TIER Act of 2025

House Bill

H.R. 6553

119th Congress

TIER Act of 2025

Ordered to be Reported (Amended) by the Yeas and Nays: 33 - 19.

Introduced:Dec 17, 2025

Primary Sponsor

Andy Barr

R - KY

Cosponsors

7

Quick Stats

Policy Area

Finance and Financial Sector

Summary

The TIER Act automatically adjusts bank regulatory thresholds to keep pace with GDP growth, preventing regulatory "creep" that subjects more banks to stricter oversight over time. It immediately increases key thresholds by approximately 48% (reflecting GDP growth since original enactment) and establishes a mechanism for automatic adjustments every 5 years.

Latest Action

Ordered to be Reported (Amended) by the Yeas and Nays: 33 - 19.

AI Summary

Plain-English explanation of this bill

The TIER Act automatically adjusts bank regulatory thresholds to keep pace with GDP growth, preventing regulatory "creep" that subjects more banks to stricter oversight over time. It immediately increases key thresholds by approximately 48% (reflecting GDP growth since original enactment) and establishes a mechanism for automatic adjustments every 5 years.

Last updated: 12/26/2025

Key Points

Main provisions of the bill

Increases enhanced prudential standards threshold from $250B to $370B in assets
Raises Federal Reserve assessment threshold from $100B to $150B
Raises stress testing threshold from $100B to $150B in assets
Establishes automatic 5-year adjustment mechanism tied to GDP growth
Applies to Dodd-Frank, Bank Holding Company Act, and Federal Reserve Act thresholds
Prevents inflationary bracket creep in financial regulation

How This Impacts Americans

Potential effects on citizens and communities

This primarily benefits regional and super-regional banks with assets between $100B-$370B, which would face less stringent regulatory requirements. Banks like Fifth Third, Regions, and Citizens could see reduced compliance costs. The Federal Reserve and other regulators would adjust their supervisory frameworks. Large banks above the thresholds remain under enhanced supervision. Critics may argue this reduces financial stability safeguards, while supporters argue it right-sizes regulation to economic growth.

Policy Areas

Primary Policy Area

Finance and Financial Sector

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

6553, 119th Congress (2025). "TIER Act of 2025". Source: Voter's Right Platform. https://votersright.org/bills/119-hr-6553