H.R. 6553

119 HR 6553 IH: Tailoring and Indexing Enhanced Regulations Act of 2025
 U.S. House of Representatives
 2025-12-10
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 I  119th CONGRESS  1st Session  H. R. 6553  IN THE HOUSE OF REPRESENTATIVES   December 10, 2025   Mr. Barr  introduced the following bill; which was referred to the  Committee on Financial Services    A BILL
To index statutory thresholds, and for other purposes.
1.
Short title
This act may be cited as the   Tailoring and Indexing Enhanced Regulations Act of 2025   or the   TIER Act of 2025  .
2.
Threshold adjustments to account for historical increases in current-dollar united states gross domestic product
(a)
Federal Reserve Act
The second subsection (s) (relating to assessments) of section 11 of the Federal Reserve Act ( 12 U.S.C. 248(s) ) is amended—
(1)
in paragraph (2), by striking  $100,000,000,000  each place that term appears and inserting  $150,000,000,000 ; and
(2)
in paragraph (3), by striking  between $100,000,000,000 and $250,000,000,000  and inserting  between $150,000,000,000 and $370,000,000,000 .
(b)
Bank Holding Company Act of 1956
Section 4(k)(6)(B)(ii) of the Bank Holding Company Act of 1956 ( 12 U.S.C. 1843(k)(6)(B)(ii) ) is amended, by striking  $10,000,000,000  and inserting  $15,000,000,000 .
(c)
Financial Stability Act of 2010
The Financial Stability Act of 2010 ( 12 U.S.C. 5311 et seq. ) is amended—
(1)
in section 116(a) ( 12 U.S.C. 5326(a) ), by striking  $250,000,000,000  and inserting  $370,000,000,000 ;
(2)
in section 121(a) ( 12 U.S.C. 5331(a) ), by striking  $250,000,000,000  and inserting  $370,000,000,000 ;
(3)
in section 163(b) ( 12 U.S.C. 5363(b) )—
(A)
by striking  $250,000,000,000  each place that term appears and inserting  $370,000,000,000 ; and
(B)
by striking  $10,000,000,000  and inserting  $15,000,000,000 ;
(4)
in section 164 ( 12 U.S.C. 5364 ), by striking  $250,000,000,000  and inserting  $370,000,000,000 ; and
(5)
in section 165 ( 12 U.S.C. 5365 )—
(A)
in subsection (a)—
(i)
in paragraph (1), by striking  $250,000,000,000  and inserting  $370,000,000,000 ; and
(ii)
in paragraph (2)(C), by striking  $100,000,000,000  and inserting  $150,000,000,000 ;
(B)
in subsection (h)(2), by striking  $50,000,000,000  each place that term appears and inserting  $75,000,000,000 ;
(C)
in subsection (i)(2)(A), by striking  $250,000,000,000  and inserting  $370,000,000,000 ; and
(D)
in subsection (j)(1), by striking  $250,000,000,000  and inserting  $370,000,000,000 .
(d)
Economic Growth, Regulatory Relief, and Consumer Protection Act
Section 401(f) of the Economic Growth, Regulatory Relief, and Consumer Protection Act ( 12 U.S.C. 5365  note) is amended by striking  $250,000,000,000  and inserting  $370,000,000,000 .
3.
Periodic adjustments to thresholds to account for future increases in current-dollar United States gross domestic product
(a)
In general
The Financial Stability Act of 2010 ( 12 U.S.C. 5311 et seq. ) is further amended by adding at the end the following:
177.
Periodic adjustments to thresholds to account for increases in current-dollar United States gross domestic product
(a)
In general
By April 1, 2031, and the 1st day of each subsequent 5-year period, the Board of Governors shall increase the thresholds described in subsection (b) by the ratio, if greater than 1, of the annual value of current-dollar United States gross domestic product, published by the Department of Commerce, for the calendar year preceding the year in which the adjustment is calculated under this section, to the published annual value of such index for the calendar year preceding April 1, 2026.
(b)
Covered thresholds
The thresholds described in this subsection are the following:
(1)
Each bank holding company or savings and loan holding company total consolidated asset amount in the second subsection (s) (relating to assessments) of section 11 of the Federal Reserve Act.
(2)
Each bank holding company total consolidated asset amount in—
(A)
sections 116(a), 121(a), 163(b), 164, 165(a)(1), 165(h)(2), 165(j)(1) of this Act; and
(B)
section 401(f) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
(3)
Each financial company total consolidated asset amount in section 165(i)(2)(A) of this Act.
(c)
Currency of information
The values used in the calculation under subsection (a) shall be, as of the date of the calculation, the values most recently published by the Department of Commerce.
(d)
Rounding
(1)
If any amount equal to or greater than $100,000,000,000 determined under subsection (a) for any period is not a multiple of $50,000,000,000, the amount shall be rounded up to the nearest $50,000,000,000.
(2)
If any amount less than $100,000,000,000 determined under subsection (a) for any period is not a multiple of $5,000,000,000, the amount shall be rounded up to the nearest $5,000,000,000.
(e)
Publication
Not later than April 5 of any calendar year in which an adjustment is required to be calculated under subsection (a), the Board of Governors shall publish in the Federal Register the amounts as so calculated.
(f)
Implementation period
Any increase in amounts determined under subsection (a) shall take effect on January 1 of the year immediately succeeding the calendar year in which the increase is required to be calculated under subsection (a).
178.
Adjustments to thresholds established by rule to account for increases in current-dollar United States gross domestic product
(a)
Agency review
Not later than June 30, 2026, and the 1st day of each subsequent 5-year period, the Board of Governors, the Comptroller of the Currency, and the Corporation shall, to the extent applicable, review—
(1)
any regulation—
(A)
implementing section 165 of this Act; or
(B)
making specific cross-reference to any regulation of the Board of Governors implementing section 165 of this Act; and
(2)
any asset threshold or other quantitative threshold in such regulations implementing section 165 of this Act, or in such regulations making specific cross-reference to any regulation of the Board of Governors implementing section 165 of this Act, the amount of which is not prescribed by statute.
(b)
Modifications required
The Board of Governors, the Comptroller of the Currency, and the Corporation shall modify any such thresholds identified by each review conducted under subsection (a) by the ratio, if greater than 1, of the annual value of current-dollar United States gross domestic product, published by the Department of Commerce, for the calendar year preceding the year in which the modification is calculated under this section, to the published annual value of such index for the calendar year preceding the effective date of such threshold, as each respective agency shall determine as appropriate for such regulations. In making such determination, the Board of Governors, the Comptroller of the Currency, and the Corporation shall—
(1)
use the values for current-dollar United States gross domestic product most recently published by the Department of Commerce as of the date of commencement of the review;
(2)
seek to establish, to the extent feasible, uniform thresholds for use by each such agency, taking into account the entities regulated by each such agency and the purposes for which such threshold was established; and
(3)
seek to adjust such thresholds, to the extent feasible, with rounding consistent with section 177(d) of this Act.
(c)
Report
Upon conclusion of each review required under subsection (a), each of the Board of Governors, the Comptroller of the Currency, and the Corporation shall transmit a report to Congress containing a description of any modification of any regulation such agency made pursuant to subsection (b).
 .
(b)
Clerical amendment
The table of contents in section 1(b) of the Dodd-Frank Wall Street Reform and Consumer Protection Act is amended by inserting after the item relating to section 176 the following:
Sec. 177 Periodic adjustments to thresholds to account for increases in current-dollar United States gross domestic product.
Sec. 178. Adjustments to thresholds established by rule to account for increases in current-dollar United States gross domestic product.
  .