TIER Act of 2025

This Act may be cited as the Tailoring and Indexing Enhanced Regulations Act of 2025 or the TIER Act of 2025.

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.

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.

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.

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.

The Financial Stability Act of 2010 (12 U.S.C. 5311 et seq.) is further amended by adding at the end the following:

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.

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.

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.

(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.

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.

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).

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.

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.

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).

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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:

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