Financial Institution Regulatory Tailoring Enhancement Act

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 3230 Introduced in House (IH)]

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119th CONGRESS
  1st Session
                                H. R. 3230

To increase the asset thresholds at which financial institutions become 
        subject to certain requirements, and for other purposes.


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                    IN THE HOUSE OF REPRESENTATIVES

                              May 7, 2025

 Mr. Barr (for himself and Mr. Meuser) introduced the following bill; 
       which was referred to the Committee on Financial Services

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                                 A BILL


 
To increase the asset thresholds at which financial institutions become 
        subject to certain requirements, and for other purposes.

    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Financial Institution Regulatory 
Tailoring Enhancement Act''.

SEC. 2. INCREASED ASSET THRESHOLDS.

    (a) Bureau Supervision.--Section 1025(a) of the Consumer Financial 
Protection Act of 2010 (12 U.S.C. 5515) is amended by striking 
``$10,000,000,000'' each place it occurs and inserting 
``$50,000,000,000''.
    (b) Volker Rule Requirements.--Section 13(h)(1)(B)(i) of the Bank 
Holding Company Act of 1956 (12 U.S.C. 1851(h)(1)(B)(i)) is amended by 
striking ``$10,000,000,000'' and inserting ``$50,000,000,000''.
    (c) Qualified Mortgage Requirements.--Section 129C(b)(F)(i) of the 
Truth in Lending Act (15 U.S.C. 1639c(b)(F)(i)) is amended by striking 
``$10,000,000,000'' and inserting ``$50,000,000,000''.
    (d) Leverage and Risk-Based Capital Requirements.--Section 
201(a)(3)(A) of the Economic Growth, Regulatory Relief, and Consumer 
Protection Act (12 U.S.C. 5371 note (a)(3)(A)) is amended by striking 
``$10,000,000,000'' and inserting ``$50,000,000,000''.
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