The "Tailoring and Indexing Enhanced Regulations Act of 2025" proposes adjusting various financial thresholds in accordance with the United States' gross domestic product (GDP) growth. It aims to periodically revise the thresholds for bank holding companies, savings and loan holding companies, financial companies, and related regulations based on the annual GDP. The bill outlines the process for these adjustments, including rounding rules and publication requirements. The Act also mandates agency reviews every five years to modify any specific asset thresholds based on the annual GDP. The proposal emphasizes uniformity and transparency in these adjustments and mandates reporting to Congress.
Tailoring and Indexing Enhanced Regulations Act of 2025 or the TIER Act of 2025
This bill increases the dollar asset thresholds for various fees, reporting requirements, and regulatory supervision applicable to certain financial companies and banks.
For example, the bill increases the asset threshold above which
- bank holding companies and savings and loan companies must pay certain Federal Reserve Board assessments;
- financial holding companies need board approval to acquire a company;
- bank holding companies must report on the company’s financial condition to the Financial Stability Oversight Council; and
- bank holding companies may be subject to increased supervision if, among other things, they are found to pose a grave threat to U.S. financial stability.
Periodically, the Federal Reserve Board must increase statutory thresholds and thresholds established by rule to reflect increases in the gross domestic product.