The asset size limits that decide which bank rules apply are mostly fixed dollar amounts that change only when regulators update them through new rules.
This bill updates financial regulations by raising the asset thresholds for banks and ensuring they adjust with the economy over time. It helps keep financial rules relevant as the economy grows.
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The case against
Tailoring and Indexing Enhanced Regulations Act of 2025 or the TIER Act of 2025This 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 whichbank 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; andbank 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.
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