HR 3380

Summary

Taking Account of Institutions with Low Operation Risk Act of 2025 or the TAILOR Act of 2025 This bill addresses the supervision of financial institutions. Federal financial regulatory agencies must (1) tailor any regulatory actions so as to limit burdens on the institutions involved, with consideration of the risk profiles and business models of those institutions; and (2) report to Congress on specific actions taken to do so, as well as on other related issues. The bill's tailoring requirement applies to future regulatory actions and to regulations adopted within the last 15 years. The bill also reduces certain reporting requirements for community banks eligible for a simplified capital leverage ratio. Finally, federal banking agencies must report on the modernization of bank supervision, including examiner workforce and training and statutory changes necessary to achieve more effective supervision.

Bill status

Status

Reported

Sponsor

Rep. Barry Loudermilk [R-GA-11]

Cosponsors

1

Policy area

Finance and Financial Sector

Introduced

2025-05-14

Latest action

2025-06-04: Placed on the Union Calendar, Calendar No. 104.

Committee referrals

• Financial Services Committee: House · Reported By · 2025-06-04
• Financial Services Committee: House · Markup By · 2025-05-21
• Financial Services Committee: House · Referred To · 2025-05-14

Recent actions

• 2025-06-04: Placed on the Union Calendar, Calendar No. 104.
• 2025-06-04: Reported (Amended) by the Committee on Financial Services. H. Rept. 119-135.
• 2025-06-04: Reported (Amended) by the Committee on Financial Services. H. Rept. 119-135.
• 2025-05-21: Ordered to be Reported (Amended) by the Yeas and Nays: 29 - 23.
• 2025-05-21: Committee Consideration and Mark-up Session Held