TIER Act of 2025

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 6553 Introduced in House (IH)]

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119th CONGRESS
  1st Session
                                H. R. 6553

         To index statutory thresholds, and for other purposes.

_______________________________________________________________________

                    IN THE HOUSE OF REPRESENTATIVES

                           December 10, 2025

   Mr. Barr introduced the following bill; which was referred to the
                    Committee on Financial Services

_______________________________________________________________________

                                 A BILL

         To index statutory thresholds, 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 ``Tailoring and Indexing Enhanced
Regulations Act of 2025'' or the ``TIER Act of 2025''.

SEC. 2. THRESHOLD ADJUSTMENTS TO ACCOUNT FOR HISTORICAL INCREASES IN
              CURRENT-DOLLAR UNITED STATES GROSS DOMESTIC PRODUCT.

    (a) Federal Reserve Act.--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''.
    (b) Bank Holding Company Act of 1956.--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''.
    (c) Financial Stability Act of 2010.--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''.
    (d) Economic Growth, Regulatory Relief, and Consumer Protection
Act.--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''.

SEC. 3. PERIODIC ADJUSTMENTS TO THRESHOLDS TO ACCOUNT FOR FUTURE
              INCREASES IN CURRENT-DOLLAR UNITED STATES GROSS DOMESTIC
              PRODUCT.

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

``SEC. 177. PERIODIC ADJUSTMENTS TO THRESHOLDS TO ACCOUNT FOR INCREASES
              IN CURRENT-DOLLAR UNITED STATES GROSS DOMESTIC PRODUCT.

    ``(a) In General.--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.
    ``(b) Covered Thresholds.--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.
    ``(c) Currency of Information.--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.
    ``(d) Rounding.--
            ``(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.
    ``(e) Publication.--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.
    ``(f) Implementation Period.--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).

``SEC. 178. ADJUSTMENTS TO THRESHOLDS ESTABLISHED BY RULE TO ACCOUNT
              FOR INCREASES IN CURRENT-DOLLAR UNITED STATES GROSS
              DOMESTIC PRODUCT.

    ``(a) Agency Review.--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.
    ``(b) Modifications Required.--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.
    ``(c) Report.--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).''.
    (b) Clerical Amendment.--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:

``Sec. 177 Periodic adjustments to thresholds to account for increases
                            in current-dollar United States gross
                            domestic product.
``Sec. 178. Adjustments to thresholds established by rule to account
                            for increases in current-dollar United
                            States gross domestic product.''.
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