The Financial Institution Regulatory Tailoring Enhancement Act

The Financial Institution Regulatory Tailoring Enhancement Act (H.R. 3230)

Introduced in the House of Representatives on May 7, 2025, this bill aimed to increase asset thresholds for financial institutions subject to certain requirements.

Cross-Species Title

This Act may be cited as “Financial Institution Regulatory Tailoring Enhancement Act.”

Section 1: Short Title

This Act may be cited as the “Financial Institution Regulatory Tailoring Enhancement Act”.

Section 2: Increased Asset Thresholds

The Consumer Financial Protection Act of 2010 is amended—
- (1) in section 1025(a) (12 U.S.C. 5515(a)), by striking “$10,000,000,000” each place it occurs and inserting “$50,000,000,000”;
- (2) in section 1026(a) (12 U.S.C. 5516(a)), by striking “$10,000,000,000” each place it occurs and inserting “$50,000,000,000”.

Section 3: Qualified Mortgage Requirements

Section 129C(b)(2)(F)(i) of the Truth in Lending Act (15 U.S.C. 1639c(b)(2)(F)(i)) is amended by striking “$10,000,000,000” and inserting “$50,000,000,000”.

Section 4: Leveraging 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) is amended by striking “$10,000,000,000” and inserting “$50,000,000,000”.