TIER Act of 2025
Key claim: The TIER Act of 2025 would raise and GDP-index asset thresholds that trigger Federal Reserve assessments, FSOC reporting, and enhanced supervision for bank holding companies, savings and loan companies, and financial holding companies.
Abstract
(HR6553 · 119th 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. Latest action (2026-02-25): Placed on the Union Calendar, Calendar No. 457.
Why this matters
Statutory asset thresholds determine which holding companies face the most intensive federal supervision, assessments, and FSOC reporting; raising them and indexing to GDP would narrow the population of firms subject to those regimes and prevent bracket creep as nominal balance sheets grow. As an introduced bill, the TIER Act signals continued congressional interest in recalibrating the post-Dodd-Frank supervisory perimeter, though it has not advanced.