H.R. 6553

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

<DOC>

Union Calendar No. 457
119th CONGRESS
2d Session
H. R. 6553

[Report No. 119-532]

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

February 25, 2026

Additional sponsors: Mr. Meuser, Mr. Williams of Texas, Mr. Moore of 
North Carolina, Ms. Salazar, Mr. Lucas, Mr. Sessions, and Mr. Nunn of 
Iowa

February 25, 2026

Reported with an amendment, committed to the Committee of the Whole 
House on the State of the Union, and ordered to be printed
[Strike out all after the enacting clause and insert the part printed 
in italic]
[For text of introduced bill, see copy of bill as introduced on 
December 10, 2025]

_______________________________________________________________________

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.''.
Union Calendar No. 457

119th CONGRESS

2d Session

H. R. 6553

[Report No. 119-532]

_______________________________________________________________________

A BILL

To index statutory thresholds, and for other purposes.

_______________________________________________________________________

February 25, 2026

Reported with an amendment, committed to the Committee of the Whole 
House on the State of the Union, and ordered to be printed