[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 3230 Reported in House (RH)]

<DOC>





                                                 Union Calendar No. 132
119th CONGRESS
  1st Session
                                H. R. 3230

                          [Report No. 119-165]

To increase the asset thresholds at which financial institutions become 
        subject to certain requirements, and for other purposes.


_______________________________________________________________________


                    IN THE HOUSE OF REPRESENTATIVES

                              May 7, 2025

 Mr. Barr (for himself and Mr. Meuser) introduced the following bill; 
       which was referred to the Committee on Financial Services

                             June 20, 2025

                    Additional sponsor: Mr. Sessions

                             June 20, 2025

  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 May 7, 
                                 2025]


_______________________________________________________________________

                                 A BILL


 
To increase the asset thresholds at which financial institutions become 
        subject to certain requirements, 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 ``Financial Institution Regulatory 
Tailoring Enhancement Act''.

SEC. 2. INCREASED ASSET THRESHOLDS.

    (a) Bureau Supervision.--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''; and
            (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''.
    (b) Volker Rule Requirements.--Section 13(h)(1)(B)(i) of the Bank 
Holding Company Act of 1956 (12 U.S.C. 1851(h)(1)(B)(i)) is amended by 
striking ``$10,000,000,000'' and inserting ``$50,000,000,000''.
    (c) 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''.
    (d) Leverage 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''.
                                                 Union Calendar No. 132

119th CONGRESS

  1st Session

                               H. R. 3230

                          [Report No. 119-165]

_______________________________________________________________________

                                 A BILL

To increase the asset thresholds at which financial institutions become 
        subject to certain requirements, and for other purposes.

_______________________________________________________________________

                             June 20, 2025

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