CONGRESS FOR VOTERS

RepublicanBill · H.R. 3230· House(119-HR-3230)

Financial Institution Regulatory Tailoring Enhancement Act

Rep. Barr
Age: 53 years
Kentucky
Introduced
5/7/2025
Last activity
6/20/2025 — Placed on the Union Calendar, Calendar No. 132.
Sponsored by
Andy Barr
Cosponsors
Republican - 2Democrat - 0
Finance and Financial Sector
  1. Introduced
  2. On Calendar

What this bill would do

This bill, known as the "Financial Institution Regulatory Tailoring Enhancement Act," aims to change how financial institutions are regulated. It focuses on increasing the asset thresholds that trigger certain requirements. Specifically, it raises a specific dollar amount from $10,000,000,000 to $50,000,000,000 across several different laws. These changes impact bureau supervision, the Volcker Rule, qualified mortgage requirements, and leverage and risk-based capital requirements.

Yes· 3 of 9

  • Would business owners be better off under this?+2

    Reducing the regulatory burden on large-scale financial institutions can benefit business owners and financial interests.

  • Is this likely to grow the economy?+2

    De-regulation of financial institutions can potentially stimulate economic activity through easier access to capital.

  • Does this make it easier to run a small business?+2

    Easing regulations on larger institutions may indirectly improve the credit environment for smaller businesses.

The opposite· 3 of 5

  • Does this give people more protection from unfair business practices?-3

    Raising thresholds for supervision and mortgage requirements may reduce the level of oversight protecting consumers from financial risks.

  • Would households on low incomes be better off under this?-2

    Reduced oversight of mortgage and consumer protection rules may negatively impact low-income borrowers.

  • Does this give the federal government more power?-2

    Reducing federal oversight thresholds effectively lessens federal regulatory power over mid-sized institutions.