H.R. 3230

119th CONGRESS 1st Session

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 · Sponsor: Mr. Barr · Committee: Committee on Financial Services

Table of contents

• H.R. 3230
  • SEC. 1. Short title
  • SEC. 2. Increased asset thresholds

SEC. 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—
    • in section 1025(a) (), by striking each place it occurs and inserting $50,000,000,000; and 12 U.S.C. 5515(a)
    • in section 1026(a) (), by striking each place it occurs and inserting $50,000,000,000. 12 U.S.C. 5516(a)
• (b) Volker rule requirements
  • Section 13(h)(1)(B)(i) of the Bank Holding Company Act of 1956 () is amended by striking striking0,000,000,000and inserting $50,000,000,000. 12 U.S.C. 1851(h)(1)(B)(i)
• (c) Qualified mortgage requirements
  • Section 129C(b)(2)(F)(i) of the Truth in Lending Act () is amended by striking striking0,000,000,000and inserting $50,000,000,000. 15 U.S.C. 1639c(b)(2)(F)(i)
• (d) Leverage and risk-based capital requirements
  • Section 201(a)(3)(A) of the Economic Growth, Regulatory Relief, and Consumer Protection Act ( note) is amended by striking striking0,000,000,000and inserting $50,000,000,000. 12 U.S.C. 5371