S. 427 explained · 119th Congress · Pending in Congress
TAILOR Act of 2025
Cosponsors: 7 (0 D, 7 R) · per Congress.gov, 2026-10-12
Introduced: 2025-02-05
Latest action (2025-02-05): Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
What S. 427 does, in plain terms
Taking Account of Institutions with Low Operation Risk Act of 2025 or the TAILOR Act of 2025 This bill addresses the supervision of financial institutions. Federal financial regulatory agencies must (1) tailor any regulatory actions so as to limit burdens on the institutions involved, with consideration of the risk profiles and business models of those institutions; and (2) report to Congress on specific actions taken to do so, as well as on other related issues. The bill's tailoring requirement applies to future regulatory actions and to regulations adopted within the last seven years. The bill also reduces certain reporting requirements for community banks eligible for a simplified capital leverage ratio. Finally, federal banking agencies must report on the modernization of bank supervision, including examiner workforce and training and statutory changes necessary to achieve more effective supervision.
Official summary by the Congressional Research Service, via Congress.gov.
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