S. 427 119th Congress Senate

TAILOR Act of 2025

Official title: A bill to require the Federal financial institutions regulatory agencies to take risk profiles and business models of institutions into account when taking regulatory actions, and for other purposes.

Introduced: February 5, 2025 Introduced by: Mike Rounds Republican · South Dakota See on congress.gov

Finance and Financial Sector Banking and financial institutions regulationBusiness recordsCongressional oversight

Everywhere this bill has been 2 steps

Introduced

In committee

Reported out

Passed House

Passed Senate

To President

Became law

Feb 5, 2025

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Feb 5, 2025

Introduced in Senate

Ask about this bill AI · grounded in the bill text

Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.

AI answers can be imperfect; always confirm against the full bill text.

What's happening now February 5, 2025

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Plain-English summary Congressional Research Service

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.

Related & companion bills 1

Bill text 1 version

Introduced in Senate Formatted Text PDF Formatted XML

Source documents hosted by congress.gov.

Committees of jurisdiction 1

Banking, Housing, and Urban Affairs Committee
Senate

Lobbying activity 10

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

AMERICAN FINTECH COUNCIL
for AMERICAN FINTECH COUNCIL · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
INDEPENDENT COMMUNITY BANKERS OF AMERICA
for INDEPENDENT COMMUNITY BANKERS OF AMERICA · District of Columbia · 3rd Quarter 2026 (July 1 - Sep 30)
AMERICAN FINTECH COUNCIL
for AMERICAN FINTECH COUNCIL · District of Columbia · 2nd Quarter 2026 (Apr 1 - June 30)
INDEPENDENT COMMUNITY BANKERS OF AMERICA
for INDEPENDENT COMMUNITY BANKERS OF AMERICA · District of Columbia · 2nd Quarter 2026 (Apr 1 - June 30)
AMERICAN FINTECH COUNCIL
for AMERICAN FINTECH COUNCIL · District of Columbia · 1st Quarter 2026 (Jan 1 - Mar 31)
INDEPENDENT COMMUNITY BANKERS OF AMERICA
for INDEPENDENT COMMUNITY BANKERS OF AMERICA · District of Columbia · 1st Quarter 2026 (Jan 1 - Mar 31)

Bodies those filers lobbied

HOUSE OF REPRESENTATIVES
10 filings
SENATE
10 filings
Federal Deposit Insurance Corporation (FDIC)
9 filings
Consumer Financial Protection Bureau (CFPB)
8 filings
Treasury, Dept of
8 filings
Federal Housing Finance Agency (FHFA)
7 filings
Federal Reserve System
7 filings
Office of the Comptroller of the Currency (OCC)
7 filings

A filing lists the bills it worked on and the parts of government it contacted in separate sections, so these are the bodies those filers named anywhere in the filing, not a per-bill breakdown.

See all 10 filings →

Cosponsors 7