S. 427 Congress 119 session
TAILOR Act of 2025
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.
Status
- Introduced
- Committee
- Floor vote
- Passed
- Enacted
In committee — last recorded action February 5, 2025
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Passage likelihood
3% Much lower than most bills at this stage
This is an estimate, not a guarantee. It is computed from the signals listed below and nothing else. It does not account for leadership priorities, floor scheduling, or negotiations that are not in the public record.
What the estimate is based on
- Historical base rate About 4% of introduced federal bills are enacted.
- Current stage Referred to committee.
- Cosponsors 7 cosponsors.
- Days without action No recorded action in 552 days.
State-level impact
State-level impact data is not available for this bill. The source text does not contain a per-state funding formula or scored breakdown, so no figures are shown.
Official actions
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Introduced in Senate