HR 3380
· 119th Congress
· Finance and Financial Sector
TAILOR Act of 2025
Sponsor
Latest action
Placed on the Union Calendar, Calendar No. 104.
Action timeline
Every recorded action on this bill, newest first. Stage badges color-code the legislative path.
Jun 04, 2025
committee
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-135.
Financial Services Committee
Jun 04, 2025
other
Placed on the Union Calendar, Calendar No. 104.
May 21, 2025
committee
Committee Consideration and Mark-up Session Held
Financial Services Committee
May 21, 2025
committee
Ordered to be Reported (Amended) by the Yeas and Nays: 29 - 23.
Financial Services Committee
May 14, 2025
introduced
Introduced in House
May 14, 2025
introduced
Referred to the House Committee on Financial Services.
Financial Services Committee
Text versions
Each stage of the bill — official text published by GPO. Click any format to read on congress.gov / govinfo.
CRS summaries
Plain-English summaries written by the Congressional Research Service — neutral, nonpartisan staff who summarize bills as they advance through stages. The authoritative description of what each version of the bill does.
07
Reported to House
Jun 04, 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 15 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.
via Congressional Research Service · published through congress.gov
Changelog
ⓘ
How a bill moves through Congress. Each stage produces a new official text. The diff between them shows what changed at that step.
ih / is — Introduced in House / Senate. First filed version.rfh / rfs — Referred to a committee for review.rh / rs — Reported back by the committee to the floor (often with amendments — this is where most language changes happen).pcs / pch — Placed on Calendar for floor consideration.eh / es — Engrossed. Passed by the originating chamber. Text is now what was actually voted on.rdh / rds — Received by the other chamber.eah / eas — Engrossed Amendment. The other chamber passed an amended version.ath / ats — Agreed to. Both chambers settled on the same text.enr — Enrolled. Final reconciled text, sent to the President.pl — Public Law. Signed by the President. It's now law.pp — Public Print. Official printing post-enactment.
Most bills die before eh/es. Going from pcs → enr is the full path through both chambers.
ⓘ
How a bill moves through Congress. Each stage produces a new official text. The diff between them shows what changed at that step.
ih/is— Introduced in House / Senate. First filed version.rfh/rfs— Referred to a committee for review.rh/rs— Reported back by the committee to the floor (often with amendments — this is where most language changes happen).pcs/pch— Placed on Calendar for floor consideration.eh/es— Engrossed. Passed by the originating chamber. Text is now what was actually voted on.rdh/rds— Received by the other chamber.eah/eas— Engrossed Amendment. The other chamber passed an amended version.ath/ats— Agreed to. Both chambers settled on the same text.enr— Enrolled. Final reconciled text, sent to the President.pl— Public Law. Signed by the President. It's now law.pp— Public Print. Official printing post-enactment.
Most bills die before eh/es. Going from pcs → enr is the full path through both chambers.
Line-level diff between text versions of this bill — what actually changed at each legislative stage.
+51
−12
40 unchanged
--- Introduced (House)
+++ Reported (House)
@@ -1,11 +1,14 @@
[From the U.S. Government Publishing Office]
-[H.R. 3380 Introduced in House (IH)]
+[H.R. 3380 Reported in House (RH)]
<DOC>
+Union Calendar No. 104
119th CONGRESS
1st Session
H. R. 3380
+
+[Report No. 119-135]
To require the Federal financial institutions regulatory agencies to
take risk profiles and business models of institutions into account
@@ -19,6 +22,19 @@
Mr. Loudermilk introduced the following bill; which was referred to the
Committee on Financial Services
+
+June 4, 2025
+
+Additional sponsor: Mr. Downing
+
+June 4, 2025
+
+Reported with an amendment, committed to the Committee of the Whole
+House on the State of the Union, and ordered to be printed
+[Strike out all after the enacting clause and insert the part printed
+in italic]
+[For text of introduced bill, see copy of bill as introduced on May 14,
+2025]
_______________________________________________________________________
@@ -64,17 +80,17 @@
allocation, and other burdens, on the institution or type of
institution as is appropriate for the risk profile and business
model involved.
-(c) Factors To Consider.--In carrying out the requirements of
-subsection (b), each Federal financial institutions regulatory agency
-shall consider--
+(c) Factors to Consider.--In carrying out the requirements of
+subsection (b) with respect to a regulatory action, each Federal
+financial institutions regulatory agency shall consider--
(1) the aggregate effect of all applicable regulatory
-action on the ability of institutions to flexibly serve
+actions on the ability of institutions to flexibly serve
customers of the institutions and local markets on and after
the date of enactment of this Act;
-(2) the potential effect that efforts to implement the
-regulatory action and third-party service provider actions may
-work to undercut efforts to tailor the regulatory action
-described in subsection (b)(2); and
+(2) the potential that efforts to implement the regulatory
+action and third-party service provider actions may work to
+undercut efforts to tailor the regulatory action, as described
+in subsection (b)(2); and
(3) the statutory provision authorizing the regulatory
action, the congressional intent with respect to the statutory
provision, and the underlying policy objectives of the
@@ -82,7 +98,7 @@
(d) Notice of Proposed and Final Rulemaking.--Each Federal
financial institutions regulatory agency shall disclose and document in
every notice of proposed rulemaking and in any final rulemaking for a
-regulatory action described in subsection (b).
+regulatory action how the agency has applied subsections (b) and (c).
(e) Reports to Congress.--Not later than 1 year after the date of
enactment of this Act and annually thereafter, each Federal financial
institutions regulatory agency shall submit to the Committee on
@@ -91,7 +107,7 @@
specific actions taken to tailor the regulatory actions of the Federal
financial institutions regulatory agency pursuant to the requirements
of this section.
-(f) Limited Look-Back Application.--
+(f) Limited Look-back Application.--
(1) In general.--Each Federal financial institutions
regulatory agency shall--
(A) conduct a review of all final regulations
@@ -138,4 +154,27 @@
banks.
(7) Changes in statutes necessary to achieve more effective
supervision.
-<all>
+Union Calendar No. 104
+
+119th CONGRESS
+
+1st Session
+
+H. R. 3380
+
+[Report No. 119-135]
+
+_______________________________________________________________________
+
+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.
+
+_______________________________________________________________________
+
+June 4, 2025
+
+Reported with an amendment, committed to the Committee of the Whole
+House on the State of the Union, and ordered to be printed
Lobbying activity
Organizations whose LDA filings reference this bill, ranked by filing count. Position not disclosed — LDA does not require lobbyists to report support / oppose / monitor. Bill-number references can be stale (lobbyists sometimes copy text year-over-year), so verify against the filing description.
5
filings · 2026 Q3
4
filings · 2026 Q3
4
filings · 2026 Q3
4
filings · 2026 Q3
4
filings · 2026 Q3
2
filings · 2025 Q3
1
filings · 2026 Q1
1
filings · 2025 Q2
via Senate LDA · self-reported quarterly. Filing count = filings mentioning this bill (no position required), not money spent on it. Click a client to see all bills they've filed on.
Cosponsors (1)
Members who signed on to support this bill.