TIER Act of 2025

The TIER Act of 2025 would modify how the federal government regulates large financial institutions by adjusting the asset size thresholds that trigger stricter regulatory requirements. Currently, banks and financial companies face heightened oversight when they reach certain asset levels—for example, $100 billion or $250 billion. This bill would raise those thresholds to $150 billion and $370 billion respectively, reflecting changes in the overall U.S. economy since the thresholds were originally set. The bill would also establish an automatic adjustment mechanism so that these thresholds increase periodically based on economic growth, rather than requiring Congress to pass new legislation each time. If enacted, this could reduce regulatory compliance costs for mid-sized banks while potentially affecting the intensity of oversight they face. The bill has passed committee review and is eligible for a floor vote in the House.