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Senate bill · S. 427 (119th Congress)

TAILOR Act of 2025

U.S. Senate

Latest action Feb 5, 2025

Sponsor: Mike Rounds (U.S. Senator for South Dakota, Republican)

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From Congress.gov and official rosters. This record was last updated Jul 30, 2026. About our data

Summary

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.

Summary from the Congressional Research Service. How we handle summaries

Where it stands

Assigned to a committee for review.

  1. Introduced
  2. In committee
  3. Up for a vote
  4. Passed one chamber
  5. Passed
  6. Enacted

Committee

Senate Committee on Banking, Housing, and Urban Affairs · U.S. Senate

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Cosponsors

6

Cosponsors listed on Congress.gov, shown A to Z.

  • Republican6

Shown in neutral colors by design; Agora is non-partisan.

Related bills

As identified by Congress.gov.

Full history

  1. Feb 5, 2025

    Introduced

    Introduced in U.S. Senate

    U.S. Senate

  2. Feb 5, 2025

    Referred to committee

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

  3. Feb 5, 2025

    Referred to committee

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

  4. Feb 5, 2025

    Referred to committee

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

Read the record