TAILOR Act of 2025

Key Points

• This bill requires federal agencies to change how they write rules for banks and credit unions. Instead of a one size fits all approach, regulators must look at how much risk a specific bank takes on before applying new rules.
• The goal is to reduce the cost and paperwork for smaller community banks that have simple business models. By lowering these burdens, these banks may have more flexibility to serve local customers and provide loans to their communities.
• Regulators would have to look back at all the rules they passed over the last 15 years. They would need to update those older rules to make sure they are not too hard on low risk financial institutions.
• The bill also simplifies the reports that many small banks have to file twice a year. This change is meant to save time and money for bank staff who currently spend many hours on government paperwork.

Impact Analysis

Govbase has not yet run an impact analysis on this legislation.