TIER Act of 2025

Key Points

• Raises the size cutoffs for tougher bank rules. For example, the $250 billion line moves to $370 billion, $100 billion to $150 billion, $50 billion to $75 billion, and $10 billion to $15 billion.
• Means fewer mid-size banks would face the heaviest checks, like regular financial tests and detailed emergency plans. This could lower costs for those banks and might make lending a bit easier.
• Could also reduce watchdog eyes on some banks. If a fast-growing bank runs into trouble, there may be more risk to customers, workers, and local economies.
• Locks in updates every 5 years. The cutoffs will automatically rise with the overall economy, so banks do not cross lines just because of inflation.
• Tells federal banking agencies to review and adjust similar cutoffs on the same schedule and publish the new numbers.