H.R. 6553: TIER Act of 2025
Sponsor
Andy Barr
Republican · KY-6
Bill Progress
Latest Action · Feb 25, 2026
Placed on House floor schedule, Calendar No. 457.
Big banks get a higher bar for tougher oversight
Why it matters
The biggest trigger in H.R. 6553 jumps from $250 billion to $370 billion in assets. That means banks in the gap could face lighter federal oversight, and the bill would keep pushing those thresholds higher every five years based on GDP.
H.R. 6553 raises several banking thresholds that trigger tougher federal scrutiny. The headline changes are large: $100 billion becomes $150 billion, $250 billion becomes $370 billion, $50 billion becomes $75 billion, and $10 billion becomes $15 billion.
In practical terms, firms between the old and new thresholds could fall outside rules that apply today. A bank with $140 billion in assets, for example, would sit below a trigger that currently starts at $100 billion. A firm with $300 billion in assets would also fall below several thresholds that now start at $250 billion.
The bill does not stop with a one-time reset. Starting April 1, 2031, the Federal Reserve would recalculate these thresholds every five years using current-dollar U.S. GDP published by the Department of Commerce, then publish the new numbers in the Federal Register.
Those future adjustments are designed to move upward, not downward. If a recalculated threshold is above $100 billion, it gets rounded up to the nearest $50 billion; below that, it gets rounded up to the nearest $5 billion.
H.R. 6553 also tells the Federal Reserve, the OCC, and the FDIC to review their own bank rules by June 30, 2026, and every five years after that. If those rules use thresholds set by regulation rather than by statute, the agencies would have to revisit them and report any changes to Congress.
H.R. 6553 Bill Summary
What H.R. 6553 actually does.
Some large banks leave today's tougher oversight bucket
H.R. 6553 raises one major trigger from $100 billion to $150 billion, meaning firms below $150 billion would no longer be captured by that threshold.
The top-line threshold jumps by $120 billion
Several major oversight triggers move from $250 billion to $370 billion. That creates a wide band of firms that are above today's line but below the new one.
Smaller cutoffs rise too
The bill also raises a $10 billion threshold to $15 billion and a $50 billion threshold to $75 billion, affecting firms closer to those lower statutory lines.
Thresholds keep rising with the economy
Starting in 2031, the Federal Reserve would recalculate covered thresholds every five years using current-dollar U.S. GDP data from the Department of Commerce.
Future updates are rounded upward
Recalculated thresholds above $100 billion would be rounded up to the nearest $50 billion, and lower amounts would be rounded up to the nearest $5 billion.
Bank regulators must revisit their own rule-based thresholds
The Federal Reserve, OCC, and FDIC would have to review bank rules that use non-statutory thresholds by June 30, 2026, and every five years after that, then report any changes to Congress.
Who benefits from H.R. 6553?
Banks with $100 billion to under $150 billion in assets
These firms are closest to the first big change. Under H.R. 6553, they would sit below a threshold that currently starts at $100 billion.
Banks and financial firms with $250 billion to under $370 billion in assets
This is the bill's largest shift. Firms in that range could fall below several major oversight triggers that now begin at $250 billion.
Firms near the $10 billion and $50 billion lines
Institutions around those lower cutoffs would also get more room, because the bill raises them to $15 billion and $75 billion.
Large banks planning future growth
The bill gives these firms a predictable path: thresholds would be recalculated every five years using GDP, rather than staying fixed until Congress changes the law again.
Who is affected by H.R. 6553?
Federal banking regulators
The Federal Reserve, OCC, and FDIC would need to recalculate, review, and report on threshold changes on a recurring schedule.
Communities, depositors, and borrowers tied to very large regional banks
If H.R. 6553 becomes law, some banks that are considered large under current law would face lighter oversight until they reach the new thresholds.
Banks above $370 billion in assets
These firms would still remain above the bill's highest major triggers, so their regulatory treatment would change less than it would for firms just below that line.
Congressional oversight committees
Congress would receive periodic agency reports on any threshold changes made through regulation, not just those written directly into statute.
HR6553 Legislative Journey
House: Committee Action
Feb 25, 2026
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-532.
House: Vote: 33-19
Dec 17, 2025
Ordered to be Reported (Amended) by the Yeas and Nays: 33 - 19.
House: Committee Action
Dec 16, 2025
Committee Consideration and Mark-up Session Held
House: Committee Action
Dec 10, 2025
Referred to the House Committee on Financial Services.
About the Sponsor
Andy Barr
Republican, Kentucky's 6th congressional district · 13 years in Congress
Committees: House Select Committee on the Strategic Competition Between the United States and the Chinese Communist Party, Financial Services, Foreign Affairs
View full profile →
Cosponsors (7)
All 7 cosponsors are Republicans. Cosponsors represent 6 states: Florida, Iowa, North Carolina, and 3 more.
Committee Sponsors
Financial Services Committee
7 of 53 committee members cosponsored
23 Republicans across this committee haven't cosponsored yet. Mobilize their constituents
What laws does H.R. 6553 change?
1 changes
Sections Amended
Section 1(b) of Dodd-Frank Wall Street Reform and Consumer Protection Act
inserting after the item relating to section 176 the following: ``Sec
H.R. 6553 Quick Facts
- Committee
- Financial Services
- Chamber
- House
- Policy
- Finance and Financial Sector
- Introduced
- Dec 10, 2025
Placed on House floor schedule, Calendar No. 457.
Feb 25, 2026
Official Sources
Official bill page with text, status, sponsors, and actions for the TIER Act of 2025.
BEA publishes current-dollar U.S. GDP data from the Department of Commerce, which the bill uses to index thresholds every five years.
The bill requires the Federal Reserve to publish recalculated thresholds in the Federal Register after each adjustment cycle.
Official U.S. Code page for 12 U.S.C. 5365, one of the core Dodd-Frank enhanced prudential standards sections amended by the bill.
Official U.S. Code page for section 11 of the Federal Reserve Act, where the bill changes certain assessment-related asset thresholds.
H.R. 6553 Common Questions
What does H.R. 6553 do in plain English?
It raises the asset thresholds that trigger tougher federal bank oversight. The biggest change moves several major lines from $250 billion to $370 billion.
Which banks benefit most from H.R. 6553?
Banks between $100 billion and $150 billion, and especially those between $250 billion and $370 billion in assets, are the clearest beneficiaries because they could fall below thresholds that apply today.
Does H.R. 6553 lower oversight on the biggest banks?
For some very large banks, yes. Firms above today's thresholds but below the new ones could face lighter oversight. Banks above $370 billion would still remain above the highest major triggers.
What threshold changes are in H.R. 6553?
The bill raises $100B to $150B, $250B to $370B, $50B to $75B, and $10B to $15B across several banking laws.
Will these bank thresholds keep increasing automatically?
Yes. Starting April 1, 2031, H.R. 6553 says the Federal Reserve would recalculate covered thresholds every 5 years using current-dollar U.S. GDP.
How does the GDP indexing work in H.R. 6553?
The Federal Reserve would compare current-dollar U.S. GDP for the year before each adjustment with GDP for the year before April 1, 2026. If GDP is higher, thresholds rise.
Who has to review banking rules under H.R. 6553?
The Federal Reserve, the OCC, and the FDIC would have to review rule-based bank thresholds by June 30, 2026, and every 5 years after that, then report changes to Congress.
Based on H.R. 6553 bill text
H.R. 6553 Bill Text
“To index statutory thresholds, and for other purposes.”
Source: U.S. Government Publishing Office
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