119th Congress · introduced in the House · Dec 10, 2025
TIER Act of 2025
Official title from Congress.gov
Latest action (Feb 25, 2026): Placed on the Union Calendar, Calendar No. 457.
View on Congress.govPolicy area: Finance and Financial Sector
Congressional Research Service summary, version: Introduced in House (Dec 10, 2025)
Tailoring and Indexing Enhanced Regulations Act of 2025 or the TIER Act of 2025
This bill increases the dollar asset thresholds for various fees, reporting requirements, and regulatory supervision applicable to certain financial companies and banks.
For example, the bill increases the asset threshold above which
• bank holding companies and savings and loan companies must pay certain Federal Reserve Board assessments;
• financial holding companies need board approval to acquire a company;
• bank holding companies must report on the company’s financial condition to the Financial Stability Oversight Council; and
Show the full summary (2 more paragraphs)Includes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
No recorded roll calls on this bill in coverage.
Placed on the Union Calendar, Calendar No. 457.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-532.
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-532.
Ordered to be Reported (Amended) by the Yeas and Nays: 33 - 19.
Committee Consideration and Mark-up Session Held
Committee Consideration and Mark-up Session Held
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Actions from Congress.gov, newest first.
Bank accounts, deposits, capital · Banking and financial institutions regulation · Currency · Economic performance and conditions · Financial crises and stabilization · Performance measurement
LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 23, 2026.
20 citations.
AMERICAN EXPRESS COMPANY · lobbying firm or registrant: AMERICAN EXPRESS COMPANY
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 21, 2026 · issue area: Banking
$460,000
Spent on own lobbying
…onsumer financial data H.R. 8800, and S.4784 the National Defense Authorization Act for Fiscal Year 2027, provisions related to corporate governance decisions. H.R. 6553, the Tailoring and Indexing Enhanced Regulations Act, provisions related to asset thresholds for US banks S. 5452, the Tailoring and Indexing Enhanced Regulati…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HUNTINGTON BANCSHARES INCORPORATED · lobbying firm or registrant: HUNTINGTON BANCSHARES INCORPORATED
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$250,000
Spent on own lobbying
…. 3234, Keeping Deposits Local Act H.R. 5913/S. 2464, Community Investment and Prosperity Act H.R. 6644/Public Law No:119-101, 21st Century Road to Housing Act H.R. 6553/S.5452, Tailoring and Indexing Enhanced Regulations (TIER) Act H.R. 7548/S. 3774, Safeguarding Consumers from Advertising Misconduct Act S. 381, 10 Percent Cre…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$3,100,000
Spent on own lobbying
…Act H.R. 5291, the Merchant Banking Modernization Act H.R. 5262, the Bank Competition Modernization Act Legislation to support Minority Depository Institutions H.R. 6553, the Tailoring and Indexing Enhanced Regulations (TIER) Act H.R. 6554, the Community Bank Representation Act H.R. 6536, Rural Depositories Revitalization Study…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CHAMBER OF COMMERCE OF THE U.S.A. · lobbying firm or registrant: CHAMBER OF COMMERCE OF THE U.S.A.
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$16,480,000
Spent on own lobbying
…es for Supervisory Stress Testing (TRUST) Act of 2025 H.R. 5270, Stress Testing Accountability and Transparency Act H.R. 5775, FCRA Liability Harmonization Act H.R. 6553, Tailoring and Indexing Enhanced Regulations (TIER) Act of 2025 H.R. 6955, Main Street Capital Access Act H.R. 7056, Community Bank Regulatory Tailoring Act H.…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
WESTERN ALLIANCE BANCORPORATION · lobbying firm or registrant: WESTERN ALLIANCE BANCORPORATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Banking
$190,000
Spent on own lobbying
…Tax Credit issues, including H.R. 2725/S. 1515 and H.R. 9012/S. 5366; issues related to tailoring prudential regulations for regional banks including TIER Act, H.R. 6553, and S. 5452; issues related to deposit insurance reform including S. 2999, HR 3234, S. 2757, HR 8087, HR 8075, and S 4198; cannabis banking legislation; legis…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
CHAMBER OF COMMERCE OF THE U.S.A. · lobbying firm or registrant: CHAMBER OF COMMERCE OF THE U.S.A.
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$16,950,000
Spent on own lobbying
…of 2025 H.R. 4478, Tailored Regulatory Updates for Supervisory Stress Testing (TRUST) Act of 2025 H.R. 5270, Stress Testing Accountability and Transparency Act H.R. 6553, Tailoring and Indexing Enhanced Regulations (TIER) Act of 2025 H.R. 6955, Main Street Capital Access Act H.R. 7056, Community Bank Regulatory Tailoring Act H.…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Banking
$3,510,000
Spent on own lobbying
…Act H.R. 5291, the Merchant Banking Modernization Act H.R. 5262, the Bank Competition Modernization Act Legislation to support Minority Depository Institutions H.R. 6553, the Tailoring and Indexing Enhanced Regulations (TIER) Act H.R. 6554, the Community Bank Representation Act H.R. 6536, Rural Depositories Revitalization Study…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HUNTINGTON BANCSHARES INCORPORATED · lobbying firm or registrant: HUNTINGTON BANCSHARES INCORPORATED
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 19, 2026 · issue area: Banking
$170,000
Spent on own lobbying
…Market CLARITY Act H.R. 3234, Keeping Deposits Local Act H.R. 5913/S. 2464, Community Investment and Prosperity Act H.R. 6644, 21st Century Road to Housing Act H.R. 6553, Tailoring and Indexing Enhanced Regulations (TIER) Act H.R. 7548/S. 3774, Safeguarding Consumers from Advertising Misconduct Act S. 381, 10 Percent Credit Car…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
WESTERN ALLIANCE BANCORPORATION · lobbying firm or registrant: WESTERN ALLIANCE BANCORPORATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 17, 2026 · issue area: Banking
$150,000
Spent on own lobbying
…ow Income Housing Tax Credit issues, including H.R. 2725/S. 1515 and H.R. 9012; issues related to tailoring prudential regulations for regional banks including H.R. 6553; issues related to deposit insurance reform including S. 2999, HR 3234, S. 2757, HR 8087, HR 8075, and S 4198; cannabis banking legislation; legislative framew…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HUNTINGTON BANCSHARES INCORPORATED · lobbying firm or registrant: HUNTINGTON BANCSHARES INCORPORATED
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 21, 2026 · issue area: Banking
$150,000
Spent on own lobbying
…y Construction and Veterans Affairs, and Extensions Act, 2026, impact of shutdown on business and consumers H.R.3174, Made in America Manufacturing Finance Act H.R. 6553, the Tailoring and Indexing Enhanced Regulations (TIER) Act H.R. 6644, the Housing for the 21st Century Ac H.R. 6546, the Merger Process Review Act H.R. 5913,…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Banking
$3,140,000
Spent on own lobbying
…Act H.R. 5291, the Merchant Banking Modernization Act H.R. 5262, the Bank Competition Modernization Act Legislation to support Minority Depository Institutions H.R. 6553, the Tailoring and Indexing Enhanced Regulations (TIER) Act H.R. 6554, the Community Bank Representation Act H.R. 6536, Rural Depositories Revitalization Study…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
WESTERN ALLIANCE BANCORPORATION · lobbying firm or registrant: WESTERN ALLIANCE BANCORPORATION
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Banking
$160,000
Spent on own lobbying
…issues, including H.R. 2725/S. 1515, Affordable Housing Credit Improvement Act; issues related to tailoring prudential regulations for regional banks including H.R. 6553; issues related to deposit insurance reform including S. 2999, HR 3234, S. 2757, HR 8087, HR 8075, and S 4198; cannabis banking legislation; legislative framew…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
KEYCORP · lobbying firm or registrant: KEYCORP
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 16, 2026 · issue area: Banking
$310,000
Spent on own lobbying
…ional financial institutions Implementation of P.L. 119-27, the GENIUS Act Discussions around market structure for digital assets HR 3074, The Common Cents Act HR 6553, The TIER Act General discussions related to deposit insurance Credit Card Interchange General discussions related to prevention of consumer fraud
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HSBC TECHNOLOGY AND SERVICES USA INC. · lobbying firm or registrant: HSBC TECHNOLOGY AND SERVICES USA INC.
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 13, 2026 · issue area: Banking
$310,000
Spent on own lobbying
…, liquidity, and stress testing. Bank regulatory issues, including US implementation of Basel 3 reforms Financial regulatory reform issues Capital requirements H.R. 6553, the Tailoring and Indexing Enhanced Regulations (TIER) Act of 2025
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICANS FOR FINANCIAL REFORM · lobbying firm or registrant: AMERICANS FOR FINANCIAL REFORM
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Feb 3, 2026 · issue area: Banking
$150,000
Spent on own lobbying
…(REVIEW) Act H.R. 6547, the Least Cost Exception Act H.R. 6550, the American Financial Institution Regulatory Sovereignty and Transparency (American FIRST) Act H.R. 6553, the Tailoring and Indexing Enhanced Regulations (TIER) Act H.R. 6554, the Community Bank Representation Act H.R. 6556, the Failing Bank Acquisitions Fairness…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HUNTINGTON BANCSHARES INCORPORATED · lobbying firm or registrant: HUNTINGTON BANCSHARES INCORPORATED
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 21, 2026 · issue area: Banking
$150,000
Spent on own lobbying
…y Construction and Veterans Affairs, and Extensions Act, 2026, impact of shutdown on business and consumers H.R.3174, Made in America Manufacturing Finance Act H.R. 6553, the Tailoring and Indexing Enhanced Regulations (TIER) Act H.R. 6644, the Housing for the 21st Century Ac H.R. 6546, the Merger Process Review Act H.R. 5913,…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
HSBC TECHNOLOGY AND SERVICES USA INC. · lobbying firm or registrant: HSBC TECHNOLOGY AND SERVICES USA INC.
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 20, 2026 · issue area: Banking
$270,000
Spent on own lobbying
…ress testing. Bank regulatory issues, including US implementation of Basel 3 reforms Financial regulatory reform issues Capital requirements Federal Preemption H.R. 6553, the Tailoring and Indexing Enhanced Regulations (TIER) Act of 2025
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN BANKERS ASSOCIATION · lobbying firm or registrant: AMERICAN BANKERS ASSOCIATION
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 20, 2026 · issue area: Banking
$1,700,000
Spent on own lobbying
…Act H.R. 5291, the Merchant Banking Modernization Act H.R. 5262, the Bank Competition Modernization Act Legislation to support Minority Depository Institutions H.R. 6553, the Tailoring and Indexing Enhanced Regulations (TIER) Act H.R. 6554, the Community Bank Representation Act H.R. 6536, Rural Depositories Revitalization Study…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
WESTERN ALLIANCE BANCORPORATION · lobbying firm or registrant: WESTERN ALLIANCE BANCORPORATION
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 16, 2026 · issue area: Banking
$270,000
Spent on own lobbying
…issues, including H.R. 2725/S. 1515, Affordable Housing Credit Improvement Act; issues related to tailoring prudential regulations for regional banks including H.R. 6553; issues related to deposit insurance reform including S. 2999; cannabis banking legislation; legislative framework for digital assets regulation, including H.R…
Congress inferred from the report year; bill number matches Congress.gov records and the bill predates the report; no title was cited with it. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
KEYCORP · lobbying firm or registrant: KEYCORP
2025 Q4 report (Oct 1, 2025 – Dec 31, 2025) · posted Jan 13, 2026 · issue area: Banking
$300,000
Spent on own lobbying
…ional financial institutions Implementation of P.L. 119-27, the GENIUS Act Discussions around market structure for digital assets HR 3074, The Common Cents Act HR 6553, The TIER Act General discussions related to deposit insurance CDFI Fund Credit Card Interchange
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing