S. 427: TAILOR Act of 2025
A Senate bill (S.) in the 119th U.S. Congress.
Overview
| Congress | 119th U.S. Congress (2025–2026) |
|---|---|
| Type | Senate bill (S.) |
| Originating chamber | Senate |
| Introduced | 2025-02-05 |
| Sponsor | Sen. Rounds, Mike [R-SD] |
| Policy area | Finance and Financial Sector |
| Cosponsors | 6 |
| Latest action | 2025-02-05 — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. |
| Last updated | 2025-12-05 |
Summary
Official summary (Introduced in Senate, 2025-02-05):
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.
Cosponsors (6)
| Name | Party / state |
|---|---|
| Thom Tillis | R NC (original cosponsor) 2025-02-05 |
| Bill Hagerty | R TN (original cosponsor) 2025-02-05 |
| Cynthia M. Lummis | R WY (original cosponsor) 2025-02-05 |
| Kevin Cramer | R ND (original cosponsor) 2025-02-05 |
| Steve Daines | R MT (original cosponsor) 2025-02-05 |
| Pete Ricketts | R NE 2025-05-22 |
Full text & official record
The official bill text, section-by-section summary, amendments, committee reports, and the complete legislative timeline for S. 427 are published by Congress on congress.gov.
Frequently asked questions
What is S. 427?
S. 427 is a Senate bill (S.) introduced in the 119th U.S. Congress, originating in the Senate. Official title: TAILOR Act of 2025.
Where can I read the full bill text?
The full text, cosponsors, amendments, and legislative status for S. 427 are available on congress.gov.
Bill data: congress.gov API (official congressional records).