{"bill":{"id":"119-hr-3380","congress":119,"type":"HR","number":3380,"title":"TAILOR Act of 2025","originChamber":"House","introducedDate":"2025-05-14","sponsors":[{"bioguideId":"L000583","fullName":"Rep. Loudermilk, Barry [R-GA-11]","party":"R","state":"GA","district":11}],"cosponsorsCount":1,"latestAction":{"actionDate":"2025-06-04","text":"Placed on the Union Calendar, Calendar No. 104."},"policyArea":"Finance and Financial Sector","subjects":["Banking and financial institutions regulation","Business records","Congressional oversight"],"actions":[{"date":"2025-06-04","text":"Placed on the Union Calendar, Calendar No. 104.","type":"Calendars","chamber":"House floor actions","hasVote":false},{"date":"2025-06-04","text":"Reported (Amended) by the Committee on Financial Services. H. Rept. 119-135.","type":"Committee","chamber":"House floor actions","hasVote":false},{"date":"2025-06-04","text":"Reported (Amended) by the Committee on Financial Services. H. Rept. 119-135.","type":"Committee","chamber":"Library of Congress","hasVote":false},{"date":"2025-05-21","text":"Ordered to be Reported (Amended) by the Yeas and Nays: 29 - 23.","type":"Committee","chamber":"House committee actions","hasVote":false},{"date":"2025-05-21","text":"Committee Consideration and Mark-up Session Held","type":"Committee","chamber":"House committee actions","hasVote":false},{"date":"2025-05-14","text":"Referred to the House Committee on Financial Services.","type":"IntroReferral","chamber":"House floor actions","hasVote":false},{"date":"2025-05-14","text":"Introduced in House","type":"IntroReferral","chamber":"Library of Congress","hasVote":false},{"date":"2025-05-14","text":"Introduced in House","type":"IntroReferral","chamber":"Library of Congress","hasVote":false}],"summary":"<p><strong>Taking Account of Institutions with Low Operation Risk Act of 2025 or the TAILOR Act of 2025</strong></p><p>This bill addresses the supervision of financial institutions.</p><p>Federal financial regulatory agencies must (1) tailor any regulatory actions so as to limit burdens on the institutions involved,&nbsp;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&nbsp;tailoring requirement applies to future regulatory actions and to regulations adopted within the last 15 years.</p><p>The bill also reduces certain reporting requirements for community banks eligible for a simplified capital leverage ratio.</p><p>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.</p>","updateDate":"2026-02-06T17:20:15Z"},"markets":[],"stateBills":[],"meta":{"sources":["congress.gov"],"latencyMs":362,"ts":"2026-04-15T14:28:57.221Z"},"nextActions":{"inspect":[],"related":[{"description":"Search related legislation","method":"GET","url":"/api/public/query-gov?q=TAILOR%20Act%20of%202025"}]}}