Small Bank Holding Company Relief Act

The Small Bank Holding Company Relief Act would raise the asset size limit that determines whether a bank holding company (BHC) or a savings and loan holding company (SLHC) qualifies for the Federal Reserve’s simplified “small bank” regulatory framework. Specifically, within 180 days of enactment, the Fed must revise Appendix C to Part 225 of title 12 of the Code of Federal Regulations to set the consolidated asset threshold at $25 billion for any BHC or SLHC. This expands the number of firms that can be regulated under the lighter, smaller-bank policy framework, potentially reducing regulatory burden for those institutions while leaving other safety and supervision standards in place outside of the simplified regime.