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Standard Summary
Comprehensive overview in 1-2 paragraphs
The TAILOR Act of 2025 requires federal financial regulators to consider risk profiles and business models when creating regulations, with special provisions for community banks.
Key Points
- 1Mandates consideration of risk profiles and business models in regulatory actions
- 2Requires disclosure in rulemaking notices of how tailoring was applied
- 3Establishes annual reporting requirements to Congress on regulatory tailoring
- 4Directs agencies to review and revise regulations from the past 7 years under new standards
- 5Creates short-form call reports for community banks eligible for leverage ratio
- 6Requires study and report on bank supervision modernization
Impact Areas
Federal financial regulatory agencies (OCC, Fed, FDIC, NCUA, CFPB)Community banks and small financial institutionsBank regulatory compliance and reporting burdenFinancial services industry regulation
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