Community Bank Regulatory Tailoring Act
Latest action. Placed on the Union Calendar, Calendar No. 480.
Community Bank Regulatory Tailoring Act
This bill increases various statutory dollar amount thresholds applicable to financial regulations and requires periodic adjustments to such amounts in the future. By raising these thresholds, the bill expands the access of financial institutions to less stringent requirements.
The adjustments apply to several asset thresholds used to regulate insured depository institutions, bank holding companies, credit unions, and other financial entities.
Thresholds that are increased under this bill include those applicable to
the Volcker Rule, which prohibits certain larger banking entities from engaging in proprietary trading or from having an interest in hedge funds or a private equity fund;
limited routine examinations of smaller insured depository institutions to assess an institution’s record of meeting the credit needs of its community, including low- and moderate-income neighborhoods;
risk assessments charged to larger bank holding companies by the Federal Deposit Insurance Corporation in accordance with the orderly liquidation authority under the Dodd-Frank Wall Street Reform and Consumer Protection Act; and
home mortgage disclosures required by certain larger financial institutions.
Every five years, the Federal Reserve Board must establish the ratio by which these amounts must be raised. This ratio shall reflect increases in the U.S. gross domestic product.
Written by analysts at the Congressional Research Service and published on Congress.gov, not by Civibrief. Summarized at the "Reported to House" stage on March 19, 2026. It describes the bill, it is not the legal text.
Where is it in the process, and what happens next?
4 steps remain before this bill could become law.
The record's latest action, on March 19, 2026: Placed on the Union Calendar, Calendar No. 480.
- Clearing the committees it was referred to, and being scheduled for a floor vote
- Passage by the House
- Passage by the Senate
- The President's signature. If the President vetoes it, two-thirds of both chambers must vote to override.
How likely is it to become law?
Civibrief does not forecast outcomes and this page has no opinion about this one. What the record supports is a base rate, which is a fact about the whole pile, not a prediction about this measure.
In the 118th Congress (2023-24), 274 of the 16,565 bills and joint resolutions introduced became law, about 1.7 percent. That count covers every measure at every stage, including the many that never left committee.
This one is not there yet: 4 steps are still outstanding, listed above.
Has anyone actually voted on it?
No. No roll call in this Congress cites this measure. That is the ordinary outcome: most measures never reach a recorded floor vote, and a committee ends most of them simply by not acting.
A vote is not the only thing that happens to a measure. Hearings, markups, and referrals are all recorded actions, and none of them is a vote of the full chamber.
Who is behind it?
Andy Barr (R-KY) introduced it on January 14, 2026, and 2 members have since signed on as cosponsors.
They come from both major parties: 1 Democrat, 1 Republican.
Cosponsoring is a formal signature on the text. It is not a commitment to vote for the measure, it does not bind anyone's party, and a long list of cosponsors is a measure of attention rather than of prospects.
How long has it been in play?
It was introduced on January 14, 2026, 286 days ago. The most recent recorded action was 222 days ago, on March 19, 2026.
Measures do not carry over. Anything the 119th Congress has not finished by January 3, 2027 dies when the term ends, and has to be introduced again from the start in the next Congress.
Every answer above is assembled from this measure's own record on Congress.gov and from published counts of what Congress has passed before. Civibrief does not predict outcomes and takes no position on any measure.
Vote history
- HouseIn committee, no floor vote yet
- SenateAwaits House passage
- PresidentAwaits both chambers