(ii) by striking ‘‘$10,000,000’’ and in-
serting ‘‘$34,000,000’’; 
(C) in subsection (b)(1)(A), by striking 
‘‘$50,000,000’’ each place that term appears 
and inserting ‘‘$170,000,000’’; and 
(D) in subsection (c)(1)(A)(iii), by striking 
‘‘$50,000,000’’ each place that term appears 
and inserting ‘‘$170,000,000’’; and 
(2) in section 216 (12 U.S.C. 1790d)— 
(A) in subsection (f)(2), by striking 
‘‘$10,000,000’’ and inserting ‘‘$34,000,000’’; 
(B) in subsection (i)(4)(B), by striking 
‘‘$5,000,000’’ and inserting ‘‘$17,000,000’’; 
(C) in subsection (j)(2)(A), by striking 
‘‘$25,000,000’’ and inserting ‘‘$51,000,000’’; 
and 
(D) in subsection (o)(4), by striking 
‘‘$10,000,000’’ and inserting ‘‘$34,000,000’’. 
(f) FEDERAL DEPOSIT INSURANCE ACT.—The Fed-
eral Deposit Insurance Act (12 U.S.C. 1811 et seq.) is 
amended— 
(1) 
in 
section 
7(a)(12) 
(12 
U.S.C. 
1817(a)(12)), by striking ‘‘$5,000,000,000’’ and in-
serting ‘‘$8,000,000,000’’; 
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(2) in section 11(p)(1)(A)(i) (12 U.S.C. 
1821(p)(1)(A)(i)), by striking ‘‘$1,000,000’’ and in-
serting ‘‘$5,000,000’’; 
(3) in section 36 (12 U.S.C. 1831m)— 
(A) 
in 
subsection 
(i), 
by 
striking 
‘‘$5,000,000,000’’ each place that term appears 
and inserting ‘‘$21,000,000,000’’; and 
(B) 
in 
subsection 
(j), 
by 
striking 
‘‘$150,000,000’’ each place that term appears 
and inserting ‘‘$800,000,000’’; and 
(4) in section 38 (12 U.S.C. 1831o)— 
(A) 
in 
subsection 
(b), 
by 
striking 
‘‘$300,000,000’’ 
and 
inserting 
‘‘$2,000,000,000’’; and 
(B) in subsection (k)— 
(i) by striking ‘‘$50,000,000’’ and in-
serting ‘‘$110,000,000’’; and 
(ii) by striking ‘‘$75,000,000’’ and in-
serting ‘‘$150,000,000’’. 
(g) FEDERAL HOME LOAN BANK ACT.—Section 
2(10) of the Federal Home Loan Bank Act (12 U.S.C. 
1422(10)) is amended by striking ‘‘$1,000,000,000’’ each 
place that term appears and inserting ‘‘$3,000,000,000’’. 
(h) FEDERAL RESERVE ACT.—The Federal Reserve 
Act (12 U.S.C. 221 et seq.) is amended— 
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(1) in section 7(a)(1) (12 U.S.C. 289) by strik-
ing ‘‘$10,000,000,000’’ each place that term appears 
and inserting ‘‘$17,000,000,000’’; and 
(2) 
in 
section 
22(h)(5)(C) 
(12 
U.S.C. 
375b(h)(5)(C)) by striking ‘‘$100,000,000’’ and in-
serting ‘‘$500,000,000’’. 
(i) HOME MORTGAGE DISCLOSURE ACT OF 1975.— 
The Home Mortgage Disclosure Act of 1975 (12 U.S.C. 
2801 et seq.) is amended— 
(1) in the second paragraph (3) of section 
304(i) (12 U.S.C. 2803(i)(3); relating to ‘‘Exemp-
tion from certain disclosure requirements’’), by 
striking 
‘‘$30,000,000’’ 
and 
inserting 
‘‘$160,000,000’’; and 
(2) in section 309(a) (12 U.S.C. 2808(a)), by 
striking 
‘‘$10,000,000’’ 
and 
inserting 
‘‘$180,000,000’’. 
(j) HOME OWNERS’ LOAN ACT.—Section 5(u) of the 
Home Owners’ Loan Act (12 U.S.C. 1464(u)) is amend-
ed— 
(1) 
in 
paragraph 
(2)(A)(i), 
by 
striking 
‘‘$500,000’’ and inserting ‘‘$3,000,000’’; and 
(2) 
in 
paragraph 
(2)(A)(ii), 
by 
striking 
‘‘$30,000,000’’ and inserting ‘‘$160,000,000’’. 
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(k) INTERNATIONAL LENDING SUPERVISION ACT OF 
1983.—Section 909(a)(1) of the International Lending 
Supervision Act of 1983 (12 U.S.C. 3908) is amended by 
striking ‘‘$20,000,000’’ and inserting ‘‘$160,000,000’’. 
(l) REAL ESTATE SETTLEMENT PROCEDURES ACT 
OF 1974.—Section 3(1)(B)(iv) of the Real Estate Settle-
ment Procedures Act of 1974 (12 U.S.C. 2602(1)(B)(iv)) 
is amended by striking ‘‘$1,000,000’’ and inserting 
‘‘$19,000,000’’. 
(m) REVISED STATUTES OF THE UNITED STATES.— 
Section 5136A(a)(2)(D)(ii) of the Revised Statutes of the 
United States (12 U.S.C. 24a(a)(2)(D)(ii)) is amended by 
striking 
‘‘$50,000,000,000’’ 
and 
inserting 
‘‘$175,000,000,000’’. 
(n) 
TRUTH
IN
LENDING
ACT.—Section 
129C(b)(2)(F)(i) of the Truth in Lending Act (15 U.S.C. 
1639c(b)(2)(F)(i)) 
is 
amended 
by 
striking 
‘‘$10,000,000,000’’ and inserting ‘‘$15,000,000,000’’. 
SEC. 3. PERIODIC ADJUSTMENTS TO THRESHOLDS TO AC-
COUNT FOR FUTURE INCREASES IN CUR-
RENT-DOLLAR UNITED STATES GROSS DO-
MESTIC PRODUCT. 
(a) IN GENERAL.—By April 1, 2031, and the 1st day 
of each subsequent 5-year period, the Board of Governors 
of the Federal Reserve System shall prescribe the amount 
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by which each dollar amount described in section 2 of this 
Act shall be increased by the ratio, if greater than 1, of 
the annual value of current-dollar United States gross do-
mestic product, published by the Department of Com-
merce, for the calendar year preceding the year in which 
the adjustment is calculated under this section, to the pub-
lished annual value of such index for the calendar year 
preceding April 1, 2026. 
(b) CURRENCY OF INFORMATION.—The values used 
in the calculation under subsection (a) shall be, as of the 
date of the calculation, the values most recently published 
by the Department of Commerce. 
(c) ROUNDING.— 
(1) If any amount equal to or greater than 
$100,000,000,000 determined under subsection (a) 
for any period is not a multiple of $50,000,000,000, 
the amount shall be rounded up to the nearest 
$50,000,000,000. 
(2) If any amount less than $100,000,000,000 
but equal to or greater than $10,000,000,000 deter-
mined under subsection (a) for any period is not a 
multiple of $5,000,000,000, the amount shall be 
rounded up to the nearest $5,000,000,000. 
(3) If any amount less than $10,000,000,000 
but equal to or greater than $1,000,000,000 deter-
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mined under subsection (a) for any period is not a 
multiple of $500,000,000, the amount shall be 
rounded up to the nearest $500,000,000. 
(4) If any amount less than $1,000,000,000 but 
equal to or greater than $100,000,000 determined 
under subsection (a) for any period is not a multiple 
of $50,000,000, the amount shall be rounded up to 
the nearest $50,000,000. 
(5) If any amount less than $100,000,000 but 
equal to or greater than $10,000,000 determined 
under subsection (a) for any period is not a multiple 
of $5,000,000, the amount shall be rounded up to 
the nearest $5,000,000. 
(6) If any amount less than $10,000,000 but 
equal to or greater than $1,000,000 determined 
under subsection (a) for any period is not a multiple 
of $500,000, the amount shall be rounded up to the 
nearest $500,000. 
(7) If any amount less than $1,000,000 but 
equal to or greater than $100,000 determined under 
subsection (a) for any period is not a multiple of 
$50,000, the amount shall be rounded up to the 
nearest $50,000. 
(8) If any amount less than $100,000 but equal 
to or greater than $10,000 determined under sub-
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(e) IMPLEMENTATION PERIOD.—The increase in the 
dollar amounts shall take effect on January 1 of the year 
immediately succeeding any calendar year in which an ad-
justment is required to be calculated under subsection (a). 
Æ 
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