not a multiple of $5,000,000,000, the amount shall 
be rounded up to the nearest $5,000,000,000. 
‘‘(e) PUBLICATION.—Not later than April 5 of any 
calendar year in which an adjustment is required to be 
calculated under subsection (a), the Board of Governors 
shall publish in the Federal Register the amounts as so 
calculated. 
‘‘(f) IMPLEMENTATION PERIOD.—Any increase in 
amounts determined under subsection (a) shall take effect 
on January 1 of the year immediately succeeding the cal-
endar year in which the increase is required to be cal-
culated under subsection (a). 
‘‘SEC. 178. ADJUSTMENTS TO THRESHOLDS ESTABLISHED 
BY RULE TO ACCOUNT FOR INCREASES IN 
CURRENT-DOLLAR UNITED STATES GROSS 
DOMESTIC PRODUCT. 
‘‘(a) AGENCY REVIEW.—Not later than June 30, 
2026, and the 1st day of each subsequent 5-year period, 
the Board of Governors, the Comptroller of the Currency, 
and the Corporation shall, to the extent applicable, re-
view— 
‘‘(1) any regulation— 
‘‘(A) implementing section 165 of this Act; 
or 
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‘‘(B) making specific cross-reference to any 
regulation of the Board of Governors imple-
menting section 165 of this Act; and 
‘‘(2) any asset threshold or other quantitative 
threshold in such regulations implementing section 
165 of this Act, or in such regulations making spe-
cific cross-reference to any regulation of the Board 
of Governors implementing section 165 of this Act, 
the amount of which is not prescribed by statute. 
‘‘(b) MODIFICATIONS REQUIRED.—The Board of 
Governors, the Comptroller of the Currency, and the Cor-
poration shall modify any such thresholds identified by 
each review conducted under subsection (a) by the ratio, 
if greater than 1, of the annual value of current-dollar 
United States gross domestic product, published by the 
Department of Commerce, for the calendar year preceding 
the year in which the modification is calculated under this 
section, to the published annual value of such index for 
the calendar year preceding the effective date of such 
threshold, as each respective agency shall determine as ap-
propriate for such regulations. In making such determina-
tion, the Board of Governors, the Comptroller of the Cur-
rency, and the Corporation shall— 
‘‘(1) use the values for current-dollar United 
States gross domestic product most recently pub-
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lished by the Department of Commerce as of the 
date of commencement of the review; 
‘‘(2) seek to establish, to the extent feasible, 
uniform thresholds for use by each such agency, tak-
ing into account the entities regulated by each such 
agency and the purposes for which such threshold 
was established; and 
‘‘(3) seek to adjust such thresholds, to the ex-
tent feasible, with rounding consistent with section 
177(d) of this Act. 
‘‘(c) REPORT.—Upon conclusion of each review re-
quired under subsection (a), each of the Board of Gov-
ernors, the Comptroller of the Currency, and the Corpora-
tion shall transmit a report to Congress containing a de-
scription of any modification of any regulation such agen-
cy made pursuant to subsection (b).’’. 
(b) CLERICAL AMENDMENT.—The table of contents 
in section 1(b) of the Dodd-Frank Wall Street Reform and 
Consumer Protection Act is amended by inserting after 
the item relating to section 176 the following: 
‘‘Sec. 177 Periodic adjustments to thresholds to account for increases in cur-
rent-dollar United States gross domestic product. 
‘‘Sec. 178. Adjustments to thresholds established by rule to account for in-
creases in current-dollar United States gross domestic prod-
uct.’’. 
Æ 
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