I 
119TH CONGRESS 
1ST SESSION H. R. 3380 
To require the Federal financial institutions regulatory agencies to take risk 
profiles and business models of institutions into account when taking 
regulatory actions, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MAY 14, 2025 
Mr. LOUDERMILK introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To require the Federal financial institutions regulatory agen-
cies to take risk profiles and business models of institu-
tions into account when taking regulatory actions, and 
for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Taking Account of In-
stitutions with Low Operation Risk Act of 2025’’ or the 
‘‘TAILOR Act of 2025’’. 
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SEC. 2. TAILORING REGULATION TO BUSINESS MODEL AND 
RISK. 
(a) DEFINITIONS.—In this section— 
(1) the term ‘‘Federal financial institutions reg-
ulatory agency’’ means the Office of the Comptroller 
of the Currency, the Board of Governors of the Fed-
eral Reserve System, the Federal Deposit Insurance 
Corporation, the National Credit Union Administra-
tion, and the Bureau of Consumer Financial Protec-
tion; and 
(2) the term ‘‘regulatory action’’— 
(A) means any proposed, interim, or final 
rule or regulation; and 
(B) does not include any action taken by 
a Federal financial institutions regulatory agen-
cy that is solely applicable to an individual in-
stitution, including an enforcement action or 
order. 
(b) CONSIDERATION AND TAILORING.—For any reg-
ulatory action occurring after the date of enactment of 
this Act, each Federal financial institutions regulatory 
agency shall— 
(1) take into consideration the risk profile and 
business models of each type of institution or class 
of institutions subject to the regulatory action; and 
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(2) tailor the regulatory action applicable to an 
institution, or type of institution, in a manner that 
limits the regulatory impact, including cost, human 
resource allocation, and other burdens, on the insti-
tution or type of institution as is appropriate for the 
risk profile and business model involved. 
(c) FACTORS TO CONSIDER.—In carrying out the re-
quirements of subsection (b), each Federal financial insti-
tutions regulatory agency shall consider— 
(1) the aggregate effect of all applicable regu-
latory action on the ability of institutions to flexibly 
serve customers of the institutions and local markets 
on and after the date of enactment of this Act; 
(2) the potential effect that efforts to imple-
ment the regulatory action and third-party service 
provider actions may work to undercut efforts to tai-
lor the regulatory action described in subsection 
(b)(2); and 
(3) the statutory provision authorizing the reg-
ulatory action, the congressional intent with respect 
to the statutory provision, and the underlying policy 
objectives of the regulatory action. 
(d) NOTICE
OF
PROPOSED
AND
FINAL
RULE-
MAKING.—Each Federal financial institutions regulatory 
agency shall disclose and document in every notice of pro-
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posed rulemaking and in any final rulemaking for a regu-
latory action described in subsection (b). 
(e) REPORTS TO CONGRESS.—Not later than 1 year 
after the date of enactment of this Act and annually there-
after, each Federal financial institutions regulatory agency 
shall submit to the Committee on Banking, Housing, and 
Urban Affairs of the Senate and the Committee on Finan-
cial Services of the House of Representatives a report on 
the specific actions taken to tailor the regulatory actions 
of the Federal financial institutions regulatory agency 
pursuant to the requirements of this section. 
(f) LIMITED LOOK-BACK APPLICATION.— 
(1) IN GENERAL.—Each Federal financial insti-
tutions regulatory agency shall— 
(A) conduct a review of all final regula-
tions issued pursuant to statutes enacted dur-
ing the period beginning on the date that is 15 
years before the date on which this Act is intro-
duced in the House of Representatives and end-
ing on the date of enactment of this Act; and 
(B) apply the requirements of this section 
to the regulations described in subparagraph 
(A). 
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