This bill would significantly reduce the number of banks subject to strict federal regulations by raising the asset threshold from $10 billion to $50 billion. Banks with assets between $10 billion and $50 billion would no longer face requirements including Consumer Financial Protection Bureau supervision, the Volcker Rule that restricts proprietary trading, qualified mortgage standards, and enhanced capital requirements. The changes would affect dozens of mid-sized regional banks that currently must comply with these post-2008 financial crisis regulations. The bill was introduced in May 2025 and reported out of the House Financial Services Committee in June 2025, though it does not include specific funding provisions or implementation timelines.
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