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H.R. 3230

U.S. House•House Floor Calendar

Summary

H.R. 3230, the Financial Institution Regulatory Tailoring Enhancement Act, was introduced in the House on May 7, 2025 by Rep. Garland Barr (R) with 2 co-sponsors. It last saw action on Jun 20, 2025: Placed on the Union Calendar, Calendar No. 132.

Record

Text

H.R. 3230 has 2 co-sponsors.

hb3230/introduced-in-house.txt
119 HR 3230 IH: Financial Institution Regulatory Tailoring Enhancement Act
 U.S. House of Representatives
 2025-05-07
 text/xml
 EN
 Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
 I  119th CONGRESS  1st Session  H. R. 3230  IN THE HOUSE OF REPRESENTATIVES   May 7, 2025   Mr. Barr  (for himself and  Mr. Meuser ) introduced the following bill; which was referred to the  Committee on Financial Services    A BILL
To increase the asset thresholds at which financial institutions become subject to certain requirements, and for other purposes.
1.
Short title
This Act may be cited as the   Financial Institution Regulatory Tailoring Enhancement Act  .
2.
Increased asset thresholds
(a)
Bureau Supervision
Section 1025(a) of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5515 ) is amended by striking  $10,000,000,000  each place it occurs and inserting  $50,000,000,000 .
(b)
Volker rule requirements
Section 13(h)(1)(B)(i) of the Bank Holding Company Act of 1956 ( 12 U.S.C. 1851(h)(1)(B)(i) ) is amended by striking  $10,000,000,000  and inserting  $50,000,000,000 .
(c)
Qualified mortgage requirements
Section 129C(b)(F)(i) of the Truth in Lending Act ( 15 U.S.C. 1639c(b)(F)(i) ) is amended by striking  $10,000,000,000  and inserting  $50,000,000,000 .
(d)
Leverage and risk-Based capital requirements
Section 201(a)(3)(A) of the Economic Growth, Regulatory Relief, and Consumer Protection Act ( 12 U.S.C. 5371  note (a)(3)(A)) is amended by striking  $10,000,000,000  and inserting  $50,000,000,000 .

Tracker

The tracker indicates the progress of this legislation as it moves through the legislative process.

  1. Introduced2025-05-07
  2. Passed House
  3. Passed Senate
  4. Conference
  5. To President
  6. Became Law

To increase the asset thresholds at which financial institutions become subject to certain requirements, and for other purposes.

Sponsors

Rep. Garland Barr (R) sponsors H.R. 3230, and 2 members have co-sponsored it, 1 of them from the day it was introduced.

Committees

H.R. 3230 went before 1 committee: Financial Services.

Financial Services
Financial Services
Reported By · Jun 20, 2025 · 559 Bills

Reports

1 committee report has been filed on H.R. 3230, the latest H. Rept. 119-165.

Actions

H.R. 3230 has taken 6 actions since May 7, 2025, the latest on Jun 20, 2025.

ChamberAction
Jun 20, 2025
House
Reported (Amended) by the Committee on Financial Services. H. Rept. 119-165.Financial Services Committee
Jun 20, 2025
House
Placed on the Union Calendar, Calendar No. 132.
May 21, 2025
House
Committee Consideration and Mark-up Session HeldFinancial Services Committee
May 21, 2025
House
Ordered to be Reported (Amended) by the Yeas and Nays: 29 - 23.Financial Services Committee
May 7, 2025
House
Introduced in House

Votes

H.R. 3230 has not gone to a roll call.

Titles

H.R. 3230 goes by 4 titles, 2 of them short titles.

  • Financial Institution Regulatory Tailoring Enhancement Act — Short Title(s) as Reported to House
  • To increase the asset thresholds at which financial institutions become subject to certain requirements, and for other purposes. — Official Title as Introduced
  • Financial Institution Regulatory Tailoring Enhancement Act — Display Title
  • Financial Institution Regulatory Tailoring Enhancement Act — Short Title(s) as Introduced

Cost estimate

The Congressional Budget Office has filed 1 estimate for H.R. 3230, the latest on Oct 8, 2025.

Lobbying

6 clients hired 6 firms and 161 registered lobbyists who named H.R. 3230 in 23 quarterly filings, 2025 to 2026. Reported under the Lobbying Disclosure Act; a filing’s income covers everything its registrant worked that quarter, so the amounts below are the filings’, not this bill’s.

Filed under Banking, Budget/Appropriations, Taxation/Internal Revenue Code, Financial Institutions/Investments/Securities, Small Business, Insurance, Science/Technology, Consumer Issues/Safety/Products.

Clients

Who paid to be heard, by how many filings named the bill.

ClientBusinessStateFirmsFilingsReported
AMERICAN BANKERS ASSOCIATION—District of Columbia15—
CHAMBER OF COMMERCE OF THE U.S.A.—District of Columbia15—
CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONS—District of Columbia15—
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES—District of Columbia15—
MORTGAGE BANKERS ASSOCIATION—District of Columbia12—
AMERICANS FOR FINANCIAL REFORM—District of Columbia11—

Firms

Registrants who filed on the bill, by filings.

RegistrantClientsFilingsReported
AMERICAN BANKERS ASSOCIATION15—
CHAMBER OF COMMERCE OF THE U.S.A.15—
CREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS15—
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES15—
MORTGAGE BANKERS ASSOCIATION12—
AMERICANS FOR FINANCIAL REFORM11—

Lobbyists

Named on the filings that cite the bill. The 20 named most often, of 161.

LobbyistFirmsClientsFilings
ABELARDO TORRES115
ALEXA BRANSON115
ALEX CATANESE115
ALISON TOUHEY115
ANDREA PORWOLL115
ANDREW MORRIS115
ANTHONY COTTO115
ANTHONY PARDAL115
ASHLEY GUM115
BLAKE EARLEY115
BRADFORD THALER115
BRADLEY WATTS115
BRINCE MANNING115
BROOKE MILLER115
CASSIA CARVALHO115
CHAD WHITEMAN115
CHANTEL SHEAKS115
CHRIS FISHER115
CHRISTOPHER CRENSHAW115
CHRISTOPHER EYLER115

Filings

The documents themselves, on the Senate’s Lobbying Disclosure site, largest reported first.

ClientRegistrantPeriodReportedDocument
CHAMBER OF COMMERCE OF THE U.S.A.CHAMBER OF COMMERCE OF THE U.S.A.2026 first_quarter$19.8M1st Quarter - Amendme…
CHAMBER OF COMMERCE OF THE U.S.A.CHAMBER OF COMMERCE OF THE U.S.A.2026 first_quarter$19.8M1st Quarter - Report
CHAMBER OF COMMERCE OF THE U.S.A.CHAMBER OF COMMERCE OF THE U.S.A.2025 second_quarter$19.3M2nd Quarter - Report
CHAMBER OF COMMERCE OF THE U.S.A.CHAMBER OF COMMERCE OF THE U.S.A.2025 fourth_quarter$18M4th Quarter - Report
CHAMBER OF COMMERCE OF THE U.S.A.CHAMBER OF COMMERCE OF THE U.S.A.2025 third_quarter$13.7M3rd Quarter - Report
AMERICAN BANKERS ASSOCIATIONAMERICAN BANKERS ASSOCIATION2026 second_quarter$3.5M2nd Quarter - Report
AMERICAN BANKERS ASSOCIATIONAMERICAN BANKERS ASSOCIATION2026 first_quarter$3.1M1st Quarter - Report
AMERICAN BANKERS ASSOCIATIONAMERICAN BANKERS ASSOCIATION2025 third_quarter$2.2M3rd Quarter - Report
AMERICAN BANKERS ASSOCIATIONAMERICAN BANKERS ASSOCIATION2025 second_quarter$2M2nd Quarter - Report
AMERICAN BANKERS ASSOCIATIONAMERICAN BANKERS ASSOCIATION2025 fourth_quarter$1.7M4th Quarter - Report
CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONSCREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS2026 second_quarter$1.3M2nd Quarter - Report
CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONSCREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS2025 second_quarter$1.2M2nd Quarter - Report
CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONSCREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS2026 first_quarter$1.1M1st Quarter - Report
CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONSCREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS2025 third_quarter$1.1M3rd Quarter - Report
CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONSCREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS2025 fourth_quarter$1.1M4th Quarter - Report
MORTGAGE BANKERS ASSOCIATIONMORTGAGE BANKERS ASSOCIATION2026 first_quarter$770K1st Quarter - Report
MORTGAGE BANKERS ASSOCIATIONMORTGAGE BANKERS ASSOCIATION2025 fourth_quarter$710K4th Quarter - Report
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIESNATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES2026 second_quarter$540K2nd Quarter - Report
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIESNATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES2026 first_quarter$506.4K1st Quarter - Report
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIESNATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES2025 fourth_quarter$465.8K4th Quarter - Report

Classification

The Congressional Research Service files H.R. 3230 under Finance and Financial Sector, one of its 31 policy areas, and gives it 6 legislative subjects.

CRS Subjects

CRS assigns every bill one policy area from its 31; H.R. 3230’s is Finance and Financial Sector.

hr3230/policy-areas.txt
Finance and Financial SectorAgriculture and FoodAnimalsArmed Forces and National SecurityArts, Culture, ReligionCivil Rights and Liberties, Minority IssuesCommerceCongressCrime and Law EnforcementEconomics and Public FinanceEducationEmergency ManagementEnergyEnvironmental ProtectionFamiliesForeign Trade and International FinanceGovernment Operations and PoliticsHealthHousing and Community DevelopmentImmigrationInternational AffairsLabor and EmploymentLawNative AmericansPublic Lands and Natural ResourcesScience, Technology, CommunicationsSocial WelfareSports and RecreationTaxationTransportation and Public WorksWater Resources Development

Legislative Subjects

H.R. 3230 carries 6 of CRS’s legislative subjects, from Bank accounts, deposits, capital to User charges and fees.

hr3230/subjects.txt
Bank accounts, deposits, capitalBanking and financial institutions regulationFinancial services and investmentsHousing finance and home ownershipSecuritiesUser charges and fees

Constitutional authority

The clause the sponsor cites as Congress’s power to enact H.R. 3230, as entered in the Congressional Record.

[Congressional Record Volume 171, Number 76 (Wednesday, May 7, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. BARR:H.R. 3230.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8 of the United States Constitution.[Page H1910]

Source: congress.gov · legiscan.com