H.R. 7056

119 HR 7056 IH: Community Bank Regulatory Tailoring Act
 U.S. House of Representatives
 2026-01-14
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 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
  2d Session  H. R. 7056  IN THE HOUSE OF REPRESENTATIVES   January 14, 2026   Mr. Barr  introduced the following bill; which was referred to the  Committee on Financial Services    A BILL
To index statutory thresholds, and for other purposes.
1.
Short title
This Act may be cited as the   Community Bank Regulatory Tailoring Act  .
2.
Threshold adjustments to account for historical increases in current-dollar United States Gross Domestic Product
(a)
Bank holding company act of 1956
The Bank Holding Company Act of 1956 ( 12 U.S.C. 1841 et seq. ) is amended—
(1)
in section 5(c)(3)(C)(ii) ( 12 U.S.C. 1844(c)(3)(C)(ii) ), by striking  $1,000,000  and inserting  $3,000,000 ; and
(2)
in section 13(h)(1)(B)(i) ( 12 U.S.C. 1851(h)(1)(B)(i) ), by striking  $10,000,000,000  and inserting  $15,000,000,000 .
(b)
Community reinvestment act of 1977
Section 809(a) of the Community Reinvestment Act of 1977 ( 12 U.S.C. 2908(a) ) is amended by striking  $250,000,000  and inserting  $800,000,000 .
(c)
Depository institution management interlocks act
The Depository Institution Management Interlocks Act ( 12 U.S.C. 3201 et seq. ) is amended—
(1)
in section 202(4) ( 12 U.S.C. 3201(4) ), by striking  $100,000,000  and inserting  $600,000,000 ;
(2)
in section 203(1) ( 12 U.S.C. 3202(1) ), by striking  $50,000,000  and inserting  $110,000,000 ; and
(3)
in section 204 ( 12 U.S.C. 3203 )—
(A)
by striking  $2,500,000,000  and inserting  $10,000,000,000 ; and
(B)
by striking  $1,500,000,000  and inserting  $10,000,000,000 .
(d)
Dodd-Frank wall street reform and consumer protection act
The Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5301 et seq. ) is amended—
(1)
in section 210 ( 12 U.S.C. 5390 )—
(A)
in subsection (o), by striking  $50,000,000,000  and inserting  $105,000,000,000 ; and
(B)
in subsection (r), by striking  $1,000,000  and inserting  $5,000,000 ; and
(2)
in section 956(f) ( 12 U.S.C. 5641(f) ), by striking  $1,000,000,000  and inserting  $3,000,000,000 .
(e)
Federal credit union act
The Federal Credit Union Act ( 12 U.S.C. 1751 et seq. ) is amended—
(1)
in section 202 ( 12 U.S.C. 1782 )—
(A)
in subsection (a)(6)(C)(iii)—
(i)
in the heading, by striking
DE MINIMUS   and inserting
DE MINIMIS  ; and
(ii)
by striking  $10,000,000  and inserting  $34,000,000 ;
(B)
in subsection (a)(6)(D)—
(i)
by striking  $500,000,000  and inserting  $2,000,000,000 ; and
(ii)
by striking  $10,000,000  and inserting  $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 Federal 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 inserting  $8,000,000,000 ;
(2)
in section 11(p)(1)(A)(i) ( 12 U.S.C. 1821(p)(1)(A)(i) ), by striking  $1,000,000  and inserting  $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 inserting  $110,000,000 ; and
(ii)
by striking  $75,000,000  and inserting  $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—
(1)
in section 7(a)(1) ( 12 U.S.C. 289 ) by striking  $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 inserting  $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  Exemption 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 amended—
(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 .
(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 Settlement 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 .
3.
Periodic adjustments to thresholds to account for future increases in current-dollar United States Gross Domestic 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 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 domestic product, published by the Department of Commerce, for the calendar year preceding the year in which the adjustment is calculated under this section, to the published 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 determined 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 determined 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 subsection (a) for any period is not a multiple of $5,000, the amount shall be rounded up to the nearest $5,000.
(9)
If any amount less than $10,000 but equal to or greater than $1,000 determined under subsection (a) for any period is not a multiple of $500, the amount shall be rounded up to the nearest $500.
(10)
If any amount less than $1,000 but equal to or greater than $100 determined under subsection (a) for any period is not a multiple of $50, the amount shall be rounded up to the nearest $50.
(11)
If any amount less than $100 but equal to or greater than $10 determined under subsection (a) for any period is not a multiple of $5, the amount shall be rounded up to the nearest $5.
(12)
If any amount less than $10 but equal to or greater than $1 determined under subsection (a) for any period is not a multiple of $0.50, the amount shall be rounded up to the nearest $0.50.
(d)
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 of the Federal Reserve System shall publish in the Federal Register the dollar amounts as so calculated.
(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 adjustment is required to be calculated under subsection (a).