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.
Summary
What This Bill Does
The bill provides tailoring regulation to business model and risk, provides short-form call reports for all banks eligible for the community bank leverage ratio The appropriate Federal banking agencies, as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C, and provides report to Congress on modernization of supervision. It relies on appropriations, reporting requirements, compliance mandates, and definition changes. The main policy areas are Finance, Homeowners, Housing, and Science & Space.
Who Benefits and How
Public beneficiaries or protected communities affected by the clause could face reduced risk.
Who Bears the Burden and How
Federal, state, or local agencies responsible for implementing the clause would take on compliance duties, Financial services firms and customers affected by the bill would take on compliance duties, and Businesses and employers affected by the bill would take on compliance duties.
Key Provisions
- Provides tailoring regulation to business model and risk.
- Provides short-form call reports for all banks eligible for the community bank leverage ratio The appropriate Federal banking agencies, as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C.
- Provides report to Congress on modernization of supervision.
Evidence Chain:
This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers with clause-level evidence links.
At a Glance
What This Bill Does
The bill provides tailoring regulation to business model and risk, provides short-form call reports for all banks eligible for the community bank leverage ratio The appropriate Federal banking agencies, as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C, and provides report to Congress on modernization of supervision.
Key Policy Areas
Finance, Homeowners, Housing, Science & Space
Primary Purpose
The bill provides tailoring regulation to business model and risk, provides short-form call reports for all banks eligible for the community bank leverage ratio The appropriate Federal banking agencies, as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C, and provides report to Congress on modernization of supervision.
Policy Domains
Whole bill
Identified Gains
- Public beneficiaries or protected communities affected by the clause
Identified Costs
- Federal, state, or local agencies responsible for implementing the clause
- Financial services firms and customers affected by the bill
- Businesses and employers affected by the bill
- Homeowners, tenants, or housing market participants affected by the bill
- Researchers and scientific institutions affected by the bill
Sponsors
Legislative Progress
IntroducedMr. Rounds (for himself, Ms. Lummis, Mr. Tillis, Mr. Hagerty, …
Impact analysis is available but no clear stakeholder effects identified. View clause-level analysis →
Bill Structure & Actor Mappings
Who is "The Secretary" in each section?
We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.
Learn more about our methodology