TAILOR Act of 2025

Bill 119 s 427, also known as the "Risk Profile and Business Model Act," is a piece of legislation that aims to require the Federal financial institutions regulatory agencies to consider the risk profiles and business models of financial institutions when making regulatory decisions. The bill emphasizes the importance of taking into account the unique characteristics and circumstances of each institution when implementing regulations.

The main goal of this bill is to ensure that regulatory actions are tailored to the specific needs and circumstances of each financial institution, rather than applying a one-size-fits-all approach. By considering the risk profiles and business models of institutions, regulators can better assess the potential impact of regulations and make more informed decisions that promote stability and growth in the financial sector.

In addition to requiring regulators to take into account risk profiles and business models, the bill also includes provisions for other purposes related to financial regulation. These additional purposes are not specified in the summary, but may include measures to enhance transparency, accountability, and efficiency in the regulatory process. Overall, Bill 119 s 427 seeks to improve the regulatory framework for financial institutions by promoting a more nuanced and tailored approach to regulation that takes into account the unique characteristics of each institution. By considering risk profiles and business models, regulators can better protect the stability of the financial system while also supporting the growth and competitiveness of financial institutions.