This bill, known as the Taking Account of Institutions with Low Operation Risk Act of 2025 or the TAILOR Act of 2025 , mandates that federal financial institutions regulatory agencies consider the risk profiles and business models of institutions when taking regulatory actions. The primary goal is to tailor these regulations to limit their impact, including costs and resource allocation, in a manner appropriate for the specific risk and business model involved. For any new regulatory action, agencies must consider the aggregate impact on institutions' ability to serve customers, potential undermining of tailoring efforts by implementation or third parties, and the underlying statutory intent. They are required to disclose and document how these considerations were applied in both proposed and final rulemakings, and submit annual reports to Congress detailing their tailoring actions. Furthermore, the Act requires a limited look-back review of regulations issued in the seven years prior to its enactment, applying the tailoring requirements and revising them as needed within three years. It also directs appropriate federal banking agencies to establish reduced reporting requirements for banks eligible for the Community Bank Leverage Ratio. Finally, the bill mandates a report to Congress on the modernization of bank supervision, addressing factors like changing business models, examiner training, and supervisory technology.