Bank Resilience and Regulatory Improvement Act

The Bank Resilience and Regulatory Improvement Act increases regulatory thresholds for medium-sized banks from $10 billion to $50 billion in assets, exempting them from certain requirements. It establishes a 30-day notice period for regulatory applications and a 90-day deadline for approval decisions, with applications deemed approved if not acted upon within that timeframe. The bill creates an independent appeals process for banks challenging regulatory decisions and raises the asset threshold for "small bank holding company" status to $10 billion. These changes reduce regulatory burden for medium-sized financial institutions while maintaining oversight standards.