Hearing: Regulatory Overreach: The Price Tag on American Prosperity

Subcommittee on Financial Institutions (Committee on Financial Services)

Tuesday, April 29, 2025 (10:00 AM)

2128 RHOB
Washington, D.C.

Witnesses

Ms. Sarah Christine Flowers
Senior Vice President, Senior Associate General Counsel, Bank Policy Institute, Washington, DC

Added 04/24/2025 at 11:27 AM
  • Witness Statement [PDF] Added 04/28/2025 at 01:11 PM
  • Witness Truth in Testimony [PDF] Added 04/28/2025 at 01:11 PM
  • Witness Biography [PDF] Added 04/28/2025 at 01:11 PM

Mr. J. Michael Radcliffe
Chairman & Chief Executive Officer, Community Financial Services Bank, Benton, KY

Added 04/24/2025 at 11:27 AM
  • Witness Statement [PDF] Added 04/28/2025 at 11:22 AM
  • Witness Truth in Testimony [PDF] Added 04/28/2025 at 11:22 AM
  • Witness Biography [PDF] Added 04/28/2025 at 11:22 AM

Mrs. Margaret E. Tahyar
Partner, Head of Financial Institutions Group, Davis Polk & Wardwell LLP, New York, NY

Added 04/24/2025 at 11:27 AM
  • Witness Statement [PDF] Added 04/28/2025 at 11:34 AM
  • Witness Truth in Testimony [PDF] Added 04/28/2025 at 11:34 AM
  • Witness Biography [PDF] Added 04/28/2025 at 11:34 AM

The Honorable Graham Steele
Academic Fellow, Rock Center for Corporate Governance, Stanford Law School, Stanford, CA

Added 04/24/2025 at 11:27 AM
  • Witness Statement [PDF] Added 04/28/2025 at 11:22 AM
  • Witness Truth in Testimony [PDF] Added 04/28/2025 at 11:22 AM
  • Witness Biography [PDF] Added 04/28/2025 at 11:22 AM

Text of Legislation

  • H.R. ____, the Taking Account of Institutions with Low Operation Risk Act of 2025 (TAILOR Act of 2025) [PDF] Added 04/24/2025 at 11:27 AM
  • H.R. 2702, the Financial Integrity and Regulation Management Act (FIRM Act) [PDF] Added 04/24/2025 at 11:27 AM
  • H.R. ____, the International Regulatory Transparency and Accountability Act [PDF] Added 04/24/2025 at 11:27 AM
  • H.R. ____, the Ensuring U.S. Authority over U.S. Banking Regulations Act [PDF] Added 04/24/2025 at 11:27 AM
  • H.R. ____, the Congressional Banking Regulation Priorities and Accountability Act of 2025 [PDF] Added 04/24/2025 at 11:27 AM
  • H.R. ____, the Banking Regulator International Reporting Act [PDF] Added 04/24/2025 at 11:27 AM
  • H.R. ____, the Guidance Clarity Act of 2025 [PDF] Added 04/24/2025 at 11:27 AM
  • H.R. ____, the FDIC Board Accountability Act [PDF] Added 04/24/2025 at 11:27 AM
  • H.R. ____, the Federal Reserve Financial Accountability and Transparency Act [PDF] Added 04/24/2025 at 11:27 AM
  • H.R. ____, the Banking Regulator Accountability Act [PDF] Added 04/24/2025 at 11:27 AM
  • H.R. 2808, the Homebuyers Privacy Protection Act [PDF] Added 04/24/2025 at 11:27 AM
  • H.R. 1181, the Protecting Privacy in Purchases Act [PDF] Added 04/24/2025 at 11:27 AM
  • H.R. ____, the CAMELS Rating Modernization Act of 2025 [PDF] Added 04/24/2025 at 11:27 AM
  • H.R. ____, the Tailored Regulatory Updates for Supervisory Testing Act of 2025 (TRUST Act of 2025) [PDF] Added 04/24/2025 at 11:27 AM
  • H.R. ____, the Supervisory Modifications for Appropriate Risk-based Testing Act of 2025 (SMART Act of 2025) [PDF] Added 04/24/2025 at 11:27 AM

Support Documents

  • Memorandum [PDF] Added 04/24/2025 at 11:27 AM
  • Notice [PDF] Added 04/22/2025 at 11:01 AM

First Published: April 22, 2025 at 09:56 AM
Last Updated: April 28, 2025 at 01:15 PM


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