Senator Richard Shelby (R-Ala), Chairman of the Senate Banking Committee, is drafting a regulatory-relief bill to modify the Dodd-Frank Wall Street Reform Act that would potentially increase the lender asset-size threshold from $10 billion to $50 billion. This asset-size change would free up smaller lenders from the great compliance risk and high-capital investments Dodd-Frank requires. One of the other potential changes is to increase the systematically important financial institution (SIFI) asset-size threshold. A SIFI has to meet certain capital standards and must develop a contingency plan for a potential future failure. Analysis of the proposed changes from Compass Point Research & Trading, an independent financial services investment firm, claims that increasing the institution asset-size would ease compliance burdens, but would also increase the number of mergers and acquisitions. Compass Point also points out that with the current anxiety and time constraints stemming from Dodd-Frank, reform that includes large, sweeping changes seems unlikely. However, potentially softer changes to the regulations may pass through partisan muster in Congress.