Fed Announces Banks Still Doing Bank Things, World Continues
Published Date: 11/26/2025
Notice
Summary
Bank holding companies want to form, merge, or buy other banks, and the Federal Reserve is reviewing their applications. If you’re involved with these companies or just curious, you can comment by December 26, 2025. These moves could change who controls certain banks and might affect how money flows in your community.
Analyzed Economic Effects
2 provisions identified: 0 benefits, 1 costs, 1 mixed.
Proposed local bank ownership change
The Adirondack Trust Company Employee Stock Ownership Trust applied to acquire additional voting shares of 473 Broadway Holding Corporation and thereby indirectly acquire additional voting shares of The Adirondack Trust Company in Saratoga Springs, New York. The Federal Reserve is accepting public comments on this application until December 26, 2025.
Public comments will be publicly disclosed
If you send a comment about any application, your comment will be made available to the public and generally will be released without changes. The notice warns you not to include confidential or identifying information because comments may include contact or business data that will be disclosed.
Your PRIA Score
Personalized for You
How does this regulation affect your finances?
Sign up for a PRIA Policy Scan to see your personalized alignment score for this federal register document and every other regulation we track. We analyze your financial profile against policy provisions to show you exactly what matters to your wallet.
Key Dates
Take It Personal
Get Your Personalized Policy View
Start a Free Government Policy Watch to see how policy affects your household, then upgrade to PRIA Full Coverage for year-round monitoring.
Already have an account? Sign in