Fed Reviews Bank Mergers and Acquisitions for Safety and Fairness
Published Date: 1/22/2025
Notice
Summary
Bank companies want to join forces or buy each other, and the Federal Reserve is checking their plans to keep things fair and safe. If you have thoughts, you can share them by February 21, 2025. This affects banks and their owners, and it’s all about making sure these big moves follow the rules without causing trouble.
Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
Public comment deadline and disclosure
You can send written comments about these bank holding company applications, but they must be received by February 21, 2025. Comments will be made available to the public without change, so do not include confidential or sensitive personal or business information.
Public access to bank merger applications
The public portions of these bank holding company applications are available for immediate inspection at the Federal Reserve Bank(s) indicated and at the Board of Governors' offices, and may be requested via the Board's Freedom of Information Office (https://www.federalreserve.gov/foia/request.htm). You can request expedited access by contacting the appropriate Federal Reserve Bank.
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Key Dates
Related Federal Register Documents
2025-21626 — Regulatory Capital Rule: Modifications to the Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Their Subsidiary Depository Institutions; Total Loss-Absorbing Capacity and Long-Term Debt Requirements for U.S. Global Systemically Important Bank Holding Companies
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2026-11100 — Formations of, Acquisitions by, and Mergers of Bank Holding Companies
Bank companies want to grow by forming new groups, buying other banks, or merging with them. If you’re involved with these companies, you can share your thoughts by July 3, 2026. These moves could change who controls local banks and might affect money and services in your community.
2026-10376 — Regulation A: Extensions of Credit by Federal Reserve Banks
The Federal Reserve is proposing a rule that says if you have a special-purpose payment account, you can’t borrow money from the Fed’s discount window. This change won’t affect the usual borrowing programs or interest rates. If you want to share your thoughts, you have until July 27, 2026, to speak up!
2026-10377 — Regulation D: Reserve Requirements of Depository Institutions
The Federal Reserve is proposing a change to how it treats special-purpose payment accounts, called Payment Accounts, by not paying interest on the money held in them. This update affects banks with master accounts and these new Payment Accounts but won’t change reserve requirements, which stay at zero. If you want to share your thoughts, you have until July 27, 2026, to comment!
2026-10375 — Proposed Revisions to the Federal Reserve Policy on Payment System Risk and the Guidelines for Account and Services Requests
The Federal Reserve is updating its rules to create special Payment Accounts for certain payment activities and changing how banks request access to these accounts and other services. Banks labeled as Tier 3 should hold off on new account requests while these updates are finalized. Comments on these changes are open until July 27, 2026, and the updates aim to make payment systems safer and smoother without extra costs for most users.
2026-09890 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
If you want to buy or control shares in a bank or bank holding company, you need to tell the Federal Reserve first. They’re reviewing requests like the Mahar Family’s plan to keep control of their bank in North Dakota. If you want to share your thoughts, you’ve got until June 2, 2026, to speak up—so don’t miss the deadline!
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