Fed Eyes Nonbank Loan Ventures by Cypress Capital
Published Date: 4/22/2025
Notice
Summary
Some companies want to start or buy businesses that do activities related to banking but aren’t banks themselves. The Federal Reserve is checking these plans and asking the public to share their thoughts by May 7, 2025. This helps keep banking safe and sound while letting companies grow in new ways across the U.S.
Analyzed Economic Effects
2 provisions identified: 1 benefits, 0 costs, 1 mixed.
Public Comment Period Open
The Federal Reserve is asking the public to submit written comments on whether proposed transactions comply with section 4 of the Bank Holding Company Act. Comments must be received by May 7, 2025 and will be publicly disclosed; send them to the indicated Reserve Bank or the Board of Governors at the address in the notice.
Cypress Capital Seeks To Make Loans
Cypress Capital Group, Inc., of Palm Beach, Florida, filed notice with the Federal Reserve to engage de novo in extending credit and servicing loans under 12 CFR 225.28(b)(1). Unless otherwise noted, the notice states these activities will be conducted throughout the United States and are open for public comment through May 7, 2025.
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
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
Big U.S. banks that are super important to the economy are getting new rules to keep them safer and stronger. These changes tweak how much money they must keep on hand and how they handle long-term debt, helping prevent financial trouble. The new rules kick in soon and could affect how these banks manage billions in assets and debt.
2026-11522 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
If you or your family want to buy or control shares in a bank or bank holding company, you need to tell the Federal Reserve and wait for approval. The Federal Reserve reviews these requests carefully and invites the public to share their thoughts by June 24, 2026. This keeps bank ownership clear and fair, making sure big money moves get the green light before they happen.
2026-11523 — Formations of, Acquisitions by, and Mergers of Bank Holding Companies
Some companies want to become bank holding companies or merge with others, which means they’ll control banks or other financial businesses. If you want to share your thoughts, you’ve got until July 9, 2026, to send comments. These changes could shake up local banking, so keep an eye on who’s joining forces and when!
2026-11448 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
Some folks want to buy shares in banks or bank companies, and the Federal Reserve is checking their applications to make sure everything’s fair and safe. If you want to share your thoughts, you’ve got until June 23, 2026, to speak up! This process helps keep banks strong and protects everyone’s money.
2026-11355 — Formations of, Acquisitions by, and Mergers of Bank Holding Companies
Mascoma Mutual Financial Services from New Hampshire is merging with Androscoggin Bancorp in Maine and will also take over Portland Trust Company to offer trust services. This means bigger banking options and new services for customers in these areas. The Federal Reserve fixed a previous notice to make sure everyone knows the details clearly.
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.
Previous / Next Documents
Previous: 2025-06875 — Formations of, Acquisitions by, and Mergers of Bank Holding Companies
Some companies want to become bank holding companies or buy banks, and the Federal Reserve is checking their applications. If you want to share your thoughts, you have until May 22, 2025, to send comments. This process affects banks, their owners, and the public, making sure everything stays safe and fair in banking.
Next: 2025-06878 — Prospective Grant of an Exclusive Patent License: Size-Dependent Brain and Lymphatic Distribution of Macromolecular Drug Delivery Platform
The National Cancer Institute is planning to give Sangam Lifesciences an exclusive patent license for a cool new drug delivery technology that targets the brain and lymph system based on size. This means Sangam gets special rights to develop and sell this invention, which could speed up better treatments. If you’re in biotech or healthcare, keep an eye out—this deal could shake things up soon!