Banks Merging Up: Fed Eyes Holding Company Shakeups
Published Date: 5/5/2025
Notice
Summary
Some companies want to become or grow as bank holding companies by merging with or buying other banks. If you’re involved in banking or just curious, you can share your thoughts by June 4, 2025. These moves could shake up who controls banks and how they operate, so keep an eye on the changes and deadlines!
Analyzed Economic Effects
4 provisions identified: 2 benefits, 0 costs, 2 mixed.
Public comment window and disclosure rules
You can submit written comments on the bank holding company applications; comments must be received by June 4, 2025. Comments will be made publicly available without change, so do not include confidential information.
Regent Capital seeks DLP Bank acquisition
Regent Capital Corporation (Nowata, Oklahoma), through DLP Acquisition Corporation, has applied to merge with DLP Bancshares, Inc., and thereby indirectly acquire DLP Bank in Starke, Florida. Public comments on this application must be received by June 4, 2025 at the Federal Reserve Bank of Kansas City or the Board of Governors.
Investor group seeks HomeStreet Bank control
A group of investor entities based in University Park, Texas, has applied to acquire voting shares of HomeStreet, Inc., and thereby indirectly acquire voting shares of HomeStreet Bank in Seattle, Washington. Comments on this application must be received by June 4, 2025 at the Federal Reserve Bank of Dallas or the Board of Governors.
Public access to application records
The public portions of the applications are available for inspection at the Federal Reserve Banks and at the Board of Governors, and may be obtained via the Board's Freedom of Information Office. Requests for expedited access can be made to the appropriate Federal Reserve Bank.
Personalized for You
How does this regulation affect your finances?
Personalize government policy and PRIA will tell you what this federal register document means for your household, plus every other regulation we track. PRIA reads each provision against your financial profile 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.
2026-15774, Regulatory Modernization and Relief for Mutual Holding Companies
The Board invites comment on a notice of proposed rulemaking (proposal) to modernize the regulatory framework applicable to mutual holding companies (MHCs), primarily through proposed revisions to Regulation MM (12 CFR part 239), which governs the formation, operations, activities, and conversion of savings and loan holding companies in mutual form. The proposal would amend Regulation MM by, among other things, eliminating certain dividend waiver requirements, reducing burden associated with conversions from mutual-to-stock form, revising certain post-conversion restrictions, eliminating the requirement that subsidiary holding companies of MHCs obtain federal charters, and revising and clarifying other provisions of the regulation. The proposal also would amend the capital rule (12 CFR part 217) to clarify that certain mutual capital instruments may qualify as regulatory capital and to codify model term sheets for mutual capital certificates as appendices to the regulation.
2026-15777, Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks; Bank Holding Companies
The Board is inviting public comment on proposed amendments to Regulation O, which governs loans by member banks to their insiders and insiders of their affiliates. The proposed amendments would update and modernize the regulation, increase transparency by clarifying requirements and incorporating existing interpretations, and promote efficiency by reducing regulatory burden. The proposed amendments also would incorporate existing statutory requirements that are not currently reflected in the regulation. Moreover, the proposed amendments would update several outdated dollar-based thresholds in Regulation O and index these thresholds going forward. In addition, the proposed amendments would address the application of Regulation O to member banks that lend to companies that are presumed to be controlled by large asset management companies through passive investment funds. Finally, the proposed amendments would revise and reorganize the regulation to streamline the text and make it more accessible.
2026-14373, 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 have thoughts, you can send comments by August 17, 2026. This affects banks and their owners, and the process helps keep banking safe and fair.
2026-14064, 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 reviewing their applications. If you have thoughts, you can send comments by August 12, 2026. This affects banks, their owners, and the public, with no direct costs but important changes in who controls banks.
2026-14060, Inflation Adjustments for Civil Money Penalties
The Federal Reserve announced that civil money penalties won’t go up in 2026 because inflation data wasn’t available due to a government shutdown. This means businesses and individuals facing these penalties will see the same amounts as in 2025. The freeze keeps things steady until new inflation numbers come in next year.
Previous / Next Documents
Previous: 2025-07779, Name of Information Collection: NASA Aviation Safety Reporting System (ASRS) and Related Voluntary Safety Reporting Systems (VSRS)
NASA wants to keep making flying safer by collecting reports from pilots and others about any safety issues they notice. They’re asking everyone to help by sharing their thoughts on how to keep this reporting easy and quick, so no one gets bogged down with paperwork. This effort affects pilots, air traffic folks, and anyone involved in aviation safety, with no big costs or time changes expected.
Next: 2025-07782, Light-Walled Rectangular Pipe and Tube From the People's Republic of China: Final Results of Antidumping Duty Administrative Review and Final Determination of No Shipments; 2022-2023
The U.S. checked if Hoa Phat Steel Pipe Company shipped light-walled rectangular pipe and tube from China between August 2022 and July 2023 and found they didn’t. Hoa Phat can now join a special certification program related to trade duties on these pipes from China, Korea, and Taiwan. This means smoother trade and clearer rules for Hoa Phat going forward.