Fed Eyes Bank Mergers: Comments Due by June
Published Date: 5/8/2025
Notice
Summary
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 June 9, 2025. This affects banks, their owners, and anyone interested in bank mergers or acquisitions.
Analyzed Economic Effects
5 provisions identified: 2 benefits, 1 costs, 2 mixed.
Public comment window opens
The Federal Reserve is accepting written comments on applications to form or acquire bank holding companies. Comments must be received by June 9, 2025 at the Reserve Bank listed or the Board of Governors in Washington, DC.
Comments will be publicly disclosed
Comments you send are subject to public disclosure and generally will be made available without change, including personal or business contact information. The notice tells you not to include confidential information that would not be appropriate for public disclosure.
Applications available for public inspection
Public portions of the bank holding company applications are available for immediate inspection at the Federal Reserve Banks named in the notice and at the Board of Governors. You can also request related filings via the Board's Freedom of Information Office at https://www.federalreserve.gov/foia/request.htm.
Ponce Financial Group application listed
Ponce Financial Group, Inc., Bronx, New York, applied to become a bank holding company by acquiring Ponce Bank, Bronx, New York, upon the bank's conversion from a federal savings bank to a national bank. This application is listed for public comment and review.
Chickasaw Banc Holding Company acquisition listed
Chickasaw Banc Holding Company, Oklahoma City, Oklahoma, applied to acquire Oklahoma Heritage Bank, Roff, Oklahoma. The application is available for public inspection and comment through June 9, 2025.
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
2026-08298, Regulatory Capital Rule: Community Bank Leverage Ratio Framework
Starting July 1, 2026, community banks get a break! The minimum leverage ratio drops from 9% to 8%, making it easier for smaller banks to meet rules. Plus, banks can now stay in this easier framework longer—up to four straight quarters instead of two—helping them manage their money better without rushing.
2026-05960, Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets
Big banks and community banks are getting new rules to better measure the risks in their loans and investments. The changes update how banks count certain assets and income when figuring out their safety net money, called regulatory capital. These updates aim to make banks safer and smarter with their money, with some rules kicking in soon and affecting how much capital banks need to hold.
2025-21625, Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework
The government wants to make it easier for small banks to stay in a special low-risk capital program by lowering the required leverage ratio from 9% to 8%. They’re also giving banks more time—up to four quarters instead of two—to fix any issues without losing their spot. Banks and bank holding companies should weigh in by January 30, 2026, as these changes could save them money and reduce red tape.
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.
2026-20668, Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
If you want to buy shares in a bank or bank holding company, you need to tell the Federal Reserve first. They check to make sure everything’s fair and safe before you can take control. If you’re interested, you have until October 23, 2026, to share your thoughts or concerns about these deals.
2026-20509, Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks: Bank Holding Companies
The Federal Reserve is updating rules about loans to bank insiders like executives and big shareholders to make things clearer and fairer. They’re giving everyone more time—until November 4, 2026—to share their thoughts on these changes. This affects banks and their top people, aiming to boost transparency and keep things running smoothly.
Previous / Next Documents
Previous: 2025-08076, Certain Dryer Wall Exhaust Vent Assemblies and Components Thereof; Notice of a Commission Determination Not To Review an Initial Determination Finding the Sole Respondent in Default; Request for Written Submissions on Remedy, the Public Interest, and Bonding
The U.S. International Trade Commission decided not to change a previous ruling that one company didn’t respond in a case about dryer wall exhaust vent parts. Now, the Commission wants people to send in their ideas on how to fix the problem, what’s best for the public, and money guarantees. If you’re involved or interested, get ready to share your thoughts soon!
Next: 2025-08081, Agency Information Collection Activities; Proposed eCollection eComments Requested; Visitor Access Request-ATF Form 8620.71
The ATF wants to update its Visitor Access Request form (Form 8620.71) to make it easier and faster for visitors to get approved. This affects anyone who needs to visit ATF offices and helps speed up the process without adding extra costs. The government is asking for your feedback before they make these changes official, so now’s the time to speak up!