Fed Eyes Family Bank Buyouts for Safety
Published Date: 6/9/2025
Notice
Summary
Families and groups wanting to buy or keep big chunks of banks must tell the Federal Reserve and wait for approval. The public can check these plans and share their thoughts by June 24, 2025. This keeps bank ownership clear and fair, making sure no surprises pop up with who controls the money.
Analyzed Economic Effects
3 provisions identified: 1 benefits, 2 costs, 0 mixed.
Must File Change-in-Control Notice
If you or a family/group want to acquire or retain voting shares of a bank or bank holding company, you apply to the Federal Reserve under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Regulation Y Sec. 225.41. The Board will consider the factors listed in paragraph 7 of the Act when deciding on the application.
Public Access and Comment Rights
You can inspect the public portions of these bank-control applications at the Federal Reserve Bank listed (for example, Federal Reserve Bank of Atlanta, 1000 Peachtree Street NE, Atlanta, Georgia 30309) and at the Board of Governors. You may also request records via the Board's FOIA link (https://www.federalreserve.gov/foia/request.htm) and you can submit written comments on the applications by June 24, 2025.
Comments Will Be Publicly Disclosed
If you send comments about these applications, those comments are generally made public without change and may include personal or business contact or identifying information. Do not include confidential or sensitive information in your submission because comments are subject to public disclosure.
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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
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.
2026-13690 — Formations of, Acquisitions by, and Mergers of Bank Holding Companies
Some companies want to become bank holding companies or buy other banks, and the Federal Reserve is checking their applications. If you have thoughts, you can send comments by August 6, 2026. This affects banks in Oklahoma, Texas, and even a Canadian bank looking to expand in the U.S., with no big money changes announced yet.
2026-13689 — 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 a bank holding company, you need to tell the Federal Reserve first. They’re checking these requests carefully and want to hear from the public by July 22, 2026. This helps keep banks safe and fair while making sure everyone knows who’s in charge.
2026-13287 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
Some families and trusts want to buy shares in banks in Texas, 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 July 16, 2026, to speak up. This process helps keep bank ownership clear and protects everyone’s money.
2026-13067 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
Some folks want to buy more shares in banks or bank companies, and the Federal Reserve is checking their plans to keep things safe and fair. If you want to share your thoughts, you’ve got until July 14, 2026, to speak up! This process helps make sure big money moves in banks happen smoothly and openly.
2026-12697 — 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 on the up and up. If you want to share your thoughts, you’ve got until July 9, 2026, to speak up. This process helps keep banks safe and sound while letting new owners step in with the right approvals.
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