Fed Reviews Mundane Bank Holding Company Applications
Published Date: 7/1/2025
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 July 31, 2025. This affects banks, their owners, and the public by making sure these big moves follow the rules and keep things safe.
Analyzed Economic Effects
3 provisions identified: 2 benefits, 0 costs, 1 mixed.
Public comment period and deadline
You can send written comments about these bank holding company applications to the Federal Reserve. Comments must be received at the Reserve Bank indicated or at the Board of Governors (Ann E. Misback, Secretary, 20th Street and Constitution Avenue NW, Washington, DC 20551-0001) no later than July 31, 2025; comments are subject to public disclosure.
Public access to application materials
The public portions of these applications are available for immediate inspection at the Federal Reserve Bank(s) named in the notice and at the Board of Governors. You can also request the materials (including expedited requests) from the appropriate Federal Reserve Bank or via the Board's Freedom of Information Office at https://www.federalreserve.gov/foia/request.htm.
Specific acquisition application under review
The Reisher Family Foundation has applied to acquire voting shares of FirstBank Holding Company and thereby indirectly acquire voting shares of FirstBank, both of Lakewood, Colorado. This application to the Board of Governors is listed for public inspection and is open for comments by July 31, 2025 at the Federal Reserve Bank of Kansas City or the Board of Governors.
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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.
2026-15774, 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: 2025-12251, 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 and wait for approval. People affected include anyone trying to take over or increase their stake in a bank. You’ve got until July 16, 2025, to send your comments, so don’t miss the deadline if you want your voice heard!
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Valero’s affiliate, The Premcor Refining Group, wants to start making sustainable aviation fuel at their Port Arthur, Texas site under special Foreign-Trade Zone rules. This means they could save on import taxes for this eco-friendly fuel, helping boost green energy production. Public comments are open until August 11, 2025, so folks have a chance to weigh in before it’s official.