# 2025-12493: FDIC Rolls Back Bank Merger Guidelines Quickly

2025-12493, Statement of Policy on Bank Merger Transactions, is a Federal Register rule from Federal Deposit Insurance Corporation published 2025-07-03 (as of 2026-06-11).

- Canonical: https://policyrisk.com/federal-register/2025-12493
- As of: 2026-06-11
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2025-12493
- Title: Statement of Policy on Bank Merger Transactions
- Type: Rule
- Agencies: Federal Deposit Insurance Corporation
- Citation: 90 FR 29413
- Published: 2025-07-03
- Effective: unknown
- Comments close: not stated
- Significant: no
- Touches household money: no
- Regulation identifier numbers: 3064-ZA45
- Last updated: 2026-06-11

## In one line

FDIC Rolls Back Bank Merger Guidelines Quickly

## Summary

The FDIC is rolling back its 2024 bank merger rules and bringing back the old ones for now. This affects banks planning to merge, giving them familiar ground while the FDIC reviews and plans bigger changes. No immediate money impact, but banks should watch for future updates!

## Abstract

The FDIC is taking final action to rescind the Statement of Policy on Bank Merger Transactions published in 2024 (2024 Statement of Policy) and reinstate its Statement of Policy on Bank Merger Transactions that was in effect prior to the 2024 Statement of Policy (Bank Merger Statement of Policy). The reinstated Bank Merger Statement of Policy will remain in effect pending the FDIC's review of all aspects of the regulatory framework governing the FDIC's review of merger transactions in connection with a future proposal to comprehensively revise its merger policy.

## Effects PRIA read

No economic effects identified for this document.

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## Sources
- [2025-12493 on federalregister.gov](https://www.federalregister.gov/documents/2025/07/03/2025-12493/statement-of-policy-on-bank-merger-transactions)
- [2025-12493 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2025-07-03/pdf/2025-12493.pdf)

## Related
- [Previous: 2025-12486, Safety Zone; Lakeshore State Park, Milwaukee, WI](https://policyrisk.com/federal-register/2025-12486)
- [Next: 2025-12494, Civil Monetary Penalties Inflation Adjustments for 2025](https://policyrisk.com/federal-register/2025-12494)
- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2025-12493 (as of 2026-06-11).