Fed Eyes Bank Mergers and New Holding Company Applications
Published Date: 11/11/2025
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 December 12, 2025. This affects banks, their owners, and anyone interested in bank mergers or acquisitions, with no direct costs but important for the banking world’s future.
Analyzed Economic Effects
2 provisions identified: 0 benefits, 1 costs, 1 mixed.
Public comment period and disclosure
The Federal Reserve is accepting written comments on the listed bank holding company formation and acquisition applications until December 12, 2025. Comments are subject to public disclosure and will generally be made available without change, so you should not include confidential personal or business information in your submission.
Multiple bank control change applications listed
The notice lists companies that applied to become bank holding companies or to acquire or merge with banks (for example, UBS Group AG acquiring UBS Bank USA on conversion, Fifth Third Bancorp acquiring Comerica Incorporated, and several mutual-to-stock conversions). These applications could change which companies own or control the named banks; the Board is reviewing them and accepting comments through December 12, 2025.
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Key Dates
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Previous / Next Documents
Previous: 2025-19854 — Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company
Some folks want to buy more shares of a savings and loan company, Gouverneur Bancorp, which controls a local bank in New York. The Federal Reserve is checking their applications and wants the public to share thoughts by November 28, 2025. This process helps keep bank ownership clear and fair, with no surprises on who’s in charge or how money moves.
Next: 2025-19856 — Notice of Proposals To Engage in or To Acquire Companies Engaged in Permissible Nonbanking Activities
Some companies want to start or buy businesses that do activities related to banking but aren’t banks themselves. The Federal Reserve is checking these plans and asking the public to share their thoughts by November 28, 2025. This affects companies across the U.S. and could lead to new business moves that mix banking with other services.