Fed Eyes Bank-ish Mergers: Public Input Sought by November
Published Date: 11/11/2025
Notice
Summary
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.
Analyzed Economic Effects
3 provisions identified: 3 benefits, 0 costs, 0 mixed.
New Data‑Processing Unit Proposed
Education Loan Finance, Inc. and its subsidiary Southeast Bancorp, Inc. filed notice to form a new wholly owned subsidiary called OpenETX in Farragut, Tennessee, to engage de novo in data processing activities nationwide under Regulation Y section 225.28(b)(14). The filing says these data processing activities would be conducted throughout the United States.
Credicorp Retains Securities to Continue Trading
Credicorp LTD., Hamilton, Bermuda, filed to retain voting shares of Credicorp Capital USA, Inc. and its subsidiaries and thereby continue engaging in riskless principal transactions under Regulation Y section 225.28(b)(7)(ii). The notice indicates these activities would be carried out throughout the United States.
Broadway Bancshares Seeks New Service Lines
Broadway Bancshares, Inc., Gilbert, Minnesota, filed to engage de novo nationwide in tax‑preparation services (Regulation Y section 225.28(b)(6)(vi)), management consulting (section 225.28(b)(9)(i)), and data processing activities (section 225.28(b)(14)). The notice states these activities would be conducted throughout the United States.
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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
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2026-09529 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
If you want to buy or control a bank or bank holding company, you need to tell the Federal Reserve and wait for approval. People affected include those trying to buy shares in banks like Grant County Bank or Cattlemens Bank. You’ve got until May 28, 2026, to send your comments, so don’t miss the deadline if you want to have your say!
2026-09389 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
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Previous / Next Documents
Previous: 2025-19855 — 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 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.
Next: 2025-19857 — New Postal Products
The Postal Service wants to add or change special deals for competitive mail services, and the Postal Regulatory Commission is asking the public to share their thoughts by November 17, 2025. These changes could affect businesses using these mail services and might impact pricing or options soon. It’s a chance to weigh in on how mail deals evolve!