Fed Requests Input on Bank Closure Tracking Extension
Published Date: 11/17/2025
Notice
Summary
The Federal Reserve wants to keep collecting info about bank branch closures for three more years without changing the form. If you’re a bank or just interested, you can share your thoughts by January 16, 2026. This keeps things smooth and clear, with no new costs or surprises.
Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
FR 4031 Extended Three Years
The Federal Reserve proposes to extend the Notice of Branch Closure information collection (FR 4031, OMB No. 7100-0264) for three years, without revision. The proposal estimates 80 respondents and a total annual burden of 267 hours; comments are due by January 16, 2026.
Customers Must Be Notified of Closures
Under the collection, each insured depository institution must adopt a branch-closing policy and, when a branch is scheduled to close, notify both its appropriate regulator and its customers as required by section 42 of the Federal Deposit Insurance Act and interagency policy. The Board uses the FR 4031 filings to supervise state member banks; comments are due by January 16, 2026.
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Key Dates
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Previous / Next Documents
Previous: 2025-19932, Agency Information Collection Activities: Announcement of Board Approval Under Delegated Authority and Submission to OMB
The Federal Reserve is extending and updating rules that banks follow to keep records and share info about when your deposited money becomes available. These changes kick in on December 17, 2025, and affect banks and their customers by keeping things clear and timely. No big costs are expected, just smoother banking for everyone!
Next: 2025-19934, Agency Information Collection Activities: Announcement of Board Approval Under Delegated Authority and Submission to OMB
The Federal Reserve is keeping the rules for banks about loans on flood-prone properties the same for the next three years. This means banks must keep records and share info about these loans, but no new changes or costs are coming. If you’re a bank or lender, keep doing what you’ve been doing—nothing new to worry about, and the deadline to follow these rules is extended!