Fed Checks Who Wants to Buy Your Local Bank Shares
Published Date: 12/10/2025
Notice
Summary
Some folks want to buy shares in banks or bank companies, and the Federal Reserve is checking their applications to make sure everything’s fair and safe. If you want to share your thoughts, you’ve got until December 26, 2025, to speak up. This process helps keep banks strong and protects your money!
Analyzed Economic Effects
4 provisions identified: 2 benefits, 1 costs, 1 mixed.
Public comment deadline December 26, 2025
You can send written comments about the listed bank-share acquisition applications to the indicated Federal Reserve Bank or to the Board of Governors. Comments must be received not later than December 26, 2025, and may be submitted to the Federal Reserve Bank of Kansas City or to Benjamin W. McDonough at the Board in Washington, DC.
Comments will be publicly disclosed
If you submit a comment, it will generally be made public without change and may include personal or business contact information. The notice warns commenters not to include confidential information because comments received are subject to public disclosure.
Application files available for inspection
The public portions of the applications and related filings are available for immediate inspection at the listed Federal Reserve Bank(s) and at the Board of Governors. You can also request the information via the Board's Freedom of Information Office and may request expedited access by contacting the appropriate Federal Reserve Bank.
Langley group seeks to retain bank voting shares
The Michael P. Langley Directed Trusts and named individuals, together with AMG National Trust Bank as trustees and advisors, have applied to become members of the James W. Langley Family Control Group to retain voting shares of Citizens Investment Company and thereby indirectly retain voting shares of North Valley Bank of Thornton, Colorado. This filing is under the Change in Bank Control Act and Regulation Y.
Personalized for You
How does this regulation affect your finances?
Personalize government policy and PRIA will tell you what this federal register document means for your household, plus every other regulation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
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: 2025-22443, Agency Information Collection Activities: Proposed Collection: Public Comment Request; Information Collection Request Title: Health Resources and Services Administration Uniform Data System
HRSA is asking for public feedback on updates to the Uniform Data System, which helps nearly 1,400 health centers report important info about the care they provide to over 32 million people. These changes aim to keep data collection smooth and useful without adding extra hassle. Comments are due by February 9, 2026, so now’s the time to weigh in!
Next: 2025-22447, Sunshine Act Meetings
The U.S. Postal Service Board of Governors held a special, closed meeting on December 5, 2025, to discuss pay and internal rules. This meeting wasn’t open to the public because it involved sensitive topics, and they couldn’t announce it earlier. If you work with or watch the Postal Service, this shows they’re handling important decisions behind the scenes, but no new costs or deadlines were announced.