Fed Says: Want to Buy a Bank? Wait for Our Okay First
Published Date: 12/16/2025
Notice
Summary
If you want to buy or control shares in a bank or bank holding company, you need to tell the Federal Reserve and get approval. People affected include anyone trying to take over or keep control of bank shares. You’ve got until December 31, 2025, to send in your comments, so don’t wait—this process keeps banks safe and sound!
Analyzed Economic Effects
2 provisions identified: 0 benefits, 2 costs, 0 mixed.
Must notify Fed before buying bank control
If you want to buy or keep control of shares in a bank or a bank holding company, you must file a notice with the Federal Reserve and obtain its approval under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Regulation Y (12 CFR 225.41). This applies to anyone trying to acquire or retain control of bank voting shares.
Public comments are disclosed; deadline Dec 31, 2025
People who comment on these bank-control applications should know that comments are subject to public disclosure and will generally be made available without change. Comments must be received at the listed Reserve Bank or the Board of Governors by December 31, 2025, and public portions of the applications are available for inspection at the indicated Federal Reserve Bank(s) and the Board offices or via the Board's FOIA request webpage.
Your PRIA Score
Personalized for You
How does this regulation affect your finances?
Sign up for a PRIA Policy Scan to see your personalized alignment score for this federal register document and every other regulation we track. We analyze your financial profile against policy provisions 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.
2026-11522 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
If you or your family want to buy or control shares in a bank or bank holding company, you need to tell the Federal Reserve and wait for approval. The Federal Reserve reviews these requests carefully and invites the public to share their thoughts by June 24, 2026. This keeps bank ownership clear and fair, making sure big money moves get the green light before they happen.
2026-11523 — Formations of, Acquisitions by, and Mergers of Bank Holding Companies
Some companies want to become bank holding companies or merge with others, which means they’ll control banks or other financial businesses. If you want to share your thoughts, you’ve got until July 9, 2026, to send comments. These changes could shake up local banking, so keep an eye on who’s joining forces and when!
2026-11448 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
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 June 23, 2026, to speak up! This process helps keep banks strong and protects everyone’s money.
2026-11355 — Formations of, Acquisitions by, and Mergers of Bank Holding Companies
Mascoma Mutual Financial Services from New Hampshire is merging with Androscoggin Bancorp in Maine and will also take over Portland Trust Company to offer trust services. This means bigger banking options and new services for customers in these areas. The Federal Reserve fixed a previous notice to make sure everyone knows the details clearly.
2026-11100 — Formations of, Acquisitions by, and Mergers of Bank Holding Companies
Bank companies want to grow by forming new groups, buying other banks, or merging with them. If you’re involved with these companies, you can share your thoughts by July 3, 2026. These moves could change who controls local banks and might affect money and services in your community.
Previous / Next Documents
Previous: 2025-22970 — Agency Information Collection Activities; Extension of Collection; Comment Request; Publicly Available Consumer Product Safety Information Database
The Consumer Product Safety Commission is asking for your thoughts on keeping their public product safety database going. This affects businesses and consumers who rely on product safety info, with no new costs but a deadline to comment by February 17, 2026. They want to make sure the info collection stays helpful and easy to use for everyone.
Next: 2025-22972 — 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 want to share your thoughts, you have until January 15, 2026, to send comments. This process affects banks and their owners and helps keep banking safe and fair.