Fed Calls for Comments on Bank Ownership Shifts
Published Date: 12/23/2025
Notice
Summary
If you want to buy or control a bank or its holding company, you need to tell the Federal Reserve and wait for approval. People affected include anyone trying to buy big shares in banks, and the public can share their thoughts by January 7, 2026. This keeps bank ownership clear and fair, with no surprises on who’s in charge or when changes happen.
Analyzed Economic Effects
4 provisions identified: 2 benefits, 2 costs, 0 mixed.
Must Notify Fed Before Buying Bank Control
If you want to buy or control a bank or a bank holding company, you must apply under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Section 225.41 of Regulation Y and notify the Federal Reserve and await the Board's action before completing the acquisition.
Comments Are Publicly Disclosed
Comments received on these applications are subject to public disclosure and generally will be made available without change, so you should not include confidential personal or business information in your submission.
Public Can Comment on Bank Control Applications
Members of the public may submit written comments on the Change in Bank Control applications; comments regarding these listed applications must be received by January 7, 2026 at the indicated Federal Reserve Bank or the Board of Governors.
Applications Available for Public Inspection
The public portions of the applications and related filings are available for inspection at the Federal Reserve Banks indicated and at the Board of Governors, and may be obtained on an expedited basis by contacting the appropriate Reserve Bank or the Board's Freedom of Information Office.
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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
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: 2025-23714 — Notice of Agreements Filed
Big shipping companies like CMA CGM, COSCO, Maersk, and others are teaming up to share space on their ships and expand routes to new places like France and Canada. These changes kick in early 2026 and could make shipping smoother and more connected between the U.S., Australia, and more. If you’re interested, you’ve got about a week or two to share your thoughts with the government before these deals get rolling!
Next: 2025-23716 — Adamas Amenity Services LLC, et al.; Analysis of Agreement Containing Consent Order To Aid Public Comment
Adamas Amenity Services and others are facing claims for unfair business practices, and they’ve agreed to stop these actions through a new deal. The public can review the agreement and share their thoughts by January 22, 2026. This means changes for the companies involved, with no direct costs mentioned, but a clear push for fair competition.