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.
2026-15774, 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: 2025-23714, 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.