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
2026-08298, Regulatory Capital Rule: Community Bank Leverage Ratio Framework
Starting July 1, 2026, community banks get a break! The minimum leverage ratio drops from 9% to 8%, making it easier for smaller banks to meet rules. Plus, banks can now stay in this easier framework longer—up to four straight quarters instead of two—helping them manage their money better without rushing.
2026-05960, Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets
Big banks and community banks are getting new rules to better measure the risks in their loans and investments. The changes update how banks count certain assets and income when figuring out their safety net money, called regulatory capital. These updates aim to make banks safer and smarter with their money, with some rules kicking in soon and affecting how much capital banks need to hold.
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.
2025-21625, Regulatory Capital Rule: Revisions to the Community Bank Leverage Ratio Framework
The government wants to make it easier for small banks to stay in a special low-risk capital program by lowering the required leverage ratio from 9% to 8%. They’re also giving banks more time—up to four quarters instead of two—to fix any issues without losing their spot. Banks and bank holding companies should weigh in by January 30, 2026, as these changes could save them money and reduce red tape.
2026-20668, Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
If you want to buy shares in a bank or bank holding company, you need to tell the Federal Reserve first. They check to make sure everything’s fair and safe before you can take control. If you’re interested, you have until October 23, 2026, to share your thoughts or concerns about these deals.
2026-20509, Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks: Bank Holding Companies
The Federal Reserve is updating rules about loans to bank insiders like executives and big shareholders to make things clearer and fairer. They’re giving everyone more time—until November 4, 2026—to share their thoughts on these changes. This affects banks and their top people, aiming to boost transparency and keep things running smoothly.
Previous / Next Documents
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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.