Fed Reviews Who Wants to Buy Bank Shares Next
Published Date: 2/25/2026
Notice
Summary
Some folks want to buy shares in banks or bank holding companies, and the Federal Reserve is checking their applications to make sure everything’s on the up and up. If you want to share your thoughts, you’ve got until March 12, 2026, to speak up. This process helps keep bank ownership clear and fair, with no surprises on who’s in control or how much money is involved.
Analyzed Economic Effects
4 provisions identified: 2 benefits, 1 costs, 1 mixed.
Public access to bank acquisition filings
You can inspect the public parts of applications to buy bank shares at the Federal Reserve Bank listed (for example, the New York Fed at 33 Liberty Street) and at the Board of Governors offices. You can also request these records on an expedited basis by contacting the indicated Reserve Bank or the Board’s Freedom of Information Office at https://www.federalreserve.gov/foia/request.htm.
Public comment opportunity and deadline
If you want to weigh in on a pending bank-control application, you may submit written comments on the legal standards cited in the Change in Bank Control Act. Comments about these applications must be received by the Reserve Bank listed or the Board of Governors by March 12, 2026.
Comments will be publicly disclosed
Comments sent to the Reserve Bank or Board will be made publicly available without change and may include personal or business contact information. The notice warns you not to include confidential information in your comments because it will generally be disclosed.
Specific ownership application: Capobianco family
The Josephine M. Capobicanco Irrevocable Gift Trust, Anthony M. Capobianco, and Sandra D. Capobianco (all of Glen Cove, NY) applied to join the Capobicanco Family Control Group to retain voting shares of American Community Bancorp, Inc., and thereby indirectly retain voting shares of American Community Bank. That application is listed for public inspection and comment.
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Key Dates
Related Federal Register Documents
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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
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