Upcoming Bank Mergers: Fed Invites Your Two Cents

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.

2026-10376 — Regulation A: Extensions of Credit by Federal Reserve Banks

The Federal Reserve is proposing a rule that says if you have a special-purpose payment account, you can’t borrow money from the Fed’s discount window. This change won’t affect the usual borrowing programs or interest rates. If you want to share your thoughts, you have until July 27, 2026, to speak up!

2026-10377 — Regulation D: Reserve Requirements of Depository Institutions

The Federal Reserve is proposing a change to how it treats special-purpose payment accounts, called Payment Accounts, by not paying interest on the money held in them. This update affects banks with master accounts and these new Payment Accounts but won’t change reserve requirements, which stay at zero. If you want to share your thoughts, you have until July 27, 2026, to comment!

2026-10375 — Proposed Revisions to the Federal Reserve Policy on Payment System Risk and the Guidelines for Account and Services Requests

The Federal Reserve is updating its rules to create special Payment Accounts for certain payment activities and changing how banks request access to these accounts and other services. Banks labeled as Tier 3 should hold off on new account requests while these updates are finalized. Comments on these changes are open until July 27, 2026, and the updates aim to make payment systems safer and smoother without extra costs for most users.

2026-09890 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

If you want to buy or control shares in a bank or bank holding company, you need to tell the Federal Reserve first. They’re reviewing requests like the Mahar Family’s plan to keep control of their bank in North Dakota. If you want to share your thoughts, you’ve got until June 2, 2026, to speak up—so don’t miss the deadline!

2026-09891 — Notice of Proposals To Engage in or To Acquire Companies Engaged in Permissible Nonbanking Activities

Some companies want to start or buy businesses that do activities related to banking but aren’t banks themselves. The Federal Reserve is letting the public know and asking for comments by June 2, 2026. This helps keep banking safe and fair while allowing new business moves across the U.S.

Previous: 2026-04096 — Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company

Some folks want to buy shares of a savings and loan holding company, which means they could control a local bank. If you care about who runs your bank, you can check out their plans and share your thoughts by March 17, 2026. This process keeps bank ownership clear and fair, making sure everyone plays by the rules.

Next: 2026-04099 — Agency Information Collection Activities: Proposed Collection Renewal; Comment Request

The FDIC wants to renew its paperwork rules that businesses must follow when dealing with acquisition services. They’re asking the public and companies to share their thoughts by May 1, 2026. This renewal won’t add new costs but keeps things running smoothly for private businesses involved in these processes.