Fed Eyes Bank Ownership Shifts for Approval
Published Date: 3/27/2026
Notice
Summary
If someone wants to buy or control shares in a bank or bank holding company, they have to tell the Federal Reserve first. People can check these plans and share their thoughts by April 13, 2026. This keeps bank ownership clear and fair, making sure big money moves get a thumbs-up from the government.
Analyzed Economic Effects
2 provisions identified: 0 benefits, 1 costs, 1 mixed.
Must Notify Fed Before Buying Bank Control
If you want to buy or control voting shares of a bank or 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 (12 CFR 225.41). The Federal Reserve will consider the factors listed in paragraph 7 of the Act when deciding on those applications.
Public Filings Open; Comments Publicly Disclosed
The public portions of these bank-control applications are available for inspection at the listed Federal Reserve Bank(s) and at the Board of Governors, and you may request related material via the Board's FOIA page. Interested persons may submit written comments on these applications, and comments must be received by April 13, 2026; comments are subject to public disclosure and generally will be made available without change.
Personalized for You
How does this regulation affect your finances?
Personalize government policy and PRIA will tell you what this federal register document means for your household, plus every other regulation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
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: 2026-05992, Argent LNG, LLC; Application for Long-Term Authorization To Export Liquefied Natural Gas to Non-Free Trade Agreement Nations
Argent LNG, LLC wants permission to export a huge amount of liquefied natural gas (LNG) from a new terminal in Louisiana to countries without free trade deals. This could boost U.S. energy sales and impact global markets. People and companies interested have until May 26, 2026, to share their thoughts or objections.
Next: 2026-05995, Information Collection Being Reviewed by the Federal Communications Commission
The FCC is checking in on some paperwork rules to make sure they’re useful and not too much work, especially for small businesses and local governments. They want your thoughts on how to improve the process and reduce hassle. If you have ideas, send them in by May 26, 2026—this helps keep things fair and smooth for everyone involved.