Fed Reviews Notices of Bank Share Acquisitions and Control Changes
Published Date: 5/12/2026
Notice
Summary
If someone wants to buy a big chunk of a bank or a company that owns a bank, they have to tell the Federal Reserve first. People can check out these plans and share their thoughts by May 27, 2026. This keeps bank ownership clear and fair, making sure no surprises pop up with money or control changes.
Analyzed Economic Effects
2 provisions identified: 1 benefits, 0 costs, 1 mixed.
Public Access to Bank Change Filings
The public portions of applications to acquire large shares of a bank or bank holding company are available for immediate inspection at the Federal Reserve Bank(s) listed and at the Board of Governors' offices. You can also request the information on an expedited basis from the appropriate Federal Reserve Bank or via the Board's Freedom of Information Office at https://www.federalreserve.gov/foia/request.htm.
Public Comments Are Publicly Disclosed
Interested persons may submit written comments on the change-in-control applications, but comments must be received by May 27, 2026 at the Reserve Bank indicated or at the Board of Governors (Benjamin W. McDonough, Secretary of the Board, 20th Street and Constitution Avenue, NW, Washington, DC 20551-0001). Comments received will generally be made available to the public without change and will not be modified to remove personal or business information, so do not include confidential information you do not want disclosed.
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: 2026-09388, Qualification of Drivers; Exemption Applications; Hearing
The FMCSA is considering requests from 11 people who are hard of hearing or deaf to be allowed to drive big trucks across state lines without meeting the usual hearing rules. If approved, these drivers can work interstate, opening new job chances without extra costs or delays. You’ve got until June 11, 2026, to share your thoughts on this important change!
Next: 2026-09390, Formations of, Acquisitions by, and Mergers of Bank Holding Companies
Bank companies want to grow by forming new groups, buying other banks, or merging with them. If you’re involved with these banks or just curious, you can share your thoughts by June 11, 2026. These moves could change who controls local banks and might affect money and services in your community.