Federal Reserve Reviews Another Round of Bank Ownership Changes
Published Date: 11/5/2026
Notice
Summary
Some companies want to become bank holding companies or merge with others to control banks and their assets. If you’re involved in banking or investing, these changes could affect who runs certain banks and how they operate. You’ve got until December 7, 2026, to share your thoughts before the Federal Reserve makes a decision.
No Economic Impacts Identified for this Document
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
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.
2026-21841, Proposed Agency Information Collection Activities; Comment Request
The Treasury, Federal Reserve, and FDIC want your thoughts on updating a key financial report called the Call Report, which banks fill out to show their health. These updates tie into a new housing law and will last for three more years. If you’re involved with banks or finance, you’ve got until December 28, 2026, to share your feedback—no extra costs, just your voice!
2026-21894, Formations of, Acquisitions by, and Mergers of Bank Holding Companies
Some companies want to become bank holding companies or buy banks and related businesses. The Federal Reserve is checking their applications and wants your thoughts by November 27, 2026. If approved, these moves could change who controls certain banks and how they operate across the U.S., but no big money changes are announced yet.
Previous / Next Documents
Previous: 2026-22598, Bureau of Industry and Security
Rossiya Airlines from Russia is temporarily banned from exporting certain goods because they’ve repeatedly broken export rules. This ban, first started in 2022, has been renewed again to keep stopping possible future violations. If you’re involved in trade with Rossiya Airlines, this means no exports for now, and the ban could affect business plans and money flow.
Next: 2026-22602, Music Streaming Fraud
The U.S. Copyright Office is tackling music streaming fraud by asking the public for their thoughts and extending the deadline to December 18, 2026, for initial comments and January 29, 2027, for replies. This affects musicians, streaming services, and fans who want fair play in music royalties. The goal is to gather enough info to stop cheating and protect everyone’s money and rights.