Federal Reserve Seeks Comments on Bank Ownership Notices
Published Date: 11/9/2026
Notice
Summary
If you're planning to buy or keep big shares in a bank or bank holding company, you need to tell the Federal Reserve. They check these deals to keep banks safe and sound. If you want to share your thoughts, you have until November 24, 2026, to speak up—so don’t miss the deadline!
Analyzed Economic Effects
3 provisions identified: 1 benefits, 1 costs, 1 mixed.
Must notify Fed before buying or keeping big bank shares
If you plan to acquire or retain control-size voting shares of a bank or a bank holding company, you must file a notice under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Regulation Y (12 CFR 225.41) with the Federal Reserve. The Board will consider the factors in 12 U.S.C. 1817(j)(7) when acting on applications.
Public can inspect filings and comment by Nov 24, 2026
The public portions of these applications are available for inspection at the Federal Reserve Banks and the Board of Governors, and interested persons may submit written comments on the applications. Comments for the listed applications must be received by the indicated Reserve Bank or the Board of Governors no later than November 24, 2026, and comments are subject to public disclosure.
Specific application: retention of Baker Boyer Bancorp shares
James M. Edmunds (Seattle, WA), Megan F. Clubb and Clifford W. Kontos (both of Walla Walla, WA), acting as a group, have applied to retain voting shares of Baker Boyer Bancorp and thereby indirectly retain voting shares of Baker Boyer National Bank in Walla Walla, Washington. The public may inspect related filings and submit comments by November 24, 2026.
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.
2025-21625, 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.
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.
2026-22716, Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
If you're planning to buy shares in a bank or a bank holding company, you need to let the Federal Reserve know. They review these changes to keep banks safe and sound. Comments on these deals must be sent by November 23, 2026, so don’t miss your chance to speak up!
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!
Previous / Next Documents
Previous: 2026-22825, Crystalline Silicon Photovoltaic Cells, Whether or Not Assembled Into Modules, From the Lao People's Democratic Republic: Amended Final Determination of Sales at Less Than Fair Value; Crystalline Silicon Photovoltaic Cells, Whether or Not Assembled Into Modules, From India, Indonesia, and the Lao People's Democratic Republic: Antidumping Duty Orders
The U.S. government is putting special taxes on solar cells from India, Indonesia, and Laos because they were found to be sold at unfairly low prices. They also fixed a small math mistake in the Laos case. These changes start on November 9, 2026, and will affect companies importing these solar products, making sure American businesses get a fair shake.
Next: 2026-22828, Sunshine Act Meeting
The Consumer Product Safety Commission is holding an open, online meeting on November 18, 2026, to discuss their plans and priorities for 2027 and 2028. This affects anyone interested in product safety and how the Commission will spend its budget and focus its efforts. It’s a chance to see what’s coming next and how they’ll protect consumers.