Fed Eyes Family Bank Buyouts for Safety
Published Date: 6/9/2025
Notice
Summary
Families and groups wanting to buy or keep big chunks of banks must tell the Federal Reserve and wait for approval. The public can check these plans and share their thoughts by June 24, 2025. This keeps bank ownership clear and fair, making sure no surprises pop up with who controls the money.
Analyzed Economic Effects
3 provisions identified: 1 benefits, 2 costs, 0 mixed.
Must File Change-in-Control Notice
If you or a family/group want to acquire or retain voting shares of a bank or bank holding company, you apply to the Federal Reserve under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Regulation Y Sec. 225.41. The Board will consider the factors listed in paragraph 7 of the Act when deciding on the application.
Public Access and Comment Rights
You can inspect the public portions of these bank-control applications at the Federal Reserve Bank listed (for example, Federal Reserve Bank of Atlanta, 1000 Peachtree Street NE, Atlanta, Georgia 30309) and at the Board of Governors. You may also request records via the Board's FOIA link (https://www.federalreserve.gov/foia/request.htm) and you can submit written comments on the applications by June 24, 2025.
Comments Will Be Publicly Disclosed
If you send comments about these applications, those comments are generally made public without change and may include personal or business contact or identifying information. Do not include confidential or sensitive information in your submission because comments are subject to public disclosure.
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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.
2026-06545 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
If you want to buy or keep a big chunk of a bank or its parent company, you need to tell the Federal Reserve and wait for their thumbs-up. People who want to make these moves must share info publicly and accept comments until April 20, 2026. This keeps bank ownership clear and fair, so everyone knows who’s in charge and when changes happen.
2026-06101 — 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 April 29, 2026. This process affects banks, investors, and the public, making sure big bank moves are safe and fair.
2026-05961 — Regulatory Capital Rule (Regulation Q): Risk-Based Capital Surcharges for Global Systemically Important Bank Holding Companies; Systemic Risk Report (FR Y-15)
Big banks that matter most to the U.S. economy will see changes in how their risk-based capital surcharges are calculated. The new rules tweak formulas, smooth out data bumps, and update reports to better match real-world risks, with adjustments for growth and inflation each year. These updates aim to keep our financial system safer, and banks need to get ready by June 18, 2026, to share their thoughts.
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.
2026-05993 — Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company
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.
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