Proposed Rules - Vol. 87, No. 62 - Request for Information and Comment on Bank Merger Transactions

Sep 4, 2026

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Proposed rules in the Federal Register present a Federal Deposit Insurance Corporation (FDIC) request for information and public comment on the regulatory framework governing bank merger transactions involving one or more insured depository institutions. The notice seeks input on how existing laws, practices, rules, regulations, guidance, and policy statements apply, and on the framework’s effectiveness in meeting the Bank Merger Act’s requirements, including section 18(c). Comments are due May 31, 2022 and must be submitted via the specified FDIC channels.

LanguageEnglish

CategoryResearch & Report

FormatPDF

Pages5

Reading Time13 min

AccessFree to download

Proposed Rules

Request for Information and Comment on Bank Merger Transactions

Summary, Dates, and Submission Instructions

Background Information

Consolidation in the Banking Sector

Proposed Rules Federal Register Vol. 87, No. 62 Thursday, March 31, 2022 This section of the FEDERAL REGISTER contains notices to the public of the proposed issuance of rules and regulations. The purpose of these notices is to give interested persons an opportunity to participate in the rule making prior to the adoption of the final rules. FEDERAL DEPOSIT INSURANCE CORPORATION 12 CFR Part 303 RIN 3064–ZA31 Request for Information and Comment on Rules, Regulations, Guidance, and Statements of Policy Regarding Bank Merger Transactions AGENCY: Federal Deposit Insurance Corporation (FDIC) . ACTION: Request for information and comment. SUMMARY: The FDIC is soliciting comments from interested parties regarding the application of the laws, practices, rules, regulations, guidance, and statements of policy (together, regulatory framework) that apply to merger transactions involving one or more insured depository institution, including the merger between an insured depository institution and anoninsured institution. The FDIC is interested in receiving comments regarding the effectiveness of the existing framework in meeting the requirements of section 18(c) of the Federal Deposit Insurance Act (known as the Bank Merger Act) . DATES: Comments must be received by May 31, 2022. ADDRESSES: Commenters are encouraged to use the title ‘‘Request for Comment on Rules, Regulations, Guidance, and Statement of Policy on Bank Merger Transactions (RIN 3064–ZA31)’’ and to identify the number of the specific question(s) for comment to which they are responding. Please send comments by one method only directed to: • Agency Website: [https://](https://)[ ](https://)[www.fdic.gov/resources/regulations/](www.fdic.gov/resources/regulations/)[ ](www.fdic.gov/resources/regulations/)[federal-register-publications/.](federal-register-publications/. Follow)[ Follow](federal-register-publications/. Follow)[ ](federal-register-publications/. Follow)the instructions for submitting comments on the agency’s website. • [Email: Comments@fdic.gov.](Email: Comments@fdic.gov. Include)[ Include](Email: Comments@fdic.gov. Include)[ ](Email: Comments@fdic.gov. Include)RIN 3064–ZA31 in the subject line of the message. • Mail: James P. Sheesley, Assistant Executive Secretary, Attention: Comments—RIN 3064–ZA31, Federal Deposit Insurance Corporation, 550 17th Street NW, Washington, DC 20429. • Hand Delivery/Courier: Comments may be hand-delivered to the guard station at the rear of the 550 17th Street NW building (located on F Street NW) on business days between 7:00 a.m. and 5:00 p.m. ET. Public Inspection: All comments received will be posted without change to [https://www.fdic.gov/resources/](https://www.fdic.gov/resources/)[ ](https://www.fdic.gov/resources/)[regulations/federal-register-](regulations/federal-register-)publications/—including any personal information provided—for public inspection. Paper copies of public comments may be ordered from the FDIC Public Information Center, 3501 North Fairfax Drive, Room E–1002, Arlington, VA 22226, or by telephone at 877–275–3342 or 703–562–2200. FOR FURTHER INFORMATION CONTACT: RaeAnn Miller, Senior Deputy Director, Supervisory Examinations and Policy, Division of Risk Management Supervision, 202–898–3898, rmiller@ [fdic.gov](fdic.gov); or Ashby G. Hilsman, Assistant General Counsel, Bank Activities and Regional Affairs Section, Supervision, Legislation and Enforcement Branch, Legal Division, 202–898–6636, [ahilsman@fdic.gov](ahilsman@fdic.gov). SUPPLEMENTARY INFORMATION: Background Information Significant changes over the past several decades in the banking industry and financial system necessitate areview of the regulatory framework that applies to bank merger transactions involving one or more insured depository institutions pursuant to the Bank Merger Act.1 First, more than three decades of consolidation and growth in the banking industry have significantly reduced the number of

FAQs

What is the FDIC requesting in this proposed rules notice?

The FDIC solicits public comments and information regarding the rules, regulations, guidance, and policy statements that apply to bank merger transactions involving insured depository institutions.

What is the key focus of the comments being requested?

Comments are sought on the effectiveness of the existing regulatory framework in meeting the requirements of section 18(c) of the Bank Merger Act (the Bank Merger Act known as the Bank Merger Act).

When are comments due and how should they be submitted?

Comments must be received by May 31, 2022. Submissions should follow the FDIC instructions for the agency website or use the provided email or mailing addresses, with the specified RIN 3064–ZA31 referenced in the subject line.

Sep 4, 2026

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