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Comment Period: Merger Transactions

AGENCY:

Federal Deposit Insurance Corporation.

ACTION:

Notice of proposed rulemaking.

SUMMARY:

The proposed rule would significantly modernize how bank mergers are reviewed under the Bank Merger Act by introducing clearer definitions, streamlined filing categories, and faster, more predictable processing timelines. The proposal reduces regulatory burden by creating de minimis transactions with deemed approval, expanding expedited processing for eligible institutions, shortening public comment periods, and clarifying when corporate reorganizations or “mergers in substance” apply. Overall, the rule aims to make merger reviews more consistent, timely, and aligned with today’s competitive banking environment.

DATES:

Comments must be received on or before November 23, 2026.

https://www.federalregister.gov/documents/2026/09/22/2026-19308/merger-transactions

  • November 23, 2026
  • Time: All Day