Data / Federal rules / 2026-19308
Merger Transactions
The Federal Deposit Insurance Corporation published this proposed rule in the Federal Register on September 22, 2026. Comments are due by November 23, 2026.
SpecStream is the live web data engine for teams and agents. It reads every rule and proposed rule in the Federal Register each morning, and this page is that reading. Name your industry once and new rules, comment deadlines and effective dates arrive in your sheet, CRM, Slack or agent as they are published.
What the agency says
The Federal Deposit Insurance Corporation (FDIC) is inviting comment on a proposed rule that would fundamentally reform important aspects of the FDIC's approach to processing and evaluating merger transactions subject to the Bank Merger Act (BMA). Notable reforms under the proposed rule would include: accounting for credit unions and centrally booked deposits in the initial competitive effects analysis; establishing a letter filing process with "deemed approval" for "de minimis merger transactions;" tailoring other merger filing requirements to reduce burden and processing times based on the size and risk profile of a merger transaction and the attributes of the acquiring and resulting institution; limiting and clarifying the FDIC's discretion to remove a filing from expedited processing; and codifying the FDIC's reformed approach to evaluating the statutory factors under the BMA. Collectively, the revisions under the proposed rule would improve the speed, certainty, and predictability of the FDIC's bank merger framework in a manner consistent with the BMA. In addition, the proposed rule would modernize the framework to better reflect the competitive environment of the U.S. banking industry, including by tailoring it to reflect the full range of merger transactions subject to FDIC review along with reforming or eliminating outdated provisions.
Key facts
- Document number
- 2026-19308
- Type
- Proposed rule
- Action
- Notice of proposed rulemaking
- Agency
- Federal Deposit Insurance Corporation
- Published
- September 22, 2026
- Comments due
- November 23, 2026
- Dates
- Comments must be received on or before November 23, 2026.
- Regulation ID (RIN)
- 3064-AG18
- Code of Federal Regulations
- 12 CFR 303; 12 CFR 314; 12 CFR 333
- Topics
- Administrative practice and procedure; Bank deposit insurance; Banks, banking; Reporting and recordkeeping requirements; Savings associations
- Pages
- 40
Other documents from the Federal Deposit Insurance Corporation
| Document | Type | Published |
|---|---|---|
| Extensions of Credit to Insiders 2026-20735 | Proposed rule | Oct 9 |
| Unsafe or Unsound Practices, Matters Requiring Attention; Correction 2026-19312 | Final rule | Sep 22 |
| State Bank Parity 2026-19310 | Proposed rule | Sep 22 |
| Expanded Examination Cycle for Certain Small Insured Depository Institutions and U.S. Branches and Agencies of Foreign Banks 2026-18766 | Final rule | Sep 14 |
| Reciprocal Deposits: Implementing the 21st Century ROAD to Housing Act 2026-17865 | Final rule | Sep 1 |
| Unsafe or Unsound Practices, Matters Requiring Attention 2026-17823 | Final rule | Sep 1 |
| Disclosure of Information; Extension of Comment Period 2026-17649 | Proposed rule | Aug 28 |
| Community Reinvestment Act Regulations 2026-16454 | Proposed rule | Aug 12 |
Everything from the Federal Deposit Insurance Corporation · Rules on administrative practice and procedure · Rules on bank deposit insurance · Rules on banks, banking · Published in September 2026
Read from the Federal Register API, last updated 2026-10-23. The document on federalregister.gov is the official record; dates and dockets can change through later corrections. Free to reuse with credit to SpecStream under CC BY 4.0.