Regulatory Alerts2025-07-03 | 2025-12493Statement of Policy on Bank Merger Transactions
The Federal Deposit Insurance Corporation (FDIC) has rescinded its 2024 Statement of Policy and reinstated its longstanding Bank Merger Statement of Policy, effective August 4, 2025. This action addresses concerns that the 2024 framework introduced excessive uncertainty and subjectivity by restoring predictable competitive analysis using Herfindahl-Hirschman Index thresholds and clear community benefit criteria. The reinstated policy will operate as an interim measure while the agency develops a comprehensive proposal to modernize its merger review process.
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