79136 Apr 2026

: The policy places greater emphasis on how a merger might affect the stability of the U.S. banking system as a whole. Statement of Policy on Bank Merger Transactions

: Under the Bank Merger Act, the FDIC is barred from approving any merger that results in a monopoly or substantially restrains trade. : The policy places greater emphasis on how

The number refers to a specific page of the Federal Register (89 FR 79136) published in late 2024, which contains the FDIC's Final Statement of Policy on Bank Merger Transactions . The number refers to a specific page of

This policy update significantly changed how the FDIC evaluates bank mergers, specifically regarding: : The policy places greater emphasis on how

: The FDIC now explicitly states that its analysis is informed by the Department of Justice's (DOJ) approach to evaluating how a merger might lessen competition.