Introduction - Filing Types

Applications and notices are required to be filed with the Federal Reserve by state member banks (SMB), bank holding companies (BHC), financial holding companies (FHC), savings and loan holding companies (SLHC), foreign banking organizations and certain entities subject to Federal Reserve supervision and certain banking entities before or after engaging in a variety of transactions and activities. Additionally, individuals may be required to file notice to acquire a controlling interest in these organizations or engage in certain banking-related activities. Each section below describes typical filing requirements related to each filing type, including required information, processing timeframes, and decision factors. Information for other filing types will be added when available. Many filings can be submitted via forms, which are available on the Board’s website. In the course of reviewing a filing, the Federal Reserve may, as appropriate, request additional information from the filer to enable the Federal Reserve to evaluate the proposal in accordance with the relevant statutory and regulatory factors. The timeframes represent the normal processing period. However, the processing period may be extended in certain cases. Prior to submitting an application or notice, filers are encouraged to contact the appropriate Reserve Bank to discuss their proposal.

Although the information below provides a general description of qualifying criteria or statutory factors for each filing type. Furthermore, any reference to related laws, regulations, or System policy statements are intended as a source of additional information and are not to be construed as a position of the Board of Governors of the Federal Reserve System or individual Reserve Banks, or as legal advice.

BANK HOLDING COMPANY

• Formation/Expansion
• Section 3 Waiver Request/Section 4 Thrift Acquisition Waiver Request
• Nonbank Activities

SAVINGS AND LOAN HOLDING COMPANY

• Formation/Expansion
• Waiver Request
• Reorganization Exemption Request
• Deregistration
• Permissible Activities

MUTUAL HOLDING COMPANY

• Mutual Holding Company Reorganization
• Formation of Subsidiary Holding Company
• Minority Stock Issuance
• Full Mutual to Stock Conversion with Holding Company Formation
• Second Step Mutual to Stock Conversion
• Charter/Bylaw Amendments
• Mutual Holding Company Dividend Waiver

OTHER DOMESTIC

• Financial Holding Company Election
• Financial Activities Filings/Treatment as Financial Holding Company
• Notice of Addition or Change in Directors or Senior Officers
• Notice of Change in Control

STATE MEMBER BANK

• Merger
• Bank Service Company
• Domestic Branches
• Membership
• Investment in Premises
• Financial Subsidiary
• Branch Closing, Relocation or Consolidation

INTERNATIONAL OPERATIONS OF U.S. BANKING ORGANIZATIONS

• Edge Corporation to Amend Articles of Association
• Establishing Edge or Agreement Corporations
• Edge Corporation Change in Control
• U.S. Banking Organization – Permissible Activities Overseas
• U.S. Banking Organization – Establishing Foreign Branches
• U.S. Banking Organization – Activities and Investments of Foreign Branches of Member Banks
• U.S. Banking Organization – Investment in A Foreign Company
• Export Trading Companies

FOREIGN BANKING ORGANIZATIONS

• Foreign Banking Organization – Change of Home State
• Foreign Banking Organization – Establishing A U.S. Branch, Agency, Commercial Lending Company, Or Representative Office

DETERMINATIONS

• Various Statutes and Regulations