Bank Applications

Federal Reserve Applications The CRA is only enforced in connection with banks' merger and expansion applications. How do you know when a bank has an application pending with a banking regulators? In the age of the Internet, this has become easier to find out since each federal regulator now posts their list of pending (or just-filed) applications on their Web sites.

Needless to say some regulators do a better job than others and none of them are perfect.

The Federal Reserve keeps old applications on the list, making it hard to search for the most recently filed applications.  Its main application page is updated every Friday; the midweek updates can be reached from the same page.

The OTS had a Significant Applications page which was helpful, even though some "significant applications" weren't on the list. You now have to go through the regular applications page.

The biggest flaw of the OCC application page is that you have to search state by state. With the mega-bank holding companies, it's not always clear which of their national banks (which can be headquartered in various states) is the formal applicant.

The FDIC's application page is the newest.They lagged behind the other agencies in making applications available electronically. Hopefully they've learned from the other's mistakes.

Most state bank regulators don't have a weekly bulletin of application on the Internet, and that's a shame... However, you can get to the web pages of state banking regulators by clicking the state button on their page.

OTS Applications
OCC Applications
FDIC Applications
State Bank Regulators

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