Legal Update – FDIC Proposes to Modernize Processing and Evaluation of Bank Mergers, and Promote Parity for State Banks and National Banks Providing Services Out-of-State

September 25, 2026

To our clients and friends:

On September 17, 2026, the Federal Deposit Insurance Corporation issued a notice of proposed rulemaking on merger transactions to fundamentally reform the FDIC’s framework for processing and evaluating merger transactions under the Bank Merger Act and a second proposed rule on State bank parity to establish parity between out-of-state State banks and national banks regarding the application of host State laws. Our Legal Update on this proposal can be found here.

Luse Gorman, PC regularly advises financial institutions on regulatory and compliance developments of, supervisory relationships with, enforcement actions from, and licensing applications to, the federal banking and credit union regulatory agencies. If you have any questions related to this Legal Update, please reach out to your Luse Gorman contact. To learn more about our firm and services, please visit our website.

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Luse Gorman Strengthens Chicago Presence with Addition of Abdul Mitha

August 28, 2026

To our clients and friends:

Luse Gorman is pleased to announce that Abdul Mitha has joined the law firm as Partner and Midwest Leader. Based in Chicago, Mr. Mitha represents Luse Gorman’s first attorney residing in the Midwest, enhancing the firm’s ability to serve its long-standing client base throughout one of the nation’s most active banking markets. Our announcement can be found here.

To learn more about our firm and services, please visit our website.

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Legal Update – FRB Proposes Changes to MHC and Capital Regulations

August 11, 2026

To our clients and friends:

On July 31, 2026, the Federal Reserve Board issued a notice of proposed rulemaking that would make sweeping changes to its rule governing mutual holding companies (Regulation MM) and its capital rule (Regulation Q) to provide capital treatment for mutual capital certificates and special deposits issued by mutual institutions. It represents the most significant proposed revisions to these regulations in 15 years. Our Legal Update on this proposal can be found here.

Luse Gorman, PC regularly advises financial institutions on regulatory and compliance developments of, supervisory relationships with, enforcement actions from, and licensing applications to, the federal banking and credit union regulatory agencies. If you have any questions related to this Legal Update, please reach out to your usual firm contact.

To learn more about our firm and services, please visit our website.

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Legal Update – FDIC Proposal to Permit CSI Disclosure in M&A

July 28, 2026

To our clients and friends:

On June 30, 2026, the Federal Deposit Insurance Corporation (the “FDIC”) issued a notice of proposed rulemaking that would permit insured depository institutions that are state non-member banks to disclose confidential supervisory information with potential merger or acquisition partners without first obtaining FDIC authorization. Our Legal Update on this proposal can be found here.

Luse Gorman, PC regularly advises financial institutions on regulatory and compliance developments of, supervisory relationships with, enforcement actions from, and licensing applications to, the federal banking and credit union regulatory agencies. If you have any questions related to this Legal Update, please reach out to your usual firm contact.

To learn more about our firm and services, please visit our website.

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