Supervision & Regulation
Filing an Application
E-Apps is a web-based application that will allow banking organizations supervised by the Federal Reserve System to submit applications online, either directly or through their authorized representatives. For filings that are submitted via E-Apps, a hard-copy submission is not required. Instructions for accessing E-Apps can be found on the Board of Governors' Web site at http://www.federalreserve.gov/bankinforeg/eapps.htm.
General Guidance on Specific Types of Filings (Forms to Use, Guiding Regulation, Publication Information, Number of Copies to Submit)
- Bank Holding Company Formation
- Bank Holding Company - Banking Acquisition or Merger
- Bank Holding Company - Non-Bank Activities and Acquisitions
- Bank Holding Company - Application Waiver Request
- Bank Holding Company - Stock Redemption
- Change in Management
- Change in Control
- Commitment Relief Request
- Federal Reserve Membership
- Financial Holding Company Declaration
- State Member Bank Merger, Consolidation, or Acquisition of Assets or Assumption of Liabilities of Another Bank or Savings Association
- State Member Bank Premises Investments
- State Member Bank Branch Opening
- State Member Bank Branch Closing
- Foreign Bank Agency or Representative Office
- Other International Applications
Guidelines on Confidentiality—When submitting an application please note that any portion for which you request confidential treatment should be labeled confidential and separately bound. Your application should also provide an explanation of why the information should not be made available to the public. Portions of the application that are not labeled confidential and separately bound will be available to the public upon request.
Definition of Well-Capitalized—Certain application procedures require that the applicant and/or its subsidiaries be well-capitalized. As of January 1, 2015, the statutory requirements under Section 131 of FDICIA for a well-capitalized institution are:
- Minimum common equity tier 1 capital ratio of 6.5 percent,
- Minimum total risk-based capital ratio of 10 percent,
- Minimum tier 1 risk-based capital ratio of 8 percent,
- Minimum tier 1 leverage ratio of 5 percent, and
- Must be under no capital directive.
See the Board's Regulation Q for additional details.