[20180223]IF10837_金融改革：小型银行控股公司门槛.pdf

https:/crsreports.congress.gov February 23, 2018Financial Reform: Small Bank Holding Company ThresholdSmall bank holding companies and small thrift holding companies (hereafter collectively referred to as small BHCs) face less stringent regulation related to debt financed acquisitions and capital requirements pursuant to the Federal Reserves Small Bank Holding Company Policy Statement and the “Collins Amendment” to the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203; Dodd-Frank). Currently, a BHC must have less than $1 billion in assets, as well as meet certain qualitative requirements, to qualify. Bills in the 115th Congress would increase this threshold, thus providing regulatory relief to certain BHCs with assets between $1 billion and the proposed higher thresholds. Background Many depositories such as banks and thrifts are owned by a parent holding company. To use this structure, a banking organization must get approval from and is subject to regulation (at the parent level) by the Federal Reserve (the Fed). An organization may choose this structure for a variety of reasons related to its circumstances and business model. Being a BHC may increase acces