Pros and Cons of Bank Holding Companies: Determining Whether a Bank Holding Company Structure Makes Sense for Your Bank
Recording of a 90-minute CLE webinar with Q&A
This CLE webinar will examine pros and cons of operating under a bank holding company or financial holding company (BHC) vs. a simple stand-alone bank structure. The presentation will include a discussion of the federal laws and regulations regarding permissible activities for banks and their holding companies. The panel will also discuss potential benefits and costs of merging a BHC into a bank.
- Regulatory framework for banks
- Bank holding companies and financial holding companies
- Small BHC Policy Statement—impact on banks with under $1 billion in assets
- Disadvantages of BHCs
- Advantages of BHCs
- Eliminating an existing BHC into a bank—procedural issues
The panel will review these and other key issues:
- What kinds of activities and investments are allowed for banks beyond traditional banking activities?
- What additional operational flexibility is afforded BHCs
- How does the Small BHC Policy Statement affect the analysis for banks with under $1 billion in assets?
- What are the regulatory and cost considerations of forming and operating as a BHC?
- What additional flexibility can a BHC provide?
- When might it be desirable to merge a BHC (and affiliates) into a bank?
Robert D. Klingler
Mr. Klingler regularly counsels financial institutions, with an emphasis on mergers and acquisitions, capital... | Read More
Mr. Klingler regularly counsels financial institutions, with an emphasis on mergers and acquisitions, capital raisings, regulatory compliance and securities law issues. He advises community banks, as well as their officers, directors and investors, concerning strategic corporate transactions. He advises on all aspects of numerous bank recapitalizations, including negotiations with preferred equity and debt holders, bankruptcy court protections, capital raising, and regulatory oversight. He also represents bank investors in both due diligence and regulatory compliance matters.Close
Clifford S. Stanford
Alston & Bird
Mr. Stanford leads the Firm's Bank Regulatory Team, providing experienced advice and strategic counsel to U.S. and... | Read More
Mr. Stanford leads the Firm's Bank Regulatory Team, providing experienced advice and strategic counsel to U.S. and foreign banks and nonbank financial services companies on the full array of regulatory concerns affecting the banking, financial services and payments industries. Previously, during his 15-year tenure at the Federal Reserve Bank of Atlanta, he served as assistant general counsel advising on banking regulation, payments law, commercial contracting, intellectual property and employment law matters. He was also the responsible officer for the Atlanta Fed’s bank applications and enforcement functions and was founding director of the Retail Payments Risk Forum.Close