Pros and Cons of Bank Holding Companies: Determining Whether a Bank Holding Company Structure Makes Sense for Your Bank
A live 90-minute premium CLE webinar with interactive 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 are the additional operational flexibilities of BHCs?
- How does the Small BHC Policy Statement impact the analysis for banks with under $1 billion in assets?
- What are the regulatory and cost considerations of forming and operating as a BHC?
- When might it be desirable to merge a BHC (and affiliates) into a bank?
Samantha M. Kirby
Partner; Co-Chair of the Banking and Consumer Financial Services Practice
Ms. Kirby advises boards and management of financial institutions and other financial services firms on strategic... | Read More
Ms. Kirby advises boards and management of financial institutions and other financial services firms on strategic corporate governance and bank regulatory matters, public company reporting, and corporate finance and M&A transactions, including bank mutual-to-stock conversions, holding company formations, and de novo bank chartering. In addition to working with the firm's full service bank and thrift clients, Ms. Kirby has worked extensively with nonbank financial services providers to establish limited purpose trust banks and other nontraditional vehicles for providing fiduciary and asset management services, and advises banks and trust companies that manage collective investment funds and other commingled pools.Close
Ralph F. (Chip) MacDonald, III
Mr. MacDonald's practice emphasizes securities, mergers and acquisitions, corporate governance, financial... | Read More
Mr. MacDonald's practice emphasizes securities, mergers and acquisitions, corporate governance, financial institutions (including REITs, investment managers, and broker-dealers), and financial products. He is a frequent speaker and author on matters related to financial and investment services and products.Close
Donald S. Waack
Morgan Lewis & Bockius
Mr. Waack counsels globally active financial services firms on their most challenging regulatory, transactional, and... | Read More
Mr. Waack counsels globally active financial services firms on their most challenging regulatory, transactional, and enforcement matters. He devotes the majority of his practice to advising banks, bank holding companies, and other financial institutions on complex strategic and regulatory matters, including regulatory control determinations; investment authority issues and activities restrictions; fund formation; fintech partnerships and investments; regulatory capital; affiliate transactions; vendor management issues; and proprietary trading and private fund restrictions arising under the Volcker Rule.Close
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