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Pros and Cons of Bank Holding Companies: Determining Whether a Bank Holding Company Structure Makes Sense for Your Bank

This program is cancelled

A live 90-minute premium CLE video webinar with interactive Q&A

This program is included with the Strafford CLE Pass. Click for more information.
This program is included with the Strafford All-Access Pass. Click for more information.

Wednesday, December 13, 2023 (in 8 days)

1:00pm-2:30pm EST, 10:00am-11:30am PST

This CLE course will examine the pros and cons of operating under a bank holding company or financial holding company (collectively, 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.


In deciding whether a BHC is the best route to conduct its businesses, banks should weigh the operational flexibility of BHCs against the added administrative and regulatory costs. Counsel must have a thorough understanding of the permitted activities of banks vs. BHCs.

BHCs are frequently used to engage in a variety of activities that are nonbanking or financial but outside of traditional depository activities, usually through affiliates under the ownership umbrella of a BHC.

Listen as our authoritative panel discusses the regulatory framework in which banks and BHCs operate and the non-banking activities that are permitted for each. The panel will also discuss the logistics of creating or dissolving a BHC and issues to consider in deciding whether to do so.



  1. Regulatory framework for banks
  2. Bank holding companies and financial holding companies
  3. Small BHC policy statement: impact on banks with under $3 billion in assets
  4. Disadvantages of BHCs
  5. Advantages of BHCs
  6. Eliminating or creating a BHC for an existing 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 $3 billion in assets?
  • What are the regulatory and cost considerations of forming and operating as a BHC?
  • When might it be desirable to dissolve or create a BHC for an existing bank?


Bisanz, Matthew
Matthew Bisanz

Mayer Brown

Mr. Bisanz counsels domestic and global financial services firms on a variety of banking and derivatives regulatory...  |  Read More

Docherty, Christine
Christine Andrea Docherty

Goodwin Procter

Ms. Docherty has two decades of experience in banking supervision, regulation, and enforcement as well as over a decade...  |  Read More

Goss, Carleton
Carleton Goss

Hunton Andrews Kurth

Mr. Goss leverages his experience as a lawyer with the Office of the Comptroller of the Currency to resolve financial...  |  Read More