79136 | DIRECT |

This policy update significantly changed how the FDIC evaluates bank mergers, specifically regarding:

: The FDIC now explicitly states that its analysis is informed by the Department of Justice's (DOJ) approach to evaluating how a merger might lessen competition. This policy update significantly changed how the FDIC

: The policy places greater emphasis on how a merger might affect the stability of the U.S. banking system as a whole. Statement of Policy on Bank Merger Transactions This policy update significantly changed how the FDIC