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The Federal Reserve and Bank Holding Companies

The Federal Reserve is the consolidated supervisor for all bank, financial, and savings and loan holding companies (referenced as “bank holding companies” in this article). For decades, the majority of banks in the U.S. have operated under the auspices of the bank holding company structure because of the advantages they have found in the organizational structure.

The Federal Reserve and Its Efforts to Reduce Regulatory Burden

The Fed recognizes the need to promote and ensure an efficient and effective supervisory function. In an effort to tailor supervision and reduce regulatory burden, the Fed has taken the following actions.