Robert Maddox Quoted in S&P Global on Recent Policy Changes by the Office of the Comptroller of the Currency and FDIC

Bradley attorney Robert Maddox was quoted in S&P Global on recent policy shifts by the Office of the Comptroller of the Currency and Federal Deposit Insurance Corp. (FDIC), which reinstate the expedited application process and eliminate extra scrutiny tied to size thresholds.

"The greatest beneficiary is likely smaller institutions," said Maddox. "If they can justify it, then they can use the streamlined application forms, if they're eligible. It reduces the administrative burdens — certainly reduces the cost."

For banks looking to gain scale, they should strike while the iron is hot, advisers said. Later this year and through 2026 is a window of good opportunities for M&A activity before a new president is elected in 2028 and potentially brings a different view, Maddox explained.

"We're moving clearly from an antitrust, if you will, vantage point from one administration to a much more free market view in another," Maddox said.

The full article, “Community, regional bank deals bolstered by merger policy shifts,” was published by S&P Global on June 6, 2025.