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ABA: The American Bankers Association

De Novo Banks​

Removing Obstacles to the Formation of New Banks

ABA Position

ABA believes that new bank formation is critical for the health and vitality of the banking industry. ABA encourages de novo activity and supports the efforts of federal and state regulators to promote bank charter applications. ABA works to identify and address the obstacles to forming de novo banks in order to facilitate a timely regulatory approval process, reasonable expectations for business plans and required capital levels, compliance guidance and certainty, and tailored regulatory requirements. In doing so, ABA intends to foster a durable and competitive banking environment that continues to meet the needs of banking customers, local communities, and the nation’s economy.

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