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Application Filings and Notices

The Applications section within the Federal Reserve Bank of Cleveland’s Supervision and Regulation Department is responsible for processing various types of applications received from bank holding companies (BHCs), savings and loan holding companies (SLHCs), state member banks and institution-affiliated parties.

Filing banking applications

FedEZFile is strongly recommended as the most efficient method of filing applications. FedEZFile is the Federal Reserve System’s single technology tool that offers an easy, immediate, and secure way for financial organizations supervised by the Federal Reserve Board, their authorized representatives, and individuals to:

  • Submit filings;
  • View the status of their filings;
  • Communicate with assigned Reserve Bank and/or Board analyst(s) and attorneys; and
  • Receive digitally signed correspondence from the Federal Reserve.

Below are links to the FedEZFile tool as well as the companion learning resource, FedEZFile Fluent.  FedEZFile Fluent, available without registration, contains videos and quick reference guides, which provide step-by-step instructions on how to register, submit a filing, and access filing information

Fed EZ File
Already registered, log in to FedEZFile
Fed EZ File Fluent
Need Guidance? Check out FedEZFile Fluent

  • As an additional resource for determining Banking Market Definitions, the St. Louis Federal Reserve Bank created CASSIDI, a resource that provides banking market definitions as well as a tool to calculate how a potential merger transaction would change a banking market’s concentration. Users are able to search for and view banking markets, find banking market concentrations, and perform “what if” analyses on banking market structures.

  • The Federal Reserve Bank of Cleveland delineates local geographic markets to analyze the competitive effects of mergers, acquisitions and other transactions for bank holding companies, savings and loan holding companies and state member banks headquartered in the Fourth Federal Reserve District. Geographic banking markets are typically based on several factors that include, but are not limited to, commuting patterns, trade areas, political and geographic boundaries, and the location and size of banks and other financial institutions. Banking markets are subject to modification as the aforementioned factors change or as applications are processed, with the evaluation of a banking market being linked to the analysis of specific applications. Refer to the Competitive Analysis and Structure Source Instrument for Depository Institutions, or CASSIDI, for banking market definitions currently used by the Federal Reserve Bank of Cleveland in analyzing the competitive effects of banking proposals within the Fourth Federal Reserve District.

Public comments

You may submit comments on an application filed with the Federal Reserve Bank of Cleveland electronically to comments.applications@clev.frb.org or in hard copy to:

Jenni Frazer
Vice President
Federal Reserve Bank of Cleveland
PO Box 6387
Cleveland, Ohio 44101-1387

Comments must be received by the Reserve Bank on or before the last day of the public comment period.

Contact Information

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Banking Supervision, Credit Risk, and Statistics

Cleveland Fed employees in Banking Supervision, Credit Risk, and Statistics (SCS) assist the Bank in supervising and promoting the safety and soundness of banks and other financial institutions in our region.

Banking Supervision

As part of the nation's central bank, the Cleveland Fed supervises financial institutions in the Cleveland Fed's region. Our employees in Banking Supervision promote a safe and sound banking system, foster financial market stability, and support compliance with laws and regulations, including those relating to consumer protection.

Credit Risk

Credit Risk employees provide liquidity to the banking system, work to avoid losses that undermine the integrity of payment systems or the credibility of the Federal Reserve System, and facilitate the implementation of monetary policy.

Statistics and Analysis

Teams in Statistics and Analysis collect financial, banking structure, survey, and contextual information and provide data management services to ensure information is fit for use. The data is used by other areas in the Cleveland Fed to support monetary policymaking, supervision, and fiscal agency responsibilities.