The FDIC over the past few years has taken meaningful steps to facilitate and promote the formation of de novo banks. Late last week, the agency made several significant moves to bolster that effort. In separate actions, the FDIC:
- issued a request for information seeking comments on how to improve the deposit insurance application process;

than 1,000 new banks ultimately were formed over this same period. During and following the financial crisis, however, de novo bank formations became almost