The FDIC is proposing new regulations that could significantly impact the approval process for bank mergers. Under the new plan, banks seeking to merge will face higher scrutiny and hurdles, making the negotiation process more challenging. This move is likely to have a substantial impact on the banking sector, leading to careful consideration and potential reevaluation of merger strategies. The proposal aims to address concerns related to the potential risks associated with bank mergers and is expected to prompt a deeper review of the implications for the banking industry. As banks navigate these changes, it is crucial for them to stay abreast of the evolving regulatory landscape and adapt their strategies accordingly, keeping in mind the heightened hurdles outlined in the new FDIC plan.