Actions under delegated authority

Eastern Michigan Bank, Croswell, Michigan -- to establish a branch at 1430 Military Street, Port Huron, Michigan.
-Approved, November 24, 2021

Simmons Bank, Pine Bluff, Arkansas -- to establish a branch at 17901 Chenal Parkway, Little Rock, Arkansas.
-Approved, November 26, 2021

Arbor Bancorp, Inc., Ann Arbor, Michigan -- waiver of application to acquire FNBH Bancorp, Inc., and thereby indirectly acquire First National Bank of Howell, both of Howell, Michigan, in connection with the merger of First National Bank of Howell with and into Bank of Ann Arbor, Ann Arbor, Michigan.
-Granted, November 16, 2021
(A/C)

BayCom Corp., Walnut Creek, California -- (1) to merge with Pacific Enterprise Bancorp, Irvine, California, and (2) for United Business Bank, Walnut Creek, to merge with Pacific Enterprise Bank, Irvine, and thereby establish a branch.
-Approved, November 22, 2021

Community Bancshares, Inc., Seneca, Kansas -- through the merger of its subsidiary, CBI Acquisition Corporation, Seneca, Kansas, with and into BOTS, Inc., to indirectly acquire VisionBank, both of Topeka, Kansas.
-Approved, November 24, 2021

Fidelity Company, Dubuque, Iowa -- waiver of application to acquire Farmers & Traders Savings Bank (Farmers & Traders), Bancroft, Iowa, in connection with the merger of Farmers & Traders with and into Fidelity Bank & Trust, Dubuque, Iowa.
-Granted, November 26, 2021

Stockmens Financial Corporation, Rapid City, South Dakota -- modification of certain commitments.
-Granted, November 12, 2021
(A/C)

Van Diest Investment Company, Webster City, Iowa -- to acquire NorthStar Bank, Estherville, Iowa.
-Approved, November 24, 2021

Southern Bank, Poplar Bluff, Missouri -- to purchase certain assets and assume certain liabilities of the Cairo, Illinois, branch of First National Bank, Oldham, South Dakota, and retain the acquired facility as a branch.
-Approved, November 24, 2021

Alden State Bank, Alden, New York -- to increase its investment in bank premises.
-Approved, November 26, 2021

ING Bank N.V., Amsterdam, The Netherlands -- to establish a representative office in Houston, Texas.
-Approved, November 22, 2021

Ally Bank, Sandy, Utah -- to make a public welfare investment (two requests).
-Approved, November 18, 2021
(A/C)

Mascoma Bank, Lebanon, New Hampshire -- to exercise limited trust powers, including personal trust and fiduciary services, pursuant to 12 CFR 208.3(d)(2).
-Approved, November 26, 2021

Regions Bank, Birmingham, Alabama -- to make a public welfare investment.
-Approved, November 16, 2021
(A/C)

Regions Bank, Birmingham, Alabama -- to make a public welfare investment.
-Approved, November 18, 2021
(A/C)

Western Alliance Bank, Phoenix, Arizona -- to make a public welfare investment.
-Approved, November 23, 2021

Central Bancshares, Inc., Houston, Texas -- the John H. Young 2020 Trust, Houston, Texas (Edward E. Hartline and Gus K. Eifler as co-trustees), to acquire additional voting shares of Central Bancshares, Inc., and thereby indirectly acquire voting shares of Central Bank, Houston, Texas.
-Permitted, November 24, 2021

Plains Bancshares, Inc., Plains, Kansas -- Mary Beth Woods, Plains, Kansas, to retain voting shares of Plains Bancshares, Inc., and indirectly retain voting shares of The Plains State Bank, Plains, Kansas. Additionally, Walker Clawson; Gatlin Clawson; Korben Clawson; and the LAC Clawson Irrevocable Trust, David Clawson and Daniel Clawson, co-trustees; all of Plains, Kansas; and Abigail Giles, Betsy Giles, Matthew Giles, and Josiah Giles, all of Byers, Kansas, to join the Clawson Family Group, a group acting in concert, to retain voting shares of Plains Bancshares, Inc., and indirectly retain voting shares of The Plains State Bank.
-Permitted, November 22, 2021

Renasant Corporation, Tupelo, Mississippi -- the Vanguard Group, Inc., Malvern, Pennsylvania, on behalf of itself, its subsidiaries and affiliates, including investment companies registered under the Investment Company Act of 1940, other pooled investment vehicles, and institutional accounts that are sponsored, managed, or advised by Vanguard, to acquire additional voting shares of Renasant Corporation and thereby indirectly acquire voting shares of Renasant Bank, Tupelo, Mississippi.
-Permitted, November 22, 2021

The Goldman Sachs Group, Inc., New York, New York -- extension of time to conform or divest a merchant banking investment.
-Granted, November 26, 2021

New Republic Partners, Inc., Charlotte, North Carolina -- extension to February 24, 2022, to engage de novo in financial and investment advisory activities and agency transactional services through New Republic Securities, LLC, Charlotte, North Carolina.
-Granted, November 23, 2021

The Union State Bank of Everest, Everest, Kansas -- extension to February 24, 2022, to establish a de novo branch at 8300 Booth Avenue, Kansas City, Missouri.
-Granted, November 23, 2021

Regulation Z (Truth in Lending) -- final interagency determination of the threshold for exempting certain loans from special appraisal requirements for higher-priced mortgages during 2022.
-Approved, November 22, 2021

Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing) -- final interagency amendments to establish dollar thresholds that will apply for determining exempt consumer credit and lease transactions in 2022.
-Approved, November 22, 2021

North Shore, MHC, Waukegan, Illinois -- (1) to convert from mutual to stock form; (2) for NSTS Bancorp, Inc., Waukegan, Illinois, a newly formed Delaware corporation, to become a savings and loan holding company by acquiring North Shore Trust and Savings, Waukegan, Illinois; and (3) waiver request by North Shore, MHC, of requirements of 12 CFR 239.52(j) regarding the definition of "qualifying deposits."
-Approved, November 10, 2021
(A/C)