Data / Federal rules / 2026-12856
Prohibition on the Use of Reputation Risk
The National Credit Union Administration published this final rule in the Federal Register on June 25, 2026. It took effect on July 27, 2026.
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What the agency says
On October 21, 2025, the Board issued its Notice of Proposed Rulemaking to codify the elimination of reputation risk from its supervisory framework. This change aligns with Executive Order 14331, "Guaranteeing Fair Banking for All Americans." Effective September 25, 2025, the NCUA ceased examining for reputation risk. This final rule affirms that the agency will not consider reputation risk--whether alone or in combination with other factors--in supervisory determinations or other decisions, nor will it take adverse actions on that basis.
Key facts
- Document number
- 2026-12856
- Type
- Final rule
- Action
- Final rule
- Agency
- National Credit Union Administration
- Published
- June 25, 2026
- Takes effect
- July 27, 2026
- Dates
- This final rule is effective on July 27, 2026.
- Regulation ID (RIN)
- 3133-AF67
- Code of Federal Regulations
- 12 CFR 702; 12 CFR 791
- Topics
- Administrative practice and procedure; Banks, banking; Credit unions; Reporting and recordkeeping requirements; Sunshine Act
- Pages
- 6
Other documents from the National Credit Union Administration
| Document | Type | Published |
|---|---|---|
| Notification to Members/Shareholders 2026-21512 | Proposed rule | Oct 21 |
| Nonconforming Investment Special Reserve 2026-21509 | Proposed rule | Oct 21 |
| Conversion to State-Chartered Credit Union 2026-21508 | Proposed rule | Oct 21 |
| Central Liquidity Facility 2026-21089 | Proposed rule | Oct 15 |
| Powers of Federal Credit Unions 2026-21088 | Proposed rule | Oct 15 |
| Corporate Credit Unions; Fidelity Bond and Insurance Coverage for Federally Insured Credit Unions 2026-21087 | Proposed rule | Oct 15 |
| Limits on Loans to Other Credit Unions 2026-16035 | Final rule | Aug 6 |
| Chartering and Field of Membership for Federal Credit Unions-Interpretive Ruling and Policy Statement 08-2 2026-16031 | Final rule | Aug 6 |
Everything from the National Credit Union Administration · Rules on administrative practice and procedure · Rules on banks, banking · Rules on credit unions · Published in June 2026
Read from the Federal Register API, last updated 2026-10-23. The document on federalregister.gov is the official record; dates and dockets can change through later corrections. Free to reuse with credit to SpecStream under CC BY 4.0.