Data / Federal rules / 2026-06947
Prohibition on the Use of Reputation Risk by Regulators
The Federal Deposit Insurance Corporation published this final rule in the Federal Register on April 10, 2026. It took effect on June 9, 2026.
SpecStream is the live web data engine for teams and agents. It reads every rule and proposed rule in the Federal Register each morning, and this page is that reading. Name your industry once and new rules, comment deadlines and effective dates arrive in your sheet, CRM, Slack or agent as they are published.
What the agency says
The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation are adopting a final rule to codify the elimination of reputation risk from their supervisory programs. Among other things, the rule prohibits the agencies from criticizing or taking adverse action against an institution on the basis of reputation risk. The rule also prohibits the agencies from requiring, instructing, or encouraging an institution to close an account, to refrain from providing an account, product, or service, or to modify or terminate any product or service on the basis of a person or entity's political, social, cultural, or religious views or beliefs, constitutionally protected speech, or solely on the basis of politically disfavored but lawful business activities perceived to present reputation risk. The rule further forbids the agencies from taking any supervisory action or other adverse action against an institution, a group of institutions, or the institution-affiliated parties of any institution that is designed to punish or discourage an individual or group from engaging in any lawful political, social, cultural, or religious activities, constitutionally protected speech, or, for political reasons, lawful business activities that the agencies or its personnel disagree with or disfavor.
Key facts
- Document number
- 2026-06947
- Type
- Final rule
- Action
- Final rule
- Agency
- Treasury Department; Comptroller of the Currency; Federal Deposit Insurance Corporation
- Published
- April 10, 2026
- Takes effect
- June 9, 2026
- Dates
- The final rule is effective June 9, 2026.
- Docket
- Docket ID OCC-2025-0142
- Regulation ID (RIN)
- 1557-AF34; 3064-AG12
- Code of Federal Regulations
- 12 CFR 1; 12 CFR 4; 12 CFR 30; 12 CFR 302; 12 CFR 364
- Topics
- Administrative practice and procedure; Banks, banking; Freedom of information; Individuals with disabilities; Information; Minority businesses; Organization and functions (Government agencies); Reporting and recordkeeping requirements; Securities; Women
- Pages
- 16
Other documents from the Federal Deposit Insurance Corporation
| Document | Type | Published |
|---|---|---|
| Extensions of Credit to Insiders 2026-20735 | Proposed rule | Oct 9 |
| Unsafe or Unsound Practices, Matters Requiring Attention; Correction 2026-19312 | Final rule | Sep 22 |
| State Bank Parity 2026-19310 | Proposed rule | Sep 22 |
| Merger Transactions 2026-19308 | Proposed rule | Sep 22 |
| Expanded Examination Cycle for Certain Small Insured Depository Institutions and U.S. Branches and Agencies of Foreign Banks 2026-18766 | Final rule | Sep 14 |
| Reciprocal Deposits: Implementing the 21st Century ROAD to Housing Act 2026-17865 | Final rule | Sep 1 |
| Unsafe or Unsound Practices, Matters Requiring Attention 2026-17823 | Final rule | Sep 1 |
| Disclosure of Information; Extension of Comment Period 2026-17649 | Proposed rule | Aug 28 |
Everything from the Federal Deposit Insurance Corporation · Rules on administrative practice and procedure · Rules on banks, banking · Rules on freedom of information · Published in April 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.