Data / Federal rules / 2025-19715
Prohibition on Use of Reputation Risk by Regulators
The Federal Deposit Insurance Corporation published this proposed rule in the Federal Register on October 30, 2025. Comments closed on December 29, 2025.
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What the agency says
The Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) (collectively, the agencies) are issuing a notice of proposed rulemaking to codify the elimination of reputation risk from their supervisory programs. Among other things, the proposed rule would prohibit the agencies from criticizing or taking adverse action against an institution on the basis of reputation risk. The proposed rule would also prohibit 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.
Key facts
- Document number
- 2025-19715
- Type
- Proposed rule
- Action
- Notice of proposed rulemaking
- Agency
- Treasury Department; Comptroller of the Currency; Federal Deposit Insurance Corporation
- Published
- October 30, 2025
- Comments due
- December 29, 2025
- Dates
- Comments must be received on or before December 29, 2025.
- 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
- 11
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Everything from the Federal Deposit Insurance Corporation · Rules on administrative practice and procedure · Rules on banks, banking · Rules on freedom of information · Published in October 2025
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.