Prohibition on the Use of Reputation Risk by Regulators

What it does

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.

The Comptroller of the Currency's summary, as published in the Federal Register.

What changed in the regulation

5 parts of Title 12 of the Code of Federal Regulations:

12 CFR 1, 12 CFR 4, 12 CFR 30, 12 CFR 302, 12 CFR 364

Wording on eCFR: the day before it took effect and from the day it took effect (first part listed).

Compared with

The Comptroller of the Currency has published 12 final rules in 2026 so far, compared with 5 in all of 2025.

Counted by the Tribune from Federal Register records since Jan. 1, 2025.

Before this

1 earlier Federal Register document under regulation identifier 1557-AF34, 3064-AG12 since Jan. 1, 2025.

• Oct. 30, 2025 Notice of proposed rulemaking. Prohibition on Use of Reputation Risk by Regulators

What happens next and when

The final rule is effective June 9, 2026.

The agency's dates, word for word.

Check it yourself

• The document in the Federal Register
• Docket OCC-2025-0142 on Regulations.gov
• Title 12 on eCFR

The record as published

Source: the Federal Register (public domain). The document in the Federal Register