National Bank Non-Interest Charges and Fees

What it does

The OCC is adopting an interim final rule to clarify that national banks' power to charge non-interest charges and fees includes the power to assess, collect, impose, levy, receive, reserve, take, or otherwise obtain non-interest charges and fees, including interchange fees from credit and debit card operations. Further, the interim final rule explains that national banks may charge non-interest charges or fees, even when such charges and fees are set by or in consultation with third parties. The OCC invites public comments on this interim final rule.

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

What changed in the regulation

1 part of Title 12 of the Code of Federal Regulations:

12 CFR 7

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

No earlier Federal Register document under regulation identifier 1557-AF54 since Jan. 1, 2025.

What happens next and when

The interim final rule is effective June 30, 2026. Comments on the interim final rule must be received on or before May 29, 2026.

The agency's dates, word for word.

Check it yourself

• The document in the Federal Register
• Docket OCC-2026-0430 on Regulations.gov
• Title 12 on eCFR

The record as published

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