Prohibition on the Use of Reputation Risk
Built by the Tribune's code from the Federal Register. No AI wrote this page. Published in the Federal Register June 25, 2026. Document 2026-12856. Updated Nov. 9, 2026.
- What it does
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.
The National Credit Union Administration's summary, as published in the Federal Register.
- What changed in the regulation
2 parts of Title 12 of the Code of Federal Regulations:
Wording on eCFR: the day before it took effect and from the day it took effect (first part listed).
- Compared with
The National Credit Union Administration has published 19 final rules in 2026 so far, compared with 2 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 3133-AF67 since Jan. 1, 2025.
- What happens next and when
This final rule is effective on July 27, 2026.
The agency's dates, word for word.
- Check it yourself
The record as published
| Document number | 2026-12856 |
|---|---|
| Action | Final rule. |
| Agencies | National Credit Union Administration |
| Published | June 25, 2026 |
| Effective date | July 27, 2026 |
| Regulation identifier (RIN) | 3133-AF67 |
Source: the Federal Register (public domain). The document in the Federal Register