{"description":"Documents matching '\"Guaranteeing Fair Banking\"'","count":11,"total_pages":1,"results":[{"title":"Guaranteeing Fair Banking for All Americans","type":"Presidential Document","abstract":null,"document_number":"2025-15341","html_url":"https://www.federalregister.gov/documents/2025/08/12/2025-15341/guaranteeing-fair-banking-for-all-americans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-08-12/pdf/2025-15341.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-15341.pdf?1754925310","publication_date":"2025-08-12","agencies":[{"raw_name":"EXECUTIVE OFFICE OF THE PRESIDENT","name":"Executive Office of the President","id":538,"url":"https://www.federalregister.gov/agencies/executive-office-of-the-president","json_url":"https://www.federalregister.gov/api/v1/agencies/538","parent_id":null,"slug":"executive-office-of-the-president"}],"excerpts":"Executive Order 14331 of August 7, 2025 \n <span class=\"match\">Guaranteeing Fair Banking</span> for All Americans \n By the authority vested in me as President by the Constitution and the laws of the United States of America, it is hereby ordered: \n \n Section 1 \n . \n Purpose. \n Financial institutions have engaged in unacceptable practices to restrict law-abiding individuals' and businesses' access to financial services on the basis of political or religious beliefs or lawful business activities. Some financial institutions participated in Government-directed surveillance programs"},{"title":"Prohibition on the Use of Reputation Risk","type":"Rule","abstract":"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.","document_number":"2026-12856","html_url":"https://www.federalregister.gov/documents/2026/06/25/2026-12856/prohibition-on-the-use-of-reputation-risk","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-25/pdf/2026-12856.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-12856.pdf?1782305119","publication_date":"2026-06-25","agencies":[{"raw_name":"NATIONAL CREDIT UNION ADMINISTRATION","name":"National Credit Union Administration","id":335,"url":"https://www.federalregister.gov/agencies/national-credit-union-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/335","parent_id":null,"slug":"national-credit-union-administration"}],"excerpts":"ACTION: \n Final rule. \n \n \n SUMMARY: \n 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, “<span class=\"match\">Guaranteeing Fair Banking</span> 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"},{"title":"Reporting and Recordkeeping Requirements Under OMB Review","type":"Notice","abstract":"The Small Business Administration (SBA) is seeking approval from the Office of Management and Budget (OMB) for the information collection described below. In accordance with the Paperwork Reduction Act and OMB procedures, SBA is publishing this notice to allow all interested members of the public an additional 30 days to provide comments on the proposed collection of information.","document_number":"2025-22013","html_url":"https://www.federalregister.gov/documents/2025/12/05/2025-22013/reporting-and-recordkeeping-requirements-under-omb-review","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-05/pdf/2025-22013.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-22013.pdf?1764855917","publication_date":"2025-12-05","agencies":[{"raw_name":"SMALL BUSINESS ADMINISTRATION","name":"Small Business Administration","id":468,"url":"https://www.federalregister.gov/agencies/small-business-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/468","parent_id":null,"slug":"small-business-administration"}],"excerpts":"documents from the Interim Agency Clearance Officer at \n Shaunice.Carter@sba.gov; \n (202) 921-2198, or from \n www.reginfo.gov/public/do/PRAMain. \n \n \n \n \n SUPPLEMENTARY INFORMATION: \n On August 7, 2025, President Donald J. Trump issued the Executive Order entitled: “<span class=\"match\">Guaranteeing Fair Banking</span> for All Americans” (the “Fair Banking Executive Order”) instructing the SBA, along with federal banking regulators, to end the practice of politicized or unlawful debanking—the practice where banks and financial services providers, both independently and at the direction"},{"title":"Data Collection Available for Public Comments","type":"Notice","abstract":"The Small Business Administration (SBA) intends to request approval from the Office of Management and Budget (OMB) for the collection of information described below. The Paperwork Reduction Act (PRA) requires federal agencies to publish a notice in the Federal Register concerning each proposed collection of information before submission to OMB, and to allow 60 days for public comment in response to the notice. This notice complies with that requirement.","document_number":"2025-18279","html_url":"https://www.federalregister.gov/documents/2025/09/22/2025-18279/data-collection-available-for-public-comments","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-09-22/pdf/2025-18279.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-18279.pdf?1758285913","publication_date":"2025-09-22","agencies":[{"raw_name":"SMALL BUSINESS ADMINISTRATION","name":"Small Business Administration","id":468,"url":"https://www.federalregister.gov/agencies/small-business-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/468","parent_id":null,"slug":"small-business-administration"}],"excerpts":"alexander.heard@sba.gov, \n (202) 808-1579 and Shauniece Carter, Interim Agency Clearance Officer, \n Shauniece.carter@sba.gov, \n (202) 935-6942.\n \n \n \n \n SUPPLEMENTARY INFORMATION: \n On August 7, 2025, President Donald J. Trump issued the Executive Order entitled: “<span class=\"match\">Guaranteeing Fair Banking</span> for All Americans” (the “Fair Banking Executive Order”) instructing the SBA, along with federal banking regulators, to end the practice of politicized or unlawful debanking—the practice where banks and financial services providers, both independently and at the direction"},{"title":"Suspended Counterparty Program","type":"Proposed Rule","abstract":"The Federal Housing Finance Agency (FHFA) is proposing to amend its Suspended Counterparty Program (SCP) regulation by removing the term \"reputational harm.\" This amendment would eliminate redundancy and affirm that FHFA's supervision of counterparty risk is based on material and measurable risks.","document_number":"2026-14036","html_url":"https://www.federalregister.gov/documents/2026/07/13/2026-14036/suspended-counterparty-program","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-07-13/pdf/2026-14036.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-14036.pdf?1783687512","publication_date":"2026-07-13","agencies":[{"raw_name":"FEDERAL HOUSING FINANCE AGENCY","name":"Federal Housing Finance Agency","id":174,"url":"https://www.federalregister.gov/agencies/federal-housing-finance-agency","json_url":"https://www.federalregister.gov/api/v1/agencies/174","parent_id":null,"slug":"federal-housing-finance-agency"}],"excerpts":"regulation. The proposed removal of reputational harm would align FHFA with other financial regulators that are removing reputational risk from their supervisory programs and regulations.\n 3 \n \n \n \n \n 3 \n  President Donald J. Trump signed Executive Order 14331, titled “<span class=\"match\">Guaranteeing Fair Banking</span> for All Americans,” on August 7, 2025. Executive Order 14331 directed each appropriate Federal banking regulator to remove the use of reputation risk or equivalent concepts from their guidance documents, manuals, and other materials used to regulate or examine financial"},{"title":"Prohibition on Use of Reputation Risk by NCUA","type":"Proposed Rule","abstract":"The National Credit Union Administration Board (Board) is issuing a notice of proposed rulemaking to codify the elimination of reputation risk from its supervisory program. Among other things, the proposed rule would prohibit the agency from criticizing or taking adverse action against an institution, defined as an entity for which the NCUA makes or will make supervisory determinations or other decisions, either solely or jointly on the basis of reputation risk. The proposed rule would also prohibit the agency 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 on the basis of politically disfavored but lawful business activities perceived to present reputation risk.","document_number":"2025-19623","html_url":"https://www.federalregister.gov/documents/2025/10/21/2025-19623/prohibition-on-use-of-reputation-risk-by-ncua","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-21/pdf/2025-19623.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19623.pdf?1760964309","publication_date":"2025-10-21","agencies":[{"raw_name":"NATIONAL CREDIT UNION ADMINISTRATION","name":"National Credit Union Administration","id":335,"url":"https://www.federalregister.gov/agencies/national-credit-union-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/335","parent_id":null,"slug":"national-credit-union-administration"}],"excerpts":"efficiency and effectiveness of the examination and supervision program, the NCUA has removed reputation risk from its supervisory framework and is proposing to codify this change through regulation. These actions align with the requirements in Executive Order 14331, <span class=\"match\">Guaranteeing Fair Banking</span> for All Americans,\n 1 \n \n that notes the use of reputation risk can be a pretext for restricting law-abiding individuals' and businesses' access to financial services on the basis of political or religious beliefs or disfavored but lawful business activities.\n \n"},{"title":"Prohibition on Use of Reputation Risk by Regulators","type":"Proposed Rule","abstract":"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.","document_number":"2025-19715","html_url":"https://www.federalregister.gov/documents/2025/10/30/2025-19715/prohibition-on-use-of-reputation-risk-by-regulators","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-30/pdf/2025-19715.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19715.pdf?1761741909","publication_date":"2025-10-30","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"effectiveness of their supervisory programs, the agencies have removed reputation risk from their supervisory frameworks and are proposing to codify this change in relevant regulations. This change would also respond to concerns expressed in Executive Order 14331, <span class=\"match\">Guaranteeing Fair Banking</span> for All Americans,\n 1 \n \n that the use of reputation risk can be a pretext for restricting law-abiding individuals' and businesses' access to financial services on the basis of political or religious beliefs or lawful business activities.\n \n \n \n 1 \n  90 FR 38925"},{"title":"Prohibition on the Use of Reputation Risk by Regulators","type":"Rule","abstract":"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.","document_number":"2026-06947","html_url":"https://www.federalregister.gov/documents/2026/04/10/2026-06947/prohibition-on-the-use-of-reputation-risk-by-regulators","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-10/pdf/2026-06947.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06947.pdf?1775738713","publication_date":"2026-04-10","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"effectiveness of their supervisory programs, the agencies have removed reputation risk from their supervisory frameworks and are proposing to codify this change in relevant regulations. This change would also respond to concerns expressed in Executive Order 14331, <span class=\"match\">Guaranteeing Fair Banking</span> for All Americans,\n 2 \n \n that the use of reputation risk can be a pretext for restricting law-abiding individuals' and businesses' access to financial services on the basis of political or religious beliefs or lawful business activities.\n \n \n \n 2 \n  90 FR 38925"},{"title":"Anti-Money Laundering and Countering the Financing of Terrorism Programs","type":"Proposed Rule","abstract":"Pursuant to the Department of the Treasury (Treasury) and FinCEN's efforts to modernize the Bank Secrecy Act (BSA) and to implement provisions of the Anti-Money Laundering Act of 2020 (AML Act), FinCEN is proposing a rule to fundamentally reform the requirements for financial institutions' anti-money laundering and countering the financing of terrorism (AML/CFT) programs. Among other changes, this proposed rule aims to ensure that financial institutions establish and maintain effective AML/CFT programs that better achieve the purposes of the BSA and lead to more effective outcomes for financial institutions as well as law enforcement and national security agencies. Through this rulemaking, consistent with its statutory authority as the administrator of the BSA, FinCEN is also proposing measures to modernize and reform Federal supervision of AML/CFT programs by enhancing FinCEN's role in AML/CFT supervision and enforcement in coordination with Federal banking regulators. In addition, FinCEN is proposing regulatory amendments to promote clarity and consistency across FinCEN's program rules for different types of financial institutions.","document_number":"2026-07033","html_url":"https://www.federalregister.gov/documents/2026/04/10/2026-07033/anti-money-laundering-and-countering-the-financing-of-terrorism-programs","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-10/pdf/2026-07033.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07033.pdf?1775738723","publication_date":"2026-04-10","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Financial Crimes Enforcement Network","name":"Financial Crimes Enforcement Network","id":194,"url":"https://www.federalregister.gov/agencies/financial-crimes-enforcement-network","json_url":"https://www.federalregister.gov/api/v1/agencies/194","parent_id":497,"slug":"financial-crimes-enforcement-network"}],"excerpts":"inappropriately pressured into closing customer accounts by emphasizing the risk-based nature of AML/CFT programs. In doing so, the proposed rule also furthers the objectives of E.O. 14331, \n <span class=\"match\">Guaranteeing Fair Banking</span> for All Americans, \n which seeks to combat “politicized or unlawful debanking.” \n 41 \n \n \n \n \n 41 \n  E.O. 14331, \n <span class=\"match\">Guaranteeing Fair Banking</span> for All Americans, \n 90 FR 38925 (issued Aug. 7, 2025; published Aug. 12, 2025).\n \n \n Moreover, by establishing a risk-based AML/CFT program that takes into account a financial institution's specific"},{"title":"Merger Transactions","type":"Proposed Rule","abstract":"The Federal Deposit Insurance Corporation (FDIC) is inviting comment on a proposed rule that would fundamentally reform important aspects of the FDIC's approach to processing and evaluating merger transactions subject to the Bank Merger Act (BMA). Notable reforms under the proposed rule would include: accounting for credit unions and centrally booked deposits in the initial competitive effects analysis; establishing a letter filing process with \"deemed approval\" for \"de minimis merger transactions;\" tailoring other merger filing requirements to reduce burden and processing times based on the size and risk profile of a merger transaction and the attributes of the acquiring and resulting institution; limiting and clarifying the FDIC's discretion to remove a filing from expedited processing; and codifying the FDIC's reformed approach to evaluating the statutory factors under the BMA. Collectively, the revisions under the proposed rule would improve the speed, certainty, and predictability of the FDIC's bank merger framework in a manner consistent with the BMA. In addition, the proposed rule would modernize the framework to better reflect the competitive environment of the U.S. banking industry, including by tailoring it to reflect the full range of merger transactions subject to FDIC review along with reforming or eliminating outdated provisions.","document_number":"2026-19308","html_url":"https://www.federalregister.gov/documents/2026/09/22/2026-19308/merger-transactions","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-09-22/pdf/2026-19308.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-19308.pdf?1789994711","publication_date":"2026-09-22","agencies":[{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"favorably than other existing or potential customers based on political, social, cultural, or religious considerations rather than individualized, objective, and risk-based analysis. This additional review would respond to concerns expressed in Executive Order 14331, <span class=\"match\">Guaranteeing Fair Banking</span> for All Americans,\n 76 \n \n and would help deter and combat politicized or unlawful debanking activities.\n \n \n \n 76 \n  90 FR 38925 (Aug. 12, 2025).\n \n \n If the acquiring institution has received a rating of 1 or 2 on its most recent consumer compliance examination"},{"title":"Permitted Payment Stablecoin Issuer Anti-Money Laundering/Countering the Financing of Terrorism Program and Sanctions Compliance Program Requirements","type":"Proposed Rule","abstract":"The Department of the Treasury's Financial Crimes Enforcement Network (FinCEN) and Office of Foreign Assets Control (OFAC) are jointly issuing this proposed rule to implement provisions of the Guiding and Establishing National Innovation for U.S. Stablecoins Act (GENIUS Act). Specifically, it implements the GENIUS Act's directive to treat permitted payment stablecoin issuers (PPSIs) as financial institutions for purposes of the Bank Secrecy Act, proposes anti-money laundering obligations for PPSIs, and proposes certain specific obligations required by the GENIUS Act for PPSIs. It also implements the GENIUS Act's directive to require PPSIs to maintain effective sanctions compliance programs.","document_number":"2026-06963","html_url":"https://www.federalregister.gov/documents/2026/04/10/2026-06963/permitted-payment-stablecoin-issuer-anti-money-launderingcountering-the-financing-of-terrorism","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-10/pdf/2026-06963.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06963.pdf?1775738715","publication_date":"2026-04-10","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of Foreign Assets Control","name":"Foreign Assets Control Office","id":203,"url":"https://www.federalregister.gov/agencies/foreign-assets-control-office","json_url":"https://www.federalregister.gov/api/v1/agencies/203","parent_id":497,"slug":"foreign-assets-control-office"},{"raw_name":"Financial Crimes Enforcement Network","name":"Financial Crimes Enforcement Network","id":194,"url":"https://www.federalregister.gov/agencies/financial-crimes-enforcement-network","json_url":"https://www.federalregister.gov/api/v1/agencies/194","parent_id":497,"slug":"financial-crimes-enforcement-network"}],"excerpts":"inappropriately pressured into closing customer accounts by emphasizing the risk-based nature of AML/CFT programs. In doing so, the proposed rule also furthers the objectives of E.O. 14331, \n <span class=\"match\">Guaranteeing Fair Banking</span> for All Americans, \n which seeks to combat “politicized or unlawful debanking.” \n 171 \n \n \n \n \n 171 \n  E.O. 14331, \n <span class=\"match\">Guaranteeing Fair Banking</span> for All Americans, \n 90 FR 38925 (Aug. 12, 2025).\n \n \n b. Program Overview \n \n The proposed rule would require a PPSI to \n establish \n an AML/CFT program and then \n maintain \n the AML/CFT program"}]}