{"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.","action":"Final rule.","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"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2026/04/10/2026-06947.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"1","title":12},{"chapter":null,"citation_url":null,"part":"4","title":12},{"chapter":null,"citation_url":null,"part":"30","title":12},{"chapter":null,"citation_url":null,"part":"302","title":12},{"chapter":null,"citation_url":null,"part":"364","title":12}],"citation":"91 FR 18279","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"The final rule is effective June 9, 2026.","disposition_notes":null,"docket_ids":["Docket ID OCC-2025-0142"],"dockets":[{"supporting_documents":[],"agency_name":"OCC","documents":[{"comment_count":0,"comment_start_date":"2026-04-10","updated_at":"2026-04-10T12:57:21.205-04:00","comment_url":"https://www.regulations.gov/commenton/OCC-2025-0142-0049","allow_late_comments":false,"id":"OCC-2025-0142-0049","comment_end_date":null,"regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":0,"id":"OCC-2025-0142","title":"Prohibition on Use of Reputation Risk by Regulators"}],"document_number":"2026-06947","effective_on":"2026-06-09","end_page":18294,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2026/04/10/2026-06947.xml","html_url":"https://www.federalregister.gov/documents/2026/04/10/2026-06947/prohibition-on-the-use-of-reputation-risk-by-regulators","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2026-06947?publication_date=2026-04-10","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2026-04-10/2026-06947/mods.xml","not_received_for_publication":null,"page_length":16,"page_views":{"count":261,"last_updated":"2026-04-11 16:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-10/pdf/2026-06947.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-06947.pdf?1775738713","publication_date":"2026-04-10","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2026/04/10/2026-06947.txt","regulation_id_number_info":{"3064-AG12":{"issue":"202504","html_url":"https://www.federalregister.gov/regulations/3064-AG12/prohibition-on-use-of-reputational-risk-by-regulators","title":"Prohibition on Use of Reputational Risk by Regulators","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202504&RIN=3064-AG12&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"},"1557-AF34":null},"regulation_id_numbers":["1557-AF34","3064-AG12"],"regulations_dot_gov_info":{"supporting_documents":[],"comments_count":0,"agency_id":"OCC","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=OCC-2025-0142","supporting_documents_count":0,"docket_id":"OCC-2025-0142","document_id":"OCC-2025-0142-0049","regulation_id_number":"1557-AF34","title":"Prohibition on Use of Reputation Risk by Regulators","checked_regulationsdotgov_at":"2026-04-11T18:55:04Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":18279,"subtype":null,"title":"Prohibition on the Use of Reputation Risk by Regulators","toc_doc":"Prohibition on the Use of Reputation Risk by Regulators","toc_subject":null,"topics":["Administrative practice and procedure","Banks, banking","Freedom of information","Individuals with disabilities","Information","Minority businesses","National banks","Organization and functions (Government agencies)","Reporting and recordkeeping requirements","Securities","Women"],"type":"Rule","volume":91}