National Bank Non-Interest Charges and Fees

Document Headings Document headings vary by document type but may contain the following: the agency or agencies that issued and signed a document the number of the CFR title and the number of each part the document amends, proposes to amend, or is directly related to the agency docket number / agency internal file number the RIN which identifies each regulatory action listed in the Unified Agenda of Federal Regulatory and Deregulatory Actions See the Document Drafting Handbook for more details. Department of the Treasury Office of the Comptroller of the Currency 12 CFR Part 7 [Docket ID OCC-2026-0430] RIN 1557-AF54 AGENCY: Office of the Comptroller of the Currency (OCC), Treasury. ACTION: Interim final rule; request for comments. SUMMARY: 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. DATES: The interim final rule is effective June 30, 2026. Comments on the interim final rule must be received on or before May 29, 2026. ADDRESSES: Commenters are encouraged to submit comments through the Federal eRulemaking Portal. Please use the title “National Bank Non-Interest Charges and Fees” to facilitate the organization and distribution of the comments. You may submit comments by any of the following methods: Federal eRulemaking Portal—“Regulations.gov”: Go to https://regulations.gov/​ . Enter Docket ID “OCC-2026-0430” in the Search Box and click “Search.” Public comments can be submitted via the “Comment&rdquo…