Base
Rule2026-115592026-06-09

Preemption-Federal Credit Union Non-Interest Charges and Fees

National Credit Union Administration

Abstract

The NCUA Board is adopting an interim final rule to clarify federal credit unions' (FCUs) 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 FCUs may charge non- interest charges or fees, even when such charges and fees are set by or in consultation with third parties. NCUA invites public comments on this interim final rule.

Action & Dates

Action
Interim final rule; request for comment.
Dates
The interim final rule is effective June 30, 2026. Comments on the interim final rule must be received on or before July 9, 2026.
Effective Date
2026-06-30

CFR References

Topics

AdvertisingAgedCivil rightsCreditCredit unionsFair housingIndividuals with disabilitiesInsuranceMarital status discriminationMortgagesReligious discriminationReporting and recordkeeping requirementsSex discriminationSigns and symbolsSurety bonds

Public Comment

Comments Close
2026-07-09

Document Excerpt

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. National Credit Union Administration 12 CFR Part 701 RIN 3133-AG11 ( printed page 34725) AGENCY: National Credit Union Administration (NCUA). ACTION: Interim final rule; request for comment. SUMMARY: The NCUA Board is adopting an interim final rule to clarify federal credit unions' (FCUs) 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 FCUs may charge non-interest charges or fees, even when such charges and fees are set by or in consultation with third parties. NCUA 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 July 9, 2026. ADDRESSES: Comments may be submitted in one of the following ways. (Please send comments by one method only): Federal eRulemaking Portal: https://www.regulations.gov . The docket number for this rule is NCUA-2026-1189. Follow the “Submit a comment” instructions. If you are reading this document on federalregister.gov, you may use the green “SUBMIT A PUBLIC COMMENT” button beneath this rulemaking's title to submit a comment to the regulations.gov docket. A plain language summary of the rule is also available on the docket website. Mail: Address to Melane Conyers-Ausbrooks,

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Full Document

Citation: 91 FR 34725