National Credit Union Administration
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 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 Parts 702 and 791 RIN 3133-AF67 AGENCY: National Credit Union Administration (NCUA). ACTION: Final rule. SUMMARY: 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. DATES: This final rule is effective on July 27, 2026. FOR FURTHER INFORMATION CONTACT: Office of Examination and Insurance: Michael Dondarski, Associate Director, at (703) 548-2638 or at 1775 Duke Street, Alexandria, VA 22314. Office of General Counsel: Ariel Woodard-Stephens, Staff Attorney, Office of General Counsel, at (703) 609-5926 or at the above address. SUPPLEMENTARY INFORMATION: I. Introduction On October 21, 2025, the Board issued its Notice of Proposed Rulemaking to codify the elimination of reputation risk from its supervisory framework. [ 1 ] Among other things, the proposed rule would also have prohibited the agency from requiring, instructing, or encouraging an institution to close an account, to refrain from providing an account, product, or servic…
Citation: 91 FR 38270
