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Federal Register Publications

Comments RIN 3064-AG12

Prohibition on Use of Reputation Risk by Regulators
12 CFR Parts 302 and 364 RIN 3064–AG12

Notice of proposed rulemaking

Summary: The FDIC and the Office of the Comptroller of the Currency propose to codify the elimination of reputation risk from their supervisory programs.  The proposal would prohibit the agencies from criticizing or taking adverse action against banks on the basis of reputation risk.  It would also prohibit the agencies from requiring, instructing, or encouraging banks 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 political, social, cultural, or religious views or beliefs, protected speech, or politically disfavored but lawful business activities.

90 FR 48825
Comment Period End: December 29, 2025

 

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Submitted By
01. Community Bankers of Michigan, James R. North
02. Alliance Defending Freedom, Brian Knight
03. Public Citizen
04. Consumer Bankers Association (CBA), Rachel Ross
05. Better Markets, Inc., Philip Basil
06. Ethics and Public Policy Center (EPPC), Rachel N. Morrison and Samuel Lucas
07. American Bankers Association, Hu Benton
08. Bank Policy Institute, Greg Rozansky
09. CCMR, Thornton, Scott and Hubbard
10. Association of Credit and Collection Professionals (ACA), Scott Pursell 
11. Axos Bank
12. Benjamin Barber
13. Better Markets, Philip Basil
14. Ceres and Ceres Accelerator for Sustainable Capital Markets, Holly Li and Monica Barros
15. Christian Employers Alliance (CEA), Bob Ballinger
16. Citizens Rulemaking Alliance
17. Coinbase, Faryar Shizard
18. Community Bankers Association of Illinois, David G. Schroeder
19. FGA Action
20. Alison Council
21. American Association of Christian Schools, Jamison Copoola and Hannah DeBruler
22. American First Policy Institute (AFPI), Jeffrey Schlagenhauf
23. Americans for Financial Reform Education Fund (AFREF)
24. America's Future, Mary Flynn O’Neill
25. Amusement and Music Operators Association (AMOA), Brian Brotsch and Lori Schneider
26. Anonymous 1
27. Anonymous 2
28. Anonymous 3
29. Anonymous 4
30. Nicole Laskowski
31. State of West Virginia, Office of the Attorney General and 23 Other States
32. Trinity Andelin
33. United States Internet Preservation Society (USIPS), Joshua Moon
34. Woodstock Institute, Horacio F. Mendez
35. Free Speech Coalition, Alison Boden
36. Harold Lane Jr.
37. Independent Community Bankers Association (ICBA), Lance Noggle
38. James Enoch
39. Jerri Groth
40. Landmark Legal Foundation, Richard P. Hutchison
41. League of United Latin American Citizens (LULAC), Roman Palomares
42. National Committee for Religious Freedom (NCRF), Matthew Goddard
43. National Riffle Association Institute of Legislative Affairs (NRA-ILA), Christopher Zealand
44. Nicole Back
45. Online Lenders Alliance (OLA), Michael Day
46. Environmental Defense Fund (EDF), Stephanie Jones, Gabrielle (Elle) Stephens, and Peter Zalzal
47. National Community Reinvestment Coalition (NCRC), Jesse Van Tol
48. NSSF The Firearm Industry Trade Association, Lawrence G. Keane

Last Updated: January 21, 2026