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 |
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| 01. Community Bankers of Michigan, James R. North |