Documents › Agency rules › 2026-12856
National Credit Union Administration
Prohibition on the Use of Reputation Risk
Published June 25, 2026. Takes effect July 27, 2026. printed at 91 FR 38270. amending 12 CFR 702, 12 CFR 791.
Bank watchdogs could weigh a firm's good name. This bars the practice.
What the Rule Says It Does
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.
This is the rule's own summary, as the Federal Register prints it.
The Order It Names
The rule names this order itself. What it does about it is a reading, and none is recorded here.
How This Rule Is Quoted
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