NR 2025-98 Agencies Issue Proposal to Prohibit Use of Reputation Risk by Regulators
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Research, not advice. Part of the Bitcoin research archive (October 2026). Claims labelled unverified, contested or fringe are reported, not endorsed; statuses of bills and rules are as of the date checked. Government, court and patent records are public domain; the research notes are CC BY 4.0.
Agencies Issue Proposal to Prohibit Use of Reputation Risk by Regulators | OCC
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News Release 2025-98
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October 7, 2025
Agencies Issue Proposal to Prohibit Use of Reputation Risk by Regulators
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Joint Release
Federal Deposit Insurance Corporation
Office of the Comptroller of the Currency
Washington, D.C.— The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation (the agencies) today issued a joint notice of proposed rulemaking that would codify the elimination of reputation risk from their supervisory programs.
The proposed rule would define “reputation risk” and prohibit the agencies from criticizing or taking adverse action against an institution on the basis of reputation risk. The proposed rule would also prohibit the agencies from requiring, instructing, or encouraging an institution to close customer accounts or take other actions on the basis of a person or entity’s political, social, cultural, or religious views or beliefs, constitutionally protected speech, or solely on the basis of politically disfavored but lawful business activities perceived to present reputation risk.
This proposed rulemaking would also respond to concerns expressed in Executive Order 14331, Guaranteeing Fair Banking for All Americans, that the use of reputation risk can be a pretext for restricting law-abiding individuals’ and businesses’ access to financial services on the basis of political or religious beliefs or lawful business activities.
Comments on the attached proposal are due 60 days after the date of publication in the Federal Register.
Related Link
Notice of Proposed Rulemaking on Prohibition on Use of Reputation Risk by Regulators (PDF)
Media Contacts
FDIC
Brian Sullivan
(202) 898-6534
OCC
Stephanie Collins
(202) 649-6870
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