National Bank Non-Interest Charges and Fees – Interim Final Rule

April 29, 2026 / Source: Office of the Comptroller of the Currency (OCC), Treasury.

The OCC is adopting an interim final rule to clarify that national banks’ power to charge non-interest charges and fees includes the power to assess, collect, impose, levy, receive, reserve, take, or otherwise obtain non-interest charges and fees, including interchange fees from credit and debit card operations. Further, the interim final rule explains that national banks may charge non-interest charges or fees, even when such charges and fees are set by or in consultation with third parties. The OCC invites public comments on this interim final rule.

The interim final rule is effective June 30, 2026. Comments on the interim final rule must be received on or before May 29, 2026.