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Effective Date: National Bank Non-Interest Charges and Fees

AGENCY:

Office of the Comptroller of the Currency (OCC), Treasury.

ACTION:

Interim final rule; request for comments.

SUMMARY:

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.

DATES:

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

https://www.federalregister.gov/documents/2026/04/29/2026-08328/national-bank-non-interest-charges-and-fees

  • June 30, 2026
  • Time: All Day
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