Home / Agencies / Treasury / 2026-08328
Final Rule

National Bank Non-Interest Charges and Fees

Agency
Treasury
Document Number
2026-08328
Published
April 29, 2026
Effective Date
June 30, 2026

Abstract

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.

Federal Register Source

This document is published by the Office of the Federal Register, National Archives and Records Administration. Access the full regulatory text, preamble, and docket comments below.

View Full Text on FederalRegister.gov →

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Frequently Asked Questions

What is the 2026-08328 Federal Register document?
Document 2026-08328 is a Final Rule published by the Department of the Treasury in the Federal Register on April 29, 2026, with an effective date of June 30, 2026. 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. View the original at https://www.federalregister.gov/documents/2026/04/29/2026-08328/national-bank-non-interest-charges-and-fees.
Is document 2026-08328 an economically significant rule?
No. Document 2026-08328 is not classified as economically significant under Executive Order 12866. Economically significant rules require OIRA review and are estimated to have impacts of $100 million or more per year.

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