# National Bank Non-Interest Charges and Fees
> **OCC** · Interim final rule; request for comments. · Published 2026-04-29 · Effective 2026-06-30 · 91 FR 22989
## Document
- **Document number:** 2026-08328
- **Category:** banking-occ
- **Sub-agency:** OCC
- **Federal Register citation:** 91 FR 22989
- **CFR reference:** 12 CFR 7
- **Publication date:** 2026-04-29
- **Effective date:** 2026-06-30
- **Treasury docket:** Docket ID OCC-2026-0430
## 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.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2026/04/29/2026-08328/national-bank-non-interest-charges-and-fees)
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