Final rule: Prohibition on the Use of Reputation Risk
Agencies: National Credit Union Administration — On October 21, 2025, the Board issued its Notice of Proposed Rulemaking to codify the elimination of reputation risk from its supervisory framework. This change aligns with Executive Order 14331, "Guaranteeing Fair Banking for All Americans." Effective September 25, 2025, the NCUA ceased examining for reputation risk. This final rule affirms that the agency will not consider reputation risk--whether alone or in combination with other factors--in supervisory determinations or other decisions, nor will it take adverse actions on that basis. — [topic:executive order]
Evidence
1 sources- 01https://www.federalregister.gov/documents/2026/06/25/2026-12856/prohibition-on-the-use-of-reputation-risk
Federal Register
trust 0.98“On October 21, 2025, the Board issued its Notice of Proposed Rulemaking to codify the elimination of reputation risk from its supervisory framework. This change aligns with Executive Order 14331, "Guaranteeing Fair Banking for All Americans." Effective September 25, 2025, the NCUA ceased examining for reputation risk. This final rule affirms that the agency…”
Across the aisle
Voices on this issue
Independent voices from different starting points, on the record about this kind of action. The framework grades behavior, not party — these quotes come from people who would say the same thing under any administration.
From the right
“Conservatism is supposed to be about institutions. If you are tearing the institutions down, you are not doing conservatism.”
Adam Kinzinger
Former Republican congressman from Illinois; House Jan 6 Committee member.
Kinzinger has restated this principle across multiple post-2021 appearances. Public statements (consolidated)