OCCGeneralApril 24, 2026

OCC Interim Rule Clarifies National Banks' Authority to Charge Payment Card Interchange Fees

The OCC has issued an interim final rule amending its regulation on national bank non-interest charges and fees to explicitly confirm that national banks may charge non-interest fees — including interchange fees from payment card activity — even when those fees are set by a third party rather than the bank itself. This is relevant to banks and fintechs involved in payment card programs, including crypto debit and prepaid card products, where fee structures may be determined by card networks or program managers. Compliance officers should assess whether current fee disclosures and program agreements align with the clarified rule, and note that a public comment period is open.

What to do

Review your payment card program agreements and fee disclosure documents to confirm alignment with the interim final rule's clarified standards, and consider submitting comments before the 30-day comment deadline closes.

Who this affects

Bank / Credit UnionPayments CompanyFintech / NeobankMoney Services Business

Does this affect your program?

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Source

Read the official publication

This radar entry is educational and does not constitute legal advice. Summaries are AI-assisted and grounded in the linked official source; always verify against the primary source and consult qualified legal counsel for jurisdiction-specific guidance.

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