# 2025-00374: Notification of Inflation Adjustments for Civil Money Penalties

2025-00374, Notification of Inflation Adjustments for Civil Money Penalties, is a Federal Register rule from an unnamed agency published 2025-01-10, effective 2025-01-10 (as of 2026-06-11).

- Canonical: https://policyrisk.com/federal-register/2025-00374
- As of: 2026-06-11
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2025-00374
- Title: Notification of Inflation Adjustments for Civil Money Penalties
- Type: Rule
- Agencies: unknown
- Citation: unknown
- Published: 2025-01-10
- Effective: 2025-01-10
- Comments close: not stated
- Significant: no
- Touches household money: no
- Regulation identifier numbers: none
- Last updated: 2026-06-11

## Summary

Starting January 10, 2025, the Office of the Comptroller of the Currency is raising the maximum fines it can charge for certain violations to keep up with inflation. This means anyone facing civil money penalties from the OCC for actions after November 2, 2015, might see higher fines. These updates help keep penalties fair and effective as prices change over time.

## Abstract

This document announces changes to the Office of the Comptroller of the Currency's (OCC) maximum civil money penalties as adjusted for inflation. The inflation adjustments are required to implement the Federal Civil Penalties Inflation Adjustment Act of 1990, as amended by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015.

## Effects PRIA read

- OCC raises civil money penalty caps: cost, high. The Office of the Comptroller of the Currency raised its maximum civil money penalties effective January 10, 2025 for conduct on or after November 2, 2015. The OCC applied the OMB inflation multiplier of 1.02598 to the 2024 maximums to calculate the 2025 amounts.
- Common Tiered penalties increased to three levels: cost, high. For many OCC-administered violations, the 2025 maximum per-day penalty amounts are now Tier 1 = $12,567, Tier 2 = $62,829, and Tier 3 = $2,513,215. These tiered amounts apply to multiple statutes listed in the notice starting January 10, 2025 for conduct on or after November 2, 2015.
- Post-employment restriction penalty set at $413,388: cost, high. The maximum penalty for violating post-employment restrictions (12 U.S.C. 1820(k)(6)(A)(ii)) is $413,388 per violation beginning January 10, 2025 for conduct on or after November 2, 2015. This amount is the 2025 inflation-adjusted cap.
- Securities-related CMPs vary by person type: cost, high. For violations under 15 U.S.C. 78u-2(b), the 2025 maximums differ for natural persons and other persons: Tier 1 natural person = $11,823, Tier 1 other person = $118,225; Tier 2 natural = $118,225, Tier 2 other = $591,127; Tier 3 natural = $236,451, Tier 3 other = $1,182,251. These apply to penaltie…
- Other specific adjusted penalty amounts (appraisal, flood): cost, high. The notice lists other 2025 caps such as Appraisal Independence: first violation $14,435 and subsequent violations $28,866; Flood Insurance violation $2,730. These amounts apply to penalties assessed on or after January 10, 2025 for conduct on or after November 2, 2015.
- Pre-2015 conduct subject to older CMP caps: mixed, low. Penalties assessed for violations that occurred before November 2, 2015 remain subject to the OCC's pre-2015 regulatory maximum amounts rather than these 2025 adjusted caps. The 2025 adjustments apply only to conduct on or after November 2, 2015.

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## Sources
- [2025-00374 on federalregister.gov](https://www.federalregister.gov/documents/2025/01/10/2025-00374/notification-of-inflation-adjustments-for-civil-money-penalties)
- [2025-00374 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2025-01-10/pdf/2025-00374.pdf)

## Related
- [Previous: 2025-00371, Airworthiness Directives; The Boeing Company Airplanes](https://policyrisk.com/federal-register/2025-00371)
- [Next: 2025-00433, Excess Emissions During Periods of Startup, Shutdown, and Malfunction; Partial…](https://policyrisk.com/federal-register/2025-00433)
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Source: PRIA, https://policyrisk.com/federal-register/2025-00374 (as of 2026-06-11).