# 2026-12787: Regulators Set Joint Financial-Data Format Standards

2026-12787, Financial Data Transparency Act Joint Data Standards, is a Federal Register rule from Treasury Department, Comptroller of the Currency, Federal Reserve System, Federal Deposit Insurance Corporation, National Credit Union Administration, Consumer Financial Protection Bureau, Federal Housing Finance Agency, Commodity Futures Trading Commission, Securities and Exchange Commission published 2026-06-25, effective 2026-10-01; deemed significant under Executive Order 12866 (as of 2026-07-02).

- Canonical: https://policyrisk.com/federal-register/2026-12787
- As of: 2026-07-02
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2026-12787
- Title: Financial Data Transparency Act Joint Data Standards
- Type: Rule
- Agencies: Treasury Department; Comptroller of the Currency; Federal Reserve System; Federal Deposit Insurance Corporation; National Credit Union Administration; Consumer Financial Protection Bureau; Federal Housing Finance Agency; Commodity Futures Trading Commission; Securities and Exchange Commission
- Citation: 91 FR 38246
- Published: 2026-06-25
- Effective: 2026-10-01
- Comments close: not stated
- Significant: yes (FR_METADATA)
- Touches household money: no
- Regulation identifier numbers: 1505-AC86, 1557-AF22, 2590-AB38, 3038-AF43, 3064-AF96, 3133-AF70, 3170-AB20, 3235-AN32, 7100 AG79
- Last updated: 2026-07-02

## In one line

Regulators Set Joint Financial-Data Format Standards

## Summary

Starting October 1, 2026, several big financial agencies are teaming up to create shared data rules that make financial info easier to share and understand across the government. This won’t change what companies have to report just yet, but it sets the stage for smoother, smarter data handling in the future. If you work with banks, credit unions, or financial regulators, get ready for clearer, more connected data soon!

## Abstract

The OCC, Board, FDIC, NCUA, CFPB, FHFA, CFTC, SEC, and Treasury are publishing a final joint rule to establish data standards to promote interoperability of financial regulatory data across these agencies. The standards established pursuant to this joint rule will later be considered for potential incorporation (to the extent feasible) into data standards to be adopted for certain collections of information in separate rulemakings by the agencies or through other actions taken by the agencies. At the effective date, the joint rule will not change any reporting requirements without further action by the agencies. The agencies are publishing this joint rule as required by the Financial Data Transparency Act of 2022.

## Effects PRIA read

No economic effects identified for this document.

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## Sources
- [2026-12787 on federalregister.gov](https://www.federalregister.gov/documents/2026/06/25/2026-12787/financial-data-transparency-act-joint-data-standards)
- [2026-12787 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2026-06-25/pdf/2026-12787.pdf)

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Source: PRIA, https://policyrisk.com/federal-register/2026-12787 (as of 2026-07-02).