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NCUA Bans Reputation Risk in Supervision; FDA Files Flour Irradiation Petition

Two federal agencies take distinct regulatory actions: the NCUA finalizes a rule removing reputation risk from its supervisory framework, while the FDA files a petition that could authorize irradiation of raw enriched wheat flour.

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NCUA: Reputation Risk Eliminated from Credit Union Supervision

The National Credit Union Administration has issued a final rule prohibiting the use of reputation risk in its supervisory framework, effective July 27, 2026. The rule amends 12 CFR parts 702 and 791 and covers administrative practice and procedure, banks and banking, credit unions, and reporting and recordkeeping requirements.

According to the rule, the NCUA ceased examining for reputation risk effective September 25, 2025 — before the final rule's publication. The agency's October 21, 2025 Notice of Proposed Rulemaking initiated the formal process to codify that change. The final rule affirms, as the document states, 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. The rule aligns with Executive Order 14331, "Guaranteeing Fair Banking for All Americans," as cited in the document.

FDA: Petition Filed for Irradiation of Raw Enriched Wheat Flour

The Food and Drug Administration has announced the filing of a food additive petition submitted by Sterigenics U.S., LLC. The petition, filed on June 5, 2026, proposes that FDA amend its food additive regulations under 21 CFR part 179 to provide for the safe use of ionizing radiation for the reduction of pathogens in raw enriched wheat flour. The FDA's announcement is a notification of petition — meaning the agency has accepted the petition for filing and the regulatory review process is now underway; no final action has been taken.

What to Watch

  • July 27, 2026: NCUA final rule on prohibition of reputation risk becomes effective.
  • Ongoing: FDA review of the Sterigenics U.S., LLC food additive petition proposing ionizing radiation use in raw enriched wheat flour under 21 CFR part 179.

Related

Sources

10 cited

Every hard fact above is grounded in and cited to a primary source record.

  1. Effective September 25, 2025, the NCUA ceased examining for reputation risk.

    federalregister.gov

  2. The NCUA final rule prohibiting the use of reputation risk is effective on July 27, 2026.

    federalregister.gov

  3. The final rule amends 12 CFR parts 702 and 791.

    federalregister.gov

  4. The final rule affirms 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.

    federalregister.gov

  5. The NCUA rule aligns with Executive Order 14331, 'Guaranteeing Fair Banking for All Americans.'

    federalregister.gov

  6. The FDA announced the filing of a food additive petition submitted by Sterigenics U.S., LLC.

    federalregister.gov

  7. The food additive petition was filed on June 5, 2026.

    federalregister.gov

  8. The petition proposes that FDA amend its food additive regulations to provide for the safe use of ionizing radiation for the reduction of pathogens in raw enriched wheat flour.

    federalregister.gov

  9. The petition concerns amendments to 21 CFR part 179.

    federalregister.gov

  10. On October 21, 2025, the NCUA issued its Notice of Proposed Rulemaking to codify the elimination of reputation risk from its supervisory framework.

    federalregister.gov

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