{
  "tool": "Bank holidays 2026–2027 and bank business day calculator",
  "url": "https://tidyfact.com/en-us/bank-holidays-calculator/",
  "locale": "en-US",
  "description": "Federal Reserve bank holidays for 2026 and 2027, a date checker for the Federal Reserve Banks, USPS, NYSE, the bond market and federal offices, and a calculator that adds N Fed business days and lists the days it skips.",
  "updated": "2026-10-27",
  "factcheck": {
    "by": "claude:claude-opus-5-5",
    "date": "2026-10-27"
  },
  "review": "Facts checked against the listed official sources by an independent AI agent (claude:claude-opus-5-5, 2026-10-27). No human reviewed this page.",
  "license": {
    "name": "CC BY 4.0",
    "url": "https://creativecommons.org/licenses/by/4.0/"
  },
  "attribution": "TidyFact, Bank holidays 2026–2027 and bank business day calculator, https://tidyfact.com/en-us/bank-holidays-calculator/",
  "facts": [
    {
      "label": "Weekdays the Federal Reserve Banks close, 2026",
      "value": 10,
      "unit": "days",
      "display": "10 days",
      "validFrom": "2026-01-01",
      "validUntil": "2026-12-31",
      "asOf": "2026-10-27",
      "source": {
        "title": "K.8 – Holidays Observed by the Federal Reserve System 2026-2030 (last update July 8, 2026)",
        "url": "https://www.federalreserve.gov/aboutthefed/k8.htm",
        "publisher": "Board of Governors of the Federal Reserve System",
        "checked": "2026-10-27"
      }
    },
    {
      "label": "Weekdays the Federal Reserve Banks close, 2027",
      "value": 9,
      "unit": "days",
      "display": "9 days",
      "validFrom": "2027-01-01",
      "validUntil": "2027-12-31",
      "asOf": "2026-10-27",
      "source": {
        "title": "K.8 – Holidays Observed by the Federal Reserve System 2026-2030 (last update July 8, 2026)",
        "url": "https://www.federalreserve.gov/aboutthefed/k8.htm",
        "publisher": "Board of Governors of the Federal Reserve System",
        "checked": "2026-10-27"
      }
    },
    {
      "label": "Holiday on a Saturday",
      "formula": "Federal Reserve Banks open the Friday before; the Board of Governors is closed",
      "asOf": "2026-10-27",
      "source": {
        "title": "K.8 – Holidays Observed by the Federal Reserve System 2026-2030 (last update July 8, 2026)",
        "url": "https://www.federalreserve.gov/aboutthefed/k8.htm",
        "publisher": "Board of Governors of the Federal Reserve System",
        "checked": "2026-10-27"
      }
    },
    {
      "label": "Holiday on a Sunday",
      "formula": "All Federal Reserve offices closed the Monday after",
      "asOf": "2026-10-27",
      "source": {
        "title": "K.8 – Holidays Observed by the Federal Reserve System 2026-2030 (last update July 8, 2026)",
        "url": "https://www.federalreserve.gov/aboutthefed/k8.htm",
        "publisher": "Board of Governors of the Federal Reserve System",
        "checked": "2026-10-27"
      }
    },
    {
      "label": "Fed open, federal offices closed (2026–2027)",
      "formula": "July 3, 2026; June 18, 2027; December 24, 2027; December 31, 2027",
      "asOf": "2026-10-27",
      "source": {
        "title": "K.8 – Holidays Observed by the Federal Reserve System 2026-2030 (last update July 8, 2026)",
        "url": "https://www.federalreserve.gov/aboutthefed/k8.htm",
        "publisher": "Board of Governors of the Federal Reserve System",
        "checked": "2026-10-27"
      }
    },
    {
      "label": "Independence Day 2027 (Sunday)",
      "formula": "Fed closed Monday, July 5, 2027",
      "asOf": "2026-10-27",
      "source": {
        "title": "K.8 – Holidays Observed by the Federal Reserve System 2026-2030 (last update July 8, 2026)",
        "url": "https://www.federalreserve.gov/aboutthefed/k8.htm",
        "publisher": "Board of Governors of the Federal Reserve System",
        "checked": "2026-10-27"
      }
    },
    {
      "label": "Federal employees, Saturday or Sunday holiday",
      "formula": "Saturday holiday observed the Friday before; Sunday holiday the Monday after",
      "asOf": "2026-10-27",
      "source": {
        "title": "Federal Holidays: 2026, 2027 and 2028 holiday schedules (5 U.S.C. 6103)",
        "url": "https://www.opm.gov/policy-data-oversight/pay-leave/federal-holidays/",
        "publisher": "U.S. Office of Personnel Management",
        "checked": "2026-10-27"
      }
    },
    {
      "label": "NYSE on Columbus Day and Veterans Day",
      "formula": "Open (not NYSE holidays in 2026 and 2027)",
      "asOf": "2026-10-27",
      "source": {
        "title": "Holidays & Trading Hours (2026, 2027 and 2028)",
        "url": "https://www.nyse.com/markets/hours-calendars",
        "publisher": "New York Stock Exchange",
        "checked": "2026-10-27"
      }
    },
    {
      "label": "NYSE early close",
      "formula": "1:00 p.m. ET on November 27, 2026, December 24, 2026 and November 26, 2027",
      "asOf": "2026-10-27",
      "source": {
        "title": "Holidays & Trading Hours (2026, 2027 and 2028)",
        "url": "https://www.nyse.com/markets/hours-calendars",
        "publisher": "New York Stock Exchange",
        "checked": "2026-10-27"
      }
    },
    {
      "label": "SIFMA bond market early close before holidays",
      "formula": "2:00 p.m. ET (Good Friday 2026: 12:00 p.m. ET)",
      "asOf": "2026-10-27",
      "source": {
        "title": "Holiday Schedule: U.S. holiday recommendations 2026 and 2027",
        "url": "https://www.sifma.org/resources/general/holiday-schedule/",
        "publisher": "SIFMA",
        "checked": "2026-10-27"
      }
    },
    {
      "label": "USPS 2027 holidays",
      "formula": "Not yet published; USPS lists 2026 only",
      "asOf": "2026-10-27",
      "source": {
        "title": "Holidays and events: 2026 holidays",
        "url": "https://about.usps.com/newsroom/events/",
        "publisher": "United States Postal Service",
        "checked": "2026-10-27"
      }
    },
    {
      "label": "Business-day counting",
      "formula": "Start date does not count; Saturdays, Sundays and Fed holidays are skipped",
      "asOf": "2026-10-27",
      "source": {
        "title": "K.8 – Holidays Observed by the Federal Reserve System 2026-2030 (last update July 8, 2026)",
        "url": "https://www.federalreserve.gov/aboutthefed/k8.htm",
        "publisher": "Board of Governors of the Federal Reserve System",
        "checked": "2026-10-27"
      }
    }
  ],
  "sources": [
    {
      "title": "K.8 – Holidays Observed by the Federal Reserve System 2026-2030 (last update July 8, 2026)",
      "url": "https://www.federalreserve.gov/aboutthefed/k8.htm",
      "publisher": "Board of Governors of the Federal Reserve System",
      "checked": "2026-10-27"
    },
    {
      "title": "Holiday Schedules: 2026 – 2030 holiday schedule and 2026 FedACH holiday schedule",
      "url": "https://www.frbservices.org/about/holiday-schedules",
      "publisher": "Federal Reserve Financial Services",
      "checked": "2026-10-27"
    },
    {
      "title": "Federal Holidays: 2026, 2027 and 2028 holiday schedules (5 U.S.C. 6103)",
      "url": "https://www.opm.gov/policy-data-oversight/pay-leave/federal-holidays/",
      "publisher": "U.S. Office of Personnel Management",
      "checked": "2026-10-27"
    },
    {
      "title": "Holidays and events: 2026 holidays",
      "url": "https://about.usps.com/newsroom/events/",
      "publisher": "United States Postal Service",
      "checked": "2026-10-27"
    },
    {
      "title": "Holidays & Trading Hours (2026, 2027 and 2028)",
      "url": "https://www.nyse.com/markets/hours-calendars",
      "publisher": "New York Stock Exchange",
      "checked": "2026-10-27"
    },
    {
      "title": "Holiday Schedule: U.S. holiday recommendations 2026 and 2027",
      "url": "https://www.sifma.org/resources/general/holiday-schedule/",
      "publisher": "SIFMA",
      "checked": "2026-10-27"
    },
    {
      "title": "U.S. Equity and Options Markets Holiday Schedule 2026",
      "url": "https://www.nasdaqtrader.com/trader.aspx?id=calendar",
      "publisher": "Nasdaq Trader",
      "checked": "2026-10-27"
    },
    {
      "title": "What is ACH?: Quick Facts About the Automated Clearing House (ACH) Network",
      "url": "https://www.nacha.org/content/what-is-ach",
      "publisher": "Nacha",
      "checked": "2026-10-27"
    }
  ]
}