Holiday schedules, banking days, market trading hours, and official observance rules under 5 U.S.C. § 6103 & Federal Reserve Operating Circular No. 4.
No nationwide statutory holiday is gazetted for today. Commercial banking windows, federal offices, and financial markets operate on regular schedules.
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Official public holidays, bank rest dates, and statutory observances under 5 U.S.C. § 6103 & Federal Reserve Operating Circular No. 4
| Date | Holiday Observance | Jurisdiction Scope | Statutory Status |
|---|---|---|---|
| 2026-01-01 | New Year's Day | Federal Statutory | Gazetted |
| 2026-01-19 | Martin Luther King Jr. Day | Federal Statutory | Gazetted |
| 2026-02-16 | Presidents' Day | Federal Statutory | Gazetted |
| 2026-05-25 | Memorial Day | Federal Statutory | Gazetted |
| 2026-06-19 | Juneteenth National Independence Day | Federal Statutory | Gazetted |
| 2026-07-04 | Independence Day | Federal Statutory | Gazetted |
| 2026-09-07 | Labor Day | Federal Statutory | Gazetted |
| 2026-10-12 | Columbus Day | Federal Statutory | Gazetted |
| 2026-11-11 | Veterans Day | Federal Statutory | Gazetted |
| 2026-11-26 | Thanksgiving Day | Federal Statutory | Gazetted |
| 2026-12-25 | Christmas Day | Federal Statutory | Gazetted |
In the United States, there is no single national law requiring private businesses to close or pay extra on holidays. Congress designates federal holidays under 5 U.S.C. § 6103, but that statute strictly applies to federal government agencies, military administrative branches, and the District of Columbia. Commercial businesses, banks, and schools decide their schedules through separate regulations, market conventions, and employment contracts.
Under the Fair Labor Standards Act (FLSA), private employers are not required to provide paid days off on holidays or pay extra (such as time-and-a-half) unless guaranteed in an employment contract, handbook, or union agreement. Regular overtime rules only trigger when total weekly hours exceed 40.
The New York Stock Exchange (NYSE) and NASDAQ observe 9 full holidays per year. On Columbus Day and Veterans Day, equity trading remains active, while the U.S. Bond Market (SIFMA) and Federal Reserve wire systems pause.
Commercial banks align branch schedules with the Federal Reserve system under Operating Circular No. 4. When regional Reserve banks pause clearing on federal holidays, ACH batches and direct deposits roll forward to the next business day. ATMs and mobile apps operate normally.
State-Specific Holidays: Individual states have the power to create holidays not on the federal calendar. For instance, Massachusetts and Maine observe Patriots' Day in April, California observes Cesar Chavez Day in March, and Texas recognizes several state-specific "skeleton workforce" days. State courtrooms and DMVs close on these dates while federal agencies and Wall Street remain open.
Public holiday observance in United States is codified under 5 U.S.C. § 6103 & Federal Reserve Operating Circular No. 4. This page checks local calendar dates in real time to verify whether today is a scheduled public holiday, standard weekend, or regular business day.
Government offices close on official statutory holidays. Commercial banks and postal delivery networks follow central bank schedules and industry operating calendars. School schedules are determined by local municipal or provincial education authorities.
Trading desks and settlement cycles on NYSE & NASDAQ operate standard hours on non-holiday business days. Sessions pause on weekends and designated exchange market holidays.
Under statutory common law provisions, when an official calendar holiday falls on a Sunday, the following Monday is designated as an observed substitute holiday. If a holiday falls on a Saturday, federal employees and financial institutions observe the preceding Friday pursuant to 5 U.S.C. § 6103(a).
Practical information on labor rules, weekend substitution laws, and time-off planning
Explore 5 U.S.C. § 6103 federal substitution rules, private employer obligations, UK bank holidays in lieu, and shift worker rights.
Clear breakdowns of statutory holiday pay, market trading schedules, and leave planning strategies across 32 sovereign jurisdictions.
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