X0202 SCHEDULE 13D/A 0000070858 XXXXXXXX LIVE 5 MUNIFUND PREFERRED SHARES 09/30/2026 false 0001774342 670663301 Nuveen Municipal Credit Opportunities Fund

333 WEST WACKER DR. CHICAGO IL 60606

Bank of America Corporation 980-825-9256 Bank of America Corporate Center 100 N. Tryon Street Charlotte NC 28255 0000070858 N BANK OF AMERICA CORP /DE/ b WC Y DE 0.00 2050.00 0.00 2050.00 2050.00 N 50.7 HC 0001565450 N Banc of America Preferred Funding Corp b WC N DE 0.00 2050.00 0.00 2050.00 2050.00 N 50.7 CO MUNIFUND PREFERRED SHARES Nuveen Municipal Credit Opportunities Fund 333 WEST WACKER DR. CHICAGO IL 60606 This Amendment No. 5 (this "Amendment") amends, as set forth below, the statement on Schedule 13D, dated December 26, 2019 and filed with the SEC on December 31, 2019, (as amended to the date hereof, the "Original Schedule 13D"), for Bank of America Corporation ("BAC") and Banc of America Preferred Funding Corporation ("BAPFC") (collectively, the "Reporting Persons") with respect to the munifund preferred shares ("MFP Shares") of Nuveen Municipal Credit Opportunities Fund (the "Issuer"). This Amendment is being filed in relation to the amendment to the Initial Series B MuniFund Preferred Shares (MFP) Purchase Agreement, as amended, dated December 30, 2019 (the "MFP Purchase Agreement"), relating to the MFP Shares of the Issuer. Item 2(c) of the Original Schedule 13D is hereby amended by deleting Schedule I referenced therein and replacing it with Schedule I included with this Amendment. Item 2(d) of the Original Schedule 13D is hereby amended by deleting Schedule II referenced therein and replacing it with Schedule II included with this Amendment. Item 6 of the Original Schedule 13D is hereby amended by adding the following at the end thereof: Effective as of September 30, 2026, the MFP Purchase Agreement, dated as of December 30, 2019, has been further amended by the Nuveen Municipal Credit Opportunities Fund (the Fund) Initial Series B MuniFund Preferred Shares (MFP) Purchase Agreement Covenant Modifications, dated September 30, 2026. Item 7 of the Original Schedule 13D is hereby amended by deleting Exhibit 99.1 and Exhibit 99.2 thereto and the insertion of the following exhibits: Exhibit Description of Exhibit 99.1 Joint Filing Agreement 99.2 Power of Attorney 99.6 Schedule I 99.7 Schedule II 99.8 Initial Series B MuniFund Preferred Shares (MFP) Purchase Agreement Covenant Modifications, dated September 30, 2026 BANK OF AMERICA CORP /DE/ Andres Ortiz 10/02/2026 Banc of America Preferred Funding Corp Andres Ortiz 10/02/2026