James White, 33, of Warwickshire, was charged on Sunday with displaying threatening or abusive writing likely to cause harassment, alarm or distress, Scotland Yard said.
The Metropolitan Police shared a photo of the shirt worn by the Manchester United fan, which had the number 97 and the words “Not Enough.”
The police force said White was arrested “after being seen wearing a shirt which appeared to refer in offensive terms to those who died in the Hillsborough tragedy”.
He was bailed to appear at Willesden Magistrates’ Court on Monday, June 19.
On Sunday June 4, the FA said in a statement: “The FA strongly condemns the actions of the individual who wore a shirt referencing the Hillsborough disaster ahead of the Emirates FA Cup Final at Wembley Stadium.
He was arrested after being seen wearing a shirt which appeared to refer in offensive terms to those who died in the Hillsborough tragedy.
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— Metropolitan Police Events (@MetPoliceEvents) June 4, 2023
“We saw a photograph of the offensive shirt on social media and immediately started working to identify the perpetrator.
“Our security team were able to quickly locate the individual based on the image, and we welcome the swift action which was then taken by the police.
“We will not tolerate abuse relating to Hillsborough or any football tragedy at Wembley Stadium and we will continue to work with the authorities to ensure strong action is taken against perpetrators.”
Ninety-seven football fans died as a result of a crush at a match between Liverpool and Nottingham Forest at Hillsborough Stadium in Sheffield on April 15 1989.
An inquest jury ruled in 2016 that they were unlawfully killed amid a number of police errors.