Credit Union Regulatory Guidance Including: NCUA, CFPB, FDIC, OCC, FFIEC

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Hello, this is Samantha Shares. This episode covers NCUA’s reopening the public comment period on two recently finalized rules that haven’t fully taken effect yet.

 

This podcast is educational and is not legal advice.  We are sponsored by Credit Union Exam Solutions Incorporated, whose team has over two hundred and Forty years of National Credit Union  Administration experience.  We assist our clients with N C U A so they save time and money.  If you are worried about a recent, upcoming or in process N C U A examination, reach out to learn how they can assist at Mark Treichel DOT COM.  Also check out our other podcast called With Flying Colors where we provide tips on how to achieve success with N C U A.

Today, we’re diving into an important update from the National Credit Union Administration. This update comes straight from the April twenty-third Federal Register. If you’re a board member, executive, or compliance officer, you’ll want to pay close attention.

On April twenty-third, the NCUA announced something a little unusual—they are reopening the public comment period on two recently finalized rules that haven’t fully taken effect yet. Here’s why this matters.

Earlier this year, the White House issued what’s called a “Regulatory Freeze Pending Review.” In plain English, that means federal agencies were asked to hit pause and review any major new rules that hadn’t already kicked in. NCUA, just like other agencies, is now inviting the public—yes, that means you—to weigh in again on two big rules.

The first is called Simplification of Share Insurance. This rule was finalized back in September twenty twenty-four and is scheduled to fully take effect December first, twenty twenty-six. The goal is to make NCUA’s share insurance rules simpler and clearer for both credit unions and your members. With this new comment window, you have another chance to raise questions, flag concerns, or support the parts of the rule you think are working.

The second rule is about Succession Planning. This one was finalized in December twenty twenty-four and is set to take effect January first, twenty twenty-six. It’s designed to make sure credit unions have solid plans in place for leadership succession—a big deal, especially for smaller credit unions and those with retiring executives. This new comment period is your opportunity to share whether you think the rule strikes the right balance, or if it creates any challenges for your operations.

So how can you submit your comments? You have until June twenty-third, twenty twenty-five. You can go online to regulations dot gov and look up the docket numbers for each rule, or send your comments to the NCUA Secretary in Alexandria, Virginia. If you’re old school, you can even hand deliver them.

You might be thinking, didn’t we already comment on these rules? Yes, many did—but this is a second bite at the apple, thanks to the new administration’s regulatory review. If your credit union has operational concerns, needs more clarity, or has suggestions for how the rules are implemented, now is your chance to be heard.

Here are your quick takeaways. NCUA is actively seeking comments on the share insurance simplification and succession planning rules, both of which are set to take effect in twenty twenty-six. The deadline for comments is June twenty-third, twenty twenty-five. Your feedback could help shape how these rules roll out, or even whether they proceed as planned.

That’s it for today’s update. We’ll keep you posted on any new developments and what they mean for your credit union. If you have questions or want to share how your credit union is preparing for these changes, send us a note—we might feature your insights in a future episode.

Thanks for tuning in  Stay informed, stay compliant, and stay ahead.

If your Credit union could use assistance with your exam, reach out to Mark Treichel on LinkedIn, or at mark Treichel dot com.  This is Samantha Shares and we Thank you for listening.

 

 



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What is Credit Union Regulatory Guidance Including: NCUA, CFPB, FDIC, OCC, FFIEC?

This podcast provides you the ability to listen to new regulatory guidance issued by the National Credit Union Administration, and occasionally the F D I C, the O C C, the F F I E C, or the C F P B. We will focus on new and material agency guidance, and historically important and still active guidance from past years that NCUA cites in examinations or conversations. This podcast is educational only and is not legal advice. We are sponsored by Credit Union Exam Solutions Incorporated. We also have another podcast called With Flying Colors where we provide tips for achieving success with the N C U A examination process and discuss hot topics that impact your credit union.

Samantha: Hello, this is Samantha Shares.

This episode covers NCUA’s reopening
the public comment period on two

recently finalized rules that
haven’t fully taken effect yet.

This podcast is educational
and is not legal advice.

We are sponsored by Credit Union
Exam Solutions Incorporated, whose

team has over two hundred and
Forty years of National Credit

Union Administration experience.

We assist our clients with N C
U A so they save time and money.

If you are worried about a recent,
upcoming or in process N C U A

examination, reach out to learn how they
can assist at Mark Treichel DOT COM.

Also check out our other podcast called
With Flying Colors where we provide tips

on how to achieve success with N C U A.

Today, we’re diving into an
important update from the National

Credit Union Administration.

This update comes straight from the
April twenty-third Federal Register.

If you’re a board member, executive,
or compliance officer, you’ll

want to pay close attention.

On April twenty-third, the NCUA announced
something a little unusual—they are

reopening the public comment period
on two recently finalized rules

that haven’t fully taken effect yet.

Here’s why this matters.

Earlier this year, the White
House issued what’s called a

“Regulatory Freeze Pending Review.”

In plain English, that means federal
agencies were asked to hit pause

and review any major new rules
that hadn’t already kicked in.

NCUA, just like other agencies, is now
inviting the public—yes, that means

you—to weigh in again on two big rules.

The first is called
Simplification of Share Insurance.

This rule was finalized back in
September twenty twenty-four and

is scheduled to fully take effect
December first, twenty twenty-six.

The goal is to make NCUA’s share
insurance rules simpler and clearer for

both credit unions and your members.

With this new comment window, you have
another chance to raise questions,

flag concerns, or support the parts
of the rule you think are working.

The second rule is about
Succession Planning.

This one was finalized in December
twenty twenty-four and is set to take

effect January first, twenty twenty-six.

It’s designed to make sure credit
unions have solid plans in place for

leadership succession—a big deal,
especially for smaller credit unions

and those with retiring executives.

This new comment period is your
opportunity to share whether you

think the rule strikes the right
balance, or if it creates any

challenges for your operations.

So how can you submit your comments?

You have until June
twenty-third, twenty twenty-five.

You can go online to regulations dot
gov and look up the docket numbers for

each rule, or send your comments to the
NCUA Secretary in Alexandria, Virginia.

If you’re old school, you
can even hand deliver them.

You might be thinking, didn’t we
already comment on these rules?

Yes, many did—but this is a second
bite at the apple, thanks to the new

administration’s regulatory review.

If your credit union has
operational concerns, needs more

clarity, or has suggestions for
how the rules are implemented,

now is your chance to be heard.

Here are your quick takeaways.

NCUA is actively seeking comments on
the share insurance simplification

and succession planning rules,
both of which are set to take

effect in twenty twenty-six.

The deadline for comments is June
twenty-third, twenty twenty-five.

Your feedback could help shape
how these rules roll out, or even

whether they proceed as planned.

That’s it for today’s update.

We’ll keep you posted on any
new developments and what they

mean for your credit union.

If you have questions or want to share
how your credit union is preparing for

these changes, send us a note—we might
feature your insights in a future episode.

Thanks for tuning in.

Stay informed, stay
compliant, and stay ahead.

If your Credit union could use assistance
with your exam, reach out to Mark Treichel

on LinkedIn, or at mark Treichel dot com.

This is Samantha Shares and
we Thank you for listening.