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

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NCUA Announces Deregulation Project and First Round of Proposed Regulatory Changes
Stakeholders Are Encouraged to Review Notice of Proposed Rulemaking and Submit Comments
ALEXANDRIA, VA (December 10, 2025) – The National Credit Union Administration today announced the first round of proposed regulatory changes associated with a new initiative to review and potentially revise the agency’s regulations. This initiative, NCUA’s Deregulation Project, follows
This is an external link to a website belonging to another federal agency, private organization, or commercial entity.Executive Order 14192, Unleashing Prosperity Through Deregulation
(Opens new window).
NCUA’s Deregulation Project will involve a comprehensive review of regulations documented in Title 12, Chapter VII of the Code of Federal Regulations. This review will ensure the regulations are focused on the safety, soundness, or resilience of credit unions. Further, NCUA will propose changing or removing regulations that are:
  • Obsolete;
  • Duplicative of statutory requirements;
  • Intended to serve as guidance, not requirements; or
  • Overly burdensome.
In addition to announcing the project, NCUA is requesting comments on four proposals that would clarify agency guidance or eliminate unduly burdensome or obsolete requirements in
This is an external link to a website belonging to another federal agency, private organization, or commercial entity.the Federal Register
(Opens new window).
The four proposals include:

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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 N C U A Announces
Deregulation Project and First

Round of Proposed Regulatory Changes

. The following is an audio
version of that press release.

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.

And now for the press release.

N C U A Announces Deregulation Project and
First Round of Proposed Regulatory Changes

Stakeholders are encouraged
to review Notice of Proposed

Rulemaking and submit comments.

The National Credit Union
Administration today announced the

first round of proposed regulatory
changes associated with a new

initiative to review and potentially
revise the agency’s regulations.

This initiative, N C U A’s
Deregulation Project, follows

Executive Order 14192, Unleashing
Prosperity Through Deregulation.

N C U A’s Deregulation Project
will involve a comprehensive

review of regulations documented
in Title 12, Chapter V I I of

the Code of Federal Regulations.

This review will ensure the regulations
are focused on the safety, soundness,

or resilience of credit unions.

Further, N C U A will propose changing
or removing regulations that are:

Obsolete;

Duplicative of statutory requirements;

Intended to serve as
guidance, not requirements; or

Overly burdensome.

In addition to announcing the
project, N C U A is requesting

comments on four proposals that
would clarify agency guidance or

eliminate unduly burdensome or obsolete
requirements in the federal register.

The four proposals include:

Changes for Corporate Credit
Unions – 12 C F R 704.8

and 704.15

N C U A is proposing to amend its
regulations for corporate credit

unions by removing the requirement
that a corporate credit union’s asset

and liability management committee, A
L C O, must have at least one member

who is also a member of the corporate
credit union’s board of directors.

Changes for Supervisory Committee
Audits and Verifications – 12 C F R 715

N C U A is proposing to amend its
regulations governing supervisory

committee audits to eliminate
unnecessary, redundant, and

overly prescriptive provisions.

Changes for Guidelines for
Safeguarding Member Information

– 12 C F R 748 Appendix A

N C U A is proposing to remove
Appendix A to part 748, guidelines

for safeguarding member information,
from the Code of Federal Regulations.

Changes for Guidance on Response
Programs for Unauthorized Access

to Member Information and Member
Notice – 12 C F R 748 Appendix B

N C U A is proposing to remove Appendix
B to part 748, guidance on response

programs for unauthorized access to
member information and member notice,

from the Code of Federal Regulations.

This concludes the press release.

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