On December 23, 2025, the NCUA announced the second round of proposed regulatory changes associated with NCUA’s Deregulation Project. The NCUA issued the first set of proposed rules earlier this month.
The agency's Deregulation Project seeks to eliminate or revise regulations that are outdated, excessively burdensome, redundant, or merely advisory. The second set of proposals focuses on clarifying agency guidance and removing any requirements in the Code of Federal Regulations that are unduly burdensome or no longer relevant.
The four proposals include:
Changes for Surety and Guarantor Requirements [12 CFR 701.20(c)(3) and 701.20(d)]. NCUA is proposing changes to segregated deposit and collateral requirements.
Changes for Limits on Loans to Other Credit Unions [12 CFR 701.25(b)]. NCUA is proposing to remove a requirement that is duplicative of statute and unduly burdensome regarding loans to credit unions.
Changes for Catastrophic Reporting [12 CFR 748.1(b)]. NCUA is proposing changes related to catastrophic act reporting.
Changes for Accuracy of Advertising and Notice of Insured Status [12 CFR 740.0 and 740.5]. NCUA is proposing to remove overly prescriptive, obsolete requirements related to advertising.
The NCUA is requesting comments on the proposed rules.
Read the NCUA’s announcement here.