NCUA Seeks Feedback on Credit Union Merger and Privacy Form Renewals
Published Date: 4/16/2026
Notice
Summary
The National Credit Union Administration (NCUA) is asking for public feedback on renewing and updating some paperwork rules about credit union mergers and privacy info. This affects not-for-profit credit unions and aims to keep things clear and fair without adding extra hassle. Comments are due by May 18, 2026, so don’t miss your chance to weigh in!
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Analyzed Economic Effects
4 provisions identified: 3 benefits, 1 costs, 0 mixed.
Mortgage Loan Originator Registration
Employees who act as residential mortgage loan originators must register with the Nationwide Mortgage Licensing System and Registry and obtain a unique identifier under the S.A.F.E. Act and CFPB rules. The NCUA estimates 71,440 respondents, 152,909 total annual responses, 0.5 hours per response, and 80,058 total annual burden hours for this collection.
Credit Union Privacy Notice Rules
If you are a customer of a credit union, Regulation P requires credit unions to give you an initial privacy notice, an annual privacy notice, revised notices when policies change, and a chance to opt out of some information sharing. The NCUA estimates 1,801,750 respondents, 1,801,750 annual responses, 0.27 hours per response, and 485,282 total annual burden hours for this collection.
Reverse Mortgage Risk Guidance
The NCUA will issue guidance to help institutions manage compliance and risks related to reverse mortgage lending and to ensure consumer protection practices address those risks. The collection estimates 12 respondents, 12 total annual responses, 10.6 hours per response, and 128 total annual burden hours.
Privacy Act Access and Consent Collection
NCUA is creating a new collection to verify identities and obtain consent before disclosing records protected under the Privacy Act, to help prevent wrongful disclosure when processing FOIA and Privacy Act requests. The estimate for this new collection is 60 respondents, 60 total annual responses, 0.25 hours per response, and 16 total annual burden hours.
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