Bureaucrats Bump Bank Size Limits to $10 Billion Finally
Published Date: 5/7/2026
Proposed Rule
Summary
The National Credit Union Administration wants to raise the money limits that stop certain people from managing big banks to $10 billion, reflecting how much the banking world has grown since 1996. This change affects bank managers and credit unions, making it easier for bigger institutions to share leaders. Comments on this proposal are open until July 6, 2026, so speak up if you have thoughts!
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Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
Major‑asset Thresholds Raised to $10B
The NCUA proposes raising both major‑assets thresholds in 12 CFR part 711 from $1.5 billion and $2.5 billion to $10 billion. This change would exempt many credit unions from the major‑assets prohibition: as of December 31, 2024, raising the $1.5 billion threshold to $10 billion would have exempted 289 credit unions, and only 20 credit unions reported assets greater than $10 billion and would remain covered. Depository organizations with $10 billion or less would still be subject to the community and RMSA prohibitions.
Removal of Minority/Women Presumption
The NCUA proposes removing the rebuttable presumption in Sec. 711.6(b) that an interlock will not lessen competition when the depository institution seeking to add a management official is controlled or managed by persons who are members of a minority group or women. The proposal would delete paragraph (b)(2) and renumber subsequent paragraphs.
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Key Dates
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