NCUA Seeks Comments on Credit Union Paperwork Rules
Published Date: 7/16/2026
Notice
Summary
The National Credit Union Administration (NCUA) is asking for public comments as it renews important paperwork rules for credit unions. These rules help make sure credit unions clearly share info about extra insurance and low-income member status. If you’re involved with a credit union, your feedback by September 14, 2026, can help shape these rules without adding extra costs or hassle.
Analyzed Economic Effects
3 provisions identified: 3 benefits, 0 costs, 0 mixed.
Required account fee and APY disclosures
Credit unions must provide specific Truth in Savings disclosures when an account is opened, when a disclosed term changes or a term account is near renewal, on periodic statements, in advertisements, and upon a member's or prospective member's request. Periodic statements must show fees imposed, the annual percentage yield (APY) earned during those statement periods, and other account terms (12 CFR part 707). The estimated total annual burden hours for this collection is 298,563.
Mortgage lending data remains public
Credit unions will continue to collect and report Home Mortgage Disclosure Act (HMDA) loan data so the public can see whether institutions serve local housing needs, public officials can target public-sector investments to attract private investment, and possible discriminatory lending patterns can be identified and enforced against. The estimated total annual burden hours for this collection is 145,886 (12 CFR 1003).
Clear ads for excess insurance
If your credit union offers excess account insurance, its advertising that mentions account insurance must state the type and amount of the excess insurance, the name of the insurance carrier, and that the carrier is not affiliated with the NCUSIF or the Federal Government (per 12 CFR 740.3).
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Key Dates
Department and Agencies
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