# 2026-16026: Excess Insurance Termination Notices Get Timing Tweak (6 words)

2026-16026, Termination of Excess Insurance Coverage, is a Federal Register rule from National Credit Union Administration published 2026-08-06, effective 2026-09-08; PRIA reads it as touching household money (as of 2026-08-13).

- Canonical: https://policyrisk.com/federal-register/2026-16026
- As of: 2026-08-13
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2026-16026
- Title: Termination of Excess Insurance Coverage
- Type: Rule
- Agencies: National Credit Union Administration
- Citation: 91 FR 50688
- Published: 2026-08-06
- Effective: 2026-09-08
- Comments close: not stated
- Significant: no
- Touches household money: yes
- Regulation identifier numbers: 3133-AF97
- Last updated: 2026-08-13

## In one line

Excess Insurance Termination Notices Get Timing Tweak (6 words)

## Summary

The NCUA Board (Board) is amending its regulations that establish the requirements for obtaining and maintaining federal share insurance with the National Credit Union Share Insurance Fund (Share Insurance Fund). The provisions of this part apply to all federally insured credit unions (FICUs). This final rule will reduce regulatory burden by amending the provision on the timing of prior notice provided to members of the termination of excess non-federal insurance coverage.

## Effects PRIA read

- 30-Day Notice Requirement Removed: benefit, low. The rule removes the prescriptive 30-day prior notice requirement in Sec. 741.5 for terminating excess (non-NCUSIF) share insurance and instead requires federally insured credit unions (FICUs) to notify members in writing before the effective date of termination. The change is intended to give FICU…
- Members Must Be Notified Before Termination: mixed, low. Credit unions must notify all members in writing before any excess private share insurance coverage ends; the rule changes the wording from a 30-day requirement to requiring notice "before the effective date of termination." The Board states this notice requirement applies to optional excess covera…
- Clarifies Coverage Is Optional Excess: benefit, low. The rule and preamble clarify that the notice requirement applies only to optional excess insurance coverage that a credit union purchases from a private insurer above the minimum $250,000 in coverage provided by the National Credit Union Share Insurance Fund (NCUSIF). The Board says any notice abo…
- NCUA Certifies Minimal Small Credit Union Impact: benefit, low. NCUA certifies under the Regulatory Flexibility Act that the final rule will not have a significant economic impact on a substantial number of small credit unions. For this analysis, NCUA defines small credit unions as those having under $100 million in assets.

## Related documents

- [2026-11559](https://policyrisk.com/federal-register/2026-11559): Preemption-Federal Credit Union Non-Interest Charges and Fees, 2026-06-09
- [2026-20729](https://policyrisk.com/federal-register/2026-20729): Proposed Agency Information Collection Activities; Comment Request, 2026-10-09
- [2026-19275](https://policyrisk.com/federal-register/2026-19275): Renewal of Agency Information Collection of a Previously Approved Collection; Request for Comments, 2026-09-21
- [2026-18859](https://policyrisk.com/federal-register/2026-18859): Proposed Third-Party Risk Management Guidance, 2026-09-15
- [2026-17307](https://policyrisk.com/federal-register/2026-17307): Interagency Rescission of the Interagency Statement on Special Purpose Credit Programs Under the Equal Credit Opportunity Act and Regulatio…, 2026-08-25
- [2026-16031](https://policyrisk.com/federal-register/2026-16031): Chartering and Field of Membership for Federal Credit Unions-Interpretive Ruling and Policy Statement 08-2, 2026-08-06

## Sources
- [2026-16026 on federalregister.gov](https://www.federalregister.gov/documents/2026/08/06/2026-16026/termination-of-excess-insurance-coverage)
- [2026-16026 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2026-08-06/pdf/2026-16026.pdf)

## Related
- [Previous: 2026-16024, Chartering and Field of Membership for Federal Credit Unions-Interpretive Rulin…](https://policyrisk.com/federal-register/2026-16024)
- [Next: 2026-16027, Suretyship and Guaranty; Segregated Deposit and Collateral](https://policyrisk.com/federal-register/2026-16027)
- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2026-16026 (as of 2026-08-13).