# 2026-16027: Credit Unions Ditch Deposit Segregation for Surety Freedom (7 words)

2026-16027, Suretyship and Guaranty; Segregated Deposit and Collateral, 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/2026-16027
- As of: 2026-08-13
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2026-16027
- Title: Suretyship and Guaranty; Segregated Deposit and Collateral
- Type: Rule
- Agencies: National Credit Union Administration
- Citation: 91 FR 50661
- Published: 2026-08-06
- Effective: 2026-09-08
- Comments close: not stated
- Significant: no
- Touches household money: yes
- Regulation identifier numbers: 3133-AF80
- Last updated: 2026-08-13

## In one line

Credit Unions Ditch Deposit Segregation for Surety Freedom (7 words)

## Summary

The NCUA Board (Board) is amending its regulations to eliminate prescriptive segregated deposit and collateral requirements for suretyship and guaranty agreements. By removing these requirements, the Board is authorizing federally insured credit unions (FICUs) acting as sureties and guarantors to design products that address member needs while maintaining safety and soundness standards. Federal credit unions (FCUs), and federally insured, state-chartered credit unions (FISCUs) if permitted under state law to act as a surety or guarantor, continue to be subject to other requirements related to these arrangements, including the applicable lending regulations. The final rule follows publication of the December 29, 2025, proposed rule, and takes into consideration the public comments received.

## Effects PRIA read

- NCUA removes prescriptive collateral rules: benefit, medium. Starting September 8, 2026, the NCUA removed the specific requirement that federally insured credit unions keep segregated deposits or follow detailed collateral formulas when they act as a surety or guarantor under 12 CFR 701.20. This change lets federally insured credit unions design these produc…
- Safety limits stay in place: benefit, low. Even after the change, any surety or guaranty must still limit the credit union's obligation to a fixed dollar amount and a specified duration, and the credit union's performance must create a loan that follows the applicable lending rules. These remaining rules keep safety and soundness protection…
- Small credit unions may see lower costs: benefit, low. NCUA says removing the segregated deposit and collateral rules may reduce compliance burdens, simplify arrangements, and lower supervision or examination costs for small federal and state credit unions that are permitted to act as sureties or guarantors. The agency also certified the rule will not…

## 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
- [2026-16027 on federalregister.gov](https://www.federalregister.gov/documents/2026/08/06/2026-16027/suretyship-and-guaranty-segregated-deposit-and-collateral)
- [2026-16027 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2026-08-06/pdf/2026-16027.pdf)

## Related
- [Previous: 2026-16026, Termination of Excess Insurance Coverage](https://policyrisk.com/federal-register/2026-16026)
- [Next: 2026-16028, Chartering and Field of Membership for Federal Credit Unions-Interpretive Rulin…](https://policyrisk.com/federal-register/2026-16028)
- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2026-16027 (as of 2026-08-13).