# 2026-16035: Credit Unions Deregulated on Inter-Loans... But Caps Stay the Same

2026-16035, Limits on Loans to Other Credit Unions, 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/2026-16035
- As of: 2026-08-13
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2026-16035
- Title: Limits on Loans to Other Credit Unions
- Type: Rule
- Agencies: National Credit Union Administration
- Citation: 91 FR 50664
- Published: 2026-08-06
- Effective: 2026-09-08
- Comments close: not stated
- Significant: no
- Touches household money: yes
- Regulation identifier numbers: 3133-AF72
- Last updated: 2026-08-13

## In one line

Credit Unions Deregulated on Inter-Loans... But Caps Stay the Same

## Summary

Starting September 8, 2026, federal credit unions won’t have specific NCUA rules limiting loans to other credit unions, but they still must follow the main law caps. State-chartered credit unions insured by the feds keep following their own rules. This change simplifies the rules but doesn’t change how much money can be loaned overall.

## Abstract

The NCUA Board (Board) is issuing this rule to remove the regulations related to approval and policies on making loans to other credit unions. While this provision will no longer be codified in regulation, federal credit unions remain subject to statutory requirements related to making loans to credit unions. Federally insured, state-chartered credit unions remain subject to any other applicable NCUA or state law or regulation. The final rule follows publication of a December 29, 2025, proposed rule, and takes into consideration the public comments recieved on the proposal.

## Effects PRIA read

- Written Policy Requirement Removed: benefit, low. If you run a federally insured credit union, starting September 8, 2026 you will no longer be required by NCUA regulation to adopt written board approval policies for loans to other credit unions (12 CFR 701.25(b) is removed). You must still follow the underlying statutory requirement that your boa…
- Statutory Loan Caps Still Apply: cost, medium. Even after September 8, 2026, federal credit unions remain subject to statutory loan limits: aggregate loans to other credit unions may not exceed 25 percent of the lending credit union's paid-in and unimpaired capital and surplus, and single-member aggregate borrowing is limited to 10 percent of u…
- State-Chartered FISCUs Still Follow State Law: cost, low. If you are a federally insured, state‑chartered credit union (FISCU), you remain subject to any applicable NCUA or state law or regulation about loans to other credit unions and should consult state law to see if board approval or written policies are required. The federal rescission does not overr…
- Paperwork Burden Reduced by 1,250 Hours: benefit, low. The rescission of 12 CFR 701.25(b) reduces the public information collection burden by an estimated 1,250 annual burden hours under OMB Control Number 3133-0207. NCUA states this change is deregula­tory and estimates reduced compliance time industry‑wide.

## 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
- [2026-16035 on federalregister.gov](https://www.federalregister.gov/documents/2026/08/06/2026-16035/limits-on-loans-to-other-credit-unions)
- [2026-16035 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2026-08-06/pdf/2026-16035.pdf)

## Related
- [Previous: 2026-16031, Chartering and Field of Membership for Federal Credit Unions-Interpretive Rulin…](https://policyrisk.com/federal-register/2026-16031)
- [Next: 2026-16043, Airworthiness Directives; Bell Textron Canada Limited Helicopters](https://policyrisk.com/federal-register/2026-16043)
- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2026-16035 (as of 2026-08-13).