NCUA Renews Routine Credit Union Information Collections
Published Date: 9/21/2026
Notice
Summary
The National Credit Union Administration (NCUA) is renewing and updating two important info collections that affect credit unions. More credit unions now offer extra insurance, so the paperwork burden has grown. They want your comments by October 21, 2026, to keep things clear and fair without costing extra time or money.
Analyzed Economic Effects
3 provisions identified: 3 benefits, 0 costs, 0 mixed.
Truth in Savings Disclosure Requirements
Credit unions must provide Truth in Savings disclosures when an account is opened, when terms change, on periodic statements, in advertisements, and on request. Periodic statements must show fees, the annual percentage yield earned, and other account terms so you can compare accounts.
Credit Union Excess-Insurance Ad Rules
If a federally insured credit union advertises extra (third-party) account insurance, the ad must state the type and amount of that insurance, the name of the insurance carrier, and that the carrier is not affiliated with the National Credit Union Share Insurance Fund (NCUSIF) or the Federal government. This requirement applies in all advertising that mentions account insurance.
HMDA Loan Data Reporting Continues
Credit unions must continue reporting Home Mortgage Disclosure Act (HMDA) loan data so the public can see whether institutions are serving local housing needs, help public officials direct investments, and identify possible discriminatory lending patterns.
Personalized for You
How does this regulation affect your finances?
Personalize government policy and PRIA will tell you what this federal register document means for your household, plus every other regulation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
Key Dates
Department and Agencies
Related Federal Register Documents
2026-11559, Preemption-Federal Credit Union Non-Interest Charges and Fees
Starting June 30, 2026, federal credit unions can charge fees like interchange fees on credit and debit cards, even if set with help from others. This rule clears up what fees they’re allowed to collect, making it easier for credit unions to manage their costs. If you have thoughts, you can share them by July 9, 2026!
2026-18859, Proposed Third-Party Risk Management Guidance
Big banks and credit unions, listen up! The government agencies want to update the rules on how you manage risks from outside companies you work with. This new guidance helps you focus on the riskiest partners, tailor your approach based on your size and complexity, and use resources smarter—all aiming to keep your money safe and sound. Get your comments in by November 16, 2026, or miss out on shaping the future!
2026-17307, Interagency Rescission of the Interagency Statement on Special Purpose Credit Programs Under the Equal Credit Opportunity Act and Regulation B
FDIC, NCUA, OCC, CFPB, HUD, DOJ, and FHFA (collectively, the agencies) are issuing this notice to inform the public of the rescission of the "Interagency Statement on Special Purpose Credit Programs Under the Equal Credit Opportunity Act and Regulation B" (Interagency Statement), dated February 22, 2022. The agencies are rescinding the Interagency Statement to make clear that (1) creditors may not discriminate against borrowers based on prohibited characteristics and (2) creditors should not rely upon the Interagency Statement or other related issuances going forward.
2026-16027, Suretyship and Guaranty; Segregated Deposit and Collateral
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.
2026-16030, Purchase, Sale, and Pledge Of Eligible Obligations
The National Credit Union Administration is making it easier for federal credit unions to handle buying, selling, and pledging loans by cutting out strict rules on what their policies must include. This change lets credit unions be more flexible and efficient while still following important conflict-of-interest rules already in place. The new rule kicks in on September 8, 2026, helping credit unions save time without changing how they protect members' money.
2026-16031, Chartering and Field of Membership for Federal Credit Unions-Interpretive Ruling and Policy Statement 08-2
The NCUA is saying goodbye to an old rule called IRPS 08-2 because its key points are now part of the main Chartering Manual. This change makes life easier for federal credit unions by cutting down on the paperwork and checks they need to do. The new rule kicks in on September 8, 2026, helping credit unions serve their communities faster without extra hassle.
Previous / Next Documents
Previous: 2026-19274, Tin Mill Products From the People's Republic of China: Preliminary Affirmative Determination of Sales at Less Than Fair Value, Preliminary Affirmative Determination of Critical Circumstances and Extension of Provisional Measures
The U.S. Department of Commerce has found that tin mill products from China are likely being sold in the U.S. for less than their fair price. This means extra duties could be added to these imports to protect American businesses. The investigation covers sales from October 2025 to March 2026, and the new rules start on September 21, 2026.
Next: 2026-19276, Hazardous Materials: Information Collection Activities
PHMSA is updating the form used to report hazardous materials incidents during transport. These changes will make the form easier to fill out by adding new info, clarifying questions, and simplifying the layout. Anyone involved in shipping hazardous materials should check out the draft and send comments by December 21, 2026—no extra costs, just smoother reporting!