Credit Unions May Swap Paper Insurance Notices for Online Updates
Published Date: 10/21/2026
Proposed Rule
Summary
If you’re a member of a federally insured credit union, good news! The NCUA wants to make it easier for credit unions to tell you about your share insurance coverage. Instead of always getting paper notices, your credit union might share updates online, saving money and keeping info fresh. You can share your thoughts on this change until December 21, 2026.
Analyzed Economic Effects
2 provisions identified: 2 benefits, 0 costs, 0 mixed.
Credit Unions May Send Digital Share-Insurance Notices
The NCUA proposes to change 12 CFR 745.13 so each federally insured credit union (FICU) only must "provide notice" of NCUA share insurance coverage and the FICU can choose the method. A FICU may provide members a link to NCUA's updated share-insurance website or the Electronic Code of Federal Regulations (eCFR) instead of always keeping printed materials; NCUA expects notice to be provided at logical times such as account opening or upon request.
NCUA Will End Brochure; Small Credit Unions Save Printing Costs
NCUA intends to discontinue the 64-page "Your Insured Funds" brochure and update its share-insurance website as a dynamically maintained resource that FICUs can link to. NCUA states the proposed rule would reduce compliance costs (staff time and printing) for FICUs and certifies the final rule will not have a significant economic impact on a substantial number of small credit unions (defined as those with under $100 million in assets).
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Key Dates
Department and Agencies
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