# 2026-22536: Credit Unions Get a Clearer Rule for Claiming Members’ Money

2026-22536, Statutory Lien, is a Federal Register rule from National Credit Union Administration published 2026-11-04, effective 2026-12-04 (as of 2026-11-04).

- Canonical: https://policyrisk.com/federal-register/2026-22536
- As of: 2026-11-04
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Document number: 2026-22536
- Title: Statutory Lien
- Type: Rule
- Agencies: National Credit Union Administration
- Citation: 91 FR 69491
- Published: 2026-11-04
- Effective: 2026-12-04
- Comments close: not stated
- Significant: no
- Touches household money: no
- Regulation identifier numbers: 3133-AF86
- Last updated: 2026-11-04

## In one line

Credit Unions Get a Clearer Rule for Claiming Members’ Money

## Summary

Federal credit unions can now rely on a clearer rule about their power to claim money owed by members from their accounts. The National Credit Union Administration removed confusing language that didn’t help credit unions figure out their rights. This change takes effect December 4, 2026, making it easier for credit unions to manage debts without legal guesswork.

## Abstract

On February 25, 2026, NCUA (or `agency') published a proposed rule to solicit comments on the removal of a provision of NCUA regulations regarding federal credit unions' (FCUs) statutory lien authority. Upon further consideration, and based on the comments received, the Board is issuing this final rule, as proposed, to remove the term, "except as otherwise provided by law or except as otherwise provided by federal law." This language does not provide any assistance to FCUs in determining whether such statutory or case law exists, therefore it has no material value.

## Effects PRIA read

No economic effects identified for this document.

## Related documents

- [2026-11559](https://policyrisk.com/federal-register/2026-11559): Preemption-Federal Credit Union Non-Interest Charges and Fees, 2026-06-09
- [2026-22537](https://policyrisk.com/federal-register/2026-22537): Member Business Loans; Commercial Lending, 2026-11-04
- [2026-22538](https://policyrisk.com/federal-register/2026-22538): Treatment of Emergency Amendments: Paycheck Protection Program Liquidity Facility and Paycheck Protection Program Loans, 2026-11-04
- [2026-21948](https://policyrisk.com/federal-register/2026-21948): NCUA Draft 2027-2028 Budget, 2026-10-28
- [2026-21508](https://policyrisk.com/federal-register/2026-21508): Conversion to State-Chartered Credit Union, 2026-10-21
- [2026-21512](https://policyrisk.com/federal-register/2026-21512): Notification to Members/Shareholders, 2026-10-21

## Sources
- [2026-22536 on federalregister.gov](https://www.federalregister.gov/documents/2026/11/04/2026-22536/statutory-lien)
- [2026-22536 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2026-11-04/pdf/2026-22536.pdf)

## Related
- [Previous: 2026-22505, International Mail Manual; Incorporation by Reference](https://policyrisk.com/federal-register/2026-22505)
- [Next: 2026-22537, Member Business Loans; Commercial Lending](https://policyrisk.com/federal-register/2026-22537)
- [All Federal Register documents](https://policyrisk.com/federal-register)

Source: PRIA, https://policyrisk.com/federal-register/2026-22536 (as of 2026-11-04).