Share your thoughts on 4th round of NCUA deregulation

COMMENT CALL:  The National Credit Union Administration (NCUA) today announced the fourth round of proposed regulatory changes associated with NCUA’s Deregulation Project. The project is an ongoing review of NCUA’s regulations to ensure they are focused on credit unions’ safety, soundness, and resilience. (This Comment Call addressed rounds one and two, and this Comment Call addressed round three.)

With today’s announcement, NCUA is requesting comments on four new proposals that would clarify agency guidance or eliminate unduly burdensome or duplicative requirements. The four proposals are summarized below.

NCUA’s Deregulation Project rolls on

COMMENT CALL:  Please share your thoughts on four pending NCUA regulatory relief proposals.

On January 13^th, the National Credit Union Administration (NCUA) announced the third round of proposed regulatory changes associated with NCUA’s Deregulation Project.

The NCUA is requesting comments on four proposals that would clarify agency guidance or eliminate unduly burdensome or obsolete requirements.

The League may comment on these proposals, depending on the feedback we receive from Wisconsin’s credit unions. Please reach out to Paul Guttormsson at The League with your reactions to or thoughts about any of the proposals listed below. We will be sure that our comments reflect your views. Our letters will not identify the credit unions that offer their input to us.

NCUA's 2026 Supervisory Priorities

NEWS:  The NCUA has released its 2026 Supervisory Priorities, outlining where examiners will focus their attention this year as part of a risk-based supervision approach tailored to individual credit union profiles.  This year’s guidance reinforces the agency’s commitment to clarity and transparency under its No Regulation-by-Enforcement policy, while prioritizing safety and soundness.  

The NCUA's letter to credit unions outlines the Agency's priorities for 2026 and provides information to help credit unions prepare for exams.  NCUA will continue to conduct defined scope exams in most federal credit unions with assets of $50 million or less, and risk-focused exam procedures for all other credit unions.

CFPB and the DOJ withdraw joint statement on fair lending

NEWS:  On January 12th, the Consumer Financial Protection Bureau (CFPB)  announced the withdrawal of an October 2023 joint statement which warned that a creditor’s policies related to an applicant’s immigration or citizenship status could, in certain circumstances, run afoul of the Equal Credit Opportunity Act’s (ECOA) anti-discrimination requirements.  We cautioned credit unions about this new guidance in this Compliance Courier.