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NCUA Announces Four Regulatory Relief Proposals Under Deregulation Project

Posted by on December 23, 2025

NCUA

The National Credit Union Administration (NCUA) has unveiled four additional proposed regulatory changes as part of its ongoing Deregulation Project, which aims to streamline rules, eliminate outdated requirements, and reduce unnecessary burdens while maintaining credit union safety and soundness. GoWest analysis of Round #1 Proposed Changes can be found here.

This second round of proposals will be published in the Federal Register on December 29 and remain open for public comment for 60 days following publication.

Round #2 Proposed Changes

  • Surety and Guarantor Requirements
    Remove the requirement for federally insured credit unions to obtain segregated deposits or specific collateral to cover suretyship or guaranty obligations.
  • Limits on Loans to Other Credit Unions
    Eliminate the regulatory requirement for board approval and written internal policies setting limits on loans to other credit unions.
  • Catastrophic Reporting
    Extend the reporting deadline for catastrophic events to 15 calendar days, require notice to NCUA rather than regional directors, and replace the prescriptive recordkeeping list with a simplified requirement to document basic facts of the event.
  • Accuracy of Advertising and Notice of Insured Status
    Remove the mandate to include the official advertising statement in all advertisements, clarify rules for the official sign, and set standards for excess insurance advertising.

If adopted, these changes will reduce administrative burdens and provide greater operational flexibility for credit unions, aligning regulations with modern practices while preserving member protection.

Get Involved

The team at the NCUA has already been identifying deregulatory opportunities and remain interested in hearing recommendations from stakeholders. If you have examples of rules that are not tied to statute and would not pose a material risk of loss to the Share Insurance Fund, then please reach out to me to add your ideas for consideration.

GoWest will continue to engage with the NCUA on these efforts in 2026 and push for additional deregulation, so please continue to work with our team on making regulations work better for you and your members. Your participation in our advocacy helps make NCUA rules work better for your credit union and the credit union movement.

GoWest will provide regular updates of the NCUA’s Deregulation Project as developments progress.

Posted in Advocacy on the Move, Regulatory Advocacy.

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