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Финансы и рынки · 06.08.2026Обновлено: 22.10.2026 · 1 мин чтения

Купить, продать и залог в качестве обязательств

Локальный автоматический перевод · Язык оригинального источника

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Это окончательное правило упрощает правила NCUA Board (Board) по покупке, продаже и залогу допустимых обязательств. В частности, окончательном правиле удаляются предписывающие списки пунктов, которые должны быть рассмотрены в письменной политике, принятой федеральным кредитным союзом (FCU). Удаление мандатованных пунктов позволит более эффективный и принципиальный подход.

Язык оригинального источника: Federal Register — National Credit Union AdministrationОткрыть исходное сообщение →

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Финансы и рынки · 06.08.2026

Corporate Credit Unions

The NCUA Board (Board) is issuing this action to rescind its Interpretive Ruling and Policy Statement (IRPS) 11-02, which addresses chartering corporate credit unions, because it is redundant to the Federal Corporate Credit Union Chartering Manual. This action eliminates potential confusion.

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Финансы и рынки · 06.08.2026

Chartering and Field of Membership for Federal Credit Unions-Interpretive Ruling and Policy Statement 10-1

The NCUA Board (Board) is rescinding Interpretive Ruling and Policy Statement (IRPS) 10-1. The Chartering and Field of Membership Manual (Chartering Manual) incorporates NCUA's current chartering requirements for federal credit unions (FCUs), making IRPS 10-1 unnecessary. This rescission reduces the burden for FCUs by limiting the number of sources that they must check to verify compliance with applicable requirements. After considering the public comments, the Board adopts the proposal without modification.

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Финансы и рынки · 06.08.2026

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.

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Финансы и рынки · 06.08.2026

Third-Party Servicing of Indirect Vehicle Loans

The NCUA Board (Board) is issuing a final rule removing NCUA's unnecessarily prescriptive regulation regarding third-party servicing of indirect vehicle loans. This action will reduce regulatory burden and provide federally insured credit unions (FICUs) with greater operational flexibility, consistent with a principles-based supervisory approach. The intent is to reduce administrative costs and compliance complexity, enabling credit unions to serve their members more efficiently.

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Финансы и рынки · 06.08.2026

Chartering and Field of Membership for Federal Credit Unions-Interpretive Ruling and Policy Statement 08-2

The NCUA Board (Board) is rescinding Interpretive Ruling and Policy Statement (IRPS) 08-2. The Chartering and Field of Membership Manual (Chartering Manual) incorporates the current requirements for adding underserved areas, making IRPS 08-2 unnecessary. This rescission reduces the burden for federal credit unions (FCUs) by limiting the number of sources that FCUs must check to verify compliance with applicable requirements. After considering the public comments, the Board adopts the proposal without modification.

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Финансы и рынки · 25.06.2026

Prohibition on the Use of Reputation Risk

On October 21, 2025, the Board issued its Notice of Proposed Rulemaking to codify the elimination of reputation risk from its supervisory framework. This change aligns with Executive Order 14331, "Guaranteeing Fair Banking for All Americans." Effective September 25, 2025, the NCUA ceased examining for reputation risk. This final rule affirms that the agency will not consider reputation risk--whether alone or in combination with other factors--in supervisory determinations or other decisions, nor will it take adverse actions on that basis.

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