金融与市场 · 2026/8/6已更新: 2026/10/22 · 1 分钟阅读
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摘要
美国联邦信用协会 (NCUA Board) 正在发布这一规则,以取消其他信用联盟的贷款批准和政策相关的规定.虽然该条款不再被编码为监管,但联邦信用联盟仍然受到与信贷协会贷款有关的法定要求的约束.联邦保险,国家授权的信用协作仍受任何其他适用的NCUA或州法律或法规的约ંક.最终规则是2025年12月29日发表了建议的规则后,并考虑到关于该提案获得的公众评论.
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商业洞察 →相关商业动态
6金融与市场 · 2026/8/6
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.
阅读摘要 →金融与市场 · 2026/6/25
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.
阅读摘要 →金融与市场 · 2026/8/6
The NCUA Board (Board) is revising its regulations governing the organization and operation of federal credit unions (FCUs) by eliminating a provision related to credit union service contracts. The Board intends to reduce administrative costs and compliance complexity with this revision, enabling FCUs to serve their members more efficiently.
阅读摘要 →金融与市场 · 2026/8/6
The NCUA Board (Board) is amending its regulations that establish the requirements for obtaining and maintaining federal share insurance with the National Credit Union Share Insurance Fund (Share Insurance Fund). The provisions of this part apply to all federally insured credit unions (FICUs). The rule will reduce regulatory burden by eliminating unnecessary and redundant requirements related to disclosing when nonmember accounts are not covered by federal share insurance.
阅读摘要 →金融与市场 · 2026/8/6
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.
阅读摘要 →金融与市场 · 2026/8/6
The NCUA Board (Board) is rescinding Interpretive Ruling and Policy Statement (IRPS) 06-1. The Chartering and Field of Membership Manual (Chartering Manual) incorporates the current requirements for adding underserved areas, making IRPS 06-1 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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