The NCUA reviews all of its existing regulations every three years. The NCUA’s Office of General Counsel maintains a rolling review schedule that identifies one-third of the NCUA’s existing regulations that are published in the Code of Federal Regulations for review each year and provides notice to the public of those regulations specifically under review so the public may have an opportunity to comment.
The NCUA will specifically review the following regulations in 2025:
| Regulation Part | Description |
|---|---|
| 700 | Definitions |
| 701.1 | Federal Credit Union Chartering, Field of Membership Modifications, and Conversions |
| 701.2 | Federal Credit Union Bylaws |
| 701.3 | Member Inspection of Credit Union Books, Records, and Minutes |
| 701.4 | General Authorities and Duties of Federal Credit Union Directors |
| 701.6 | Fees Paid by Federal Credit Unions |
| 701.14 | Change in Official or Senior Executive Officer in Credit Unions that are Newly Chartered or are in Troubled Condition |
| 701.19 | Benefits for Employees of Federal Credit Unions |
| 701.20 | Suretyship and Guaranty |
| 701.21 | Loans to Members and Lines of Credit to Members |
| 701.22 | Loan Participations |
| 701.23 | Purchase, Sale, and Pledge of Eligible Obligations |
| 701.24 | Refund of Interest |
| 701.25 | Loans to Credit Unions |
| 701.26 | Credit Union Service Contracts |
| 701.30 | Services for Nonmembers Within the Field of Membership |
| 701.31 | Nondiscrimination Requirements |
| 701.32 | Payment on Shares by Public Units and Nonmembers |
| 701.33 | Reimbursement, Insurance, and Indemnification of Officials and Employees |
| 701.34 | Designation of Low-Income Status |
| 701.35 | Share, Share Draft, and Share Certificate Accounts |
| 701.36 | Federal Credit Union Occupancy and Disposal of Acquired and Abandoned Premises. |
| 701.37 | Treasury Tax and Loan Depositaries; Depositaries and Financial Agents of the Government |
| 701.38 | Borrowed Funds |
| 701.39 | Statutory Lien |
| Appendix | Appendix A to Part 701 – Federal Credit Union Bylaws |
| Appendix | Appendix B to Part 701 – Chartering and Field of Membership Manual |
| 702 | Capital Adequacy |
| 703 | Investment and Deposit Activities |
| 704 | Corporate Credit Unions |
| 705 | Community Development Revolving Loan Fund Access for Credit Unions |
| 707 | Truth in Savings |
| 708a | Bank Conversions and Mergers |
| 708b | Mergers of Insured Credit Unions into Other Credit Unions; Voluntary Termination or Conversion of Insured Status |
| 709 | Involuntary Liquidation of Federal Credit Unions and Adjudication of Creditor Claims Involving Federally Insured Credit Unions in Liquidation |
| 710 | Voluntary Liquidation |
Anyone wishing to provide comments on the above regulations should submit them by July 25, 2025. The NCUA’s goal is to ensure that all of our regulations are clearly articulated and easily understood. Comments are welcome on that aspect, as well as substantive suggestions for regulatory changes. Comments may be e-mailed to OGCMAIL@NCUA.GOV or mailed to Regulatory Review (2024), Office of General Counsel, National Credit Union Administration, 1775 Duke Street, Alexandria, Virginia 22314-3428. For e-mailed comments, please include the words “Regulatory Review (2025)” in the subject line.
The NCUA’s regulatory process is discussed in NCUA Interpretive Ruling and Policy Statements (IRPS) 87-2, 03-2, 13-1, and 15-1 located on the NCUA’s website. In addition to the periodic review described above, the NCUA may review or revise regulations through processes outside this periodic review. The NCUA publishes a regulatory agenda in the Federal Register each spring and fall.