NCUA – Page 3 – Regulatory Report

What's up

[ January 7, 2026 ] FDIC: Audit finds no documentation on cost benefits of student resource center since 1986 FDIC
[ January 7, 2026 ] CFPB adjusts HMDA, TILA asset-size thresholds for 2026 CFPB
[ January 6, 2026 ] CFPB ends silence; provides ‘tips, reminders’ for 2026 HMDA filings CFPB
[ January 6, 2026 ] Fed: Former bank branch manager who took $27k from customer accounts is barred The Fed
[ January 5, 2026 ] Nearly half of all banks – 15 – are ‘outstanding’ in latest CRA ratings from OCC OCC

NCUA notes some credit unions may be affected by shutdown, points to guidance

October 1, 2025 0

Reminding that the agency remains open and federal share insurance remains in effect during the current federal government shutdown, credit unions’ federal regulator Wednesday offered a brief list of how credit unions may prepare for […]

Lenders can issue loans subject to flood insurance laws during federal government shutdown; regulators explain how

October 1, 2025 0

Four federal financial institutions regulators issued a reminder Wednesday to lenders that they are still allowed to make loans subject to federal flood insurance laws when the National Flood Insurance Program (NFIP) is not available, […]

Noting NCUA’s ‘good track record,’ Hauptman still issues no-regulation-by-enforcement policy

October 1, 2025 0

Noting that his agency has a good track record in this area, the chairman of the federal credit union regulator on Wednesday nevertheless issued a “no-regulation-by-enforcement” policy that he said fulfills a goal he listed […]

‘More opportunities’ for some credit unions to snag $3.4 million in grants, agency claims

September 30, 2025 0

Citing “more opportunities” available through $3.4 million in a fund for low-income credit unions, their federal regulator Wednesday said more of them should “review their eligibility” for applying for grants. In a release, the National […]

NCUA erases reputation risk from consideration in supervision, exams of credit unions

September 26, 2025 0

The federal credit union regulator said it is no longer using reputation risk “and equivalent concepts” in its examination and supervisory process. The action by the National Credit Union Administration (NCUA), announced Thursday, follows similar […]

UPDATED: NCUA proposes 20.6% budget reduction, largely fueled by staff cuts, to $313.8 million for 2026

September 25, 2025 0

Updated to include new Federal Register notice. Comments are due Oct. 24 on the federal credit union regulator’s proposed 2026-2027 budget, which includes a 20.6% reduction from 2025 to 2026 – fueled mostly by a […]

NCUSIF at 1.28% in June, 1.3% expected by year-end; separation program costs pegged at $13.6 million in 2025

September 22, 2025 0

The fund that insures member deposits, or “shares,” in credit unions had an equity ratio of 1.28% of insured shares as of June 30, down from 1.3% at year-end 2024, according to a report Thursday. […]

Credit unions see loan growth outside of that for cars; ROAA — and delinquencies — on upswing

September 5, 2025 0

Credit unions saw growth in lending and return on average assets (ROAA) at midyear compared to a year earlier — but also saw loan delinquency rates rise during the same period, according to figures released […]

‘Disparate impact’ being written out of NCUA exam, supervision processes

September 4, 2025 0

The federal credit union regulator will no longer include reviews for disparate impact in its examination and supervision of federally insured credit unions, the agency said Thursday. The National Credit Union Administration (NCUA) removed such […]

Agency closes small MD credit union after ‘imminent insolvency’ feared

September 2, 2025 0

After a determination of “imminent insolvency” by its federal regulator, a Maryland credit union was closed late Friday, allowing another credit union in the state to assume the members and shares of the shuttered institution. […]

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FDIC: Audit finds no documentation on cost benefits of student resource center since 1986

January 7, 2026 0

Setting processes and procedures for managing the agency’s Student Resource Center (SRC) and developing SRC performance goals, things that appeared to be lacking since the center’s inception, are among the corrective actions the federal deposit insurer has agreed to make [...]
CFPB adjusts HMDA, TILA asset-size thresholds for 2026

January 7, 2026 0

The asset-size thresholds for institutions subject to Home Mortgage Disclosure Act (HMDA) reporting and Truth in Lending Act (TILA) escrows (for higher-priced mortgage loans) are higher as of Wednesday, according to two Federal Register notices. The Consumer Financial Protection Bureau [...]
CFPB ends silence; provides ‘tips, reminders’ for 2026 HMDA filings

January 6, 2026 0

Reminders and tips for 2026 Home Mortgage Disclosure Act (HMDA) filings were issued Tuesday by the federal consumer financial protection agency, which also noted some updates to file locations. The Consumer Financial Protection Bureau (CFPB) noted that an upgrade has [...]
Fed: Former bank branch manager who took $27k from customer accounts is barred

January 6, 2026 0

A former branch manager of Regions Bank, Birmingham, Ala., who allegedly took money from customer accounts is barred from any future work in federally insured financial institutions under a consent order released Tuesday by the Federal Reserve Board. The Fed, [...]
Nearly half of all banks – 15 – are ‘outstanding’ in latest CRA ratings from OCC

January 5, 2026 0

Fifteen banks – out of 33 total — were awarded “outstanding” ratings for their compliance with rules implementing anti-redlining laws for evaluations that became public in December, the national bank regulator said Monday. No banks evaluated for their compliance with [...]
Trio of former credit union workers banned; agency claims one caused $720,000 loss over decade

January 2, 2026 0

Three former credit union workers were banned from further work at financial institutions by the federal regulator Dec. 31, including one who allegedly caused a nearly three-quarters of a million dollars loss over a 10-year period, the agency said. According [...]
Dearth of banks earning ‘outstanding’ CRA ratings, while two banks score ‘needs improvement’

January 2, 2026 0

While no banks in October earned ratings of “outstanding” for their compliance with anti-redlining rules, two banks earned “needs improvement” in their scores posted Friday by the federal bank deposit insurance agency. The Federal Deposit Insurance Corp. (FDIC) released the [...]