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Limits on Loans to Other Credit Unions
Plain English Summary
The NCUA Board has changed the rules regarding loans between credit unions. They have decided to remove specific regulations that required approval and policies for these loans. However, federal credit unions still need to follow existing laws about lending to other credit unions, and state-chartered credit unions must comply with relevant NCUA or state laws. Agents should stay informed about these changes and ensure compliance with any applicable lending laws.
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The NCUA Board (Board) is issuing this rule to remove the regulations related to approval and policies on making loans to other credit unions. While this provision will no longer be codified in regulation, federal credit unions remain subject to statutory requirements related to making loans to credit unions. Federally insured, state-chartered credit unions remain subject to any other applicable NCUA or state law or regulation. The final rule follows publication of a December 29, 2025, proposed rule, and takes into consideration the public comments recieved on the proposal.