Data / Federal rules / 2026-00591
Nondiscrimination Requirements
The National Credit Union Administration published this proposed rule in the Federal Register on January 14, 2026. Comments closed on March 16, 2026.
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What the agency says
The NCUA Board (Board) is publishing this proposed rule to remove a redundant and outdated regulation regarding nondiscrimination in lending. While the regulation was intended to summarize the Fair Housing Act (FHA) prohibitions on discrimination related to real estate related loans, appraisals, and advertising, the Board's last substantive amendment to the regulation was finalized in 2001. Thus, the regulation may not reflect all case law or regulatory developments under the FHA, a statute that primarily falls under the jurisdiction of the Department of Housing and Urban Development (HUD) and continues to apply to federal credit unions (FCUs) regardless of the NCUA's regulations. Thus, the Board believes the current regulation may cause confusion and unnecessary burden because it has not kept up with changes in FHA interpretation and implementation. For these reasons, the Board is proposing to remove this regulation in its entirety.
Key facts
- Document number
- 2026-00591
- Type
- Proposed rule
- Action
- Proposed rule
- Agency
- National Credit Union Administration
- Published
- January 14, 2026
- Comments due
- March 16, 2026
- Dates
- Comments must be received on or before March 16, 2026.
- Regulation ID (RIN)
- 3133-AF85
- Code of Federal Regulations
- 12 CFR 701
- Topics
- Advertising; Aged; Civil rights; Credit; Credit unions; Fair housing; Individuals with disabilities; Insurance; Marital status discrimination; Mortgages; Religious discrimination; Reporting and recordkeeping requirements; Sex discrimination; Signs and symbols; Surety bonds
- Pages
- 3
Other documents from the National Credit Union Administration
| Document | Type | Published |
|---|---|---|
| Notification to Members/Shareholders 2026-21512 | Proposed rule | Oct 21 |
| Nonconforming Investment Special Reserve 2026-21509 | Proposed rule | Oct 21 |
| Conversion to State-Chartered Credit Union 2026-21508 | Proposed rule | Oct 21 |
| Central Liquidity Facility 2026-21089 | Proposed rule | Oct 15 |
| Powers of Federal Credit Unions 2026-21088 | Proposed rule | Oct 15 |
| Corporate Credit Unions; Fidelity Bond and Insurance Coverage for Federally Insured Credit Unions 2026-21087 | Proposed rule | Oct 15 |
| Limits on Loans to Other Credit Unions 2026-16035 | Final rule | Aug 6 |
| Chartering and Field of Membership for Federal Credit Unions-Interpretive Ruling and Policy Statement 08-2 2026-16031 | Final rule | Aug 6 |
Everything from the National Credit Union Administration · Rules on advertising · Rules on aged · Rules on civil rights · Published in January 2026
Read from the Federal Register API, last updated 2026-10-23. The document on federalregister.gov is the official record; dates and dockets can change through later corrections. Free to reuse with credit to SpecStream under CC BY 4.0.