Data / Federal rules / 2026-16027
Suretyship and Guaranty; Segregated Deposit and Collateral
The National Credit Union Administration published this final rule in the Federal Register on August 6, 2026. It took effect on September 8, 2026.
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What the agency says
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.
Key facts
- Document number
- 2026-16027
- Type
- Final rule
- Action
- Final rule
- Agency
- National Credit Union Administration
- Published
- August 6, 2026
- Takes effect
- September 8, 2026
- Dates
- This final rule is effective on September 8, 2026.
- Regulation ID (RIN)
- 3133-AF80
- 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
- 4
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 August 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.