Date:

Mar 16, 2026

Time: 11:59 PM

The NCUA Board is requesting comments on the third round of proposed regulatory changes under the NCUA Deregulation Project. The comment period ends on March 16, 2026, at 11:59 p.m. Eastern.

The proposals would clarify agency guidance or remove unnecessary, redundant, overly prescriptive, obsolete, or unduly burdensome requirements in the Code of Federal Regulations, including:

12 CFR 701.31, Nondiscrimination Requirements — Removes a duplicative and outdated regulation related to nondiscrimination in lending, without weakening anti-discrimination protections that are required elsewhere in law.
IRPS 08-2, Service to Underserved Areas — Rescinds interpretive guidance that is now addressed in other NCUA guidance, reducing duplicative compliance references. This proposal would not add, remove, clarify, or otherwise change the substantive requirements already established in the Federal Credit Union Act and the Chartering Manual.
IRPS 10-1, Community Chartering Policies — Rescinding IRPS 10-1 would ease the compliance burden on federal credit unions by limiting the number of sources that federal credit union must check to ensure compliance with applicable chartering and field-of-membership requirements.
IRPS 11-02, Federal Corporate Credit Union Chartering — The Board expects the rescission of IRPS 11-02 to reduce regulatory burden generally by limiting the number of sources that federal credit unions must check to ensure compliance with laws and regulations.

For more information or to submit a comment, please visit Regulations.gov.

12 CFR 701.31, Nondiscrimination Requirements —https://www.regulations.gov/document/NCUA_FRDOC_0001-0477
IRPS 08-2, Service to Underserved Areas — https://www.regulations.gov/document/NCUA_FRDOC_0001-0474
IRPS 10-1, Community Chartering Policies — https://www.regulations.gov/document/NCUA_FRDOC_0001-0476
IRPS 11-02, Federal Corporate Credit Union Chartering — https://www.regulations.gov/document/NCUA_FRDOC_0001-0475

For more information about the NCUA Deregulation Project, visit: https://ncua.gov/news/deregulation-project

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Comments on Deregulation Project Proposals Due March 16

Last modified on

01/22/26