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NCUA RIN: 3133-AF80 Publication ID: 2026 
Title: ●Suretyship and Guaranty; Segregated Deposit and Collateral 
Abstract:

The NCUA Board (Board) seeks comment on a proposed rule to remove the segregated deposit and collateral requirements when a federally insured credit union (FICU) acts as a surety and guarantor. Removing this regulation will provide FICUs with greater flexibility to design products that meet member needs. FICUs would remain subject to the other requirements regarding surety and guaranty agreements.

 
Agency: National Credit Union Administration(NCUA)  Priority: Substantive, Nonsignificant 
RIN Status: First time published in the Unified Agenda Agenda Stage of Rulemaking: Proposed Rule Stage 
Major: No  Unfunded Mandates: No 
EO 14192 Designation: Deregulatory 
CFR Citation: 12 CFR 701.20   
Legal Authority: 12 U.S.C. 1752(5)    12 U.S.C. 1755 to 1759    12 U.S.C. 1761(a) and 1761(b)    12 U.S.C. 1766 and 1767    12 U.S.C. 1782    12 U.S.C. 1784 to 1789    15 U.S.C. 3717    15 U.S.C. 1601 et seq.    42 U.S.C. 1981    42 U.S.C. 3601 to 3610    42 U.S.C. 4311 and 4312    ...   
Legal Deadline:  None
Timetable:
Action Date FR Cite
NPRM  12/29/2025  90 FR 60586   
Regulatory Flexibility Analysis Required: No  Government Levels Affected: None 
Federalism: No 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Agency Contact:
Keisha Brooks
Attorney-Advisor
National Credit Union Administration
1775 Duke Street,
Alexandria, VA 22314
Phone:703 851-1156
Fax:703 518-6569
Email: klbrooks@ncua.gov