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NCUA RIN: 3133-AF85 Publication ID: 2026 
Title: ●Nondiscrimination Requirements 
Abstract:

The NCUA is proposing to remove its 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 last substantively amended the regulation in 2001. Thus, it may not reflect all case law or regulatory developments under the FHA, a statute which 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 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.

 
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 701.31   
Legal Authority: 12 U.S.C. 1766(a)   
Legal Deadline:  None
Timetable:
Action Date FR Cite
NPRM  01/14/2026  91 FR 1467   
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:
Gira Bose
Senior Staff Attorney
National Credit Union Administration
1775 Duke Street,
Alexandria, VA 22314
Phone:703 518-6562
Fax:703 518-6569
Email: gbose@ncua.gov