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NCUA RIN: 3133-AF98 Publication ID: 2026 
Title: ●Compensation in Connection With Loans to Members and Lines of Credit to Members 
Abstract:

The NCUA Board (Board) is issuing for public comment a proposal to amend the NCUA’s regulation that limits a federally insured credit union (FICU) official and employee compensation in connection with loans to members and lines of credit to members. These regulations have generated confusion and are unduly restrictive. To provide clearer and more flexible standards, the proposed rule would expressly permit incentive and bonuses to employees, including senior management, to incorporate lending metrics as part of compensation based on a credit union’s overall financial performance.

 
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 701.21   
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  02/25/2026  91 FR 9182   
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:
Thomas I. Zells
Senior Staff Attorney
National Credit Union Administration
1775 Duke Street,
Alexandria, VA 22314
Phone:703 548-2478
Fax:703 518-8566
Email: tizells@ncua.gov