Proposed Regulation

NAFCU Regulatory Alerts are member-only resources containing important highlights and summaries for proposed rulemakings that affect credit unions. 

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18-EA-17: CFPB - Guidance and Implementation Support

On April 2, 2018, the CFPB published a RFI seeking input on the agency's guidance and implementation support activities. The RFI covers all aspects of the CFPB's guidance and compliance assistance efforts, including the form, content and delivery channels used to disseminate various categories of guidance.

18-EA-16: CFPB - Financial Education Programs

On April 9, 2018, the CFPB released this RFI to seek public input on the efficiency and effectiveness of the Bureau's financial education programs. The CFPB specifically seeks feedback on its focus on various financial education topics, delivery channels, use of technology, targeting of specific populations, and overlap with other federal agency financial education programs.

18-EA-15: CFPB - Inherited Regulations

The CFPB has released this RFI to determine whether it should amend or modify the inherited regulations transferred to it by the Dodd-Frank Act. These regulations were previously under the authority of other federal agencies. The Bureau now seeks feedback regarding the substance of the inherited regulations and whether it should issue additional rules to better meet the statutory purposes and objectives of the federal consumer financial laws and the Dodd-Frank Act.

18-EA-14: CFPB - Adopted Regulations and New Rulemaking Authorities

On March 21, 2018, the CFPB issued a request for information (RFI) seeking public input on the substance of its adopted regulations and new rulemaking authorities. Adopted regulations refer to rules specifically required by the Dodd-Frank Act which have already been issued by the CFPB, while new rulemaking authorities refer to rules the CFPB is authorized to promulgate pursuant to the Dodd-Frank Act.

18-EA-13: NCUA - Federal Credit Union Bylaws

The NCUA published an ANPR seeking comment on ways to streamline, clarify, and improve the standard FCU bylaws, which are a comprehensive set of corporate governance procedures consistent with the FCU Act.

18-EA-12: NCUA - Suspension and Debarment Procedures

On March 21, 2018, the NCUA published a proposed rule to adopt suspension and debarment procedures for government contractors. The purpose of the proposed procedures is to ensure the NCUA solicits offers from and awards contracts to only presently responsible contractors.

18-EA-11: Fed - Collection of Checks and Other Items by Federal Reserve Banks and Funds Transfers Through Fedwire

On March 15, 2018, the Board of Governors of the Federal Reserve System (the Board) published proposed amendments to align subpart A of Regulation J with the Board's 2017 amendments to Regulation CC (2017 Regulation CC Amendments) and incorporate certain provisions by reference.

18-EA-10: CFPB - Rulemaking Processes

The Consumer Financial Protection Bureau (CFPB or Bureau) has released a Request for Information (RFI) to assess the overall efficiency and effectiveness of its rulemaking processes and determine whether any changes to these processes would be appropriate at this time.

18-EA-09: CFPB - Consumer Complaints

On March 6, 2018, the Consumer Financial Protection Bureau (CFPB) published a request for information (RFI) seeking public comment on potential changes that can be implemented to the agency's public reporting. Consumer complaints regarding credit unions subject to the CFPB's supervisory jurisdiction (i.e., those over $10 billion in total assets) are currently listed on the agency's Consumer Complaint Database. Complaints about credit unions with less than $10 billion in assets are not published in the CFPB's Consumer Complaint Database.

18-EA-08: CFPB - Supervision Program

On February 20, 2018, the Consumer Financial Protection Bureau (CFPB) issued a request for information (RFI) seeking public comment on the overall efficiency and effectiveness of its Supervision Program. The CFPB is issuing this RFI to collect public comment on how best to achieve meaningful burden reduction while continuing to meet statutory and regulatory objectives. Credit unions with over $10 billion in total assets are subject to the CFPB's supervisory authority.

18-EA-07: CFPB - External Engagements

On February 26, 2018, the Consumer Financial Protection Bureau (CFPB) issued a request for information (RFI) seeking public comment on how best to conduct future external engagements. The CFPB has historically conducted external engagements, such as field hearings, town halls, roundtables, non-public meetings, and public meetings of the Consumer Advisory Board (CAB) and Councils, to discuss and receive feedback on its work.

18-EA-06: CFPB - Rules of Practice for Adjudication Proceedings

On February 5, 2018, the CFPB published a request for information (RFI) to solicit feedback on its rules of practice for hearings and adjudications conducted by the agency. The CFPB is willing to consider whether it should conduct enforcement proceedings in Federal court in all instances, as opposed to availing itself of administrative adjudications.

18-EA-05: CFPB - Enforcement Processes

The Consumer Financial Protection Bureau (CFPB or Bureau) has released this Request for Information to assess the overall efficiency and effectiveness of its enforcement processes and determine whether any changes to these processes would be appropriate at this time.

18-EA-04: NCUA - Modernizing Data Collection for Supervision of Credit Unions

NCUA is proposing revisions to the Call Report and Credit Union Profile forms in an attempt to reduce the amount and complexity of data collected.

18-EA-03: NCUA - Involuntary Liquidation and Claims Procedures

On January 31 2018, the National Credit Union Administration (NCUA) published a proposed rule to amend part 709 of its regulations governing claims administration for federally insured credit unions that enter involuntary liquidation.

18-EA-02: CFPB - Civil Investigative Demands

In Acting Director Mulvaney's first formal action to review CFPB rulemaking and procedures, the CFPB is seeking information regarding its current CID procedures.

18-EA-01: FHFA - Alternative Credit Scores

The Federal Housing Finance Agency (FHFA) has released a Request for Input (RFI) to solicit information regarding its evaluation of whether to change the current credit score requirements of the government-sponsored enterprises (GSEs), Fannie Mae and Freddie Mac.

17-EA-29: NCUA - Electronic Data Collection RFI

The National Credit Union Administration (NCUA) is reviewing the loan, deposit, and investment information collected electronically during credit union examinations in an attempt to modernize, formalize, and standardize data formats.

17-EA-28: NCUA - Capital Planning and Supervisory Stress Testing

On October 30, 2017, NCUA published a proposed rule amending its capital planning and stress testing regulations to allow credit unions to perform their own stress testing and incorporate the results in their capital plan submissions.

17-EA-27: NCUA - Proposed Advertising

On October 4, NCUA published a proposed rule amending Part 740 of its advertising regulations. The proposal grants credit unions additional flexibility when using NCUA's "official advertising statement."

17-EA-26: CFPB - TRID

The Consumer Financial Protection Bureau (CFPB) has issued a proposed rule to revise the disclosure requirements under the Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) that are implemented in Regulation Z.