NCUA Announces Eighth Round of Deregulation Proposals

Alexandria, VA (March 24, 2026) ―The National Credit Union Administration today announced the eighth round of proposed regulatory changes associated with NCUA's Deregulation Project. The project is an ongoing review of NCUA's regulations to ensure regulations are focused on credit unions' safety, soundness, and resilience.

With today's announcement, NCUA is requesting comments on a proposal that would eliminate unduly burdensome requirements in the Code of Federal Regulations related to third-party servicing of indirect vehicle loans.

The Board proposes to remove defined limits on credit unions' ability to purchase or participation in third-party auto loans.

• Proposed Change: The Board proposes to remove limits on federally insured credit unions' ability to purchase or participate in indirect auto loans serviced by a third party by removing sections § 701.21(h) and § 741.203(c).
  • Impact on credit unions: Removing these limits would reduce regulatory burden and allow credit unions and their boards greater flexibility to decide what amount of purchased indirect vehicle loans serviced by third parties is appropriate for the credit union's size, the complexity of the transactions, and the board's risk tolerance.