Suretyship and Guaranty; Segregated Deposit and Collateral

What it does

The NCUA Board (Board) is amending its regulations to eliminate prescriptive segregated deposit and collateral requirements for suretyship and guaranty agreements. By removing these requirements, the Board is authorizing federally insured credit unions (FICUs) acting as sureties and guarantors to design products that address member needs while maintaining safety and soundness standards. Federal credit unions (FCUs), and federally insured, state-chartered credit unions (FISCUs) if permitted under state law to act as a surety or guarantor, continue to be subject to other requirements related to these arrangements, including the applicable lending regulations. The final rule follows publication of the December 29, 2025, proposed rule, and takes into consideration the public comments received.

The National Credit Union Administration's summary, as published in the Federal Register.

What changed in the regulation

1 part of Title 12 of the Code of Federal Regulations:

12 CFR 701

Wording on eCFR: the day before it took effect and from the day it took effect (first part listed).

Compared with

The National Credit Union Administration has published 19 final rules in 2026 so far, compared with 2 in all of 2025.

Counted by the Tribune from Federal Register records since Jan. 1, 2025.

Before this

1 earlier Federal Register document under regulation identifier 3133-AF80 since Jan. 1, 2025.

• Dec. 29, 2025 Proposed rule. Suretyship and Guaranty; Segregated Deposit and Collateral

What happens next and when

This final rule is effective on September 8, 2026.

The agency's dates, word for word.

Check it yourself

• The document in the Federal Register
• Title 12 on eCFR

The record as published

Source: the Federal Register (public domain). The document in the Federal Register