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Final ruleTook effect Nov. 4, 2026

Member Business Loans; Commercial Lending

Built by the Tribune's code from the Federal Register. No AI wrote this page. Published in the Federal Register Nov. 4, 2026. Document 2026-22537. Updated Nov. 5, 2026.

What it does

The NCUA Board (Board) is amending its regulations governing member business loans and commercial lending. This interim final rule eliminates an outdated, transitional provision that is no longer necessary. This action is necessary to reduce regulatory complexity and improve the clarity of the NCUA's regulations. The intended effect is to enhance clarity and simplify compliance for federally insured credit unions (FICUs).

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 723

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

No earlier Federal Register document under regulation identifier 3133-AG12 since Jan. 1, 2025.

What happens next and when

This rule is effective on November 4, 2026. Comments must be received on or before January 4, 2027.

The agency's dates, word for word.

Document number2026-22537
ActionInterim final rule; request for comments.
AgenciesNational Credit Union Administration
PublishedNov. 4, 2026
Effective dateNov. 4, 2026
Comments closeJan. 4, 2027
Regulation identifier (RIN)3133-AG12
DocketNCUA-2026-1884

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