Credit Union Regulatory Guidance Including: NCUA, CFPB, FDIC, OCC, FFIEC

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA request for feedback on data collections. Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.Hire us and gain:• Peace of mind during your exam process• Insider knowledge of NCUA procedures and expectations• Strategies to address potential issues before they become problems• Continuous access to our extensive subject matter expertiseWith our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union achieves flying colors in its next examination.Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA just released its 2026 Annual Performance Plan, and it offers a clear look at where the agency is focusing its resources this year. Here are the highlights:What NCUA is announcing:17 annual performance goals supported by 23 performance indicators, all aligned to the new 2026-2030 Strategic PlanA commitment to issue at least 30 regulatory actions or policy revisions that reduce regulatory or administrative burden on credit unionsPlans to eliminate unnecessary or unduly burdensome examination scope stepsFinal regulations on permissible stablecoin activities for all federally insured credit unionsDeployment of the Analytics 2.0 Phase I upgrade to the MERIT examination system by Q1 2026Key milestones in NCUA's AI roadmap, including a large language model pilot, an AI Steering Committee, and a refined AI strategyAt least three joint NCUA-State Supervisory Authority engagements to strengthen the dual chartering systemWhy the change is occurring:NCUA is reorganizing to focus on core statutory functions, eliminate duplication, and reduce non-essential activitiesThe agency wants to reallocate resources toward material risks while reducing lower-priority work for both examiners and credit unionsRapid changes in technology, digital assets, and payment systems require updated regulations and guidanceStronger data, analytics, and AI capabilities are needed to keep pace with an increasingly complex credit union systemWhat is NOT changing:NCUA's core mission to safeguard federally insured credit unions and protect the Share Insurance FundThe statutory requirement to maintain the Share Insurance Fund equity ratio at or above 1.2 percentTimely follow-up examinations for troubled credit unions - target is at least 97 percent initiated within established timeframes for CAMELS 4/5 credit unions and CAMELS 3 credit unions over $250 millionCommitment to an unmodified ("clean") opinion on financial statement audits and a FISMA maturity rating of at least Level 4Ongoing support for low-income credit unions through Congressionally appropriated grantsThe 10,000-foot takeaway: NCUA is signaling a leaner, more risk-focused agency in 2026. Expect meaningful burden reduction, a final stablecoin rule, smarter use of data and AI in examinations, and continued organizational realignment - all while maintaining the financial resilience of the Share Insurance Fund. Credit unions should watch closely for the 30-plus regulatory and policy revisions coming this year, as many will directly affect exam scope, compliance expectations, and innovation opportunities.If your credit union wants help preparing for an NCUA exam, visit MarkTreichel.com. Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.Hire us and gain:• Peace of mind during your exam process• Insider knowledge of NCUA procedures and expectations• Strategies to address potential issues before they become problems• Continuous access to our extensive subject matter expertiseWith our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union achieves flying colors in its next examination.Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA just released its 2026-2030 Strategic Plan, laying out the agency's priorities for the next five years. Here's what credit union leaders should know.What NCUA is announcing:Three strategic goals: safeguarding federally insured credit unions, enabling access to cooperative financial services and responsible innovation, and strengthening the agency's own capabilities and performanceA comprehensive review of the regulatory framework to remove rules that are outdated, duplicative, or unnecessarily burdensomeExpanded use of data, analytics, and AI tools in examination and supervisionA push to foster responsible adoption of financial technology, digital assets, and blockchain-based innovationStreamlined chartering, field of membership, and expansion processesInternal restructuring focused on core statutory functions, merit-based hiring, and reduced duplicationWhy the change is occurring:Feedback from NCUA's first-ever Strategic Planning Town Hall in September 2025 with credit unions, leagues, trade associations, and CUSOsA financial services environment evolving rapidly with AI, digital assets, and shifting member expectationsPresidential executive orders and laws like the GENIUS Act driving new regulatory responsibilitiesA recognition that disciplined, risk-focused supervision serves both safety and soundness and member accessWhat is NOT changing:NCUA's core mission: enabling access to financial services by facilitating safe, sound, and resilient credit unionsStatutory responsibility to protect the Share Insurance Fund and credit union membersRisk-focused examination framework (it's being refined, not replaced)Coordination with FFIEC, FSOC, and state regulatorsAgency values: results, integrity, teamwork, and accountability10,000-foot takeaway: NCUA is signaling a lighter, more targeted regulatory touch paired with a modernized, tech-enabled supervisory approach. Expect continued focus on material risks, fewer administrative burdens, and more room for credit unions to innovate responsibly, while the Share Insurance Fund and safety-and-soundness remain non-negotiable. Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.Hire us and gain:• Peace of mind during your exam process• Insider knowledge of NCUA procedures and expectations• Strategies to address potential issues before they become problems• Continuous access to our extensive subject matter expertiseWith our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union achieves flying colors in its next examination.Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/https://www.marktreichel.com/podcasthttps://www.linkedin.com/in/mark-treichel/2024 September NCUA Board Meeting: Simplified Share Insurance RulesThis episode covers the NCUA's final rule on simplifying share insurance coverage, focusing on trust accounts and mortgage servicing accounts. The discussions include details on the changes, their implications, and responses to questions and comments from the NCUA board members. Introduction Final Rule on Part 745 Presentation of the Final Rule Simplification of Trust Accounts Comments and Further Discussion Mortgage Servicing Accounts Record Keeping Regulations Board Members' Questions Conclusion Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.Hire us and gain:• Peace of mind during your exam process• Insider knowledge of NCUA procedures and expectations• Strategies to address potential issues before they become problems• Continuous access to our extensive subject matter expertiseWith our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union achieves flying colors in its next examination.Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.