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Access the current version of the ncua's rules and regulations Title 12 was last amended 9/25/2025. The ncua invites the public to submit a comment on any of its proposed rules

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Additionally, you can view the agency’s recently approved final rules. Displaying title 12, up to date as of 9/29/2025 Each federally insured credit union shall establish and maintain such reserves as may be required by the fcua, by state law, by regulation, or in special cases by the ncua board or appropriate state official.

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In determining the insurability of a credit union which makes application for insurance and in continuing the insurability of its accounts pursuant to title ii of the act, the following criteria shall be applied

(a) reserves — (1) general rule. A complete guide of policies or written programs required or recommended by the federal credit union act, ncua regulations, and federal credit union bylaws is found in the two tables below. The code of federal regulations (cfr) is the official legal print publication containing the codification of the general and permanent rules published in the federal register by the departments and agencies of the federal government. Explore the intricate relationship between credit unions and regulations, including key legislation, compliance challenges, and consumer protection in the evolving financial landscape.

Since the passage of the depository institutions deregulation and monetary control act of 1980, depository institutions, including credit unions have been subject to reserve requirements against certain types of deposit and sources of funds.