NCUA's Proposed Rule to Eliminate Reputation Risk

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

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n this episode of Samantha Shares, we present the verbatim text of the N C U A’s proposed rule on Elimination of Reputation Risk.

The document covers:

• A Summary of the proposed rule to eliminate reputation risk from N C U A’s supervisory framework.
• Background and Policy Objectives — why reputation risk is subjective, inconsistent, and prone to examiner bias.
• Legal Authority — the Federal Credit Union Act provisions that give N C U A power to regulate.
• Description of the Proposed Rule and Changes — prohibiting examiners from citing, criticizing, or taking action against credit unions for reputation risk, including political, cultural, or religious reasons.
• Expected Effects — how this will affect all 4,370 federally insured credit unions, their members, and business partners.
• Regulatory Procedures — transparency, cost analysis, and references to Executive Orders and statutory requirements.

The proposal directly addresses concerns that reputation risk was being misused in examinations, particularly around politically sensitive or lawful but disfavored activities.

This audiobook-style episode presents the full Federal Register text as released, unedited and verbatim, for educational purposes.

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