Final rule · 2026-23281

Nondiscrimination Requirements

The NCUA Board (Board) is publishing this final rule to remove a redundant and outdated regulation regarding nondiscrimination in lending. The regulation was intended to summarize the Fair Housing Act (FHA) prohibitions on discrimination related to real estate related loans, appraisals, and advertising. The Board's last substantive amendment to the regulation was finalized in 2001. Thus, the regulation does not reflect all case law or regulatory developments under the FHA, a statute that primarily falls under the jurisdiction of the Department of Housing and Urban Development (HUD) and continues to apply to federal credit unions (FCUs) regardless of this regulation. For these reasons, the Board is removing the regulation in its entirety.