Lending compliance: Focus on three top priorities

CFPB, NCUA rules on Spring 2022 Unified Agenda

June 22, 2022

Federal regulators, including the Consumer Financial Protection Bureau and NCUA—issued the Spring 2022 Unified Agenda of Regulatory and Deregulatory Actions. The agendas identify projects under consideration from the agencies from June 1 to May 31, 2023.

The next agenda will be published in Fall 2022.


  • Pre-rule stage:
    • Consumer Access to Financial Records
  • Proposed Rule Stage
    • Amendments to FIRREA Concerning Automated Valuation Models
    • Property Assessed Clean Energy Financing
  • Final rule stage:
    • Small Business Lending Data Collection Under the Equal Credit Opportunity Act
    • Adverse Information in Cases of Human Trafficking Under the Debt Bondage Repair Act

CFPB Director Rohit Chopra published a blog post on the bureau’s approach to rulemaking last week, analysis can be found on CUNA’s Removing Barriers Blog.


  • Proposed rule stage
    • Automated Valuation Models
    • Investment and Deposit Activities
    • Purchase, Sale and Pledge of Loans
    • Compensation in Connection With Loans to Members and Lines of Credit to Members
    • Golden Parachute and Indemnification Payments
    • Uniform Rules of Practice and Procedure
    • Digital Assets and Related Technologies
    • Subordinated Debt
    • Procedures for Monitoring Bank Secrecy Act Compliance
    • ACCESS Initiative: Chartering and Field of Membership (FOM) Regulations
    • Computer-Security Incident Notification Requirements for Federally Insured Credit Unions
    • Fintech
  • Final rule stage
    • Combination Transactions With Non-Credit Unions; Credit Union Asset Acquisitions
    • Loans in Areas Having Special Flood Hazards; Interagency Questions and Answers Regarding Flood Insurance
    • Capital Adequacy: Risk-Based Net Worth Requirement (Paycheck Protection Program)
    • Central Liquidity Facility
    • Temporary Regulatory Relief in Response to COVID-19 Prompt Corrective Action
    • Overdraft Policy
    • Bank Secrecy Act
    • Loans in Areas Having Special Flood Hazards; Interagency Questions and Answers Regarding Private Flood Insurance
    • Asset Thresholds
    • Asset Threshold for Determining the Appropriate Supervisory Office
    • Succession Planning