Inside the NCUA Exam Report: What Findings and DORs Really Mean NCUA examination reports often contain more than meets the eye. Examiner findings, supplementary facts, and documents of resolution may look like routine supervisory language, but each serves a distinct purpose. Understanding the differences — and how NCUA uses each — helps boards and management respond appropriately, prioritize resources, and avoid unnecessary escalation. This post explains how these sections wo

. . Have Uninsured Depositors Become De Facto Insured? A recent New York University Law Review  article raises a provocative — and well-documented — question: Why have uninsured depositors effectively stopped bearing losses when banks fail? The short answer, according to the research, is not a change in the law — but a change in how failures are resolved . The core finding Formally, U.S. deposit insurance remains capped at $250,000. In practice, however, uninsured depositors

Less Is More NCUA Proposes to Eliminate the Official Advertising Statement Requirement The National Credit Union Administration has issued a proposed rule that would significantly simplify advertising requirements for federally insured credit unions. At a high level, the proposal would remove the long-standing requirement that credit unions include an official advertising statement—such as “Federally insured by NCUA”—in all advertisements. The rule is part of the agency’s bro

Fintech Flex Federal Reserve Rescinds 2023 Section 9(13) Policy and Reframes Approach to Bank Innovation On December 22, 2025, the Federal Reserve finalized a notable but understated regulatory change: it formally rescinded its 2023 policy statement interpreting Section 9(13) of the Federal Reserve Act and replaced it with a new policy framework intended to better facilitate innovation by state member banks—while maintaining safety and soundness and financial system stability