Below is the most recent updates and revisions to the ii Releases. The League will change the footers of the ii Releases as each one is revised or updated. The title of the ii Release will also now be added to the footer, after the ii Release number. Titles of releases will be truncated as necessary to fit the space. This will help identify ii Release pages individually when they are printed.
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– 2026 –
| Oct | ii Release | Pages |
|---|---|---|
| 13 | ii Release No. B033 – Required Signatures on Homestead Loans, has been updated to explain how a Wisconsin Court of Appeals decision strictly enforced Wisconsin homestead statute, which provides that a mortgage (or other conveyance) of a married person’s homestead shall not be valid unless the document is signed by or on behalf of each spouse. The sole exception is for a purchase money mortgage, where only the purchasing spouse need sign the mortgage. This Compliance Courier has more information. The Release also now reflects that the homestead law applies even if the property is titled in the name of a trust, because the homestead law protects the interests of both spouses in the home. The trustee would sign on behalf of the trust, and each spouse would sign individually to alienate their homestead interests. | 1 – 2 |
| Aug | ii Release | Pages |
|---|---|---|
| 11 | ii Release no. 0113 – NCUA Rules on Account Insurance Coverage, has been revised to reflect NCUA’s new share deposit insurance rules for trust accounts effective Dec. 1, 2026 and to update links and NCUA contact information. The ii Release will be updated again after NCUA publishes a new “Your Insured Funds” brochure to reflect the new trust accounts insurance rules. | 1 – 63 |
| Jul | ii Release | Pages |
|---|---|---|
| 29 | ii Release No. 0080 – State and Federal Notice Posting Requirements, has been updated to replace obsolete federal and state notice postings with current information, new links and revised dates. | 1 – 10 |
| 16 | ii Release No. 0184 – Saver’s Sweepstakes Compliance FAQs, has been updated to add a question and answer about how a credit union can end its participation in the Saver’s Sweepstakes program. | 1 – 25 |
| 14 | ii Release No. 0149 – Record Retention and Disposal, formerly known as “Disposal of Records” has been retitled as “Record Retention and Disposal.” We have added a summary of the NCUA’s general requirements for credit unions to maintain a “vital records” preservation program. The new material reflects the amended NCUA rules that took effect on July 16, 2026. This League Compliance Courier covered the amendment. As the ii Release now explains, record retention rules that are specific to the Bank Secrecy Act and other federal regulations are discussed in various other ii Releases. See The League’s Topics A-Z page on Record Retention for resources and links to those specific requirements. Note that Wisconsin repealed its credit union record retention regulations for state-chartered credit unions in 2021. | 1 – 7 |
| Jun | ii Release | Pages |
|---|---|---|
| 26 | ii Release No. 0072 – Servicemembers’ Civil Relief Act, and ii Release No. B067 – Lending to Servicemembers, have been revised to reflect that the NCUA recommends that credit union staff whose responsibilities relate to compliance with the Servicemembers Civil Relief Act or the Military Lending Act receive “training that is comprehensive and covers the various aspects of the provisions that apply to the creditor’s offerings and operations.” | 1 – 10 1 – 30 |
| 26 | ii Release No. 0185 – Credit Union Training Checklist, has been updated to add material about required and suggested training for credit unions. New sections have been inserted with information on training related to:
| 1 – 20 |
| 26 | ii Release No. B083 – Reg. B – Small Business Lending Rule, now includes a prominent notice regarding recent CFPB changes to its Reg. B small business lending rule, which will require certain credit unions to collect and report data about loans to small businesses. This Compliance Courier has details. The ii Release does not yet cover those changes. When the CFPB publishes an updated Small Entity Compliance Guide for the revised rule, The League will update the ii Release and attach the revised guide as an exhibit. | 1 – 145 |
| 25 | ii Release No. 0116 – Trusts, has been updated to include a sample Wisconsin Certification of Trust. | 1 – 18 |
| May | ii Release | Pages |
|---|---|---|
| 26 | ii Release No. B002 – Variable Rate Adjustment Notices, and ii Release No. B046 – Consumer Kwik-Cash Loans, have been revised to remove outdated references to the use of the LIBOR index for variable rate loans. | 1 – 10 1 – 47 |
| 20 | ii Release No. 0107 – NCUA: The Basics of Data Processing (and Other Technology Service) Contracts, has been retired as the guidance is available directly through the NCUA’s Learning Management System. | |
| 20 | ii Release No. 0159 – BSA: Customer Identification Program and Customer Due Diligence, Exhibit I was updated to include the Financial Crimes Enforcement Network’s (“FinCEN’s”) re-issued frequently asked questions (FAQs) regarding customer due diligence requirements for covered financial institutions. These FAQs were separately published on July 19, 2016, April 3, 2018, and August 3, 2020, to assist covered financial institutions in understanding the scope of the final rule Customer Due Diligence Requirements for Financial Institutions, published on May 11, 2016, and amended on September 29, 2017. The purpose of re-issuing the FAQs is to consolidate the three sets of FAQs into one document and update certain FAQs to align with FinCen’s exceptive relief order issued on February 13, 2026 (FIN-2026-R001) (“Account Opening Exceptive Relief Order”). | 1 – 58 |
| 7 | ii Release No. 0110 – Consumer Approval Transactions, ii Release No. 0121 – Debt Collection in Wisconsin, ii Release No. B001 – Scope of Lending Laws, ii Release No. B019 – Compliance Checklist for Mobile Home Lending, ii Release No. B025 – Voluntary Surrender of Collateral; Right to Redeem, ii Release No. B030 – Adjustable Rate Mortgage Lending Programs, ii Release No. B047 – First Lien Residential Mortgage Loans Under § 138.052, ii Release No. B053 – Real Estate Mortgage Lending, ii Release No. B054 – Agricultural Lending, ii Release No. B055 – Wisconsin Consumer Act Registration, ii Release No. B064 – R.E.A.P. & Home Equity Lines of Credit, ii Release No. B066 – Self-help Repossession of Motor Vehicles, and ii Release No. B077 – Providing Copies of Appraisals, have been revised to reflect that the coverage of the Wisconsin Consumer Act (WCA) is expanding, effective Jan. 1, 2027. As this Compliance Courier explains, the WCA currently does not apply to consumer credit transactions in which the amount financed exceeds $25,000; motor vehicle consumer leases in which the total lease obligation exceeds $25,000; or other consumer transactions in which the cash price exceeds $25,000. The new law will raise the WCA jurisdictional amounts to $50,000, making more credit union consumer-purpose loans subject to the WCA. The League will revise any of its forms that refer to the $25,000 amount. Credit unions should update their procedures and systems as needed to prepare for the change. | 1 – 4 1 – 27 1 – 9 1 – 10 1 – 2 1 – 28 1 – 8 1 – 36 1 – 6 1 – 2 1 – 106 1 – 9 1 – 12 |
| 6 | ii Release No. 0168- Powers of Attorney, has been revised to clarify that Wisconsin law says, “a person may, in good faith, refuse to accept an acknowledged power of attorney within 10 business days of presentment” if certain conditions exist. | 1 – 24 |
| Apr | ii Releases | Pages |
|---|---|---|
| 24 | ii Release No. B022 – Interagency Policy Statement on Discrimination in Lending, is being discontinued due to its principles being superseded by recent amendments in Regulation B. The amendments will be effective July 21, 2026. | |
| 24 | ii Release No. B041 – Reg. B – Equal Credit Opportunity, is being updated pursuant to the CFPB issuing a final rule amending Regulation B, effective on July 21, 2026. Key changes include eliminating disparate impact liability (“effects test”) and discouragement of applicants as explained in this Compliance Courier. | 1 – 21 |
| 7 | ii Release No. 0161- Organizational Accounts, has been updated to reflect the relevant changes to Wisconsin law on partnerships, limited partnerships, limited liability partnerships (LLPs) and limited liability companies (LLCs). The statutes that govern those organizations were revised effective Jan. 1, 2023. Many of the changes have little impact on credit unions dealing with such organizations, but some changes impact who may act on an organization’s behalf. | 1 – 24 |
| 7 | ii Release No. B046 Consumer Kwik-Cash Loans – Consumer Kwik-Cash Loans, has been edited to clarify that The League’s Mini-Loan Application (#82053) may be used for Kwik-Cash line of credit applications. It is designed to be used if a credit union only needs minimal information for underwriting. (The mini application form does not include space to list debts.) The mini application form should not be used for:
| 1 – 47 |
| Mar | ii Release | Pages |
|---|---|---|
| 31 | ii Release No. B027 – Business Loans, has been revised to remove a reference to The League’s Business Kwik Cash Loan Agreement form (WCUL #82074), which has been discontinued due to lack of use. | 1 – 44 |
| Feb | ii Release | Pages |
|---|---|---|
| 23 | ii Release No. B027 – Business Loans, and ii Release No. 0191 – Required & Recommended Credit Union Policies, have been revised to describe a new member business loan sample policy, which Wisconsin state-chartered credit unions can consider using as a template. For more information, see this Compliance Courier. | 1 – 44 1 – 9 |
| 16 | ii Release No. 0159 – BSA: Customer Identification Program and Customer Due Diligence, is updated with the release of FIN-2026-R001, granting exceptive relief to credit unions from the CDD requirements to identify and verify the identities of beneficial owners of legal entity customers at each new account opening. In addition, FinCEN’s August 3, 2020 FAQs were added to the ii Release. | 1 – 60 |
| 2 | ii Release No. 0156 – Children’s Online Privacy Protection Act (COPPA), was updated to incorporate the FTC’s 2025 amendments to the Children’s Online Privacy Protection Rule (COPPA) which took effect June 23, 2025, with compliance required by April 22, 2026. The key amendments are explained in this Compliance Courier. | 1 – 11 |
| 2 | ii ReleaseNo. 0184 – Saver’s Sweepstakes Compliance FAQs, has been updated to reflect the new Project Manager for Saver’s Sweepstakes, The League’s Director of Councils & Networks, Jennifer Esser. | 1 – 24 |
| 2 | ii Release No. 0160 – Automated Clearing House (ACH) Compliance Resources, was revised to reflect current Nacha ACH rules and provide credit unions with a better framework when choosing to participate in the ACH network as either a receiving depository financial institution (RDFI) or an originating depository financial institution (ODFI). | 1 -14 |
| Jan | ii Release | Pages |
|---|---|---|
| 7 | ii Release No. B017 – Reg. C – Home Mortgage Disclosure Act, and ii Release No. B068 – Reg. Z – Higher-Priced Mortgage Loans, have been updated to reflect annual CFPB Adjustments to the HMDA reporting and HPML escrow thresholds, as explained in this 1/08/26 Compliance Courier. | 1-142 1 – 14 |
| 6 | ii Release No. 0007 – Wisconsin Unclaimed Property Law, has been revised to clarify that safe deposit box contents are presumed abandoned if not claimed by the owner for five years after the earliest of the following:
| 1 – 16 |
| 6 | ii Release No. B009- Mechanic’s Liens; Vehicle Towing & Storage Liens, has been revised to include updated dollar thresholds for mechanic’s liens and vehicle towing & storage liens for 2026. The new amounts apply for work commenced on or after Jan. 1. | 1 – 2 |
| 5 | ii Release No. 0066 – Payroll Deduction Forms, is no longer available. It described the use of League payroll deduction forms, which The League discontinued as of Jan. 1, 2026, for reasons that are explained in this Compliance Courier. | |
| 5 | ii Release No. B068 – Reg. Z – Higher-Priced Mortgage Loans, and ii Release No. B077 – Providing Copies of Appraisals, were updated to reflect the 2026 threshold for exempting loans from special appraisal requirements for higher-priced mortgage loans (HPMLs), as summarized in this 1/08/26 Compliance Courier. | 1 – 14 1 – 12 |
| 5 | ii Release No. B001 – Scope of Lending Laws, ii Release No. B006 – Automobile Leasing, ii Release No. B007 – Credit Practices Rule, ii Release No. B030 – Adjustable Rate Mortgage Lending Programs, ii Release No. B042- Reg. Z—Closed-End Credit Disclosures, ii Release No. B063 – FTC Rule on Preservation of Consumers’ Claims and Defenses, and ii Release No. B068 – Reg. Z – Higher-Priced Mortgage Loans, have been updated to reflect the 2026 exemption amounts under Truth in Lending and Reg. Z, as well as for leasing under Reg. M, as summarized in this 1/08/26 Compliance Courier. | 1 – 9 1 – 8 1 – 7 1 – 28 1 – 17 1 – 7 1 – 14 |
| 5 | ii Release No. B062 – Reg. Z: Home Ownership & Equity Protection Act (HOEPA) Rule, has been revised to reflect the 2026 dollar thresholds under the “points and fees” test to determine whether a mortgage is “high-cost,” as explained in this 1/07/26 Compliance Courier. | 1 – 60 |
– 2025 –
| Dec | ii Release | Pages |
|---|---|---|
| 16 | ii Release No. B014 – Real Estate Settlement Procedures Act (RESPA), and ii Release No. B047 – First Lien Residential Mortgage Loans Under § 138.052, have been updated to reflect that the Wisconsin Department of Financial Institutions announced that for 2026, the mandatory interest rate on certain required escrow accounts originated before April 18, 2018 will be 0.17% (down from 0.20% in 2025). For details, see this Compliance Courier. | 1 – 19 1 – 8 |
| 9 | ii Release No. 0146 – Safe Deposit Boxes, has been updated to reflect two recent changes to The League’s Safe Deposit Box Lease (WCUL #81071, Rev. 12/25). First, we added language to notify box renters that, “The contents of the Box are not insured by the Credit Union or the National Credit Union Administration.” Second, the lease agreement used to include an “Identification” box on p. 2, which asked for each lessee’s name, date of birth, telephone number, eye color, and a security code. We removed this box, which was no longer useful and may have caused confusion. For details, please see this Compliance Courier. | 1 -12 |
| Nov | ii Release | Pages |
|---|---|---|
| 11 | ii Release No. 0183 – Denial of Services, was updated to clarify the Reg. E requirements to send advance notice before suspending electronic fund transfer services on an account. | 1 – 14 |
| Oct | ii Release | Pages |
|---|---|---|
| 21 | ii Release No. B027 – Business Loans, has been revised to add material about the state’s recently revised MBL definition and exceptions. The League consulted with the OCU and the DFI’s Chief Legal Counsel about how far certain exceptions extend and other aspects of business lending compliance, as summarized in this Compliance Courier. That material has now been added to the ii Release. | 1 – 37 |
| Sep | ii Release | Pages |
|---|---|---|
| 26 | ii Release No. 0109 – BSA: Suspicious Activity Reports, has been revised to update links to SARs’ guidance and instructions. | 1 – 14 |
| 3 | ii Release No. 0072 – Servicemembers’ Civil Relief Act, and ii Release No. B058 – HUD’s Delinquent Homeowner Notice Requirement, have been revised to update the links to the current HUD forms. | 1 – 10 1 – 2 |
| 3 | ii Release No. 0001 – Membership, ii Release No. 0002 – WCUL Membership and Account Forms, ii Release No. 0004 – Release of Decedents’ Accounts, ii Release No. 0015 – Share Certificates, ii Release No. 0146 – Safe Deposit Boxes, ii Release No. 0161 – Organizational Accounts, ii Release No. 0168 – Powers of Attorney, ii Release No. 0173 – Guardianship, ii Release No. 0191 – Required & Recommended Credit Union Policies, and ii Release No. B005 – Wisconsin’s Marital Property Act, have been revised to reflect two updates that have been made to certain League account forms:
These releases have also been changed to remove references to The League’s old Marital Account Ownership Agreement (WCUL #82081), which was discontinued several years ago. | 1 – 9 1 – 13 1 – 15 1 – 11 1 – 12 1 – 24 1 – 24 1 – 18 1 – 9 1 – 16 |
| Aug | ii Release | Pages |
|---|---|---|
| 27 | ii Release No. B072 – NCUA IRPS: Loan Workouts, Nonaccrual Policy, and Regulatory Reporting of TDR Loans, now explains that credit unions which have adopted the Current Expected Credit Loss (CECL) standard are no longer required to comply with the TDR accounting requirements. Instead, they should reference their policy on Loan Workouts, Modifications, and Nonaccrual Standards. Please see the NCUA’s CECL Resources page. Credit unions with CECL questions should consult with their accountants. The League is maintaining ii Release No. B072 because credit unions with total assets under $10 million that have not adopted CECL may still need to account for TDRs, and they should properly classify and report TDRs when concessions are granted to borrowers experiencing financial difficulties. | 1 – 41 |
| 27 | ii Release No. B037 – Simple Interest Deferral and Extension Agreements, ii Release No. B046 – Consumer Kwik-Cash Loans, ii Release No. B064 – R.E.A.P. & Home Equity Lines of Credit, ii Release No. B072 – NCUA IRPS: Loan Workouts, Nonaccrual Policy, and Regulatory Reporting of TDR Loans, ii Release No. B075 – Reg. X & Reg. Z: Mortgage Servicing Rule, ii Release No. B081 – WCUL Loan Modification Agreement – Interest Rate and Payment Reduction (#83003), and ii Release No. 0121 – Debt Collection in Wisconsin, have been revised to remove outdated references to special rules, regulatory exceptions, and guidance that federal banking regulators issued to help consumers and financial institutions during the COVID pandemic. Many of the temporary provisions federal regulators had put in place were written to “sunset” automatically at the end of the pandemic. On April 10, 2023, then-President Biden signed a joint resolution of Congress declaring that “the national emergency declared by the finding of the President on March 13, 2020” related to the COVID-19 pandemic “is hereby terminated.” It then officially expired on May 11, 2023. Some COVID-related laws expired through other mechanisms. For example, the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) was signed into law in March 2020. Among other things, it gave financial institutions the option to temporarily suspend certain requirements under U.S. generally accepted accounting principles related to troubled debt restructurings (TDR) for a limited time to account for the effects of COVID-19. This suspension under the CARES Act expired as of Dec. 31, 2021. Of course, credit unions that have adopted the Current Expected Credit Loss (CECL) standard are no longer required to comply with the TDR accounting requirements. Instead, they should reference their policy on Loan Workouts, Modifications, and Nonaccrual Standards. However, credit unions with total assets under $10 million that have not adopted CECL may still need to account for TDRs, and they should return to normal classification and reporting of TDRs when concessions are granted to borrowers experiencing financial difficulty. Please note that the CFPB’s Small Entity Compliance Guide to its mortgage servicing rules, which is attached as an exhibit to ii Release No. B075, has not been revised since 2021. It still addresses COVID-related guidance and rules. | 1-14 1-47 1-106 1-41 1-206 1-10 1-27 |
| 13 | ii Release No. B001 – Scope of Lending Laws, ii Release No. B036 – Reg. Z – Right of Rescission, and ii Release No. B053 – Real Estate Mortgage Lending, were revised to remove outdated cross-references to a discontinued ii Release that the League used to publish on “tack-on” mortgage loans. | 1 – 9 1 – 7 1 – 36 |
| 1 | ii Release No. 0004 – Release of Decedents’ Accounts, and ii Release No. 0146 – Safe Deposit Boxes, have been revised regarding access to a safe deposit box after the death of a lessee. In particular, the releases now clarify that a surviving co-lessee may continue to access the box and remove contents. In addition, the releases now reflect that an heir (or certain other people) can present a properly completed, signed, and notarized Transfer by Affidavit form to access a box and remove its contents. The affidavit should list the actual contents of the box. It does not appear to be sufficient for the affidavit to reference just the box number or the lease or to make a vague reference to a box’s contents (such as “the contents of safe deposit box 123”). If the person signing the affidavit does not know the box’s contents, then it may be appropriate to conduct an inventory or will search. | 1 – 14 1 – 13 |