ViClarity Compliance Update

Illinois interchange decision, NCUA’s GENIUS Act update, and merger-review guidance.

Federal Court Upholds Illinois Interchange Fee Prohibition Act
There are complicated topics and then, there is the Illinois Interchange Fee law – a totally different level of complicated. From prior federal rumors to the current state of Illinois, interchange fees can become a complicated topic of conversation for the industry. So, here’s an uncomplicated review of the issues by explaining the state of Illinois’s Interchange Fee law and recent court case updates. Read more here.
 
GENIUS Move! NCUA Releases First Step in Implementation of GENIUS Act
Last year, the U.S. saw the passage of the GENIUS Act, which implemented the first federal regulatory framework for stablecoin issuers. Part of the Act required that federal agencies develop an implementation framework for regulated entities such as credit unions. To that end, the National Credit Union Administration (NCUA) has developed and proposed the first step towards stablecoin implementation within the credit union industry. Find out more here.
 
Is a Merger the Right Fit for Your Credit Union? And How Do You Prepare?
Year after year, the number of credit unions continues to decline. According to NCUA Q3 2025 data, there were 4,331 credit unions nationwide, down from 4,370 in Q2. Mergers remain a primary driver of consolidation, occurring for a variety of reasons including succession challenges, membership expansion, competitive pressures, and increasing technology and compliance demands. Read more here.
 
Q1 2026 Town Hall Webinar - Starting 2026 Strong: A Look at Where the Credit Union Industry Stands
March 25, 2026 | 1 p.m. CT  / 12 p.m. MT
Join Crystal Streeper of ViClarity for a practical and high-level outlook on emerging regulatory focus areas, examiner expectations, and common compliance pain points credit unions are navigating right now. We’ll connect the dots between what’s happening across the industry and what it means for your compliance program, governance practices, and risk management priorities. Register here.
 
​Recent Q&As: February 2026 – Part 2

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