Credit unions; Oklahoma Credit Unions Reform Act of 2026; effective date.

HB 3921 is a procedural bill that establishes the name "Oklahoma Credit Unions Reform Act of 2026" and sets its effective date as November 1, 2026. It does not create new regulatory requirements or alter credit union operations, as it specifies the law will not be codified in the Oklahoma Statutes. The bill solely serves to formally name the legislation and define its implementation timeline. This is a standard procedural step for bills, not a substantive policy change.