diff --git a/PR.md b/PR.md
new file mode 100644
index 0000000..e85aa0f
--- /dev/null
+++ b/PR.md
@@ -0,0 +1,108 @@
+# Fix panic when a custom type function returns nil for a pointer field
+
+## Problem
+
+A `DecodeCustomTypeFunc` registered against a pointer type is a natural way
+to say "there is no value, leave this pointer nil" by returning `nil, nil`
+for an empty input (the `time.Time`-style workaround for "unset" is not
+available for a custom pointer type). Doing that panics:
+
+```go
+type CustomTime *time.Time
+
+type TestError struct {
+    CT CustomTime
+}
+
+decoder := form.NewDecoder()
+decoder.RegisterCustomTypeFunc(func(s []string) (interface{}, error) {
+    if s[0] == "" {
+        return nil, nil
+    }
+    parsed, err := time.Parse(time.RFC3339, s[0])
+    if err != nil {
+        return nil, err
+    }
+    return CustomTime(&parsed), nil
+}, CustomTime(nil))
+
+var test TestError
+decoder.Decode(&test, url.Values{"CT": {""}})
+```
+
+```
+panic: reflect: call of reflect.Value.Set on zero Value
+```
+
+## Root cause
+
+`decoder.go:196-204`, inside the custom-type-function branch of
+`setFieldByType`:
+
+```go
+val, err := cf(arr[idx:])
+if err != nil {
+    d.setError(namespace, err)
+    return
+}
+
+v.Set(reflect.ValueOf(val))
+```
+
+When `cf` returns a nil `interface{}`, `reflect.ValueOf(val)` is the invalid
+zero `reflect.Value`, and `Set` panics on it.
+
+This exact bug was fixed once in #68, but that fix went through the generic
+`case reflect.Ptr:` recursion path instead of guarding the nil case, which
+discarded the custom function's own return value for a pointer type whenever
+it returned something other than nil. That regressed the case where the
+custom function itself returns a fully populated pointer (`&User{...}`), so
+#68 was reverted in #69, and the original nil-pointer panic has been back on
+master since.
+
+## Fix
+
+Guard against a nil `val` before calling `Set`, right where the value is
+produced, instead of special-casing `reflect.Ptr` after the fact. A nil
+return leaves the field at its existing zero value, everything else is set
+exactly as before:
+
+```go
+if val == nil {
+    return
+}
+
+v.Set(reflect.ValueOf(val))
+```
+
+## Verification
+
+`TestDecoder_CustomTypeFuncPointerNilValue` in `decoder_test.go` covers both
+sides: a custom function for `*User` that returns `nil, nil` for an empty
+value (must not panic, field stays nil), and the same function returning a
+populated `*User` (must still decode correctly - this is the case #68 broke).
+
+Reverting only the `setFieldByType` guard (test left in place) panics the
+test binary itself, not just a failed assertion:
+
+```
+--- FAIL: TestDecoder_CustomTypeFuncPointerNilValue
+panic: reflect: call of reflect.Value.Set on zero Value [recovered]
+	panic: reflect: call of reflect.Value.Set on zero Value
+...
+	.../decoder.go:202 +0x35f
+	.../decoder.go:177 +0x1f0
+	.../form_decoder.go:174 +0x225
+```
+
+`go build ./...`, `go vet ./...` and `gofmt -l decoder.go decoder_test.go`
+are clean. `go test ./... -count=1` and `go test ./... -count=1 -race`: 48
+tests, all passing, including the new one.
+
+## Flags for the account owner
+
+- `.github/CONTRIBUTING.md` only asks for tests covering the change; no
+  CLA/DCO step.
+- No behaviour change for any case that already worked: a nil-returning
+  custom function on a pointer field previously always panicked, so there is
+  no existing caller relying on that panic.
diff --git a/decoder.go b/decoder.go
index d746ea0..a912e0c 100644
--- a/decoder.go
+++ b/decoder.go
@@ -199,6 +199,14 @@ func (d *decoder) setFieldByType(current reflect.Value, namespace []byte, idx in
 					return
 				}
 
+				// A custom function returning a nil interface has no value to
+				// set, eg. to signal "leave this field at its zero value" for
+				// an empty input; reflect.ValueOf(nil) is the invalid zero
+				// Value and Set would panic on it.
+				if val == nil {
+					return
+				}
+
 				v.Set(reflect.ValueOf(val))
 				set = true
 				return
diff --git a/decoder_test.go b/decoder_test.go
index 2b631a0..3424c70 100644
--- a/decoder_test.go
+++ b/decoder_test.go
@@ -1881,6 +1881,37 @@ func TestDecoder_RegisterCustomTypeFunc(t *testing.T) {
 	Equal(t, v.Slice, []customString{"customv1", "customv2"})
 }
 
+func TestDecoder_CustomTypeFuncPointerNilValue(t *testing.T) {
+	type User struct {
+		Name string
+	}
+
+	type TestStruct struct {
+		U *User `form:"u"`
+	}
+
+	d := NewDecoder()
+	d.RegisterCustomTypeFunc(func(vals []string) (interface{}, error) {
+		if vals[0] == "" {
+			// Signals "leave the field at its zero value" for an absent input,
+			// this must not panic even though the field itself is a pointer.
+			return nil, nil
+		}
+		return &User{Name: vals[0]}, nil
+	}, &User{})
+
+	var empty TestStruct
+	err := d.Decode(&empty, url.Values{"u": {""}})
+	Equal(t, err, nil)
+	Equal(t, empty.U, nil)
+
+	var populated TestStruct
+	err = d.Decode(&populated, url.Values{"u": {"bob"}})
+	Equal(t, err, nil)
+	NotEqual(t, populated.U, nil)
+	Equal(t, populated.U.Name, "bob")
+}
+
 func TestDecoder_EmptyArrayString(t *testing.T) {
 	type T1 struct {
 		F1 string `form:"F1"`