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About
About
Created by the U.S. Congress in 1970, the National Credit Union Administration is an independent federal agency that insures deposits at federally insured credit unions, protects the members who own credit unions, and charters and regulates federal credit unions.
Regulation & Supervision
Regulation & Supervision
The NCUA protects the safety and soundness of the credit union system by identifying, monitoring and reducing risks to the National Credit Union Share Insurance Fund. Backed by the full faith and credit of the United States, the Share Insurance Fund provides up to $250,000 of federal share insurance to millions of account holders in all federal credit unions and the overwhelming majority of state-chartered credit unions.
Analysis
Analysis
The NCUA’s economists and analysts compile data on the credit union system’s financial performance, merger activity, changes in credit union chartering and fields of membership, as well as broader economic trends affecting credit unions. Users can find information on a single credit union or analyze broader nation-wide trends.
Support Services
Support Services
The NCUA provides a number of support services to the credit union system, such as providing training, grants and loans, chartering, and field-of-membership services; maintaining the health and stability of Share Insurance Fund; managing the assets of failed credit unions; and providing emergency liquidity.
Consumers
Consumers
The NCUA works to protect credit union members and consumers, raise awareness of potential frauds, facilitate access to affordable financial services, and educate consumers on the importance of savings and how they can improve their financial well-being.
News
News
Stay up to date on the NCUA's activities by subscribing to the NCUA's Express messages. Read press releases, speeches, testimony, and Annual Reports. Register for upcoming conferences and events.

CFPB Publishes 2019 Lists of Rural and Underserved Counties and Updates Website Tool

19-07 / March 2019

CFPB Publishes 2019 Lists of Rural and Underserved Counties and Updates Website Tool

Subject

Mortgage Lending

Status

Active

On February 12, 2019, the Consumer Financial Protection Bureau published the 2019 list of rural and underserved counties, and a separate 2019 list that includes only rural counties. The CFPB also updated its rural or underserved areas tool for 2019.

The final lists can help credit unions determine whether a property is located in a rural or underserved area for purposes of applying certain regulatory provisions related to mortgage loans. The CFPB issues new lists annually for creditors to use during the applicable time frame. Your credit union may rely on the more comprehensive website tool to provide a safe harbor determination whether a property is located in a rural or underserved area.

If your credit union makes at least one first-lien mortgage loan secured by a property located in a rural or underserved area during 2019, it qualifies as a creditor operating in a rural or underserved area during 2020, and for loan applications received before April 1, 2021.

To access the 2019 lists go to https://www.consumerfinance.gov/policy-compliance/guidance/rural-and-underserved-counties-list/.

To access the rural and underserved areas tool go to https://www.consumerfinance.gov/rural-or-underserved-tool/.

Additional Information

You can find information about the CFPB’s mortgage rules on the NCUA’s Consumer Compliance Regulatory Resources page. If you have questions about this information, please contact the NCUA’s Office of Consumer Financial Protection at (703) 518-1140 or by email at ComplianceMail@ncua.gov. You can also contact your NCUA regional office or your state supervisory authority.

Last modified on

10/30/20