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Letters to Credit Unions and Other Guidance

From time to time, the NCUA will provide guidance and other information to the credit union system on regulatory and supervisory matters, trends affecting federally insured credit unions and potential risks and threats.

  • Letters to Credit Unions — Provide guidance on specific NCUA policies and procedures, compliance, governance, and other timely issues that affect all federally insured credit unions.
  • Letters to Federal Credit Unions — Provide guidance on specific NCUA policies and procedures, compliance, governance, and other timely issues that affect only credit unions with a federal charter.
  • Risk Alerts — Detail practices or external threats that potentially are a significant risk to the safety and soundness of the credit union system.
  • Regulatory Alerts — Provide guidance on rules and regulations from other agencies that all credit unions must comply with.
  • Supervisory Letters — Provide the NCUA’s examiners with instructions and information on a range of supervisory and regulatory issues.
  • Accounting Bulletins — Provide guidance and instructions on how changes in generally accepted accounting principles and other regulatory initiatives affect how credit unions report these items in their financial statements.
  • Consumer Financial Protection Updates — Announce new activity on consumer compliance laws, regulations and guidance.
  • Letters to Corporate Credit Unions — Provide guidance letters to inform corporate credit unions about specific NCUA policies and procedures, compliance, governance, and other timely issues.

You can search these regulatory letters going back to 1979 by document type, the year issued, by subject and by title or keywords. Please note that obsolete letters are not included.

Showing 1 - 60 of 406 Results
Docket # Title Subject Type Year Status
24-CU-02 Board of Director Engagement in Cybersecurity Oversight Cybersecurity Letters to Credit Unions 2024 Active
24-FCU-02 Permissible Loan Interest Rate Ceiling Extended Consumer Lending Letters to Federal Credit Unions 2024 Active
24-RA-01 Home Mortgage Disclosure Act Data Requirements HMDA Regulatory Alerts 2024 Active
24-CU-01 NCUA’s 2024 Supervisory Priorities Examination Program Letters to Credit Unions 2024 Active
24-FCU-01 Federal Credit Union Operating Fee Schedule for 2024 Operating Fee Letters to Federal Credit Unions 2024 Active
23-12 Technical Correction for the CECL Transition Amount Accounting Accounting Bulletins 2023 Active
23-CU-08 Resumption of Federal Student Loan Payments Risk Management Letters to Credit Unions 2023 Active
23-CU-07 Cyber Incident Notification Requirements Cybersecurity Letters to Credit Unions 2023 Active
23-CU-06 Importance of Contingency Funding Plans NCUA Operations/Activities Letters to Credit Unions 2023 Active
23-CU-05 Commercial Real Estate Loan Accommodations and Workouts Member Business Lending Letters to Credit Unions 2023 Active
23-CU-03 Completing the LIBOR Transition Risk Management Letters to Credit Unions 2023 Active
23-CU-04 Update to Interagency Policy Statement on Allowances for Credit Losses Accounting Letters to Credit Unions 2023 Active
23-RA-02 Home Mortgage Disclosure Act Data Collection Requirements for Calendar Year 2023 HMDA Regulatory Alerts 2023 Active
23-FCU-02 Permissible Loan Interest Rate Ceiling Extended Consumer Lending Letters to Federal Credit Unions 2023 Active
23-CU-02 Expansion of Permissible CUSO Activities and Associated Risks CUSOs Letters to Credit Unions 2023 Active
23-RA-01 Change to HMDA’s Closed-End Loan Reporting Threshold HMDA Regulatory Alerts 2023 Active
23-FCU-01 Federal Credit Union Operating Fee Schedule for 2023 Operating Fee Letters to Federal Credit Unions 2023 Active
23-CU-01 NCUA’s 2023 Supervisory Priorities Examination Program Letters to Credit Unions 2023 Active
22-FCU-03 Expiration of Emergency Exemption from Certain In-Person Meeting Requirements Operations Letters to Federal Credit Unions 2022 Active
22-CU-11 NCUA to Begin Phase 3 of Resuming Onsite Operations NCUA Operations/Activities Letters to Credit Unions 2022 Active
22-CU-10 Simplified CECL Tool for Credit Unions industry data Letters to Credit Unions 2022 Active
SL No. 22-01 Updates to Interest Rate Risk Supervisory Framework Interest Rate Risk Supervisory Letters 2022 Active
22-CU-09 Updates to Interest Rate Risk Supervisory Framework Interest Rate Risk Letters to Credit Unions 2022 Active
22-02 Current Expected Credit Losses (CECL) Effective Date for Credit Unions (Revised) Accounting Accounting Bulletins 2022 Active
22-CU-08 Risk-Based Approach to Assessing Customer Relationships and Conducting Customer Due Diligence Risk Management Letters to Credit Unions 2022 Active
22-CU-07 Federally Insured Credit Union Use of Distributed Ledger Technologies Operations Letters to Credit Unions 2022 Active
22-CU-06 NCUA to Begin Phase 2 of Resuming Onsite Operations NCUA Operations/Activities Letters to Credit Unions 2022 Inactive
22-RISK-01 Heightened Risk of Social Engineering and Phishing Attacks Cybersecurity Risk Alerts 2022 Active
22-FCU-02 Final Rule on Definition of Service Facility Field of Membership Letters to Federal Credit Unions 2022 Active
22-01 Current Expected Credit Losses (CECL) Effective Date for Credit Unions Accounting Accounting Bulletins 2022 Active
22-CU-05 CAMELS Rating System Examination Program Letters to Credit Unions 2022 Active
22-CU-04 Equal Credit Opportunity Act Nondiscrimination Requirements Consumer Protection Letters to Credit Unions 2022 Active
22-CU-03 Special Purpose Credit Programs Consumer Lending Letters to Credit Unions 2022 Active
22-RA-03 2022 Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold Mortgage Lending Regulatory Alerts 2022 Active
22-RA-02 Submission of 2021 Home Mortgage Disclosure Act Data HMDA Regulatory Alerts 2022 Active
22-RA-01 Home Mortgage Disclosure Act Data Collection Requirements for Calendar Year 2022 HMDA Regulatory Alerts 2022 Active
22-FCU-01 Operating Fee Schedule Adjusted for 2022 Operating Fee Letters to Federal Credit Unions 2022 Active
22-CU-02 NCUA’s 2022 Supervisory Priorities Examination Program Letters to Credit Unions 2022 Inactive
22-CU-01 Submission for 2021 Voluntary Credit Union Diversity Self-Assessment Extended to January 31, 2022 Credit Union Diversity Letters to Credit Unions 2022 Active
21-RA-11 2022 Threshold Adjustments Under the Truth in Lending Act (Regulation Z), the Consumer Leasing Act (Regulation M), and the Fair Credit Reporting Act (Regulation V) Appraisals Regulatory Alerts 2021 Active
21-CU-17 Voluntary Credit Union Diversity Self-Assessment Credit Union Diversity Letters to Credit Unions 2021 Active
21-CU-16 Relationships with Third Parties that Provide Services Related to Digital Assets Digital Assets/Cryptocurrency Letters to Credit Unions 2021 Active
21-CU-15 Automated Cybersecurity Evaluation Toolbox Cybersecurity Letters to Credit Unions 2021 Active
21-RA-10 2022 Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages) Consumer Lending Regulatory Alerts 2021 Active
21-FCU-06 Federal Credit Union Meeting Flexibility in 2022 Due to the COVID-19 Pandemic Operations Letters to Federal Credit Unions 2021 Inactive
21-CU-14 Interagency Statement on Supervisory and Enforcement Practices Regarding the Mortgage Servicing Rules in Response to the Continuing COVID-19 Pandemic and CARES Act Examination Program Letters to Credit Unions 2021 Inactive
21-CU-13 Subordinated Debt Final Rule Effective January 1, 2022 Capital Planning Letters to Credit Unions 2021 Active
21-CU-12 Internal Revenue Service’s Volunteer Income Tax Assistance Program Collaboration Opportunities Partnerships Letters to Credit Unions 2021 Active
21-CU-11 Emergency Capital Investment Program Participation Capital Planning Letters to Credit Unions 2021 Active
21-CU-10 Interagency Statement on LIBOR Transition Risk Management Letters to Credit Unions 2021 Active
21-RISK-01 Business Email Compromise through Exploitation of Cloud-Based Email Services Cybersecurity Risk Alerts 2021 Active
21-RA-09 CFPB Issues New Specifications for its Collect Website Relating to Credit Card Data Submission Consumer Lending Regulatory Alerts 2021 Active
21-FCU-05 Post-Examination Survey Pilot Examination Program Letters to Federal Credit Unions 2021 Active
21-CU-08 Implementation of Modernized Systems NCUA Operations/Activities Letters to Credit Unions 2021 Active
21-FCU-04 Permissible Loan Interest Rate Ceiling Extended Consumer Lending Letters to Federal Credit Unions 2021 Active
21-CU-07 Capitalization of Unpaid Interest Consumer Lending Letters to Credit Unions 2021 Active
21-RA-08 CFPB Amends Mortgage Servicing Requirements for Borrowers Affected by the COVID-19 Emergency Mortgage Lending Regulatory Alerts 2021 Inactive
21-CU-06 NCUA to Implement Phase One of Resuming Onsite Operations NCUA Operations/Activities Letters to Credit Unions 2021 Active
21-CU-05 Interagency Statement on the Issuance of the Anti-Money Laundering/Countering the Financing of Terrorism National Priorities BSA/AML Letters to Credit Unions 2021 Active
21-CU-04 Renewal of Prompt Corrective Action Relief Capital Planning Letters to Credit Unions 2021 Inactive
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