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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 181 - 240 of 368 Results
Docket # Title Subject Type Year
13-FCU-03 Potential Violations of Common Bond Advertising Requirements Chartering/Field of Membership Letters to Federal Credit Unions 2013
2013-02 Implementing Section 704.21 – Enterprise Risk Management Risk Management Letters to Corporate Credit Unions 2013
13-RA-07 CFPB’s New Rule on Real Estate Appraisals and Other Written Valuations under the Equal Credit Opportunity Act Appraisals Regulatory Alerts 2013
13-RA-06 CFPB's Amended Remittance Transfer Rule Compliance Deadline: October 28, 2013 Payments Regulatory Alerts 2013
13-RA-05 New Escrow Requirements under the Truth in Lending Act Mortgage Lending Regulatory Alerts 2013
13-RA-04 Garnishment of Accounts Containing Federal Benefit Payments Consumer Protection Regulatory Alerts 2013
SL No. 13-03 Investing in Securities without Reliance on Nationally Recognized Statistical Rating Organizations (NRSRO) Ratings Risk Management Supervisory Letters 2013
13-CU-05 Guidance Investing in Securities without Reliance on Credit Ratings Investments Letters to Credit Unions 2013
2013-01 Final Rule - Alternatives to the Use of Credit Ratings Risk Management Letters to Corporate Credit Unions 2013
13-CU-03 Supervisory Guidance on Troubled Debt Restructuring Troubled Debt Restructuring Letters to Credit Unions 2013
SL No. 13-02 Examiner Review of Loan Workouts, Nonaccruals and Regulatory Reporting of Troubled Debt Restructured Loans Troubled Debt Restructuring Supervisory Letters 2013
13-FCU-02 2013 Fair Lending Examination Program and Compliance Assistance Examination Program Letters to Federal Credit Unions 2013
N/A Evaluating Credit Union Requests for Waivers of Provisions in NCUA Rules and Regulations Part 723, Member Business Loans (MBLs) Member Business Lending Supervisory Letters 2013
12-RA-04 Regulatory Alert: CFPB’s New Remittance Transfers Rule Payments Regulatory Alerts 2012
12-FCU-03 Small Credit Union Examination Program Examination Program Letters to Federal Credit Unions 2012
12-CU-07 Mortgage Servicing Practices Impacting Military Homeowner Military Lending/Service Members Letters to Credit Unions 2012
2012-01 Compliance Update for Section 314(a) of the USA Patriot Act of 2001 BSA/AML Letters to Corporate Credit Unions 2012
12-01 Interagency Supervisory Guidance Specifically Addressing Junior Lien Loans and Lines of Credit Accounting Accounting Bulletins 2012
12-FCU-01 Operating Fee Scale Reduced for FY 2012 Operating Fee Letters to Federal Credit Unions 2012
11-CU-12 Disclosing CAMEL Ratings to Federally Insured State Credit Unions (FISCUs) Examination Program Letters to Credit Unions 2011
2011-03 Annual Reporting Requirements and Internal Controls Assessments Required Under Section 704.15(a) of the National Credit Union Administration Rules and Regulations Auditing Letters to Corporate Credit Unions 2011
11-CU-08 Voluntary Prepayment of Assessments Program Corporate Resolution Program Letters to Credit Unions 2011
11-CU-04 Financial Education and Financial Literacy Initiative Financial Literacy Letters to Credit Unions 2011
11-CU-05 Planning and Preparedness for a Potential Government Shutdown Operations Letters to Federal Credit Unions 2011
11-FCU-02 Duties of Federal Credit Union Boards of Directors Governance Letters to Federal Credit Unions 2011
11-CU-01 Residential Mortgage Foreclosure Concerns Mortgage Lending Letters to Credit Unions 2011
10-CU-26 Evaluating Payment System Service Providers Payments Letters to Credit Unions 2010
10-CU-23 Best Practices in Real Estate Appraisals Appraisals Letters to Credit Unions 2010
10-FCU-03 Sales of Nondeposit Investments Investments Letters to Federal Credit Unions 2010
10-CU-22 NCUA’s Merger Partner Registry Mergers Letters to Credit Unions 2010
10-CU-18 Investment Due Diligence Investments Letters to Credit Unions 2010
10-CU-17 NCUSIF Premium Analysis Share Insurance Letters to Credit Unions 2010
10-RA-12 Member Notice Requirements for Overdraft Services Overdrafts Regulatory Alerts 2010
10-RA-11 Consolidation of Federal Reserve Board Check Centers: Impact on Deposit Holds and Funds Availability Payments Regulatory Alerts 2010
10-CU-16 Reverse Mortgages Mortgage Lending Letters to Credit Unions 2010
10-CU-15 Indirect Lending and Appropriate Due Diligence Consumer Lending Letters to Credit Unions 2010
10-CU-14 Strengthening Funding and Liquidity Risk Management Liquidity Risk Letters to Credit Unions 2010
2010-01 Confidentiality and Protection of Sensitive Data Cybersecurity Letters to Corporate Credit Unions 2010
10-RA-10 Potential Risks of Property Assessed Clean Energy Loans Mortgage Lending Regulatory Alerts 2010
10-01 Interagency Supervisory Guidance on Bargain Purchases And FDIC- and NCUA-Assisted Acquisitions Accounting Accounting Bulletins 2010
10-RA-08 Unlawful Internet Gambling Enforcement Act of 2006 Payments Regulatory Alerts 2010
10-RA-07 FFIEC Release of Updated Retail Payment Systems Examination Handbook Payments Regulatory Alerts 2010
10-CU-11 Information on NCUAs Merger and Purchase Assumption Process Mergers Letters to Credit Unions 2010
10-CU-09 Temporary Corporate Credit Union Stabilization Fund Assessment Corporate Resolution Program Letters to Credit Unions 2010
10-CU-08 Guidance for National Flood Insurance Program Authority Lapses Flood Insurance Letters to Credit Unions 2010
10-CU-07 Commercial Real Estate Loan Workouts Member Business Lending Letters to Credit Unions 2010
10-CU-06 Interagency Advisory on Interest Rate Risk Management Interest Rate Risk Letters to Credit Unions 2010
N/A Concentration Risk Concentration Risk Supervisory Letters 2010
10-CU-03 Concentration Risk Concentration Risk Letters to Credit Unions 2010
N/A Current Risks in Business Lending and Sound Risk Management Practices Member Business Lending Supervisory Letters 2010
N/A Supervising Low Income Credit Unions and Community Development Credit Unions Examination Program Supervisory Letters 2010
10-RA-03 Interagency Guidance on Conducting Cross-Border Funds Transfers Payments Regulatory Alerts 2010
10-CU-01 Supervising Low Income Credit Unions and Community Development Credit Unions Examination Program Letters to Credit Unions 2010
SL No. 09-03 Reviewing Adequacy of Earnings Examination Program Supervisory Letters 2009
09-CU-23 Reviewing Adequacy of Earnings Examination Program Letters to Credit Unions 2009
09-CU-21 Official NCUA Sign Share Insurance Letters to Credit Unions 2009
09-CU-20 Premium Assessments Share Insurance Letters to Credit Unions 2009
09-CU-19 Evaluating Residential Real Estate Mortgage Loan Modification Programs Mortgage Lending Letters to Credit Unions 2009
09-CU-16 Guidance on Acceptance of California Warrants Investments Letters to Credit Unions 2009
09-CU-14 Corporate Stabilization Fund Implementation Corporate Resolution Program Letters to Credit Unions 2009