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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.
  • 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 60 Results
Docket # Title Subject Type Year
25-CU-04 Removal of Disparate Impact Consumer Lending Letters to Credit Unions 2025
16-CU-07 Military Lending Act Examination Approach Military Lending/Service Members Letters to Credit Unions 2016
23-CU-05 Commercial Real Estate Loan Accommodations and Workouts Member Business Lending Letters to Credit Unions 2023
14-CU-06 Taxi Medallion Lending Taxi Medallions Letters to Credit Unions 2014
SL No. 14-04 Taxi Medallion Lending Taxi Medallions Supervisory Letters 2014
15-CU-03 Taxi Medallion Lending Questions and Answers Taxi Medallions Letters to Credit Unions 2015
24-FCU-02 Permissible Loan Interest Rate Ceiling Extended Consumer Lending Letters to Federal Credit Unions 2024
13-FCU-02 2013 Fair Lending Examination Program and Compliance Assistance Examination Program Letters to Federal Credit Unions 2013
07-CU-09 Subprime Mortgage Lending Mortgage Lending Letters to Credit Unions 2007
10-CU-15 Indirect Lending and Appropriate Due Diligence Consumer Lending Letters to Credit Unions 2010
N/A Current Risks in Business Lending and Sound Risk Management Practices Member Business Lending Supervisory Letters 2010
05-CU-07 Managing Risks Associated with Home Equity Lending Mortgage Lending Letters to Credit Unions 2005
05-CU-12 Frequently Asked Questions on Residential Tract Development Lending Mortgage Lending Letters to Credit Unions 2005
22-CU-03 Special Purpose Credit Programs Consumer Lending Letters to Credit Unions 2022
15-CU-02 Private Student Loans with Graduated Repayment Terms at Loan Origination Student Loans Letters to Credit Unions 2015
13-CU-15 Supervisory Guidance on Private Student Loans Student Loans Letters to Credit Unions 2013
23-CU-04 Update to Interagency Policy Statement on Allowances for Credit Losses Accounting Letters to Credit Unions 2023
21-CU-07 Capitalization of Unpaid Interest Consumer Lending Letters to Credit Unions 2021
20-CU-15 Principles for Making Responsible Small-Dollar Loans Consumer Lending Letters to Credit Unions 2020
08-CU-13 Environmental Liability Risk Management Guidance Risk Management Letters to Credit Unions 2008
19-CU-04 Use of Alternative Data in Credit Underwriting Consumer Lending Letters to Credit Unions 2019
05-CU-21 Overdraft Courtesy Pay Programs Overdrafts Letters to Credit Unions 2005
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
SL No. 13-04 Supervision Guidance on Loan Participation Waivers Participations Supervisory Letters 2013
13-CU-07 Loan Participation Waivers Participations Letters to Credit Unions 2013
06-CU-16 Interagency Guidance on Nontraditional Mortgage Product Risk Mortgage Lending Letters to Credit Unions 2006
17-CU-04 FFIEC Uniform HMDA Resubmission Guidelines HMDA Letters to Credit Unions 2017
10-CU-23 Best Practices in Real Estate Appraisals Appraisals Letters to Credit Unions 2010
17-CU-03 Prepaid Rule Implementation Delay Consumer Lending Letters to Credit Unions 2017
SL No. 13-13 Private Student Loans Student Loans Supervisory Letters 2013
14-CU-08 Home Equity Lines of Credit Nearing Their End-of-Draw Period Mortgage Lending Letters to Credit Unions 2014
03-CU-17 Independent Appraisal and Evaluation Functions for Appraisals Letters to Credit Unions 2003
SL No. 14-01 CFPB’s Ability-to-Repay and Qualified Mortgage Rule Mortgage Lending Supervisory Letters 2014
N/A Concentration Risk Concentration Risk Supervisory Letters 2010
N/A Evaluating Loan Participation Programs Participations Supervisory Letters 2008
15-CU-04 Improving the Process for Consumer Complaints Consumer Protection Letters to Credit Unions 2015
SL No. 16-01 CDFI-Certified Credit Union Supervision Examination Program Supervisory Letters 2016
SL No. 17-02 Examiner Guidance for Institutions Affected by a Major Disaster Business Continuity Supervisory Letters 2017
SL No. 15-02 Associational Common Bond Updates Field of Membership Supervisory Letters 2015
17-CU-05 Frequently Asked Questions on the New Accounting Standard on Financial Instruments Credit Losses Accounting Letters to Credit Unions 2017
10-CU-16 Reverse Mortgages Mortgage Lending Letters to Credit Unions 2010
15-FCU-03 How to Add Associations to Your Field of Membership Chartering/Field of Membership Letters to Federal Credit Unions 2015
09-FCU-03 Membership Data Collection Examination Program Letters to Federal Credit Unions 2009
16-CU-13 Frequently Asked Questions on the New Accounting Standard on Financial Instruments Credit Losses Accounting Letters to Credit Unions 2016
N/A Evaluating Residential Real Estate Mortgage Loan Modification Programs Mortgage Lending Supervisory Letters 2009
10-CU-01 Supervising Low Income Credit Unions and Community Development Credit Unions Examination Program Letters to Credit Unions 2010
N/A Supervising Low Income Credit Unions and Community Development Credit Unions Examination Program Supervisory Letters 2010
12-CU-07 Mortgage Servicing Practices Impacting Military Homeowner Military Lending/Service Members Letters to Credit Unions 2012
2013-02 Implementing Section 704.21 – Enterprise Risk Management Risk Management Letters to Corporate Credit Unions 2013
10-01 Interagency Supervisory Guidance on Bargain Purchases And FDIC- and NCUA-Assisted Acquisitions Accounting Accounting Bulletins 2010
13-CU-10 Guidance on How to Comply with NCUA Regulation §741.12 Liquidity and Contingency Funding Plans Liquidity Risk Letters to Credit Unions 2013
SL No. 13-03 Investing in Securities without Reliance on Nationally Recognized Statistical Rating Organizations (NRSRO) Ratings Risk Management Supervisory Letters 2013
10-CU-08 Guidance for National Flood Insurance Program Authority Lapses Flood Insurance Letters to Credit Unions 2010
SL No. 07-01 Evaluating Third Party Relationships Third Parties Supervisory Letters 2007
SL No. 15-03 Fixed Asset Management fixed assets Supervisory Letters 2015
10-CU-14 Strengthening Funding and Liquidity Risk Management Liquidity Risk Letters to Credit Unions 2010
05-CU-03 Overdraft Protection Bounce Protection Programs Overdrafts Letters to Credit Unions 2005
SL No. 06-01 Evaluating Earnings Examination Program Supervisory Letters 2006
SL No. 13-02 Examiner Review of Loan Workouts, Nonaccruals and Regulatory Reporting of Troubled Debt Restructured Loans Troubled Debt Restructuring Supervisory Letters 2013
SL No. 14-05 Capital Planning Under NCUA Rules & Regulations §702 Subpart E for Credit Unions with Assets of $10 Billion or More Capital Planning Supervisory Letters 2014