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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 121 - 180 of 404 Results
Docket # Title Subject Type Year Status
93-CU-146 Yields on assets Investments Letters to Credit Unions 1993 Active
95-CU-163 Sanctions Against Select Foreign Countries BSA/AML Letters to Credit Unions 1995 Active
95-CU-169 Collateralized Mortgage Obligations (CMOs) and Real Estate Mortgage Investment Conduits (REMICs) Investments Letters to Credit Unions 1995 Active
95-CU-170 Automated Clearinghouse - Deposits for Processing Activities Examination Program Letters to Credit Unions 1995 Active
07-02 Basic Accounting for NCUA Grants Received by Small Credit Unions Accounting Accounting Bulletins 2007 Active
09-01 Regulatory Reporting Related to Recent NCUA Board Actions to Stabilize the Corporate Credit Union System Accounting Accounting Bulletins 2009 Active
09-02 Corporate Stabilization Activity and the Effect on the NCUSIF Deposit and Premium Assessment Accounting Accounting Bulletins 2009 Active
10-01 Interagency Supervisory Guidance on Bargain Purchases And FDIC- and NCUA-Assisted Acquisitions Accounting Accounting Bulletins 2010 Active
12-01 Interagency Supervisory Guidance Specifically Addressing Junior Lien Loans and Lines of Credit Accounting Accounting Bulletins 2012 Active
13-01 Interagency Supervisory Guidance Addressing Certain Issues Related To Troubled Debt Restructurings Accounting Accounting Bulletins 2013 Active
14-01 Interagency Regulatory Reporting Policy Revised in Relation to Loans that have Previously been Modified in a Troubled Debt Restructuring Accounting Accounting Bulletins 2014 Active
01-01 Joint Interagency Policy on Accounting and Reporting for Loans Held for Sale Accounting Accounting Bulletins 2001 Active
04-01 Update on Accounting for Loan and Lease Losses Accounting Accounting Bulletins 2004 Active
05-01 Accounting and Reporting for Commitments to Originate and Sell Mortgage Loans Accounting Accounting Bulletins 2005 Active
06-01 Interagency Advisory Addressing the ALLL Key Concepts and Requirements Accounting Accounting Bulletins 2006 Active
07-01 Recording Donated Equity upon the Receipt of Tangible Fixed Asset Donations of Material Value Accounting Accounting Bulletins 2007 Active
88-CU-100 Amended IRS Form 990 - Return of Organization Exempt from Income Tax Tax Exemption Letters to Credit Unions 1988 Active
87-CU-90 Recordkeeping and Reporting Requirements under the Bank Secrecy Act BSA/AML Letters to Credit Unions 1987 Active
87-CU-94 Financial Statement Classification of FCU Member Share Accounts Auditing Letters to Credit Unions 1987 Active
86-CU-84 Insider Dealing and Conflicts of Interest Governance Letters to Credit Unions 1986 Active
85-CU-78 Currency and Foreign Transaction Reporting Act BSA/AML Letters to Credit Unions 1985 Active
85-CU-79 Mutual Funds Investments Letters to Credit Unions 1985 Active
82-CU-66 Repurchase Agreements Operations Letters to Credit Unions 1982 Active
81-CU-54 Cautions to be Taken in Making Investments in Federal Funds Market Transactions Investments Letters to Credit Unions 1981 Active
81-CU-57 Diversification in the Investment Portfolio Investments Letters to Credit Unions 1981 Active
81-CU-60 Deregulation of Share, Share Draft, and Share Certificate Accounts Investments Letters to Credit Unions 1981 Active
05-RA-07 Charitable Contributions and Donations to Storm Victims Consumer Protection Regulatory Alerts 2005 Active
06-RA-04 2006 Revisions to Uniform Standards of Professional Appraisal Practice USPAP Appraisals Regulatory Alerts 2006 Active
04-RA-07 Controlling the Assault of Non-Solicited Pornography and Marketing Act Consumer Protection Regulatory Alerts 2004 Active
01-RA-09 Use of Consumer Credit Reports for Business Loans Member Business Lending Regulatory Alerts 2001 Active
01-RA-03 Electronic Signatures in Global and National Commerce Act E-Sign Act Payments Regulatory Alerts 2001 Active
02-RA-06 Home Mortgage Disclosure Act Data Reporting Additions HMDA Regulatory Alerts 2002 Active
99-RA-04 New Communities Entering the National Flood Flood Insurance Regulatory Alerts 1999 Active
14-RA-02 New Homeownership Counseling and Consumer Protection Requirements from CFPB Mortgage Lending Regulatory Alerts 2014 Active
14-RA-01 Ability-To-Repay and Qualified Mortgage Requirements from the Consumer Financial Protection Bureau (CFPB) Mortgage Lending Regulatory Alerts 2014 Active
13-RA-08 Appraisals for Higher-Priced Mortgage Loans Appraisals Regulatory Alerts 2013 Active
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 Active
13-RA-06 CFPB's Amended Remittance Transfer Rule Compliance Deadline: October 28, 2013 Payments Regulatory Alerts 2013 Active
13-RA-05 New Escrow Requirements under the Truth in Lending Act Mortgage Lending Regulatory Alerts 2013 Active
13-RA-04 Garnishment of Accounts Containing Federal Benefit Payments Consumer Protection Regulatory Alerts 2013 Active
14-RA-10 CFPB Amendments to the Remittance Transfer Rule Payments Regulatory Alerts 2014 Active
14-RA-09 Updated Ability-To-Repay and Qualified Mortgage Requirements from the Consumer Financial Protection Bureau (CFPB) Mortgage Lending Regulatory Alerts 2014 Active
14-RA-07 Appraisals for Higher-Priced Mortgage Loans Appraisals Regulatory Alerts 2014 Active
10-RA-03 Interagency Guidance on Conducting Cross-Border Funds Transfers Payments Regulatory Alerts 2010 Active
10-RA-11 Consolidation of Federal Reserve Board Check Centers: Impact on Deposit Holds and Funds Availability Payments Regulatory Alerts 2010 Active
10-RA-10 Potential Risks of Property Assessed Clean Energy Loans Mortgage Lending Regulatory Alerts 2010 Active
10-RA-08 Unlawful Internet Gambling Enforcement Act of 2006 Payments Regulatory Alerts 2010 Active
10-RA-07 FFIEC Release of Updated Retail Payment Systems Examination Handbook Payments Regulatory Alerts 2010 Active
17-RA-03 Submission of 2016 Home Mortgage Disclosure Act Data HMDA Regulatory Alerts 2017 Active
17-RA-02 Home Mortgage Disclosure Act Data Collection Requirements for Calendar Year 2017 HMDA Regulatory Alerts 2017 Active
17-RA-01 2016 Mortgage Servicing Rule Fair Debt Collection Practices Act Interpretive Rule Mortgage Lending Regulatory Alerts 2017 Active
16-RA-07 Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z) Consumer Protection Regulatory Alerts 2016 Active
16-RA-06 Department of Defenses Interpretive Guidance on Military Lending Act Limitations on Terms of Consumer Credit Extended to Service Members and Dependents Military Lending/Service Members Regulatory Alerts 2016 Active
12-RA-04 Regulatory Alert: CFPB’s New Remittance Transfers Rule Payments Regulatory Alerts 2012 Active
16-RA-04 Guidance on Regulatory Changes Affecting Military Members Military Lending/Service Members Regulatory Alerts 2016 Active
16-RA-02 Enhanced Share Insurance Coverage Share Insurance Regulatory Alerts 2016 Active
16-RA-01 Home Mortgage Disclosure Act (HMDA) Data Collection Requirements for Calendar Year 2016 HMDA Regulatory Alerts 2016 Active
15-RA-04 Regulatory Changes Affecting Military Members Military Lending/Service Members Regulatory Alerts 2015 Active
08-RA-03 Guidance on Filing Suspicious Activity Reports Regarding the Proceeds of Foreign Corruption BSA/AML Regulatory Alerts 2008 Active
22-CU-10 Simplified CECL Tool for Credit Unions industry data Letters to Credit Unions 2022 Active

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