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.

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Letters to Credit Unions and Other Guidance search results
Docket #	Title	Subject	Type	Year	Status
20-CU-02	NCUA Actions Related to COVID-19	Operations	Letters to Credit Unions	2020	Inactive
20-CU-01	2020 Supervisory Priorities	Examination Program	Letters to Credit Unions	2020	Inactive
19-RISK-01	Business Email Compromise Fraud	Cybersecurity	Risk Alerts	2019	Active
19-RA-02	Serving Hemp Businesses	BSA/AML	Regulatory Alerts	2019	Active
19-RA-01	Flood Insurance Alternatives	Flood Insurance	Regulatory Alerts	2019	Active
19-CU-04	Use of Alternative Data in Credit Underwriting	Consumer Lending	Letters to Credit Unions	2019	Active
19-CU-03	Voluntary Credit Union Diversity Self-Assessment	NCUA Operations/Activities	Letters to Credit Unions	2019	Active
19-CU-02	Guidance to NCUA Staff on Evaluating Secondary Capital Plans	Capital Planning	Letters to Credit Unions	2019	Active
19-CU-01	Supervisory Priorities for 2019	Examination Program	Letters to Credit Unions	2019	Inactive
19-17	CFPB Issues Correction to Final Rule on Adjusted 2020 HOEPA Threshold	Mortgage Lending	Consumer Financial Protection Updates	2019	Active
19-16	CFPB Issues Exemption Thresholds for 2020 Credit Transactions	Consumer Lending	Consumer Financial Protection Updates	2019	Active
19-15	CFPB Issues Amendments to HMDA Rule	HMDA	Consumer Financial Protection Updates	2019	Active
19-14	Federal Reserve Issues Correction to Final Rule on Availability of Funds and Collection of Checks	Payments	Consumer Financial Protection Updates	2019	Active
19-13	CFPB Announces Adjusted 2020 TILA Fees and Thresholds	Consumer Lending	Consumer Financial Protection Updates	2019	Active
19-12	CFPB and FRB Issue Amendments to Regulation CC	Consumer Protection	Consumer Financial Protection Updates	2019	Active
19-11	CFPB Delays Compliance Date for Underwriting Requirements of the Payday, Vehicle Title, and Certain High-Cost Installment Loans Rule	Consumer Protection	Consumer Financial Protection Updates	2019	Active
19-10	FFIEC Issues 2019 Home Mortgage Disclosure Act (HMDA) Getting it Right Guide	HMDA	Consumer Financial Protection Updates	2019	Active
19-09	CFPB Issues Technical Specifications and Resources for Prepaid Product Agreements	Consumer Protection	Consumer Financial Protection Updates	2019	Active
19-08	CFPB Releases Small Entity Compliance Guide Summarizing the Payday, Vehicle Title, and Certain High-Cost Installment Loans Rule	Consumer Lending	Consumer Financial Protection Updates	2019	Active
19-07	CFPB Publishes 2019 Lists of Rural and Underserved Counties and Updates Website Tool	Mortgage Lending	Consumer Financial Protection Updates	2019	Active
19-06	CFPB Releases FAQs for Complying with TRID Rule Change	Mortgage Lending	Consumer Financial Protection Updates	2019	Active
19-05	CFPB Issues Reference Tool for 2019 HMDA Data Collection	HMDA	Consumer Financial Protection Updates	2019	Active
19-04	Submission of 2018 Home Mortgage Disclosure Act Data	HMDA	Consumer Financial Protection Updates	2019	Active
19-03	Home Mortgage Disclosure Act Data Collection Requirements for Calendar Year 2019	HMDA	Consumer Financial Protection Updates	2019	Active
19-02	Consumer Financial Protection Bureau Announces Asset-size Threshold Adjustments Under HMDA and TILA	Consumer Protection	Consumer Financial Protection Updates	2019	Active
19-01	Consumer Financial Protection Bureau Announces Annual Adjustment Under Fair Credit Reporting Act	Consumer Lending	Consumer Financial Protection Updates	2019	Active
18-FCU-03	Operating Fee Schedule Adjusted for 2019	Operating Fee	Letters to Federal Credit Unions	2018	Active
18-FCU-02	Requests to Serve a Well-Defined Local Community Using the Narrative Approach	Chartering/Field of Membership	Letters to Federal Credit Unions	2018	Active
18-FCU-01	Operating Fee Scale Adjusted for 2018	Operating Fee	Letters to Federal Credit Unions	2018	Active
18-CU-04	Sharing Bank Secrecy Act Resources	BSA/AML	Letters to Credit Unions	2018	Active
18-CU-03	Merger Rule Provisions Including the Member-to-Member (MTM) Communications Process	Mergers	Letters to Credit Unions	2018	Active
18-CU-02	Examination Guidance for Bank Secrecy Act Customer Due Diligence and Beneficial Ownership Compliance	BSA/AML	Letters to Credit Unions	2018	Active
18-CU-01	Examination Modernization Initiatives	Examination Program	Letters to Credit Unions	2018	Inactive
18-01	Information about the Bureau of Consumer Financial Protection’s 2018 HMDA Interpretive and Procedural Rule	HMDA	Consumer Financial Protection Updates	2018	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
17-CU-08	Interagency Supervisory Guidance for Institutions Affected by a Major Disaster	Business Continuity	Letters to Credit Unions	2017	Active
17-CU-05	Frequently Asked Questions on the New Accounting Standard on Financial Instruments Credit Losses	Accounting	Letters to Credit Unions	2017	Active
17-CU-04	FFIEC Uniform HMDA Resubmission Guidelines	HMDA	Letters to Credit Unions	2017	Active
17-CU-03	Prepaid Rule Implementation Delay	Consumer Lending	Letters to Credit Unions	2017	Active
17-CU-02	Risk-Focused Examinations and Compliance Risk	Examination Program	Letters to Credit Unions	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
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
16-CU-13	Frequently Asked Questions on the New Accounting Standard on Financial Instruments Credit Losses	Accounting	Letters to Credit Unions	2016	Active
16-CU-12	Risk-Based Examination Scheduling Policy	Examination Program	Letters to Credit Unions	2016	Inactive
16-CU-10	Projected 2017 Share Insurance Fund Premium and Stabilization Fund Assessment Range	Share Insurance	Letters to Credit Unions	2016	Active
16-CU-08	Revised Interest Rate Risk Supervision	Interest Rate Risk	Letters to Credit Unions	2016	Active
16-CU-07	Military Lending Act Examination Approach	Military Lending/Service Members	Letters to Credit Unions	2016	Active
16-CU-06	Preparing for Same-Day Automated Clearing House (ACH) Payments	Payments	Letters to Credit Unions	2016	Active
16-CU-04	Member Account Deposit Reconciliation Practices	Consumer Protection	Letters to Credit Unions	2016	Active
16-CU-02	Online CUSO Registry to Open for Registrations in February	CUSOs	Letters to Credit Unions	2016	Active
15-RA-04	Regulatory Changes Affecting Military Members	Military Lending/Service Members	Regulatory Alerts	2015	Active
15-FCU-03	How to Add Associations to Your Field of Membership	Chartering/Field of Membership	Letters to Federal Credit Unions	2015	Active
15-CU-04	Improving the Process for Consumer Complaints	Consumer Protection	Letters to Credit Unions	2015	Active
15-CU-03	Taxi Medallion Lending Questions and Answers	Taxi Medallions	Letters to Credit Unions	2015	Active
15-CU-02	Private Student Loans with Graduated Repayment Terms at Loan Origination	Student Loans	Letters to Credit Unions	2015	Active

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