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-RA-05	Remittance Transfers under the Electronic Fund Transfer Act	Payments	Regulatory Alerts	2020	Active
20-RA-07	CFPB Issues Amendments to Payday, Vehicle Title, and Certain High-Cost Installment Loans Rule	Consumer Lending	Regulatory Alerts	2020	Active
20-RA-08	2020 Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages)	Consumer Lending	Regulatory Alerts	2020	Active
20-RA-09	2021 Exemption Thresholds Adjustments Under the Truth in Lending Act (Regulation Z) and the Consumer Leasing Act	Consumer Lending	Regulatory Alerts	2020	Active
20-RISK-01	Cybersecurity Considerations for Remote Work	Cybersecurity	Risk Alerts	2020	Active
2000-4	Third-Party Risk	Risk Management	Letters to Corporate Credit Unions	2000	Active
2001-2	Information Systems - Network Security Guidelines	Cybersecurity	Letters to Corporate Credit Unions	2001	Active
2001-4	Internet Based Application Controls	Cybersecurity	Letters to Corporate Credit Unions	2001	Active
2003-02	IT Guidance	Cybersecurity	Letters to Corporate Credit Unions	2003	Active
2003-03	Modeling Non-maturing Shares and Deposits	Risk Management	Letters to Corporate Credit Unions	2003	Active
2003-05	Investing To Fund Employee Benefit Plans	Employee Benefit Plans	Letters to Corporate Credit Unions	2003	Active
2004-01	State Corp Benefit Plans	Employee Benefit Plans	Letters to Corporate Credit Unions	2004	Active
2004-02	BSA compliance Guidance	BSA/AML	Letters to Corporate Credit Unions	2004	Active
2004-03	Critical Information System Risk Areas	Cybersecurity	Letters to Corporate Credit Unions	2004	Active
2004-04	Business Continuity Guidance Letter	Business Continuity	Letters to Corporate Credit Unions	2004	Active
2004-05	Business Continuity Planning and Business Critical Processes	Business Continuity	Letters to Corporate Credit Unions	2004	Active
2005-01	BSA compliance when "unbatching" previously batched transactions during processing or settlement services.	BSA/AML	Letters to Corporate Credit Unions	2005	Active
2005-02	Governance Policies	Governance	Letters to Corporate Credit Unions	2005	Active
2005-02-01	This is to clarify some confusion with language in Corporate Credit Union Guidance Letter 2005-02 Governance Policies	Governance	Letters to Corporate Credit Unions	2005	Active
2007-01	Payout of Retained Earnings in Conjunction with Corporate Credit union Mergers.	Operations	Letters to Corporate Credit Unions	2007	Active
2007-04	Accounting for Future-Dated Automated Clearing House (ACH) Transactions	Accounting	Letters to Corporate Credit Unions	2007	Inactive
2010-01	Confidentiality and Protection of Sensitive Data	Cybersecurity	Letters to Corporate Credit Unions	2010	Active
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	Active
2011-04	Compliance with Section 314(a) of the USA PATRIOT Act of 2001	BSA/AML	Letters to Corporate Credit Unions	2011	Inactive
2012-01	Compliance Update for Section 314(a) of the USA Patriot Act of 2001	BSA/AML	Letters to Corporate Credit Unions	2012	Active
2013-01	Final Rule - Alternatives to the Use of Credit Ratings	Risk Management	Letters to Corporate Credit Unions	2013	Active
2013-02	Implementing Section 704.21 – Enterprise Risk Management	Risk Management	Letters to Corporate Credit Unions	2013	Active
2016-01	Employee Benefit Plans	Employee Benefit Plans	Letters to Corporate Credit Unions	2016	Active
21-CU-01	Summary of the Consolidated Appropriations Act, 2021	Legislation	Letters to Credit Unions	2021	Active
21-CU-02	NCUA’s 2021 Supervisory Priorities	Examination Program	Letters to Credit Unions	2021	Inactive
21-CU-03	LIBOR Transition	Risk Management	Letters to Credit Unions	2021	Active
21-CU-04	Renewal of Prompt Corrective Action Relief	Capital Planning	Letters to Credit Unions	2021	Inactive
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-06	NCUA to Implement Phase One of Resuming Onsite Operations	NCUA Operations/Activities	Letters to Credit Unions	2021	Active
21-CU-07	Capitalization of Unpaid Interest	Consumer Lending	Letters to Credit Unions	2021	Active
21-CU-08	Implementation of Modernized Systems	NCUA Operations/Activities	Letters to Credit Unions	2021	Active
21-CU-10	Interagency Statement on LIBOR Transition	Risk Management	Letters to Credit Unions	2021	Active
21-CU-11	Emergency Capital Investment Program Participation	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-13	Subordinated Debt Final Rule Effective January 1, 2022	Capital Planning	Letters to Credit Unions	2021	Active
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-15	Automated Cybersecurity Evaluation Toolbox	Cybersecurity	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-17	Voluntary Credit Union Diversity Self-Assessment	Credit Union Diversity	Letters to Credit Unions	2021	Active
21-FCU-01	Community Charter Conversions and Expansions	Field of Membership	Letters to Federal Credit Unions	2021	Active
21-FCU-02	Operating Fee Schedule Adjusted for 2021	Operating Fee	Letters to Federal Credit Unions	2021	Active
21-FCU-03	Underserved Area Expansions	Chartering/Field of Membership	Letters to Federal Credit Unions	2021	Active
21-FCU-04	Permissible Loan Interest Rate Ceiling Extended	Consumer Lending	Letters to Federal Credit Unions	2021	Active
21-FCU-05	Post-Examination Survey Pilot	Examination Program	Letters to Federal Credit Unions	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-RA-01	CFPB Amends Ability-to-Repay/Qualified Mortgage Rule under Truth in Lending Act	Mortgage Lending	Regulatory Alerts	2021	Active
21-RA-02	CFPB Publishes 2021 Threshold Adjustments Under Regulation C, Regulation Z and Regulation V	Mortgage Lending	Regulatory Alerts	2021	Active
21-RA-03	Submission of 2020 Home Mortgage Disclosure Act Data	HMDA	Regulatory Alerts	2021	Active
21-RA-04	Home Mortgage Disclosure Act Data Collection Requirements for Calendar Year 2021	HMDA	Regulatory Alerts	2021	Active
21-RA-05	CFPB Rule Expands Exemption from Establishing Escrow Accounts for Higher-Priced Mortgage Loans	Mortgage Lending	Regulatory Alerts	2021	Active
21-RA-06	CFPB Delays Mandatory Compliance Date of General Qualified Mortgage (QM) Final Rule Under Truth in Lending Act	Mortgage Lending	Regulatory Alerts	2021	Active
21-RA-07	Equal Credit Opportunity Act (Regulation B)	Consumer Protection	Regulatory Alerts	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-RA-09	CFPB Issues New Specifications for its Collect Website Relating to Credit Card Data Submission	Consumer Lending	Regulatory Alerts	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

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