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
23-RA-02	Home Mortgage Disclosure Act Data Collection Requirements for Calendar Year 2023	HMDA	Regulatory Alerts	2023	Active
23-FCU-02	Permissible Loan Interest Rate Ceiling Extended	Consumer Lending	Letters to Federal Credit Unions	2023	Active
23-FCU-01	Federal Credit Union Operating Fee Schedule for 2023	Operating Fee	Letters to Federal Credit Unions	2023	Active
23-CU-02	Expansion of Permissible CUSO Activities and Associated Risks	CUSOs	Letters to Credit Unions	2023	Active
23-RA-01	Change to HMDA’s Closed-End Loan Reporting Threshold	HMDA	Regulatory Alerts	2023	Active
22-02	Current Expected Credit Losses (CECL) Effective Date for Credit Unions (Revised)	Accounting	Accounting Bulletins	2022	Active
22-FCU-03	Expiration of Emergency Exemption from Certain In-Person Meeting Requirements	Operations	Letters to Federal Credit Unions	2022	Active
19-01	Consumer Financial Protection Bureau Announces Annual Adjustment Under Fair Credit Reporting Act	Consumer Lending	Consumer Financial Protection Updates	2019	Active
20-FCU-03	Amended Field of Membership Application Requirements for Combined Statistical Area and Core-Based Statistical Area	Chartering/Field of Membership	Letters to Federal Credit Unions	2020	Active
SL No. 15-03	Fixed Asset Management	fixed assets	Supervisory Letters	2015	Active
20-CU-23	Annual Voluntary Credit Union Diversity Self-Assessment	Credit Union Diversity	Letters to Credit Unions	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-07	CFPB Issues Amendments to Payday, Vehicle Title, and Certain High-Cost Installment Loans Rule	Consumer Lending	Regulatory Alerts	2020	Active
20-CU-21	Field of Membership - Rural Districts	Chartering/Field of Membership	Letters to Credit Unions	2020	Active
20-RA-05	Remittance Transfers under the Electronic Fund Transfer Act	Payments	Regulatory Alerts	2020	Active
20-CU-19	Additional Guidance Regarding Servicing Hemp-Related Businesses	BSA/AML	Letters to Credit Unions	2020	Active
20-RA-04	Consumer Financial Protection Bureau Increases Reporting Thresholds Under the Home Mortgage Disclosure Act	HMDA	Regulatory Alerts	2020	Active
20-CU-16	Low-Income Designations: Qualification of Military Personnel	Chartering/Field of Membership	Letters to Credit Unions	2020	Active
20-CU-13	Working with Borrowers Affected by the COVID-19 Pandemic	Consumer Lending	Letters to Credit Unions	2020	Active
20-RA-02	Federal Reserve Board Issues Rule Allowing Credit Unions to Remove the Monthly Limit on Savings Withdrawals	Reserve Requirements	Regulatory Alerts	2020	Active
20-CU-10	Residential Appraisals Threshold Increase and Other COVID-19 Related Relief Measures	Appraisals	Letters to Credit Unions	2020	Active
20-CU-15	Principles for Making Responsible Small-Dollar Loans	Consumer Lending	Letters to Credit Unions	2020	Active
20-CU-08	Enhancements to Central Liquidity Facility Membership and Borrowing Authority	Central Liquidity Facility	Letters to Credit Unions	2020	Active
20-RISK-01	Cybersecurity Considerations for Remote Work	Cybersecurity	Risk Alerts	2020	Active
20-CU-03	Identification of Essential Critical Infrastructure Workers During COVID-19	Operations	Letters to Credit Unions	2020	Active
20-CU-07	Summary of the Coronavirus Aid, Relief, and Economic Security (CARES) Act	Legislation	Letters to Credit Unions	2020	Active
20-RA-01	Other Supervisory Committee Audits	Other Supervisory Committee Audits	Regulatory Alerts	2020	Active
20-FCU-01	Operating Fee Schedule Adjusted for 2020	Operating Fee	Letters to Federal Credit Unions	2020	Active
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-CU-04	Use of Alternative Data in Credit Underwriting	Consumer Lending	Letters to Credit Unions	2019	Active
19-15	CFPB Issues Amendments to HMDA Rule	HMDA	Consumer Financial Protection Updates	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
SL No. 19-01	Evaluating Secondary Capital Plans	Capital Planning	Supervisory Letters	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-RA-02	Serving Hemp Businesses	BSA/AML	Regulatory Alerts	2019	Active
19-13	CFPB Announces Adjusted 2020 TILA Fees and Thresholds	Consumer Lending	Consumer Financial Protection Updates	2019	Active
19-RISK-01	Business Email Compromise Fraud	Cybersecurity	Risk Alerts	2019	Active
19-RA-01	Flood Insurance Alternatives	Flood Insurance	Regulatory Alerts	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
14-FCU-03	Unfair or Deceptive Credit Practices	Consumer Protection	Letters to Federal Credit Unions	2014	Active
13-FCU-02	2013 Fair Lending Examination Program and Compliance Assistance	Examination Program	Letters to Federal Credit Unions	2013	Active
15-FCU-03	How to Add Associations to Your Field of Membership	Chartering/Field of Membership	Letters to Federal Credit Unions	2015	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
12-FCU-03	Small Credit Union Examination Program	Examination Program	Letters to Federal Credit Unions	2012	Active
10-CU-16	Reverse Mortgages	Mortgage Lending	Letters to Credit Unions	2010	Active
10-CU-15	Indirect Lending and Appropriate Due Diligence	Consumer Lending	Letters to Credit Unions	2010	Active
10-CU-14	Strengthening Funding and Liquidity Risk Management	Liquidity Risk	Letters to Credit Unions	2010	Active
10-CU-23	Best Practices in Real Estate Appraisals	Appraisals	Letters to Credit Unions	2010	Active
10-CU-22	NCUA’s Merger Partner Registry	Mergers	Letters to Credit Unions	2010	Active
11-CU-08	Voluntary Prepayment of Assessments Program	Corporate Resolution Program	Letters to Credit Unions	2011	Active
12-CU-07	Mortgage Servicing Practices Impacting Military Homeowner	Military Lending/Service Members	Letters to Credit Unions	2012	Active
11-CU-12	Disclosing CAMEL Ratings to Federally Insured State Credit Unions (FISCUs)	Examination Program	Letters to Credit Unions	2011	Active
11-CU-01	Residential Mortgage Foreclosure Concerns	Mortgage Lending	Letters to Credit Unions	2011	Active
10-CU-26	Evaluating Payment System Service Providers	Payments	Letters to Credit Unions	2010	Active
10-CU-18	Investment Due Diligence	Investments	Letters to Credit Unions	2010	Active
10-CU-17	NCUSIF Premium Analysis	Share Insurance	Letters to Credit Unions	2010	Active

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