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
95-CU-169	Collateralized Mortgage Obligations (CMOs) and Real Estate Mortgage Investment Conduits (REMICs)	Investments	Letters to Credit Unions	1995	Active
85-CU-79	Mutual Funds	Investments	Letters to Credit Unions	1985	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
10-CU-18	Investment Due Diligence	Investments	Letters to Credit Unions	2010	Active
13-CU-05	Guidance Investing in Securities without Reliance on Credit Ratings	Investments	Letters to Credit Unions	2013	Active
09-CU-16	Guidance on Acceptance of California Warrants	Investments	Letters to Credit Unions	2009	Active
98-CU-16	The Credit Union Membership Access Act of 1998	Legislation	Letters to Credit Unions	1998	Active
21-CU-01	Summary of the Consolidated Appropriations Act, 2021	Legislation	Letters to Credit Unions	2021	Active
20-CU-07	Summary of the Coronavirus Aid, Relief, and Economic Security (CARES) Act	Legislation	Letters to Credit Unions	2020	Active
SL No. 14-03	Liquidity and Contingency Funding Plans	Liquidity Risk	Supervisory Letters	2014	Active
00-CU-14	Liquidity and Balance Sheet Risk Management	Liquidity Risk	Letters to Credit Unions	2000	Active
02-CU-05	Examination Program Liquidity Questionnaire	Liquidity Risk	Letters to Credit Unions	2002	Active
03-CU-11	Non-Maturity Shares and Balance Sheet Risk	Liquidity Risk	Letters to Credit Unions	2003	Active
10-CU-14	Strengthening Funding and Liquidity Risk Management	Liquidity Risk	Letters to Credit Unions	2010	Active
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	Active
N/A	Current Risks in Business Lending and Sound Risk Management Practices	Member Business Lending	Supervisory Letters	2010	Active
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	Active
04-CU-01	Small Business Administration Loans	Member Business Lending	Letters to Credit Unions	2004	Active
04-CU-10	Items to Consider When Underwriting Member	Member Business Lending	Letters to Credit Unions	2004	Active
01-RA-09	Use of Consumer Credit Reports for Business Loans	Member Business Lending	Regulatory Alerts	2001	Active
23-CU-05	Commercial Real Estate Loan Accommodations and Workouts	Member Business Lending	Letters to Credit Unions	2023	Active
20-CU-11	Regulatory Treatment for Paycheck Protection Program Loans	Member Business Lending	Letters to Credit Unions	2020	Inactive
10-CU-07	Commercial Real Estate Loan Workouts	Member Business Lending	Letters to Credit Unions	2010	Active
10-CU-22	NCUA’s Merger Partner Registry	Mergers	Letters to Credit Unions	2010	Active
18-CU-03	Merger Rule Provisions Including the Member-to-Member (MTM) Communications Process	Mergers	Letters to Credit Unions	2018	Active
10-CU-11	Information on NCUAs Merger and Purchase Assumption Process	Mergers	Letters to Credit Unions	2010	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
15-RA-04	Regulatory Changes Affecting Military Members	Military Lending/Service Members	Regulatory Alerts	2015	Active
12-CU-07	Mortgage Servicing Practices Impacting Military Homeowner	Military Lending/Service Members	Letters to Credit Unions	2012	Active
16-CU-07	Military Lending Act Examination Approach	Military Lending/Service Members	Letters to Credit Unions	2016	Active
SL No. 14-01	CFPB’s Ability-to-Repay and Qualified Mortgage Rule	Mortgage Lending	Supervisory Letters	2014	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
N/A	Evaluating Residential Real Estate Mortgage Loan Modification Programs	Mortgage Lending	Supervisory Letters	2009	Active
05-CU-07	Managing Risks Associated with Home Equity Lending	Mortgage Lending	Letters to Credit Unions	2005	Active
05-CU-12	Frequently Asked Questions on Residential Tract Development Lending	Mortgage Lending	Letters to Credit Unions	2005	Active
06-CU-16	Interagency Guidance on Nontraditional Mortgage Product Risk	Mortgage Lending	Letters to Credit Unions	2006	Active
07-CU-09	Subprime Mortgage Lending	Mortgage Lending	Letters to Credit Unions	2007	Active
91-CU-120	Interest Rate Adjustment Errors for ARM Loans	Mortgage Lending	Letters to Credit Unions	1991	Active
91-CU-124	Real Estate Secured Credit by Credit Union Members	Mortgage Lending	Letters to Credit Unions	1991	Active
99-CU-12	Real Estate Lending and Balance Sheet Risk Management	Mortgage Lending	Letters to Credit Unions	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-05	New Escrow Requirements under the Truth in Lending Act	Mortgage Lending	Regulatory Alerts	2013	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
10-RA-10	Potential Risks of Property Assessed Clean Energy Loans	Mortgage Lending	Regulatory Alerts	2010	Active
17-RA-01	2016 Mortgage Servicing Rule Fair Debt Collection Practices Act Interpretive Rule	Mortgage Lending	Regulatory Alerts	2017	Active
22-RA-03	2022 Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold	Mortgage Lending	Regulatory Alerts	2022	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-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-02	CFPB Publishes 2021 Threshold Adjustments Under Regulation C, Regulation Z and Regulation V	Mortgage Lending	Regulatory Alerts	2021	Active
21-RA-01	CFPB Amends Ability-to-Repay/Qualified Mortgage Rule under Truth in Lending Act	Mortgage Lending	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
20-RA-03	Consumer Financial Protection Bureau Issues Interpretive Rule on Waiver of TRID and TILA Waiting Periods	Mortgage Lending	Regulatory Alerts	2020	Inactive
19-17	CFPB Issues Correction to Final Rule on Adjusted 2020 HOEPA Threshold	Mortgage Lending	Consumer Financial Protection Updates	2019	Active
10-CU-16	Reverse Mortgages	Mortgage Lending	Letters to Credit Unions	2010	Active
11-CU-01	Residential Mortgage Foreclosure Concerns	Mortgage Lending	Letters to Credit Unions	2011	Active

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