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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 301 - 360 of 398 Results
Docket # Title Subject Type Year Status
14-CU-08 Home Equity Lines of Credit Nearing Their End-of-Draw Period Mortgage Lending Letters to Credit Unions 2014 Active
08-CU-19 Third-Party Relationships: Mortgage Brokers and Correspondents Mortgage Lending Letters to Credit Unions 2008 Active
08-CU-14 Consumer Information for Hybrid Adjustable Rate Mortgage Products Mortgage Lending Letters to Credit Unions 2008 Active
09-CU-04 Making Home Affordable: A Program for Mortgage Mortgage Lending Letters to Credit Unions 2009 Active
09-CU-19 Evaluating Residential Real Estate Mortgage Loan Modification Programs Mortgage Lending Letters to Credit Unions 2009 Active
04-CU-07 NCUAs Express Subscription Service NCUA Operations/Activities Letters to Credit Unions 2004 Active
22-CU-11 NCUA to Begin Phase 3 of Resuming Onsite Operations NCUA Operations/Activities Letters to Credit Unions 2022 Active
22-CU-06 NCUA to Begin Phase 2 of Resuming Onsite Operations NCUA Operations/Activities Letters to Credit Unions 2022 Inactive
21-CU-06 NCUA to Implement Phase One of Resuming Onsite Operations NCUA Operations/Activities Letters to Credit Unions 2021 Active
21-CU-08 Implementation of Modernized Systems NCUA Operations/Activities Letters to Credit Unions 2021 Active
20-CU-20 Phased Approach to On-site Operations NCUA Operations/Activities Letters to Credit Unions 2020 Inactive
19-CU-03 Voluntary Credit Union Diversity Self-Assessment NCUA Operations/Activities Letters to Credit Unions 2019 Active
08-CU-11 NCUA Website Enhancements Fraud Information Center NCUA Operations/Activities Letters to Credit Unions 2008 Active
23-CU-06 Importance of Contingency Funding Plans NCUA Operations/Activities Letters to Credit Unions 2023 Active
18-FCU-03 Operating Fee Schedule Adjusted for 2019 Operating Fee Letters to Federal Credit Unions 2018 Active
22-FCU-01 Operating Fee Schedule Adjusted for 2022 Operating Fee Letters to Federal Credit Unions 2022 Active
21-FCU-02 Operating Fee Schedule Adjusted for 2021 Operating Fee Letters to Federal Credit Unions 2021 Active
23-FCU-01 Federal Credit Union Operating Fee Schedule for 2023 Operating Fee Letters to Federal Credit Unions 2023 Active
20-FCU-01 Operating Fee Schedule Adjusted for 2020 Operating Fee Letters to Federal Credit Unions 2020 Active
18-FCU-01 Operating Fee Scale Adjusted for 2018 Operating Fee Letters to Federal Credit Unions 2018 Active
12-FCU-01 Operating Fee Scale Reduced for FY 2012 Operating Fee Letters to Federal Credit Unions 2012 Active
24-FCU-01 Federal Credit Union Operating Fee Schedule for 2024 Operating Fee Letters to Federal Credit Unions 2024 Active
99-CU-17 Guidance for Credit Unions that Use More than One Name Operations Letters to Credit Unions 1999 Active
97-CU-09 Withdrawal of IRPS Operations Letters to Credit Unions 1997 Active
82-CU-66 Repurchase Agreements Operations Letters to Credit Unions 1982 Active
22-CU-07 Federally Insured Credit Union Use of Distributed Ledger Technologies Operations Letters to Credit Unions 2022 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
22-FCU-03 Expiration of Emergency Exemption from Certain In-Person Meeting Requirements Operations Letters to Federal Credit Unions 2022 Active
20-CU-03 Identification of Essential Critical Infrastructure Workers During COVID-19 Operations Letters to Credit Unions 2020 Active
20-CU-02 NCUA Actions Related to COVID-19 Operations Letters to Credit Unions 2020 Inactive
20-FCU-02 NCUA Actions Related to COVID-19 – Annual Meeting Flexibility Operations Letters to Federal Credit Unions 2020 Inactive
08-CU-25 Credit Unions Holding Foreclosed Properties as Foreclosed and Repossessed Assets FRA Operations Letters to Credit Unions 2008 Active
2007-01 Payout of Retained Earnings in Conjunction with Corporate Credit union Mergers. Operations Letters to Corporate Credit Unions 2007 Active
20-RA-01 Other Supervisory Committee Audits Other Supervisory Committee Audits Regulatory Alerts 2020 Active
05-CU-03 Overdraft Protection Bounce Protection Programs Overdrafts Letters to Credit Unions 2005 Active
05-CU-21 Overdraft Courtesy Pay Programs Overdrafts Letters to Credit Unions 2005 Active
10-RA-12 Member Notice Requirements for Overdraft Services Overdrafts Regulatory Alerts 2010 Active
SL No. 13-04 Supervision Guidance on Loan Participation Waivers Participations Supervisory Letters 2013 Active
N/A Evaluating Loan Participation Programs Participations Supervisory Letters 2008 Active
13-CU-07 Loan Participation Waivers Participations Letters to Credit Unions 2013 Active
08-CU-26 Evaluating Loan Participation Programs Participations Letters to Credit Unions 2008 Active
21-CU-12 Internal Revenue Service’s Volunteer Income Tax Assistance Program Collaboration Opportunities Partnerships Letters to Credit Unions 2021 Active
08-CU-15 Regional Coalitions Public-Private Partnerships for the Partnerships Letters to Credit Unions 2008 Active
01-RA-03 Electronic Signatures in Global and National Commerce Act E-Sign Act Payments Regulatory Alerts 2001 Active
13-RA-06 CFPB's Amended Remittance Transfer Rule Compliance Deadline: October 28, 2013 Payments Regulatory Alerts 2013 Active
14-RA-10 CFPB Amendments to the Remittance Transfer Rule Payments 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-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
12-RA-04 Regulatory Alert: CFPB’s New Remittance Transfers Rule Payments Regulatory Alerts 2012 Active
20-RA-05 Remittance Transfers under the Electronic Fund Transfer Act Payments Regulatory Alerts 2020 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
10-CU-26 Evaluating Payment System Service Providers Payments Letters to Credit Unions 2010 Active
08-CU-08 NCUAs Electronic Payment Systems EPS Questionnaires Payments Letters to Credit Unions 2008 Active
16-CU-06 Preparing for Same-Day Automated Clearing House (ACH) Payments Payments Letters to Credit Unions 2016 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
SL No. 13-03 Investing in Securities without Reliance on Nationally Recognized Statistical Rating Organizations (NRSRO) Ratings Risk Management Supervisory Letters 2013 Active
SL No. 13-12 Enterprise Risk Management (ERM) Risk Management Supervisory Letters 2013 Active
01-CU-08 Liability Management Highly Rate-Sensitive Volatile Risk Management Letters to Credit Unions 2001 Active

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