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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 1 - 60 of 404 Results
Docket # Title Subject Type Year Status
SL No. 22-01 Updates to Interest Rate Risk Supervisory Framework Interest Rate Risk Supervisory Letters 2022 Active
SL No. 21-01 Evaluating LIBOR Transition Plans Risk Management Supervisory Letters 2021 Active
SL No. 19-01 Evaluating Secondary Capital Plans Capital Planning Supervisory Letters 2019 Active
SL No. 18-01 Bank Secrecy Act Customer Due Diligence and Beneficial Ownership Rules BSA/AML Supervisory Letters 2018 Active
SL No. 17-02 Examiner Guidance for Institutions Affected by a Major Disaster Business Continuity Supervisory Letters 2017 Active
SL No. 17-01 Evaluating Compliance Risk - Updated Compliance Risk Indicators Examination Program Supervisory Letters 2017 Active
SL No. 16-01 CDFI-Certified Credit Union Supervision Examination Program Supervisory Letters 2016 Active
SL No. 15-03 Fixed Asset Management fixed assets Supervisory Letters 2015 Active
SL No. 15-02 Associational Common Bond Updates Field of Membership Supervisory Letters 2015 Active
SL No. 14-05 Capital Planning Under NCUA Rules & Regulations §702 Subpart E for Credit Unions with Assets of $10 Billion or More Capital Planning Supervisory Letters 2014 Active
SL No. 14-05 Money Services Businesses BSA/AML Supervisory Letters 2014 Active
SL No. 14-04 Taxi Medallion Lending Taxi Medallions Supervisory Letters 2014 Active
SL No. 14-03 Liquidity and Contingency Funding Plans Liquidity Risk Supervisory Letters 2014 Active
SL No. 14-01 CFPB’s Ability-to-Repay and Qualified Mortgage Rule Mortgage Lending Supervisory Letters 2014 Active
SL No. 13-13 Private Student Loans Student Loans Supervisory Letters 2013 Active
SL No. 13-12 Enterprise Risk Management (ERM) Risk Management Supervisory Letters 2013 Active
SL No. 13-04 Supervision Guidance on Loan Participation Waivers Participations Supervisory Letters 2013 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. 13-02 Examiner Review of Loan Workouts, Nonaccruals and Regulatory Reporting of Troubled Debt Restructured Loans Troubled Debt Restructuring Supervisory Letters 2013 Active
SL No. 09-03 Reviewing Adequacy of Earnings Examination Program Supervisory Letters 2009 Active
SL No. 09-01 Supervision Considerations for Natural Person Credit Unions and the Announced Corporate Stabilization Efforts Corporate Resolution Program Supervisory Letters 2009 Active
SL No. 07-01 Evaluating Third Party Relationships Third Parties Supervisory Letters 2007 Active
SL No. 06-01 Evaluating Earnings Examination Program Supervisory Letters 2006 Active
99-RA-04 New Communities Entering the National Flood Flood Insurance Regulatory Alerts 1999 Active
99-CU-17 Guidance for Credit Unions that Use More than One Name Operations Letters to Credit Unions 1999 Active
99-CU-12 Real Estate Lending and Balance Sheet Risk Management Mortgage Lending Letters to Credit Unions 1999 Active
98-CU-16 The Credit Union Membership Access Act of 1998 Legislation Letters to Credit Unions 1998 Active
98-CU-01 Year 2000 Bridge Programs and Interfacing Y2K Letters to Credit Unions 1998 Active
97-CU-09 Withdrawal of IRPS Operations Letters to Credit Unions 1997 Active
97-CU-08 Credit Union Financial Trends During the First Half of 1997 State of the Industry Letters to Credit Unions 1997 Active
97-CU-03 Coporate Business Resumption And Contingency Planning Business Continuity Letters to Credit Unions 1997 Active
95-CU-170 Automated Clearinghouse - Deposits for Processing Activities Examination Program Letters to Credit Unions 1995 Active
95-CU-169 Collateralized Mortgage Obligations (CMOs) and Real Estate Mortgage Investment Conduits (REMICs) Investments Letters to Credit Unions 1995 Active
95-CU-163 Sanctions Against Select Foreign Countries BSA/AML Letters to Credit Unions 1995 Active
94-CU-162 Truth-in-Savings Act Compliance Consumer Protection Letters to Credit Unions 1994 Active
94-CU-161 CAMEL Rating System Revisions Examination Program Letters to Credit Unions 1994 Inactive
94-CU-157 Selection and Use of Brokers (HYM) Investments Letters to Credit Unions 1994 Active
94-CU-155 Credit Union Investment in Mutual Funds Investments Letters to Credit Unions 1994 Active
94-CU-154 Credit Unions' Lending Policies Examination Program Letters to Credit Unions 1994 Active
94-CU-153 Decline in the Number of Small CUs State of the Industry Letters to Credit Unions 1994 Active
93-CU-146 Yields on assets Investments Letters to Credit Unions 1993 Active
92-CU-139 Collateralized Mortgage Obligations (CMOs) Investments Letters to Credit Unions 1992 Active
92-CU-130 Changes in Interest Rates During Examinations Examination Program Letters to Credit Unions 1992 Active
91-CU-124 Real Estate Secured Credit by Credit Union Members Mortgage Lending Letters to Credit Unions 1991 Active
91-CU-122 NCUA Reviews of EDP Vendors Cybersecurity Letters to Credit Unions 1991 Active
91-CU-120 Interest Rate Adjustment Errors for ARM Loans Mortgage Lending Letters to Credit Unions 1991 Active
89-CU-109 Information Processing Issues Cybersecurity Letters to Credit Unions 1989 Active
88-CU-96 Privately Issued Mortgage Related Securities Investments Letters to Credit Unions 1988 Active
88-CU-100 Amended IRS Form 990 - Return of Organization Exempt from Income Tax Tax Exemption Letters to Credit Unions 1988 Active
87-CU-94 Financial Statement Classification of FCU Member Share Accounts Auditing Letters to Credit Unions 1987 Active
87-CU-90 Recordkeeping and Reporting Requirements under the Bank Secrecy Act BSA/AML Letters to Credit Unions 1987 Active
86-CU-84 Insider Dealing and Conflicts of Interest Governance Letters to Credit Unions 1986 Active
85-CU-79 Mutual Funds Investments Letters to Credit Unions 1985 Active
85-CU-78 Currency and Foreign Transaction Reporting Act BSA/AML Letters to Credit Unions 1985 Active
82-CU-66 Repurchase Agreements Operations Letters to Credit Unions 1982 Active
81-CU-60 Deregulation of Share, Share Draft, and Share Certificate Accounts Investments Letters to Credit Unions 1981 Active
81-CU-57 Diversification in the Investment Portfolio Investments Letters to Credit Unions 1981 Active
81-CU-54 Cautions to be Taken in Making Investments in Federal Funds Market Transactions Investments Letters to Credit Unions 1981 Active
24-RA-01 Home Mortgage Disclosure Act Data Requirements HMDA Regulatory Alerts 2024 Active
24-FCU-01 Federal Credit Union Operating Fee Schedule for 2024 Operating Fee Letters to Federal Credit Unions 2024 Active
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