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.

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 121 - 180 of 840 Results
Docket # Title Subject Type Year Status
95-CU-174 Explanation on Risk-based lending Mortgage Lending Letters to Credit Unions 1995 Active
95-CU-173 Amendments to the Bank Secrecy Act BSA/AML Letters to Credit Unions 1995 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
79-CU-29 Government Securities (Safekeeping) Investments Letters to Credit Unions 1979 Active
78-CU-21 Fiduciary Liability Insurance Risk Management Letters to Credit Unions 1978 Active
23-RA-02 Home Mortgage Disclosure Act Data Collection Requirements for Calendar Year 2023 HMDA Regulatory Alerts 2023 Active
23-RA-01 Change to HMDA’s Closed-End Loan Reporting Threshold 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-CU-01 NCUA’s 2023 Supervisory Priorities Examination Program Letters to Credit Unions 2023 Active
22-RISK-01 Heightened Risk of Social Engineering and Phishing Attacks Cybersecurity Risk Alerts 2022 Active
22-RA-03 2022 Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold Mortgage Lending Regulatory Alerts 2022 Active
22-RA-02 Submission of 2021 Home Mortgage Disclosure Act Data HMDA Regulatory Alerts 2022 Active
22-RA-01 Home Mortgage Disclosure Act Data Collection Requirements for Calendar Year 2022 HMDA Regulatory Alerts 2022 Active
22-FCU-03 Expiration of Emergency Exemption from Certain In-Person Meeting Requirements Operations Letters to Federal Credit Unions 2022 Active
22-FCU-02 Final Rule on Definition of Service Facility Field of Membership Letters to Federal Credit Unions 2022 Active
22-FCU-01 Operating Fee Schedule Adjusted for 2022 Operating Fee Letters to Federal Credit Unions 2022 Active
22-CU-11 NCUA to Begin Phase 3 of Resuming Onsite Operations NCUA Operations/Activities Letters to Credit Unions 2022 Active
22-CU-10 Simplified CECL Tool for Credit Unions industry data Letters to Credit Unions 2022 Active
22-CU-09 Updates to Interest Rate Risk Supervisory Framework Interest Rate Risk Letters to Credit Unions 2022 Active
22-CU-08 Risk-Based Approach to Assessing Customer Relationships and Conducting Customer Due Diligence Risk Management Letters to Credit Unions 2022 Active
22-CU-07 Federally Insured Credit Union Use of Distributed Ledger Technologies Operations 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 Active
22-CU-05 CAMELS Rating System Examination Program Letters to Credit Unions 2022 Active
22-CU-04 Equal Credit Opportunity Act Nondiscrimination Requirements Consumer Protection Letters to Credit Unions 2022 Active
22-CU-03 Special Purpose Credit Programs Consumer Lending Letters to Credit Unions 2022 Active
22-CU-02 NCUA’s 2022 Supervisory Priorities Examination Program Letters to Credit Unions 2022 Active
22-CU-01 Submission for 2021 Voluntary Credit Union Diversity Self-Assessment Extended to January 31, 2022 Credit Union Diversity Letters to Credit Unions 2022 Active
22-02 Current Expected Credit Losses (CECL) Effective Date for Credit Unions (Revised) Accounting Accounting Bulletins 2022 Active
22-01 Current Expected Credit Losses (CECL) Effective Date for Credit Unions Accounting Accounting Bulletins 2022 Active
21-RISK-01 Business Email Compromise through Exploitation of Cloud-Based Email Services Cybersecurity Risk Alerts 2021 Active
21-RA-11 2022 Threshold Adjustments Under the Truth in Lending Act (Regulation Z), the Consumer Leasing Act (Regulation M), and the Fair Credit Reporting Act (Regulation V) Appraisals 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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