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.
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
05-CU-12	Frequently Asked Questions on Residential Tract Development Lending	Mortgage Lending	Letters to Credit Unions	2005
05-CU-21	Overdraft Courtesy Pay Programs	Overdrafts	Letters to Credit Unions	2005
04-CU-07	NCUAs Express Subscription Service	NCUA Operations/Activities	Letters to Credit Unions	2004
03-CU-05	Expanded AIRES Loan and Share Record Layout	Examination Program	Letters to Credit Unions	2003
03-CU-17	Independent Appraisal and Evaluation Functions for	Appraisals	Letters to Credit Unions	2003
01-CU-20	Due Diligence Over Third Party Service Providers	Third Parties	Letters to Credit Unions	2001
99-CU-17	Guidance for Credit Unions that Use More than One Name	Operations	Letters to Credit Unions	1999
94-CU-162	Truth-in-Savings Act Compliance	Consumer Protection	Letters to Credit Unions	1994
10-01	Interagency Supervisory Guidance on Bargain Purchases And FDIC- and NCUA-Assisted Acquisitions	Accounting	Accounting Bulletins	2010
2013-02	Implementing Section 704.21 – Enterprise Risk Management	Risk Management	Letters to Corporate Credit Unions	2013
2016-01	Employee Benefit Plans	Employee Benefit Plans	Letters to Corporate Credit Unions	2016
10-RA-03	Interagency Guidance on Conducting Cross-Border Funds Transfers	Payments	Regulatory Alerts	2010
24-FCU-02	Permissible Loan Interest Rate Ceiling Extended	Consumer Lending	Letters to Federal Credit Unions	2024
03-CU-14	Computer Software Patch Management	Cybersecurity	Letters to Credit Unions	2003
06-CU-07	IT Security Compliance Guide for Credit Unions	Cybersecurity	Letters to Credit Unions	2006
01-CU-21	Disaster Recovery and Business Resumption	Business Continuity	Letters to Credit Unions	2001
17-CU-05	Frequently Asked Questions on the New Accounting Standard on Financial Instruments Credit Losses	Accounting	Letters to Credit Unions	2017
17-CU-04	FFIEC Uniform HMDA Resubmission Guidelines	HMDA	Letters to Credit Unions	2017
16-CU-13	Frequently Asked Questions on the New Accounting Standard on Financial Instruments Credit Losses	Accounting	Letters to Credit Unions	2016
16-CU-04	Member Account Deposit Reconciliation Practices	Consumer Protection	Letters to Credit Unions	2016
10-CU-23	Best Practices in Real Estate Appraisals	Appraisals	Letters to Credit Unions	2010
13-CU-12	Guidance on How to Comply with NCUA Regulation 74112 Liquidity and Contingency Funding Plans	Risk Management	Letters to Credit Unions	2013
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
13-CU-15	Supervisory Guidance on Private Student Loans	Student Loans	Letters to Credit Unions	2013
12-CU-07	Mortgage Servicing Practices Impacting Military Homeowner	Military Lending/Service Members	Letters to Credit Unions	2012
14-CU-06	Taxi Medallion Lending	Taxi Medallions	Letters to Credit Unions	2014
14-CU-08	Home Equity Lines of Credit Nearing Their End-of-Draw Period	Mortgage Lending	Letters to Credit Unions	2014
13-CU-07	Loan Participation Waivers	Participations	Letters to Credit Unions	2013
23-12	Technical Correction for the CECL Transition Amount	Accounting	Accounting Bulletins	2023
10-CU-16	Reverse Mortgages	Mortgage Lending	Letters to Credit Unions	2010
10-CU-15	Indirect Lending and Appropriate Due Diligence	Consumer Lending	Letters to Credit Unions	2010
10-CU-14	Strengthening Funding and Liquidity Risk Management	Liquidity Risk	Letters to Credit Unions	2010
10-CU-11	Information on NCUAs Merger and Purchase Assumption Process	Mergers	Letters to Credit Unions	2010
10-CU-08	Guidance for National Flood Insurance Program Authority Lapses	Flood Insurance	Letters to Credit Unions	2010
10-CU-06	Interagency Advisory on Interest Rate Risk Management	Interest Rate Risk	Letters to Credit Unions	2010
10-CU-01	Supervising Low Income Credit Unions and Community Development Credit Unions	Examination Program	Letters to Credit Unions	2010
08-CU-01	Guidance on Pandemic Planning	Business Continuity	Letters to Credit Unions	2007
08-CU-13	Environmental Liability Risk Management Guidance	Risk Management	Letters to Credit Unions	2008
09-CU-21	Official NCUA Sign	Share Insurance	Letters to Credit Unions	2009
09-CU-16	Guidance on Acceptance of California Warrants	Investments	Letters to Credit Unions	2009
08-CU-23	Central Liquidity Facility	Central Liquidity Facility	Letters to Credit Unions	2008
15-CU-03	Taxi Medallion Lending Questions and Answers	Taxi Medallions	Letters to Credit Unions	2015
15-CU-04	Improving the Process for Consumer Complaints	Consumer Protection	Letters to Credit Unions	2015
15-CU-02	Private Student Loans with Graduated Repayment Terms at Loan Origination	Student Loans	Letters to Credit Unions	2015
13-FCU-03	Potential Violations of Common Bond Advertising Requirements	Chartering/Field of Membership	Letters to Federal Credit Unions	2013
10-FCU-03	Sales of Nondeposit Investments	Investments	Letters to Federal Credit Unions	2010
09-FCU-03	Membership Data Collection	Examination Program	Letters to Federal Credit Unions	2009
18-CU-04	Sharing Bank Secrecy Act Resources	BSA/AML	Letters to Credit Unions	2018
18-CU-03	Merger Rule Provisions Including the Member-to-Member (MTM) Communications Process	Mergers	Letters to Credit Unions	2018
11-CU-04	Financial Education and Financial Literacy Initiative	Financial Literacy	Letters to Credit Unions	2011
17-CU-08	Interagency Supervisory Guidance for Institutions Affected by a Major Disaster	Business Continuity	Letters to Credit Unions	2017
14-FCU-03	Unfair or Deceptive Credit Practices	Consumer Protection	Letters to Federal Credit Unions	2014
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
24-CU-02	Board of Director Engagement in Cybersecurity Oversight	Cybersecurity	Letters to Credit Unions	2024
25-CU-01	NCUA’s 2025 Supervisory Priorities	Examination Program	Letters to Credit Unions	2025
25-CU-02	Cyber Incident Notification Requirements Update to Letter 23-CU-07	Cybersecurity	Letters to Credit Unions	2025
23-CU-08	Resumption of Federal Student Loan Payments	Risk Management	Letters to Credit Unions	2023
SL No. 22-01	Updates to Interest Rate Risk Supervisory Framework	Interest Rate Risk	Supervisory Letters	2022
21-RISK-01	Business Email Compromise through Exploitation of Cloud-Based Email Services	Cybersecurity	Risk Alerts	2021
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

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