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 61 - 120 of 840 Results
Docket # Title Subject Type Year Status
19-08 CFPB Releases Small Entity Compliance Guide Summarizing the Payday, Vehicle Title, and Certain High-Cost Installment Loans Rule Consumer Lending Consumer Financial Protection Updates 2019 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
19-17 CFPB Issues Correction to Final Rule on Adjusted 2020 HOEPA Threshold Mortgage Lending Consumer Financial Protection Updates 2019 Active
08-CU-18 Educating Members on Share Insurance Coverage Share Insurance Letters to Credit Unions 2008 Active
09-CU-06 Corporate Stabilization Program – Conservatorship of U.S. Central FCU and Western Corporate FCU Corporate Resolution Program Letters to Credit Unions 2009 Active
09-CU-21 Official NCUA Sign Share Insurance Letters to Credit Unions 2009 Active
19-04 Submission of 2018 Home Mortgage Disclosure Act Data HMDA 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
08-RA-11 Bank Secrecy Act Amendments – Exemptions from The Requirement to Report Transactions in Currency BSA/AML Regulatory Alerts 2008 Active
10-RA-02 Real Estate Settlement Procedures Act Settlement Statements and Frequently Asked Questions Mortgage Lending Regulatory Alerts 2010 Active
10-RA-03 Interagency Guidance on Conducting Cross-Border Funds Transfers Payments Regulatory Alerts 2010 Active
10-RA-09 Guidance on Filing Suspicious Activity Reports Regarding Home Equity Conversion Mortgage Fraud Schemes BSA/AML Regulatory Alerts 2010 Active
10-RA-14 Flood Insurance May Be Extended at Lower Cost Flood Insurance Regulatory Alerts 2010 Active
13-RA-09 New Homeownership Counseling and Consumer Protection Requirements from CFPB Mortgage Lending Regulatory Alerts 2013 Active
14-RA-01 Ability-To-Repay and Qualified Mortgage Requirements from the Consumer Financial Protection Bureau (CFPB) Mortgage Lending Regulatory Alerts 2014 Active
14-RA-02 New Homeownership Counseling and Consumer Protection Requirements from CFPB Mortgage Lending Regulatory Alerts 2014 Active
02-RA-12 OFAC Changes to the Specially Designated Nationals and Blocked Persons List BSA/AML Regulatory Alerts 2002 Active
02-RA-05 Office of Foreign Assets Control Specially Designated Narcotics Traffickers Added to List BSA/AML Regulatory Alerts 2002 Active
99-RA-03 Pretext Phone Calling by Account Information Brokers Consumer Protection Regulatory Alerts 1999 Active
98-RA-06 Exemptions from the Requirement to Report Transactions in Currency - Phase II BSA/AML Regulatory Alerts 1998 Active
97-RA-08 Blocking of Accounts Associated with Narcotics Traffickers BSA/AML Regulatory Alerts 1997 Active
03-RA-06 OFAC Changes to the Specially Designated Nationals and Blocked Persons List BSA/AML Regulatory Alerts 2003 Active
20-RA-04 Consumer Financial Protection Bureau Increases Reporting Thresholds Under the Home Mortgage Disclosure Act HMDA Regulatory Alerts 2020 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-04 Home Mortgage Disclosure Act Data Collection Requirements for Calendar Year 2021 HMDA Regulatory Alerts 2021 Active
21-RA-08 CFPB Amends Mortgage Servicing Requirements for Borrowers Affected by the COVID-19 Emergency Mortgage Lending Regulatory Alerts 2021 Active
19-RISK-01 Business Email Compromise Fraud Cybersecurity Risk Alerts 2019 Active
SL No. 14-01 CFPB’s Ability-to-Repay and Qualified Mortgage Rule Mortgage Lending Supervisory Letters 2014 Active
19-03 Home Mortgage Disclosure Act Data Collection Requirements for Calendar Year 2019 HMDA Consumer Financial Protection Updates 2019 Active
19-05 CFPB Issues Reference Tool for 2019 HMDA Data Collection HMDA Consumer Financial Protection Updates 2019 Active
08-CU-23 Central Liquidity Facility Central Liquidity Facility Letters to Credit Unions 2008 Active
09-CU-04 Making Home Affordable: A Program for Mortgage Mortgage Lending Letters to Credit Unions 2009 Active
10-CU-15 Indirect Lending and Appropriate Due Diligence Consumer Lending Letters to Credit Unions 2010 Active
11-CU-11REVISED Impact of US Debt Downgrade Investments Letters to Credit Unions 2011 Active
12-CU-11 Interest Rate Risk Policy and Program Frequently Asked Questions Interest Rate Risk Letters to Credit Unions 2012 Active
13-CU-06 2013 Corporate Stabilization Fund Assessment Corporate Resolution Program Letters to Credit Unions 2013 Active
97-CU-09 Withdrawal of IRPS Operations Letters to Credit Unions 1997 Active
98-CU-10 Testing for Year 2000 Readiness Y2K Letters to Credit Unions 1998 Active
99-CU-03 Year 2000 Federal Insurance Brochure Y2K Letters to Credit Unions 1999 Active
02-CU-05 Examination Program Liquidity Questionnaire Liquidity Risk Letters to Credit Unions 2002 Active
04-CU-14 Risk Management of Free and Open Source Software Cybersecurity Letters to Credit Unions 2004 Active
20-CU-19 Additional Guidance Regarding Servicing Hemp-Related Businesses BSA/AML Letters to Credit Unions 2020 Active
21-CU-17 Voluntary Credit Union Diversity Self-Assessment Credit Union Diversity Letters to Credit Unions 2021 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-CU-11 NCUA to Begin Phase 3 of Resuming Onsite Operations NCUA Operations/Activities Letters to Credit Unions 2022 Active
08-FCU-02 Permissible Interest Rate Ceiling Consumer Lending Letters to Federal Credit Unions 2008 Active
11-FCU-04 Permissible Interest Rate Ceiling Consumer Lending Letters to Federal Credit Unions 2011 Active
15-FCU-03 How to Add Associations to Your Field of Membership Chartering/Field of Membership Letters to Federal Credit Unions 2015 Active
15-FCU-01 Operating Fee Scale Reduced for 2015 Operating Fee Letters to Federal Credit Unions 2015 Active
03-FCU-02 Community Development Financial Institutions Financial and Technical Assistance NCUA Operations/Activities Letters to Federal Credit Unions 2003 Active
07-FCU-01 Operating Fee Schedule for FY 2007 Operating Fee Letters to Federal Credit Unions 2007 Active
20-FCU-01 Operating Fee Schedule Adjusted for 2020 Operating Fee Letters to Federal Credit Unions 2020 Active
20-FCU-02 NCUA Actions Related to COVID-19 – Annual Meeting Flexibility Operations Letters to Federal Credit Unions 2020 Active
05-CU-17 Real Estate Appraisal Waiver for Credit Unions Affected by Appraisals Letters to Credit Unions 2005 Active
05-CU-15 Increasing Risks in Mortgage Lending Mortgage Lending Letters to Credit Unions 2005 Active
05-CU-04 State of the Credit Union Industry as of December 31, 2004 State of the Industry Letters to Credit Unions 2005 Active
07-CU-07 Consumer Information for Nontraditional Mortgage Products Mortgage Lending Letters to Credit Unions 2007 Active
19-CU-02 Guidance to NCUA Staff on Evaluating Secondary Capital Plans Capital Planning Letters to Credit Unions 2019 Active
20-CU-07 Summary of the Coronavirus Aid, Relief, and Economic Security (CARES) Act Legislation Letters to Credit Unions 2020 Active
20-CU-11 Regulatory Treatment for Paycheck Protection Program Loans Member Business Lending Letters to Credit Unions 2020 Active

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