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 842 Results
Docket # Title Subject Type Year Status
99-RA-03 Pretext Phone Calling by Account Information Brokers Consumer Protection Regulatory Alerts 1999 Active
99-RA-04 New Communities Entering the National Flood Flood Insurance Regulatory Alerts 1999 Active
01-RA-09 Use of Consumer Credit Reports for Business Loans Member Business Lending Regulatory Alerts 2001 Active
01-RA-10 Executive Orders Targeting Terrorists, Additions to the OFAC SDN ListFinCENs Financial Institutions Hotline BSA/AML Regulatory Alerts 2001 Active
09-RA-13 Home Ownership and Equity Protection Act Mortgage Lending Regulatory Alerts 2009 Active
09-RA-12 Regulation D Amendments Reserve Requirements Regulatory Alerts 2009 Active
09-RA-11 Amendments to the Mortgage Loan Provisions of Regulation Z (Truth in Lending) Implementing the Mortgage Disclosure Improvement Act (MDIA) Mortgage Lending Regulatory Alerts 2009 Active
09-RA-10 Amendments to Regulation Z, Truth in Lending Consumer Lending Regulatory Alerts 2009 Active
09-RA-09 Interagency Fair Lending Examination Procedures Examination Program Regulatory Alerts 2009 Active
09-RA-08 The Protecting Tenants at Foreclosure Act of 2009 Consumer Protection Regulatory Alerts 2009 Active
09-RA-07 Amendments to Regulation Z, Truth in Lending Consumer Lending Regulatory Alerts 2009 Active
14-RA-07 Appraisals for Higher-Priced Mortgage Loans Appraisals Regulatory Alerts 2014 Active
14-RA-05 Mortgage Loan Originator Compensation Requirements from the Consumer Financial Protection Bureau (CFPB) Mortgage Lending Regulatory Alerts 2014 Active
14-RA-04 Mortgage Servicing Requirements from the Consumer Financial Protection Bureau (CFPB) under the Real Estate Settlement Procedures Act (RESPA) Mortgage Lending Regulatory Alerts 2014 Active
14-RA-03 Mortgage Servicing Requirements from the Consumer Financial Protection Bureau (CFPB) under the Truth In Lending Act (TILA) Mortgage Lending Regulatory Alerts 2014 Active
14-RA-02 New Homeownership Counseling and Consumer Protection Requirements from CFPB Mortgage Lending Regulatory Alerts 2014 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-11 Alternative Method to Deliver Required Annual Privacy Notice Consumer Protection Regulatory Alerts 2014 Active
13-RA-08 Appraisals for Higher-Priced Mortgage Loans Appraisals Regulatory Alerts 2013 Active
13-RA-07 CFPB’s New Rule on Real Estate Appraisals and Other Written Valuations under the Equal Credit Opportunity Act Appraisals Regulatory Alerts 2013 Active
15-RA-05 Statutory Changes to Flood Insurance Rule Flood Insurance Regulatory Alerts 2015 Active
15-RA-04 Regulatory Changes Affecting Military Members Military Lending/Service Members Regulatory Alerts 2015 Active
15-RA-02 Home Mortgage Disclosure Act (HMDA) Data Collection Requirements for Calendar Year 2015 HMDA Regulatory Alerts 2015 Active
15-RA-01 Submission of 2014 Home Mortgage Disclosure Act (HMDA) Data HMDA Regulatory Alerts 2015 Active
15-RA-03 Preparing to Comply with TILA-RESPA Changes on August 1 Mortgage Lending Regulatory Alerts 2015 Active
14-RA-10 CFPB Amendments to the Remittance Transfer Rule Payments Regulatory Alerts 2014 Active
14-RA-09 Updated Ability-To-Repay and Qualified Mortgage Requirements from the Consumer Financial Protection Bureau (CFPB) Mortgage Lending Regulatory Alerts 2014 Active
14-RA-08 Submission of 2013 Home Mortgage Disclosure Act (HMDA) Data HMDA Regulatory Alerts 2014 Active
10-RA-05 Interagency Guidance on Obtaining and Retaining Beneficial Ownership Information BSA/AML Regulatory Alerts 2010 Active
10-RA-04 Home Mortgage Disclosure Act (HMDA)/ Submission of 2009 HMDA Data for Credit Unions Over $39 Million in Assets HMDA Regulatory Alerts 2010 Active
10-RA-03 Interagency Guidance on Conducting Cross-Border Funds Transfers Payments Regulatory Alerts 2010 Active
10-RA-02 Real Estate Settlement Procedures Act Settlement Statements and Frequently Asked Questions Mortgage Lending Regulatory Alerts 2010 Active
10-RA-01 Home Mortgage Disclosure Act HMDA Regulatory Alerts 2010 Active
10-RA-15 Risk-Based Pricing Rule Changes Effective January 1, 2011 Consumer Lending Regulatory Alerts 2010 Active
09-RA-15 Issue 16 of the SAR Activity Review – Trends, Tips & Issues, October 2009 BSA/AML Regulatory Alerts 2009 Active
09-RA-14 Final Rule Technical Amendments to Availability of Funds and Collection of Checks (Regulation CC)1 Payments Regulatory Alerts 2009 Active
11-RA-01 Submission of 2010 Home Mortgage Disclosure Act(HMDA) Data HMDA Regulatory Alerts 2011 Active
11-RA-04 Garnishment of Accounts Containing Federal Benefit Payments Consumer Protection Regulatory Alerts 2011 Active
10-RA-14 Flood Insurance May Be Extended at Lower Cost Flood Insurance Regulatory Alerts 2010 Active
10-RA-13 Final Rule - Part 701, Short-term, Small Amount Loans Consumer Lending Regulatory Alerts 2010 Active
10-RA-12 Member Notice Requirements for Overdraft Services Overdrafts 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-10 Potential Risks of Property Assessed Clean Energy Loans Mortgage Lending 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-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
10-RA-06 Exception for Customer Identification Program (CIP) requirements to protect victims of domestic abuse BSA/AML Regulatory Alerts 2010 Active
13-RA-06 CFPB's Amended Remittance Transfer Rule Compliance Deadline: October 28, 2013 Payments Regulatory Alerts 2013 Active
13-RA-05 New Escrow Requirements under the Truth in Lending Act Mortgage Lending Regulatory Alerts 2013 Active
13-RA-04 Garnishment of Accounts Containing Federal Benefit Payments Consumer Protection Regulatory Alerts 2013 Active
13-RA-03 Guidance on Biggert-Waters Flood Insurance Reform Act of 2012 Flood Insurance Regulatory Alerts 2013 Active
13-RA-02 Regulatory Alert: Submission of 2012 Home Mortgage Disclosure Act (HMDA) Data HMDA Regulatory Alerts 2013 Active
13-RA-01 Regulatory Alert: Home Mortgage Disclosure Act (HMDA) Data Collection Requirements for Calendar Year 2013 HMDA Regulatory Alerts 2013 Active
13-RA-09 New Homeownership Counseling and Consumer Protection Requirements from CFPB Mortgage Lending Regulatory Alerts 2013 Active
12-RA-03 Regulatory Alert: New Flexibility in Loan Originator Compensation Rules and Pension Plan Payments Consumer Protection Regulatory Alerts 2012 Active
09-RA-06 Identity Theft Red Flags and Address Discrepancies Guidance Consumer Protection Regulatory Alerts 2009 Active
09-RA-05 Guidance on Filing Suspicious Activity Reports BSA/AML Regulatory Alerts 2009 Active
09-RA-04 Currency Transaction Reporting (CTR) Requirement Educational Pamphlet BSA/AML Regulatory Alerts 2009 Active
09-RA-03 HMDA Submission of 2008 HMDA Data HMDA Regulatory Alerts 2009 Active
09-RA-02 HMDA Data Collection Requirements for Calender Year 2009 HMDA Regulatory Alerts 2009 Active

The NCUA is committed to providing an excellent user experience to all individuals, including persons with disabilities. If you require an accommodation to access information on or to use this website, contact Section508@NCUA.gov to request one. Please visit the NCUA's Accessibility Statement for additional information.