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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 121 - 180 of 409 Results
Docket # Title Subject Type Year Status
SL No. 17-01 Evaluating Compliance Risk - Updated Compliance Risk Indicators Examination Program Supervisory Letters 2017 Active
SL No. 17-02 Examiner Guidance for Institutions Affected by a Major Disaster Business Continuity Supervisory Letters 2017 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
N/A Evaluating Residential Real Estate Mortgage Loan Modification Programs Mortgage Lending Supervisory Letters 2009 Active
SL No. 09-03 Reviewing Adequacy of Earnings Examination Program Supervisory Letters 2009 Active
N/A Supervising Low Income Credit Unions and Community Development Credit Unions Examination Program Supervisory Letters 2010 Active
SL No. 13-13 Private Student Loans Student Loans Supervisory Letters 2013 Active
SL No. 14-01 CFPB’s Ability-to-Repay and Qualified Mortgage Rule Mortgage Lending Supervisory Letters 2014 Active
SL No. 14-03 Liquidity and Contingency Funding Plans Liquidity Risk Supervisory Letters 2014 Active
SL No. 18-01 Bank Secrecy Act Customer Due Diligence and Beneficial Ownership Rules BSA/AML Supervisory Letters 2018 Active
N/A Interagency Supervisory Guidance Addressing Certain Issues Related to Troubled Debt Restructurings Troubled Debt Restructuring Supervisory Letters 2013 Active
SL No. 13-12 Enterprise Risk Management (ERM) Risk Management Supervisory Letters 2013 Active
18-FCU-03 Operating Fee Schedule Adjusted for 2019 Operating Fee Letters to Federal Credit Unions 2018 Active
07-FCU-02 Reincorporating Federal Credit Union Bylaws into NCUA Rules and Regulations Bylaws Letters to Federal Credit Unions 2007 Active
06-FCU-02 Measuring Service to Members Examination Program Letters to Federal Credit Unions 2006 Active
06-FCU-04 Evaluation of Earnings Examination Program Letters to Federal Credit Unions 2006 Active
05-FCU-02 Tax Consequences of Payment of Travel Expenses for FCU Volunteer Officials and Their Guests Tax Exemption Letters to Federal Credit Unions 2005 Active
03-FCU-06 Debt Cancellation and Suspension Programs Examination Program Letters to Federal Credit Unions 2003 Active
02-FCU-09 Risk-Focused Examination Program Examination Program Letters to Federal Credit Unions 2002 Active
01-FCU-06 Financial Education Curriculum Financial Literacy Letters to Federal Credit Unions 2001 Active
07-CU-09 Subprime Mortgage Lending Mortgage Lending Letters to Credit Unions 2007 Active
07-CU-13 Evaluating Third Party Relationships Third Parties Letters to Credit Unions 2007 Active
06-CU-12 Disaster Preparedness Response Examination Procedures Business Continuity Letters to Credit Unions 2006 Active
06-CU-16 Interagency Guidance on Nontraditional Mortgage Product Risk Mortgage Lending Letters to Credit Unions 2006 Active
06-CU-18 Revisions to the Official NCUA Sign Share Insurance Letters to Credit Unions 2006 Active
05-CU-01 Supervising Community Development Credit Unions Examination Program Letters to Credit Unions 2005 Active
05-CU-03 Overdraft Protection Bounce Protection Programs Overdrafts Letters to Credit Unions 2005 Active
05-CU-06 Frequently Asked Questions on Independent Appraisal and Evaluation Functions Appraisals Letters to Credit Unions 2005 Active
05-CU-07 Managing Risks Associated with Home Equity Lending Mortgage Lending Letters to Credit Unions 2005 Active
05-CU-09 Bank Secrecy Act Compliance BSA/AML Letters to Credit Unions 2005 Active
05-CU-12 Frequently Asked Questions on Residential Tract Development Lending Mortgage Lending Letters to Credit Unions 2005 Active
05-CU-21 Overdraft Courtesy Pay Programs Overdrafts Letters to Credit Unions 2005 Active
04-CU-01 Small Business Administration Loans Member Business Lending Letters to Credit Unions 2004 Active
04-CU-04 Investment Safekeeping Due Diligence Investments Letters to Credit Unions 2004 Active
04-CU-06 E-Mail and Internet Related Fraudulent Schemes Guidance Consumer Protection Letters to Credit Unions 2004 Active
04-CU-07 NCUAs Express Subscription Service NCUA Operations/Activities Letters to Credit Unions 2004 Active
04-CU-10 Items to Consider When Underwriting Member Member Business Lending Letters to Credit Unions 2004 Active
04-CU-12 Phishing Guidance for Credit Union Members Consumer Protection Letters to Credit Unions 2004 Active
04-CU-13 Specialized Lending Activities Consumer Lending Letters to Credit Unions 2004 Active
03-CU-01 Loan Charge-off Guidance Accounting Letters to Credit Unions 2003 Active
03-CU-05 Expanded AIRES Loan and Share Record Layout Examination Program Letters to Credit Unions 2003 Active
03-CU-11 Non-Maturity Shares and Balance Sheet Risk Liquidity Risk Letters to Credit Unions 2003 Active
03-CU-12 Fraudulent Newspaper Advertisements, and Websites by Consumer Protection Letters to Credit Unions 2003 Active
03-CU-15 Real Estate Concentrations and Interest Rate Risk Management for Credit Unions with Large Positions in Fixed-Rate Mortgage Portfolios Interest Rate Risk Letters to Credit Unions 2003 Active
03-CU-17 Independent Appraisal and Evaluation Functions for Appraisals Letters to Credit Unions 2003 Active
02-CU-05 Examination Program Liquidity Questionnaire Liquidity Risk Letters to Credit Unions 2002 Active
02-CU-09 Allowance for Loan and Lease Losses Accounting Letters to Credit Unions 2002 Active
01-CU-08 Liability Management Highly Rate-Sensitive Volatile Risk Management Letters to Credit Unions 2001 Active
01-CU-20 Due Diligence Over Third Party Service Providers Third Parties Letters to Credit Unions 2001 Active
00-CU-02 Identity Theft Prevention Consumer Protection Letters to Credit Unions 2000 Active
00-CU-05 Investments in Brokered Certificates of Deposits Investments Letters to Credit Unions 2000 Active
00-CU-14 Liquidity and Balance Sheet Risk Management Liquidity Risk Letters to Credit Unions 2000 Active
99-CU-05 Risk-Based Lending Consumer Lending 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
99-CU-17 Guidance for Credit Unions that Use More than One Name Operations Letters to Credit Unions 1999 Active
98-CU-01 Year 2000 Bridge Programs and Interfacing Y2K Letters to Credit Unions 1998 Active
98-CU-16 The Credit Union Membership Access Act of 1998 Legislation Letters to Credit Unions 1998 Active
97-CU-03 Coporate Business Resumption And Contingency Planning Business Continuity 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-09 Withdrawal of IRPS Operations Letters to Credit Unions 1997 Active