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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 404 Results
Docket # Title Subject Type Year Status
05-RA-07 Charitable Contributions and Donations to Storm Victims Consumer Protection Regulatory Alerts 2005 Active
06-RA-04 2006 Revisions to Uniform Standards of Professional Appraisal Practice USPAP Appraisals Regulatory Alerts 2006 Active
04-RA-07 Controlling the Assault of Non-Solicited Pornography and Marketing Act Consumer Protection Regulatory Alerts 2004 Active
01-RA-09 Use of Consumer Credit Reports for Business Loans Member Business Lending Regulatory Alerts 2001 Active
01-RA-03 Electronic Signatures in Global and National Commerce Act E-Sign Act Payments Regulatory Alerts 2001 Active
02-RA-06 Home Mortgage Disclosure Act Data Reporting Additions HMDA Regulatory Alerts 2002 Active
99-RA-04 New Communities Entering the National Flood Flood Insurance Regulatory Alerts 1999 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
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
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
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-07 Appraisals for Higher-Priced Mortgage Loans Appraisals Regulatory Alerts 2014 Active
10-RA-03 Interagency Guidance on Conducting Cross-Border Funds Transfers Payments 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-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
17-RA-03 Submission of 2016 Home Mortgage Disclosure Act Data HMDA Regulatory Alerts 2017 Active
17-RA-02 Home Mortgage Disclosure Act Data Collection Requirements for Calendar Year 2017 HMDA Regulatory Alerts 2017 Active
17-RA-01 2016 Mortgage Servicing Rule Fair Debt Collection Practices Act Interpretive Rule Mortgage Lending Regulatory Alerts 2017 Active
16-RA-07 Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z) Consumer Protection Regulatory Alerts 2016 Active
16-RA-06 Department of Defenses Interpretive Guidance on Military Lending Act Limitations on Terms of Consumer Credit Extended to Service Members and Dependents Military Lending/Service Members Regulatory Alerts 2016 Active
12-RA-04 Regulatory Alert: CFPB’s New Remittance Transfers Rule Payments Regulatory Alerts 2012 Active
16-RA-04 Guidance on Regulatory Changes Affecting Military Members Military Lending/Service Members Regulatory Alerts 2016 Active
16-RA-02 Enhanced Share Insurance Coverage Share Insurance Regulatory Alerts 2016 Active
16-RA-01 Home Mortgage Disclosure Act (HMDA) Data Collection Requirements for Calendar Year 2016 HMDA Regulatory Alerts 2016 Active
15-RA-04 Regulatory Changes Affecting Military Members Military Lending/Service Members Regulatory Alerts 2015 Active
08-RA-03 Guidance on Filing Suspicious Activity Reports Regarding the Proceeds of Foreign Corruption BSA/AML Regulatory Alerts 2008 Active
22-CU-10 Simplified CECL Tool for Credit Unions industry data Letters to Credit Unions 2022 Active
SL No. 22-01 Updates to Interest Rate Risk Supervisory Framework Interest Rate Risk Supervisory Letters 2022 Active
22-CU-09 Updates to Interest Rate Risk Supervisory Framework Interest Rate Risk Letters to Credit Unions 2022 Active
22-01 Current Expected Credit Losses (CECL) Effective Date for Credit Unions Accounting Accounting Bulletins 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-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-RISK-01 Heightened Risk of Social Engineering and Phishing Attacks Cybersecurity Risk Alerts 2022 Active
22-FCU-02 Final Rule on Definition of Service Facility Field of Membership Letters to Federal 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-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-RA-03 2022 Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold Mortgage Lending Regulatory Alerts 2022 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
22-FCU-01 Operating Fee Schedule Adjusted for 2022 Operating Fee Letters to Federal 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
21-CU-15 Automated Cybersecurity Evaluation Toolbox Cybersecurity Letters to Credit Unions 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-CU-17 Voluntary Credit Union Diversity Self-Assessment Credit Union Diversity Letters to Credit Unions 2021 Active
21-CU-16 Relationships with Third Parties that Provide Services Related to Digital Assets Digital Assets/Cryptocurrency Letters to Credit Unions 2021 Active
21-CU-13 Subordinated Debt Final Rule Effective January 1, 2022 Capital Planning Letters to Credit Unions 2021 Active
21-CU-12 Internal Revenue Service’s Volunteer Income Tax Assistance Program Collaboration Opportunities Partnerships Letters to Credit Unions 2021 Active
21-RISK-01 Business Email Compromise through Exploitation of Cloud-Based Email Services Cybersecurity Risk Alerts 2021 Active
21-FCU-05 Post-Examination Survey Pilot Examination Program Letters to Federal Credit Unions 2021 Active
21-RA-09 CFPB Issues New Specifications for its Collect Website Relating to Credit Card Data Submission Consumer Lending Regulatory Alerts 2021 Active
21-CU-11 Emergency Capital Investment Program Participation Capital Planning Letters to Credit Unions 2021 Active

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