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 840 Results
Docket # Title Subject Type Year Status
22-CU-08 Risk-Based Approach to Assessing Customer Relationships and Conducting Customer Due Diligence Risk Management Letters to Credit Unions 2022 Active
13-CU-12 Guidance on How to Comply with NCUA Regulation 74112 Liquidity and Contingency Funding Plans Risk Management Letters to Credit Unions 2013 Active
06-RA-06 Regulation D Amendment Reserve Requirements Regulatory Alerts 2006 Active
09-RA-12 Regulation D Amendments Reserve Requirements Regulatory Alerts 2009 Active
11-CU-10 Federal Reserve Bank Excess Balance Accounts Fact Sheet Reserve Requirements Letters to Credit Unions 2011 Active
08-RA-08 Regulation D Amendments Reserve Requirements Regulatory Alerts 2008 Active
20-RA-02 Federal Reserve Board Issues Rule Allowing Credit Unions to Remove the Monthly Limit on Savings Withdrawals Reserve Requirements Regulatory Alerts 2020 Active
16-CU-03 Regulatory Relief on Annual Privacy Notices Privacy Letters to Credit Unions 2016 Active
02-CU-02 NCUAs Privacy of Consumer Financial Information Privacy Letters to Credit Unions 2002 Active
01-CU-02 Privacy of Consumer Financial Information Privacy Letters to Credit Unions 2001 Active
01-RA-03 Electronic Signatures in Global and National Commerce Act E-Sign Act Payments Regulatory Alerts 2001 Active
00-RA-04 Regulation CC Availability of Funds and Collection of Checks Payments Regulatory Alerts 2000 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
10-RA-03 Interagency Guidance on Conducting Cross-Border Funds Transfers Payments Regulatory Alerts 2010 Active
04-RA-12 Check 21 Act Payments Regulatory Alerts 2004 Active
00-RA-01 Electronic Transfer Accounts Payments Regulatory Alerts 2000 Active
14-RA-10 CFPB Amendments to the Remittance Transfer Rule Payments Regulatory Alerts 2014 Active
97-RA-06 Amended Regulation CC Availability of Funds and Collection of Checks Payments Regulatory Alerts 1997 Active
10-RA-07 FFIEC Release of Updated Retail Payment Systems Examination Handbook Payments Regulatory Alerts 2010 Active
10-CU-26 Evaluating Payment System Service Providers Payments Letters to Credit Unions 2010 Active
12-RA-04 Regulatory Alert: CFPB’s New Remittance Transfers Rule Payments Regulatory Alerts 2012 Active
20-RA-05 Remittance Transfers under the Electronic Fund Transfer Act Payments Regulatory Alerts 2020 Active
02-CU-06 National Direct Deposit and Direct Payment Month Payments Letters to Credit Unions 2002 Active
98-RA-08 Electronic Transfer Act Payments Regulatory Alerts 1998 Active
06-CU-09 Department of the Treasurys Go Direct Campaign Payments Letters to Credit Unions 2006 Active
05-CU-14 Federal Reserve Policy on Contaminated Currency and Checks Payments Letters to Credit Unions 2005 Active
10-RA-08 Unlawful Internet Gambling Enforcement Act of 2006 Payments Regulatory Alerts 2010 Active
09-RA-14 Final Rule Technical Amendments to Availability of Funds and Collection of Checks (Regulation CC)1 Payments Regulatory Alerts 2009 Active
10-RA-11 Consolidation of Federal Reserve Board Check Centers: Impact on Deposit Holds and Funds Availability Payments Regulatory Alerts 2010 Active
08-CU-08 NCUAs Electronic Payment Systems EPS Questionnaires Payments Letters to Credit Unions 2008 Active
16-CU-06 Preparing for Same-Day Automated Clearing House (ACH) Payments Payments Letters to Credit Unions 2016 Active
13-RA-06 CFPB's Amended Remittance Transfer Rule Compliance Deadline: October 28, 2013 Payments Regulatory Alerts 2013 Active
02-FCU-10 The Compassion Capital Fund Partnerships Letters to Federal Credit Unions 2002 Active
02-FCU-05 Rural Housing and Economic Development Program Partnerships Letters to Federal Credit Unions 2002 Active
08-CU-15 Regional Coalitions Public-Private Partnerships for the Partnerships Letters to Credit Unions 2008 Active
02-FCU-03 First Accounts Program Grants Partnerships Letters to Federal Credit Unions 2002 Active
21-CU-12 Internal Revenue Service’s Volunteer Income Tax Assistance Program Collaboration Opportunities Partnerships Letters to Credit Unions 2021 Active
02-FCU-02 Partnership Opportunities with IRS Partnerships Letters to Federal Credit Unions 2002 Active
02-FCU-13 Credit Union Development Initiatives Partnerships Letters to Federal Credit Unions 2002 Active
02-FCU-12 Partnership Opportunities with the Corporation for National and Community Service Partnerships Letters to Federal Credit Unions 2002 Active
02-FCU-07 Neighborhood Reinvestment Corporation Partnerships Letters to Federal Credit Unions 2002 Active
08-CU-26 Evaluating Loan Participation Programs Participations Letters to Credit Unions 2008 Active
13-CU-07 Loan Participation Waivers Participations Letters to Credit Unions 2013 Active
SL No. 13-04 Supervision Guidance on Loan Participation Waivers Participations Supervisory Letters 2013 Active
N/A Evaluating Loan Participation Programs Participations Supervisory Letters 2008 Active
05-CU-03 Overdraft Protection Bounce Protection Programs Overdrafts Letters to Credit Unions 2005 Active
05-CU-21 Overdraft Courtesy Pay Programs Overdrafts Letters to Credit Unions 2005 Active
10-RA-12 Member Notice Requirements for Overdraft Services Overdrafts Regulatory Alerts 2010 Active
20-RA-01 Other Supervisory Committee Audits Other Supervisory Committee Audits Regulatory Alerts 2020 Active
11-CU-05 Planning and Preparedness for a Potential Government Shutdown Operations Letters to Credit Unions 2011 Active
97-CU-09 Withdrawal of IRPS Operations Letters to Credit Unions 1997 Active
20-FCU-02 NCUA Actions Related to COVID-19 – Annual Meeting Flexibility Operations Letters to Federal Credit Unions 2020 Active
20-CU-02 NCUA Actions Related to COVID-19 Operations Letters to Credit Unions 2020 Active
20-CU-03 Identification of Essential Critical Infrastructure Workers During COVID-19 Operations Letters to Credit Unions 2020 Active
22-FCU-03 Expiration of Emergency Exemption from Certain In-Person Meeting Requirements Operations Letters to Federal Credit Unions 2022 Active
08-CU-25 Credit Unions Holding Foreclosed Properties as Foreclosed and Repossessed Assets FRA Operations Letters to Credit Unions 2008 Active
01-CU-15 FBI Request for Records Search by Credit Unions Operations Letters to Credit Unions 2001 Active
21-FCU-06 Federal Credit Union Meeting Flexibility in 2022 Due to the COVID-19 Pandemic Operations Letters to Federal Credit Unions 2021 Active
11-CU-15 Changes to U.S. Savings Bonds Sales Operations Letters to Credit Unions 2011 Active
07-CU-03 Daylight Saving Time Operations Letters to Credit Unions 2007 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.