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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 61 - 120 of 404 Results
Docket # Title Subject Type Year Status
21-CU-13 Subordinated Debt Final Rule Effective January 1, 2022 Capital Planning Letters to Credit Unions 2021 Active
21-CU-11 Emergency Capital Investment Program Participation Capital Planning Letters to Credit Unions 2021 Active
21-CU-04 Renewal of Prompt Corrective Action Relief Capital Planning Letters to Credit Unions 2021 Inactive
19-CU-02 Guidance to NCUA Staff on Evaluating Secondary Capital Plans Capital Planning Letters to Credit Unions 2019 Active
SL No. 19-01 Evaluating Secondary Capital Plans Capital Planning Supervisory Letters 2019 Active
2010-02 Guidelines for Complying with Part 704 Rules Changes Capital Requirements Letters to Corporate Credit Unions 2010 Active
20-CU-14 Establishment of CLF Agent Memberships Central Liquidity Facility Letters to Credit Unions 2020 Inactive
20-CU-08 Enhancements to Central Liquidity Facility Membership and Borrowing Authority Central Liquidity Facility Letters to Credit Unions 2020 Active
08-CU-23 Central Liquidity Facility Central Liquidity Facility Letters to Credit Unions 2008 Active
21-FCU-03 Underserved Area Expansions Chartering/Field of Membership Letters to Federal Credit Unions 2021 Active
20-FCU-03 Amended Field of Membership Application Requirements for Combined Statistical Area and Core-Based Statistical Area Chartering/Field of Membership Letters to Federal Credit Unions 2020 Active
20-CU-21 Field of Membership - Rural Districts Chartering/Field of Membership Letters to Credit Unions 2020 Active
20-CU-16 Low-Income Designations: Qualification of Military Personnel Chartering/Field of Membership Letters to Credit Unions 2020 Active
15-FCU-03 How to Add Associations to Your Field of Membership Chartering/Field of Membership Letters to Federal Credit Unions 2015 Active
18-FCU-02 Requests to Serve a Well-Defined Local Community Using the Narrative Approach Chartering/Field of Membership Letters to Federal Credit Unions 2018 Active
13-FCU-03 Potential Violations of Common Bond Advertising Requirements Chartering/Field of Membership Letters to Federal Credit Unions 2013 Active
N/A Concentration Risk Concentration Risk Supervisory Letters 2010 Active
10-CU-03 Concentration Risk Concentration Risk Letters to Credit Unions 2010 Active
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
04-CU-13 Specialized Lending Activities Consumer Lending Letters to Credit Unions 2004 Active
22-CU-03 Special Purpose Credit Programs Consumer Lending Letters to Credit Unions 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
21-RA-09 CFPB Issues New Specifications for its Collect Website Relating to Credit Card Data Submission Consumer Lending Regulatory Alerts 2021 Active
21-FCU-04 Permissible Loan Interest Rate Ceiling Extended Consumer Lending Letters to Federal Credit Unions 2021 Active
21-CU-07 Capitalization of Unpaid Interest Consumer Lending Letters to Credit Unions 2021 Active
20-RA-09 2021 Exemption Thresholds Adjustments Under the Truth in Lending Act (Regulation Z) and the Consumer Leasing Act Consumer Lending Regulatory Alerts 2020 Active
23-FCU-02 Permissible Loan Interest Rate Ceiling Extended Consumer Lending Letters to Federal Credit Unions 2023 Active
19-01 Consumer Financial Protection Bureau Announces Annual Adjustment Under Fair Credit Reporting Act Consumer Lending Consumer Financial Protection Updates 2019 Active
20-RA-08 2020 Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages) Consumer Lending Regulatory Alerts 2020 Active
20-RA-07 CFPB Issues Amendments to Payday, Vehicle Title, and Certain High-Cost Installment Loans Rule Consumer Lending Regulatory Alerts 2020 Active
20-CU-13 Working with Borrowers Affected by the COVID-19 Pandemic Consumer Lending Letters to Credit Unions 2020 Active
20-CU-15 Principles for Making Responsible Small-Dollar Loans Consumer Lending Letters to Credit Unions 2020 Active
19-16 CFPB Issues Exemption Thresholds for 2020 Credit Transactions Consumer Lending Consumer Financial Protection Updates 2019 Active
19-CU-04 Use of Alternative Data in Credit Underwriting Consumer Lending Letters to Credit Unions 2019 Active
19-13 CFPB Announces Adjusted 2020 TILA Fees and Thresholds Consumer Lending Consumer Financial Protection Updates 2019 Active
10-CU-15 Indirect Lending and Appropriate Due Diligence Consumer Lending Letters to Credit Unions 2010 Active
17-CU-03 Prepaid Rule Implementation Delay Consumer Lending Letters to Credit Unions 2017 Active
00-CU-02 Identity Theft Prevention Consumer Protection Letters to Credit Unions 2000 Active
19-09 CFPB Issues Technical Specifications and Resources for Prepaid Product Agreements Consumer Protection Consumer Financial Protection Updates 2019 Active
19-02 Consumer Financial Protection Bureau Announces Asset-size Threshold Adjustments Under HMDA and TILA Consumer Protection Consumer Financial Protection Updates 2019 Active
04-CU-12 Phishing Guidance for Credit Union Members Consumer Protection Letters to Credit Unions 2004 Active
03-CU-12 Fraudulent Newspaper Advertisements, and Websites by Consumer Protection Letters to Credit Unions 2003 Active
04-CU-06 E-Mail and Internet Related Fraudulent Schemes Guidance Consumer Protection Letters to Credit Unions 2004 Active
94-CU-162 Truth-in-Savings Act Compliance Consumer Protection Letters to Credit Unions 1994 Active
05-RA-07 Charitable Contributions and Donations to Storm Victims Consumer Protection Regulatory Alerts 2005 Active
04-RA-07 Controlling the Assault of Non-Solicited Pornography and Marketing Act Consumer Protection Regulatory Alerts 2004 Active
13-RA-04 Garnishment of Accounts Containing Federal Benefit Payments Consumer Protection Regulatory Alerts 2013 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
22-CU-04 Equal Credit Opportunity Act Nondiscrimination Requirements Consumer Protection Letters to Credit Unions 2022 Active
21-RA-07 Equal Credit Opportunity Act (Regulation B) Consumer Protection Regulatory Alerts 2021 Active
19-12 CFPB and FRB Issue Amendments to Regulation CC Consumer Protection Consumer Financial Protection Updates 2019 Active
19-11 CFPB Delays Compliance Date for Underwriting Requirements of the Payday, Vehicle Title, and Certain High-Cost Installment Loans Rule Consumer Protection Consumer Financial Protection Updates 2019 Active
14-FCU-03 Unfair or Deceptive Credit Practices Consumer Protection Letters to Federal Credit Unions 2014 Active
16-CU-04 Member Account Deposit Reconciliation Practices Consumer Protection Letters to Credit Unions 2016 Active
13-CU-08 Reporting Elder Abuse or Financial Exploitation Consumer Protection Letters to Credit Unions 2013 Active
08-CU-24 Identity Theft Red Flags Procedures Consumer Protection Letters to Credit Unions 2008 Active
15-CU-04 Improving the Process for Consumer Complaints Consumer Protection Letters to Credit Unions 2015 Active
08-CU-17 Impact of the Current Mortgage Market on Corporate Credit Unions Corporate Credit Unions Letters to Credit Unions 2008 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
12-CU-03 Temporary Corporate Credit Union Share Guarantee Expires December 31, 2012 Corporate Resolution Program Letters to Credit Unions 2012 Active

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