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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 398 Results
Docket # Title Subject Type Year Status
SL No. 19-01 Evaluating Secondary Capital Plans Capital Planning Supervisory Letters 2019 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
19-RA-02 Serving Hemp Businesses BSA/AML Regulatory Alerts 2019 Active
19-13 CFPB Announces Adjusted 2020 TILA Fees and Thresholds Consumer Lending Consumer Financial Protection Updates 2019 Active
19-RISK-01 Business Email Compromise Fraud Cybersecurity Risk Alerts 2019 Active
19-RA-01 Flood Insurance Alternatives Flood Insurance Regulatory Alerts 2019 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
SL No. 18-01 Bank Secrecy Act Customer Due Diligence and Beneficial Ownership Rules BSA/AML Supervisory Letters 2018 Active
18-FCU-03 Operating Fee Schedule Adjusted for 2019 Operating Fee Letters to Federal Credit Unions 2018 Active
18-01 Information about the Bureau of Consumer Financial Protection’s 2018 HMDA Interpretive and Procedural Rule HMDA Consumer Financial Protection Updates 2018 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
18-FCU-01 Operating Fee Scale Adjusted for 2018 Operating Fee Letters to Federal Credit Unions 2018 Active
18-CU-04 Sharing Bank Secrecy Act Resources BSA/AML Letters to Credit Unions 2018 Active
18-CU-03 Merger Rule Provisions Including the Member-to-Member (MTM) Communications Process Mergers Letters to Credit Unions 2018 Active
18-CU-02 Examination Guidance for Bank Secrecy Act Customer Due Diligence and Beneficial Ownership Compliance BSA/AML Letters to Credit Unions 2018 Active
18-CU-01 Examination Modernization Initiatives Examination Program Letters to Credit Unions 2018 Inactive
SL No. 17-02 Examiner Guidance for Institutions Affected by a Major Disaster Business Continuity Supervisory Letters 2017 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
17-CU-08 Interagency Supervisory Guidance for Institutions Affected by a Major Disaster Business Continuity Letters to Credit Unions 2017 Active
17-CU-05 Frequently Asked Questions on the New Accounting Standard on Financial Instruments Credit Losses Accounting Letters to Credit Unions 2017 Active
17-CU-04 FFIEC Uniform HMDA Resubmission Guidelines HMDA Letters to Credit Unions 2017 Active
17-CU-03 Prepaid Rule Implementation Delay Consumer Lending Letters to Credit Unions 2017 Active
SL No. 17-01 Evaluating Compliance Risk - Updated Compliance Risk Indicators Examination Program Supervisory Letters 2017 Active
17-CU-02 Risk-Focused Examinations and Compliance Risk Examination Program Letters to Credit Unions 2017 Active
SL No. 16-01 CDFI-Certified Credit Union Supervision Examination Program Supervisory Letters 2016 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
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
16-CU-04 Member Account Deposit Reconciliation Practices Consumer Protection Letters to Credit Unions 2016 Active
16-CU-02 Online CUSO Registry to Open for Registrations in February CUSOs Letters to Credit Unions 2016 Active
16-CU-08 Revised Interest Rate Risk Supervision Interest Rate Risk Letters to Credit Unions 2016 Active
16-CU-07 Military Lending Act Examination Approach Military Lending/Service Members Letters to Credit Unions 2016 Active
16-CU-06 Preparing for Same-Day Automated Clearing House (ACH) Payments Payments Letters to Credit Unions 2016 Active
16-CU-13 Frequently Asked Questions on the New Accounting Standard on Financial Instruments Credit Losses Accounting Letters to Credit Unions 2016 Active
16-CU-12 Risk-Based Examination Scheduling Policy Examination Program Letters to Credit Unions 2016 Inactive
16-CU-10 Projected 2017 Share Insurance Fund Premium and Stabilization Fund Assessment Range Share Insurance Letters to Credit Unions 2016 Active
2016-01 Employee Benefit Plans Employee Benefit Plans Letters to Corporate Credit Unions 2016 Active
SL No. 15-02 Associational Common Bond Updates Field of Membership Supervisory Letters 2015 Active
15-RA-04 Regulatory Changes Affecting Military Members Military Lending/Service Members Regulatory Alerts 2015 Active
SL No. 15-03 Fixed Asset Management fixed assets Supervisory Letters 2015 Active
15-FCU-03 How to Add Associations to Your Field of Membership Chartering/Field of Membership Letters to Federal Credit Unions 2015 Active
15-CU-02 Private Student Loans with Graduated Repayment Terms at Loan Origination Student Loans Letters to Credit Unions 2015 Active
15-CU-03 Taxi Medallion Lending Questions and Answers Taxi Medallions Letters to Credit Unions 2015 Active
15-CU-04 Improving the Process for Consumer Complaints Consumer Protection Letters to Credit Unions 2015 Active
SL No. 14-05 Capital Planning Under NCUA Rules & Regulations §702 Subpart E for Credit Unions with Assets of $10 Billion or More Capital Planning Supervisory Letters 2014 Active
SL No. 14-05 Money Services Businesses BSA/AML Supervisory Letters 2014 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. 14-04 Taxi Medallion Lending Taxi Medallions Supervisory Letters 2014 Active
14-01 Interagency Regulatory Reporting Policy Revised in Relation to Loans that have Previously been Modified in a Troubled Debt Restructuring Accounting Accounting Bulletins 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-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

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