An official website of the United States government

News Español Contact Us

About
About
Created by the U.S. Congress in 1970, the National Credit Union Administration is an independent federal agency that insures deposits at federally insured credit unions, protects the members who own credit unions, and charters and regulates federal credit unions.
Regulation & Supervision
Regulation & Supervision
The NCUA protects the safety and soundness of the credit union system by identifying, monitoring and reducing risks to the National Credit Union Share Insurance Fund. Backed by the full faith and credit of the United States, the Share Insurance Fund provides up to $250,000 of federal share insurance to millions of account holders in all federal credit unions and the overwhelming majority of state-chartered credit unions.
Analysis
Analysis
The NCUA’s economists and analysts compile data on the credit union system’s financial performance, merger activity, changes in credit union chartering and fields of membership, as well as broader economic trends affecting credit unions. Users can find information on a single credit union or analyze broader nation-wide trends.
Support Services
Support Services
The NCUA provides a number of support services to the credit union system, such as providing training, grants and loans, chartering, and field-of-membership services; maintaining the health and stability of Share Insurance Fund; managing the assets of failed credit unions; and providing emergency liquidity.
Consumers
Consumers
The NCUA works to protect credit union members and consumers, raise awareness of potential frauds, facilitate access to affordable financial services, and educate consumers on the importance of savings and how they can improve their financial well-being.
News
News
Stay up to date on the NCUA's activities by subscribing to the NCUA's Express messages. Read press releases, speeches, testimony, and Annual Reports. Register for upcoming conferences and events.
Cybersecurity Resources
Cybersecurity Resources
Cyberattacks and cybersecurity vulnerabilities pose significant risks to the financial system. Because of vulnerabilities within the credit union industry and the broader financial system to potential cyberattacks, cybersecurity is one of the NCUA’s top supervisory priorities and a top-tier risk under the agency’s enterprise risk-management program.

Service Member Lending and Credit Resources

Department of Defense Military Lending Act Limitations on Terms of Consumer Credit Extended to Service Members and Dependents Interpretive Rule Amendment (published Feb. 28, 2020)

VA Circular 26-19-5 – Change 1 – VA-Guaranteed Cash-Out Refinancing Home Loans (AQ42) (Feb. 15, 2019)

VA Circular 26-19-5, VA-Guaranteed Cash-Out Refinancing Home Loans (AQ42) (Feb. 14, 2019)

Additional Information About the Amended Interpretive Guidance on Military Lending Act Regulation (Dated Jan. 18, 2018)

Department of Defense Military Lending Act Limitations on Terms of Consumer Credit Extended to Service Members and Dependents Interpretive Rule Amendment (Published in the Federal Register on Dec. 14, 2017)

CFPB Student Loan Action Guide for Service Members and Veterans (Issued Jan. 9, 2017)

Letter to Credit Unions 16-CU-07, Military Lending Act Examination Approach (October 2016)

Regulatory Alert 16-RA-06: Regulatory Alert Announces Interpretive Guidance for Regulation on Lending to Service Members (September 2016)

Department of Defense Military Lending Act Limitations on Terms of Consumer Credit Extended to Service Members and Dependents Interpretive Rule (published in the Federal Register on Aug. 26, 2016)

Preparing to Comply with Regulatory Changes to the Military Lending Act Webinar (June 29, 2016)

Regulatory Alert 16-RA-04: Guidance on Regulatory Changes Affecting Military Members (March 2016)

Service Members Civil Relief Act

Regulatory Alert 15-RA-04: Regulatory Changes Affecting Military Members (October 2015)

Military Lending Act (DoD Regulation), Limitation on Terms of Consumer Credit Extended to Service Members and Dependents

HUD Servicemembers and Civil Relief Act Notice Disclosure (Exp. 3/31/2021)

Evaluating LIBOR Transition Plans
This letter provides guidance on the discontinuance of the London Inter-Bank Offered Rate (LIBOR) that will assist examiners’ assessment of a credit…
NCUA’s 2021 Supervisory Priorities
This letter outlines the NCUA’s supervisory priorities for 2021, and it will assist you in preparing for your next NCUA examination.
Underserved Area Expansions
Any federal credit union with a multiple common bond field of membership may include in its field of membership, without regard to location,…
Summary of the Consolidated Appropriations Act, 2021
This letter provides information about the provisions of the Consolidated Appropriations Act, 2021 that directly affect credit unions and their…

Last modified on

01/07/22