As credit unions grow larger and more complex, the regulatory framework must keep pace to maintain the strength and stability of the entire credit union system. In our rulemaking, the NCUA responds to these changes and addresses emerging risk.
We also endeavor to reduce the regulatory burden, where appropriate, and provide credit unions with more flexibility to manage their operations, reduce their administrative hurdles, and allow credit unions to better compete in the financial services marketplace.
Federal Credit Union Act (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
The Federal Credit Union Act is the source of authority for all federally chartered credit unions and governs the coverage and terms of insured accounts at all federally insured credit unions.
NCUA's Rules & Regulations (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
Access the current version of the NCUA's Rules and Regulations.
Rulemakings and Proposals for Comment
The NCUA invites the public to submit a comment on any of its proposed rules. Additionally, you can view the agency’s recently approved final rules.
As a public service, and in an effort to help credit unions, lawyers, and others having an interest in the law applicable to federally insured credit unions better understand the statutes and regulations administered by the National Credit Union Administration, the NCUA publishes certain of staff's legal opinions and interpretive letters issued since 1991.
The NCUA reviews all of its regulations every three years. View the list of rules the agency is evaluating this year.
Regulatory Reform Agenda
View the attachments to the NCUA Regulatory Reform Task Force's report and comment on the reform agenda notice.
Interpretive Rulings and Policy Statements
These statements provide guidance and information on issues that affect credit union operations.