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Federal law and NCUA regulations require federally chartered credit unions to have bylaws. These bylaws provide a framework for the operation and management of a credit union. They address a broad range of matters concerning a credit union's organization and governance, the relationship of the credit union to its members, and the procedures and rules a credit union follows.

If the need arises, a credit union can request bylaw amendments. To do that, send a request to the Office of Credit Union Resources and Expansion at Include in your request:

  • The section of the bylaws to be amended;
  • The reason why the amendment is desired or necessary;
  • What the proposed amendment will accomplish for the credit union; and
  • The proposed wording of the amendment.

The NCUA is posting this version of the federal credit union standard bylaws as a public service and in an effort to help credit unions and others that are establishing or reviewing their bylaws.  It is the responsibility of the user to ensure their bylaws comply with the NCUA’s regulatory requirements and that they follow the appropriate process for requesting bylaw amendments.

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