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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 1 - 60 of 138 Results
Docket # Title Subject Type Year
25-FCU-02 Federal Credit Union Post-Examination Survey Examination Program Letters to Federal Credit Unions 2025
25-CU-03 Exam Scheduling Policy Changes Examination Program Letters to Credit Unions 2025
25-FCU-01 Federal Credit Union Operating Fee Schedule for 2025 Operating Fee Letters to Federal Credit Unions 2025
25-CU-02 Cyber Incident Notification Requirements Update to Letter 23-CU-07 Cybersecurity Letters to Credit Unions 2025
25-CU-01 NCUA’s 2025 Supervisory Priorities Examination Program Letters to Credit Unions 2025
24-CU-03 Consumer Harm Stemming from Certain Overdraft and Non-Sufficient Funds Fee Practices Overdrafts Letters to Credit Unions 2024
24-CU-02 Board of Director Engagement in Cybersecurity Oversight Cybersecurity Letters to Credit Unions 2024
24-FCU-02 Permissible Loan Interest Rate Ceiling Extended Consumer Lending Letters to Federal Credit Unions 2024
23-12 Technical Correction for the CECL Transition Amount Accounting Accounting Bulletins 2023
23-CU-08 Resumption of Federal Student Loan Payments Risk Management Letters to Credit Unions 2023
23-CU-07 Cyber Incident Notification Requirements Cybersecurity Letters to Credit Unions 2023
23-CU-06 Importance of Contingency Funding Plans NCUA Operations/Activities Letters to Credit Unions 2023
23-CU-05 Commercial Real Estate Loan Accommodations and Workouts Member Business Lending Letters to Credit Unions 2023
23-CU-04 Update to Interagency Policy Statement on Allowances for Credit Losses Accounting Letters to Credit Unions 2023
23-CU-02 Expansion of Permissible CUSO Activities and Associated Risks CUSOs Letters to Credit Unions 2023
22-FCU-03 Expiration of Emergency Exemption from Certain In-Person Meeting Requirements Operations Letters to Federal Credit Unions 2022
22-CU-11 NCUA to Begin Phase 3 of Resuming Onsite Operations NCUA Operations/Activities Letters to Credit Unions 2022
22-CU-10 Simplified CECL Tool for Credit Unions industry data Letters to Credit Unions 2022
22-CU-09 Updates to Interest Rate Risk Supervisory Framework Interest Rate Risk Letters to Credit Unions 2022
SL No. 22-01 Updates to Interest Rate Risk Supervisory Framework Interest Rate Risk Supervisory Letters 2022
22-02 Current Expected Credit Losses (CECL) Effective Date for Credit Unions (Revised) Accounting Accounting Bulletins 2022
22-CU-08 Risk-Based Approach to Assessing Customer Relationships and Conducting Customer Due Diligence Risk Management Letters to Credit Unions 2022
22-CU-07 Federally Insured Credit Union Use of Distributed Ledger Technologies Operations Letters to Credit Unions 2022
22-RISK-01 Heightened Risk of Social Engineering and Phishing Attacks Cybersecurity Risk Alerts 2022
22-FCU-02 Final Rule on Definition of Service Facility Field of Membership Letters to Federal Credit Unions 2022
22-CU-05 CAMELS Rating System Examination Program Letters to Credit Unions 2022
22-CU-04 Equal Credit Opportunity Act Nondiscrimination Requirements Consumer Protection Letters to Credit Unions 2022
22-CU-03 Special Purpose Credit Programs Consumer Lending Letters to Credit Unions 2022
21-CU-16 Relationships with Third Parties that Provide Services Related to Digital Assets Digital Assets/Cryptocurrency Letters to Credit Unions 2021
21-CU-15 Automated Cybersecurity Evaluation Toolbox Cybersecurity Letters to Credit Unions 2021
21-CU-12 Internal Revenue Service’s Volunteer Income Tax Assistance Program Collaboration Opportunities Partnerships Letters to Credit Unions 2021
21-RISK-01 Business Email Compromise through Exploitation of Cloud-Based Email Services Cybersecurity Risk Alerts 2021
21-CU-08 Implementation of Modernized Systems NCUA Operations/Activities Letters to Credit Unions 2021
21-CU-07 Capitalization of Unpaid Interest Consumer Lending Letters to Credit Unions 2021
21-CU-06 NCUA to Implement Phase One of Resuming Onsite Operations NCUA Operations/Activities Letters to Credit Unions 2021
21-CU-05 Interagency Statement on the Issuance of the Anti-Money Laundering/Countering the Financing of Terrorism National Priorities BSA/AML Letters to Credit Unions 2021
21-FCU-03 Underserved Area Expansions Chartering/Field of Membership Letters to Federal Credit Unions 2021
21-FCU-01 Community Charter Conversions and Expansions Field of Membership Letters to Federal Credit Unions 2021
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
20-CU-21 Field of Membership - Rural Districts Chartering/Field of Membership Letters to Credit Unions 2020
20-CU-19 Additional Guidance Regarding Servicing Hemp-Related Businesses BSA/AML Letters to Credit Unions 2020
20-CU-16 Low-Income Designations: Qualification of Military Personnel Chartering/Field of Membership Letters to Credit Unions 2020
20-CU-15 Principles for Making Responsible Small-Dollar Loans Consumer Lending Letters to Credit Unions 2020
20-CU-08 Enhancements to Central Liquidity Facility Membership and Borrowing Authority Central Liquidity Facility Letters to Credit Unions 2020
20-RISK-01 Cybersecurity Considerations for Remote Work Cybersecurity Risk Alerts 2020
19-CU-04 Use of Alternative Data in Credit Underwriting Consumer Lending Letters to Credit Unions 2019
18-CU-04 Sharing Bank Secrecy Act Resources BSA/AML Letters to Credit Unions 2018
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
18-CU-03 Merger Rule Provisions Including the Member-to-Member (MTM) Communications Process Mergers Letters to Credit Unions 2018
SL No. 17-02 Examiner Guidance for Institutions Affected by a Major Disaster Business Continuity Supervisory Letters 2017
17-CU-08 Interagency Supervisory Guidance for Institutions Affected by a Major Disaster Business Continuity Letters to Credit Unions 2017
17-CU-05 Frequently Asked Questions on the New Accounting Standard on Financial Instruments Credit Losses Accounting Letters to Credit Unions 2017
17-CU-04 FFIEC Uniform HMDA Resubmission Guidelines HMDA Letters to Credit Unions 2017
17-CU-03 Prepaid Rule Implementation Delay Consumer Lending Letters to Credit Unions 2017
SL No. 17-01 Evaluating Compliance Risk - Updated Compliance Risk Indicators Examination Program Supervisory Letters 2017
16-CU-13 Frequently Asked Questions on the New Accounting Standard on Financial Instruments Credit Losses Accounting Letters to Credit Unions 2016
16-CU-07 Military Lending Act Examination Approach Military Lending/Service Members Letters to Credit Unions 2016
SL No. 16-01 CDFI-Certified Credit Union Supervision Examination Program Supervisory Letters 2016
2016-01 Employee Benefit Plans Employee Benefit Plans Letters to Corporate Credit Unions 2016
16-CU-04 Member Account Deposit Reconciliation Practices Consumer Protection Letters to Credit Unions 2016
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