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Rules and Regulations

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, NCUA strives to respond to these changes and address emerging risk.

We also strive to reduce the regulatory burden, where appropriate, and provide credit unions with more flexibility to manage their operations, reduce administrative hurdles and allow credit unions to better compete in the financial services marketplace.

Federal Credit Union Act

The Federal Credit Union Act also 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. More

NCUA Rules & Regulations

Access the current version of NCUA's Rules and Regulations. More

Regulatory Review

NCUA reviews all of its regulations every three years. View the list of rules the agency is evaluating this year. More

Proposed Regulations

NCUA invites the public to submit a comment on any of its proposed rules. More

Recent Final Regulations

View the agency’s recently approved final rules. More

Interpretive Rulings and Policy Statements

These statements provide guidance and information on issues that affect credit union operations. More

NCUA's Federal Register Filings

Review the latest NCUA rules, notices and other filings posted in the Federal Register.  More 

Administrative Orders

NCUA issues Administrative Orders when it finds that a credit union or persons affiliated with a credit union have violated a law, a rule or regulation, or engaged in an unsafe or unsound practice. More

Legal Opinions

Our Office of General Counsel provides interpretations of the Federal Credit Union Act, the agency's rules and regulations, and other Board directives. Review our opinions going back to 1991. More

Federal Credit Union Bylaws

Access the latest version of Bylaws that provide a framework for the operations and management of federal credit unions. More

Additional Resources

Consumer Financial Protection Bureau

Board of Governors of the Federal Reserve System