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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 61 - 120 of 398 Results
Docket # Title Subject Type Year Status
01-CU-20 Due Diligence Over Third Party Service Providers Third Parties Letters to Credit Unions 2001 Active
00-CU-02 Identity Theft Prevention Consumer Protection Letters to Credit Unions 2000 Active
00-CU-05 Investments in Brokered Certificates of Deposits Investments Letters to Credit Unions 2000 Active
19-09 CFPB Issues Technical Specifications and Resources for Prepaid Product Agreements Consumer Protection Consumer Financial Protection Updates 2019 Active
19-08 CFPB Releases Small Entity Compliance Guide Summarizing the Payday, Vehicle Title, and Certain High-Cost Installment Loans Rule Consumer Lending Consumer Financial Protection Updates 2019 Active
19-07 CFPB Publishes 2019 Lists of Rural and Underserved Counties and Updates Website Tool Mortgage Lending Consumer Financial Protection Updates 2019 Active
19-06 CFPB Releases FAQs for Complying with TRID Rule Change Mortgage Lending Consumer Financial Protection Updates 2019 Active
19-10 FFIEC Issues 2019 Home Mortgage Disclosure Act (HMDA) Getting it Right Guide HMDA Consumer Financial Protection Updates 2019 Active
SL No. 06-01 Evaluating Earnings Examination Program Supervisory Letters 2006 Active
SL No. 07-01 Evaluating Third Party Relationships Third Parties Supervisory Letters 2007 Active
N/A Evaluating Loan Participation Programs Participations Supervisory Letters 2008 Active
SL No. 09-01 Supervision Considerations for Natural Person Credit Unions and the Announced Corporate Stabilization Efforts Corporate Resolution Program Supervisory Letters 2009 Active
N/A Evaluating Residential Real Estate Mortgage Loan Modification Programs Mortgage Lending Supervisory Letters 2009 Active
SL No. 09-03 Reviewing Adequacy of Earnings Examination Program Supervisory Letters 2009 Active
N/A Supervising Low Income Credit Unions and Community Development Credit Unions Examination Program Supervisory Letters 2010 Active
N/A Current Risks in Business Lending and Sound Risk Management Practices Member Business Lending Supervisory Letters 2010 Active
N/A Concentration Risk Concentration Risk Supervisory Letters 2010 Active
N/A Evaluating Credit Union Requests for Waivers of Provisions in NCUA Rules and Regulations Part 723, Member Business Loans (MBLs) Member Business Lending Supervisory Letters 2013 Active
19-02 Consumer Financial Protection Bureau Announces Asset-size Threshold Adjustments Under HMDA and TILA Consumer Protection Consumer Financial Protection Updates 2019 Active
19-04 Submission of 2018 Home Mortgage Disclosure Act Data HMDA Consumer Financial Protection Updates 2019 Active
19-03 Home Mortgage Disclosure Act Data Collection Requirements for Calendar Year 2019 HMDA Consumer Financial Protection Updates 2019 Active
03-FCU-06 Debt Cancellation and Suspension Programs Examination Program Letters to Federal Credit Unions 2003 Active
07-FCU-02 Reincorporating Federal Credit Union Bylaws into NCUA Rules and Regulations Bylaws Letters to Federal Credit Unions 2007 Active
06-FCU-02 Measuring Service to Members Examination Program Letters to Federal Credit Unions 2006 Active
06-FCU-04 Evaluation of Earnings Examination Program Letters to Federal Credit Unions 2006 Active
05-FCU-02 Tax Consequences of Payment of Travel Expenses for FCU Volunteer Officials and Their Guests Tax Exemption Letters to Federal Credit Unions 2005 Active
05-CU-06 Frequently Asked Questions on Independent Appraisal and Evaluation Functions Appraisals Letters to Credit Unions 2005 Active
05-CU-07 Managing Risks Associated with Home Equity Lending Mortgage Lending Letters to Credit Unions 2005 Active
05-CU-09 Bank Secrecy Act Compliance BSA/AML Letters to Credit Unions 2005 Active
03-CU-15 Real Estate Concentrations and Interest Rate Risk Management for Credit Unions with Large Positions in Fixed-Rate Mortgage Portfolios Interest Rate Risk Letters to Credit Unions 2003 Active
03-CU-17 Independent Appraisal and Evaluation Functions for Appraisals Letters to Credit Unions 2003 Active
05-CU-12 Frequently Asked Questions on Residential Tract Development Lending Mortgage Lending Letters to Credit Unions 2005 Active
06-CU-18 Revisions to the Official NCUA Sign Share Insurance Letters to Credit Unions 2006 Active
05-CU-01 Supervising Community Development Credit Unions Examination Program Letters to Credit Unions 2005 Active
04-CU-01 Small Business Administration Loans Member Business Lending Letters to Credit Unions 2004 Active
04-CU-10 Items to Consider When Underwriting Member Member Business Lending Letters to Credit Unions 2004 Active
04-CU-12 Phishing Guidance for Credit Union Members Consumer Protection Letters to Credit Unions 2004 Active
04-CU-13 Specialized Lending Activities Consumer Lending Letters to Credit Unions 2004 Active
03-CU-11 Non-Maturity Shares and Balance Sheet Risk Liquidity Risk Letters to Credit Unions 2003 Active
03-CU-12 Fraudulent Newspaper Advertisements, and Websites by Consumer Protection Letters to Credit Unions 2003 Active
03-CU-01 Loan Charge-off Guidance Accounting Letters to Credit Unions 2003 Active
03-CU-05 Expanded AIRES Loan and Share Record Layout Examination Program Letters to Credit Unions 2003 Active
04-CU-04 Investment Safekeeping Due Diligence Investments Letters to Credit Unions 2004 Active
04-CU-06 E-Mail and Internet Related Fraudulent Schemes Guidance Consumer Protection Letters to Credit Unions 2004 Active
04-CU-07 NCUAs Express Subscription Service NCUA Operations/Activities Letters to Credit Unions 2004 Active
05-RISK-02 Raising Consumer Awareness of Phishing Schemes Cybersecurity Risk Alerts 2005 Active
06-RISK-01 Disaster Planning and Response Business Continuity Risk Alerts 2006 Active
19-05 CFPB Issues Reference Tool for 2019 HMDA Data Collection HMDA Consumer Financial Protection Updates 2019 Active
18-01 Information about the Bureau of Consumer Financial Protection’s 2018 HMDA Interpretive and Procedural Rule HMDA Consumer Financial Protection Updates 2018 Active
06-CU-12 Disaster Preparedness Response Examination Procedures Business Continuity Letters to Credit Unions 2006 Active
06-CU-16 Interagency Guidance on Nontraditional Mortgage Product Risk Mortgage Lending Letters to Credit Unions 2006 Active
07-CU-09 Subprime Mortgage Lending Mortgage Lending Letters to Credit Unions 2007 Active
07-CU-13 Evaluating Third Party Relationships Third Parties Letters to Credit Unions 2007 Active
02-FCU-09 Risk-Focused Examination Program Examination Program Letters to Federal Credit Unions 2002 Active
01-FCU-06 Financial Education Curriculum Financial Literacy Letters to Federal Credit Unions 2001 Active
99-CU-17 Guidance for Credit Unions that Use More than One Name Operations Letters to Credit Unions 1999 Active
98-CU-01 Year 2000 Bridge Programs and Interfacing Y2K Letters to Credit Unions 1998 Active
92-CU-130 Changes in Interest Rates During Examinations Examination Program Letters to Credit Unions 1992 Active
92-CU-139 Collateralized Mortgage Obligations (CMOs) Investments Letters to Credit Unions 1992 Active
91-CU-120 Interest Rate Adjustment Errors for ARM Loans Mortgage Lending Letters to Credit Unions 1991 Active

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