Skip to main content
United States flag An official website of the United States government
Official websites use .gov
A .gov website belongs to an official government organization in the United States.
Secure .gov websites use HTTPS
A lock () or https:// means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
Show

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 404 Results
Docket # Title Subject Type Year Status
08-CU-26 Evaluating Loan Participation Programs Participations Letters to Credit Unions 2008 Active
05-CU-03 Overdraft Protection Bounce Protection Programs Overdrafts Letters to Credit Unions 2005 Active
05-CU-21 Overdraft Courtesy Pay Programs Overdrafts Letters to Credit Unions 2005 Active
10-RA-12 Member Notice Requirements for Overdraft Services Overdrafts Regulatory Alerts 2010 Active
20-RA-01 Other Supervisory Committee Audits Other Supervisory Committee Audits Regulatory Alerts 2020 Active
99-CU-17 Guidance for Credit Unions that Use More than One Name Operations Letters to Credit Unions 1999 Active
97-CU-09 Withdrawal of IRPS Operations Letters to Credit Unions 1997 Active
82-CU-66 Repurchase Agreements Operations Letters to Credit Unions 1982 Active
22-CU-07 Federally Insured Credit Union Use of Distributed Ledger Technologies Operations Letters to Credit Unions 2022 Active
21-FCU-06 Federal Credit Union Meeting Flexibility in 2022 Due to the COVID-19 Pandemic Operations Letters to Federal Credit Unions 2021 Inactive
22-FCU-03 Expiration of Emergency Exemption from Certain In-Person Meeting Requirements Operations Letters to Federal Credit Unions 2022 Active
20-CU-03 Identification of Essential Critical Infrastructure Workers During COVID-19 Operations Letters to Credit Unions 2020 Active
20-CU-02 NCUA Actions Related to COVID-19 Operations Letters to Credit Unions 2020 Inactive
20-FCU-02 NCUA Actions Related to COVID-19 – Annual Meeting Flexibility Operations Letters to Federal Credit Unions 2020 Inactive
08-CU-25 Credit Unions Holding Foreclosed Properties as Foreclosed and Repossessed Assets FRA Operations Letters to Credit Unions 2008 Active
2007-01 Payout of Retained Earnings in Conjunction with Corporate Credit union Mergers. Operations Letters to Corporate Credit Unions 2007 Active
18-FCU-03 Operating Fee Schedule Adjusted for 2019 Operating Fee Letters to Federal Credit Unions 2018 Active
22-FCU-01 Operating Fee Schedule Adjusted for 2022 Operating Fee Letters to Federal Credit Unions 2022 Active
21-FCU-02 Operating Fee Schedule Adjusted for 2021 Operating Fee Letters to Federal Credit Unions 2021 Active
23-FCU-01 Federal Credit Union Operating Fee Schedule for 2023 Operating Fee Letters to Federal Credit Unions 2023 Active
20-FCU-01 Operating Fee Schedule Adjusted for 2020 Operating Fee Letters to Federal Credit Unions 2020 Active
18-FCU-01 Operating Fee Scale Adjusted for 2018 Operating Fee Letters to Federal Credit Unions 2018 Active
12-FCU-01 Operating Fee Scale Reduced for FY 2012 Operating Fee Letters to Federal Credit Unions 2012 Active
24-FCU-01 Federal Credit Union Operating Fee Schedule for 2024 Operating Fee Letters to Federal Credit Unions 2024 Active
04-CU-07 NCUAs Express Subscription Service NCUA Operations/Activities Letters to Credit Unions 2004 Active
22-CU-11 NCUA to Begin Phase 3 of Resuming Onsite Operations NCUA Operations/Activities Letters to Credit Unions 2022 Active
22-CU-06 NCUA to Begin Phase 2 of Resuming Onsite Operations NCUA Operations/Activities Letters to Credit Unions 2022 Inactive
21-CU-06 NCUA to Implement Phase One of Resuming Onsite Operations NCUA Operations/Activities Letters to Credit Unions 2021 Active
21-CU-08 Implementation of Modernized Systems NCUA Operations/Activities Letters to Credit Unions 2021 Active
20-CU-20 Phased Approach to On-site Operations NCUA Operations/Activities Letters to Credit Unions 2020 Inactive
19-CU-03 Voluntary Credit Union Diversity Self-Assessment NCUA Operations/Activities Letters to Credit Unions 2019 Active
08-CU-11 NCUA Website Enhancements Fraud Information Center NCUA Operations/Activities Letters to Credit Unions 2008 Active
23-CU-06 Importance of Contingency Funding Plans NCUA Operations/Activities Letters to Credit Unions 2023 Active
SL No. 14-01 CFPB’s Ability-to-Repay and Qualified Mortgage Rule Mortgage Lending Supervisory Letters 2014 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
N/A Evaluating Residential Real Estate Mortgage Loan Modification Programs Mortgage Lending Supervisory Letters 2009 Active
05-CU-07 Managing Risks Associated with Home Equity Lending Mortgage Lending Letters to Credit Unions 2005 Active
05-CU-12 Frequently Asked Questions on Residential Tract Development Lending Mortgage Lending Letters to Credit Unions 2005 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
91-CU-120 Interest Rate Adjustment Errors for ARM Loans Mortgage Lending Letters to Credit Unions 1991 Active
91-CU-124 Real Estate Secured Credit by Credit Union Members Mortgage Lending Letters to Credit Unions 1991 Active
99-CU-12 Real Estate Lending and Balance Sheet Risk Management Mortgage Lending Letters to Credit Unions 1999 Active
14-RA-02 New Homeownership Counseling and Consumer Protection Requirements from CFPB Mortgage Lending Regulatory Alerts 2014 Active
14-RA-01 Ability-To-Repay and Qualified Mortgage Requirements from the Consumer Financial Protection Bureau (CFPB) Mortgage Lending Regulatory Alerts 2014 Active
13-RA-05 New Escrow Requirements under the Truth in Lending Act Mortgage Lending Regulatory Alerts 2013 Active
14-RA-09 Updated Ability-To-Repay and Qualified Mortgage Requirements from the Consumer Financial Protection Bureau (CFPB) Mortgage Lending Regulatory Alerts 2014 Active
10-RA-10 Potential Risks of Property Assessed Clean Energy Loans Mortgage Lending Regulatory Alerts 2010 Active
17-RA-01 2016 Mortgage Servicing Rule Fair Debt Collection Practices Act Interpretive Rule Mortgage Lending Regulatory Alerts 2017 Active
22-RA-03 2022 Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold Mortgage Lending Regulatory Alerts 2022 Active
21-RA-08 CFPB Amends Mortgage Servicing Requirements for Borrowers Affected by the COVID-19 Emergency Mortgage Lending Regulatory Alerts 2021 Inactive
21-RA-06 CFPB Delays Mandatory Compliance Date of General Qualified Mortgage (QM) Final Rule Under Truth in Lending Act Mortgage Lending Regulatory Alerts 2021 Active
21-RA-02 CFPB Publishes 2021 Threshold Adjustments Under Regulation C, Regulation Z and Regulation V Mortgage Lending Regulatory Alerts 2021 Active
21-RA-01 CFPB Amends Ability-to-Repay/Qualified Mortgage Rule under Truth in Lending Act Mortgage Lending Regulatory Alerts 2021 Active
21-RA-05 CFPB Rule Expands Exemption from Establishing Escrow Accounts for Higher-Priced Mortgage Loans Mortgage Lending Regulatory Alerts 2021 Active
20-RA-03 Consumer Financial Protection Bureau Issues Interpretive Rule on Waiver of TRID and TILA Waiting Periods Mortgage Lending Regulatory Alerts 2020 Inactive
19-17 CFPB Issues Correction to Final Rule on Adjusted 2020 HOEPA Threshold Mortgage Lending Consumer Financial Protection Updates 2019 Active
10-CU-16 Reverse Mortgages Mortgage Lending Letters to Credit Unions 2010 Active
11-CU-01 Residential Mortgage Foreclosure Concerns Mortgage Lending Letters to Credit Unions 2011 Active

The NCUA is committed to providing an excellent user experience to all individuals, including persons with disabilities. If you require an accommodation to access information on or to use this website, contact us to request one. Please visit the NCUA's Accessibility Statement for additional information.