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.

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Letters to Credit Unions and Other Guidance search results
Docket #	Title	Subject	Type	Year	Status
08-CU-24	Identity Theft Red Flags Procedures	Consumer Protection	Letters to Credit Unions	2008	Active
15-CU-04	Improving the Process for Consumer Complaints	Consumer Protection	Letters to Credit Unions	2015	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
04-CU-13	Specialized Lending Activities	Consumer Lending	Letters to Credit Unions	2004	Active
22-CU-03	Special Purpose Credit Programs	Consumer Lending	Letters to Credit Unions	2022	Active
21-RA-10	2022 Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages)	Consumer Lending	Regulatory Alerts	2021	Active
21-RA-09	CFPB Issues New Specifications for its Collect Website Relating to Credit Card Data Submission	Consumer Lending	Regulatory Alerts	2021	Active
21-FCU-04	Permissible Loan Interest Rate Ceiling Extended	Consumer Lending	Letters to Federal Credit Unions	2021	Active
21-CU-07	Capitalization of Unpaid Interest	Consumer Lending	Letters to Credit Unions	2021	Active
20-RA-09	2021 Exemption Thresholds Adjustments Under the Truth in Lending Act (Regulation Z) and the Consumer Leasing Act	Consumer Lending	Regulatory Alerts	2020	Active
23-FCU-02	Permissible Loan Interest Rate Ceiling Extended	Consumer Lending	Letters to Federal Credit Unions	2023	Active
19-01	Consumer Financial Protection Bureau Announces Annual Adjustment Under Fair Credit Reporting Act	Consumer Lending	Consumer Financial Protection Updates	2019	Active
20-RA-08	2020 Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages)	Consumer Lending	Regulatory Alerts	2020	Active
20-RA-07	CFPB Issues Amendments to Payday, Vehicle Title, and Certain High-Cost Installment Loans Rule	Consumer Lending	Regulatory Alerts	2020	Active
20-CU-13	Working with Borrowers Affected by the COVID-19 Pandemic	Consumer Lending	Letters to Credit Unions	2020	Active
20-CU-15	Principles for Making Responsible Small-Dollar Loans	Consumer Lending	Letters to Credit Unions	2020	Active
19-16	CFPB Issues Exemption Thresholds for 2020 Credit Transactions	Consumer Lending	Consumer Financial Protection Updates	2019	Active
19-CU-04	Use of Alternative Data in Credit Underwriting	Consumer Lending	Letters to Credit Unions	2019	Active
19-13	CFPB Announces Adjusted 2020 TILA Fees and Thresholds	Consumer Lending	Consumer Financial Protection Updates	2019	Active
10-CU-15	Indirect Lending and Appropriate Due Diligence	Consumer Lending	Letters to Credit Unions	2010	Active
17-CU-03	Prepaid Rule Implementation Delay	Consumer Lending	Letters to Credit Unions	2017	Active
N/A	Concentration Risk	Concentration Risk	Supervisory Letters	2010	Active
10-CU-03	Concentration Risk	Concentration Risk	Letters to Credit Unions	2010	Active
21-FCU-03	Underserved Area Expansions	Chartering/Field of Membership	Letters to Federal Credit Unions	2021	Active
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	Active
20-CU-21	Field of Membership - Rural Districts	Chartering/Field of Membership	Letters to Credit Unions	2020	Active
20-CU-16	Low-Income Designations: Qualification of Military Personnel	Chartering/Field of Membership	Letters to Credit Unions	2020	Active
15-FCU-03	How to Add Associations to Your Field of Membership	Chartering/Field of Membership	Letters to Federal Credit Unions	2015	Active
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	Active
13-FCU-03	Potential Violations of Common Bond Advertising Requirements	Chartering/Field of Membership	Letters to Federal Credit Unions	2013	Active
20-CU-14	Establishment of CLF Agent Memberships	Central Liquidity Facility	Letters to Credit Unions	2020	Inactive
20-CU-08	Enhancements to Central Liquidity Facility Membership and Borrowing Authority	Central Liquidity Facility	Letters to Credit Unions	2020	Active
08-CU-23	Central Liquidity Facility	Central Liquidity Facility	Letters to Credit Unions	2008	Active
SL No. 14-05	Capital Planning Under NCUA Rules & Regulations §702 Subpart E for Credit Unions with Assets of $10 Billion or More	Capital Planning	Supervisory Letters	2014	Active
21-CU-13	Subordinated Debt Final Rule Effective January 1, 2022	Capital Planning	Letters to Credit Unions	2021	Active
21-CU-11	Emergency Capital Investment Program Participation	Capital Planning	Letters to Credit Unions	2021	Active
21-CU-04	Renewal of Prompt Corrective Action Relief	Capital Planning	Letters to Credit Unions	2021	Inactive
19-CU-02	Guidance to NCUA Staff on Evaluating Secondary Capital Plans	Capital Planning	Letters to Credit Unions	2019	Active
SL No. 19-01	Evaluating Secondary Capital Plans	Capital Planning	Supervisory Letters	2019	Active
07-FCU-02	Reincorporating Federal Credit Union Bylaws into NCUA Rules and Regulations	Bylaws	Letters to Federal Credit Unions	2007	Active
20-FCU-04	Federal Credit Union Meeting Flexibility During the COVID-19 Pandemic	Bylaws	Letters to Federal Credit Unions	2020	Inactive
SL No. 17-02	Examiner Guidance for Institutions Affected by a Major Disaster	Business Continuity	Supervisory Letters	2017	Active
06-RISK-01	Disaster Planning and Response	Business Continuity	Risk Alerts	2006	Active
06-CU-12	Disaster Preparedness Response Examination Procedures	Business Continuity	Letters to Credit Unions	2006	Active
97-CU-03	Coporate Business Resumption And Contingency Planning	Business Continuity	Letters to Credit Unions	1997	Active
08-CU-01	Guidance on Pandemic Planning	Business Continuity	Letters to Credit Unions	2007	Active
17-CU-08	Interagency Supervisory Guidance for Institutions Affected by a Major Disaster	Business Continuity	Letters to Credit Unions	2017	Active
2004-04	Business Continuity Guidance Letter	Business Continuity	Letters to Corporate Credit Unions	2004	Active
2004-05	Business Continuity Planning and Business Critical Processes	Business Continuity	Letters to Corporate Credit Unions	2004	Active
SL No. 14-05	Money Services Businesses	BSA/AML	Supervisory Letters	2014	Active
SL No. 18-01	Bank Secrecy Act Customer Due Diligence and Beneficial Ownership Rules	BSA/AML	Supervisory Letters	2018	Active
05-CU-09	Bank Secrecy Act Compliance	BSA/AML	Letters to Credit Unions	2005	Active
95-CU-163	Sanctions Against Select Foreign Countries	BSA/AML	Letters to Credit Unions	1995	Active
87-CU-90	Recordkeeping and Reporting Requirements under the Bank Secrecy Act	BSA/AML	Letters to Credit Unions	1987	Active
85-CU-78	Currency and Foreign Transaction Reporting Act	BSA/AML	Letters to Credit Unions	1985	Active
08-RA-03	Guidance on Filing Suspicious Activity Reports Regarding the Proceeds of Foreign Corruption	BSA/AML	Regulatory Alerts	2008	Active
20-CU-19	Additional Guidance Regarding Servicing Hemp-Related Businesses	BSA/AML	Letters to Credit Unions	2020	Active
19-RA-02	Serving Hemp Businesses	BSA/AML	Regulatory Alerts	2019	Active
08-CU-12	Suspected Money Laundering in the Residential Real Estate Industry Report	BSA/AML	Letters to Credit Unions	2008	Active
18-CU-04	Sharing Bank Secrecy Act Resources	BSA/AML	Letters to Credit Unions	2018	Active

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