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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.
  • 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
23-CU-05 Commercial Real Estate Loan Accommodations and Workouts Member Business Lending 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-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-CU-08 Risk-Based Approach to Assessing Customer Relationships and Conducting Customer Due Diligence Risk Management 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
22-CU-07 Federally Insured Credit Union Use of Distributed Ledger Technologies Operations Letters to Credit Unions 2022
22-02 Current Expected Credit Losses (CECL) Effective Date for Credit Unions (Revised) Accounting Accounting Bulletins 2022
22-CU-11 NCUA to Begin Phase 3 of Resuming Onsite Operations NCUA Operations/Activities Letters to Credit Unions 2022
22-FCU-03 Expiration of Emergency Exemption from Certain In-Person Meeting Requirements Operations Letters to Federal Credit Unions 2022
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-CU-08 Implementation of Modernized Systems NCUA Operations/Activities 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
SL No. 15-03 Fixed Asset Management fixed assets Supervisory Letters 2015
20-CU-16 Low-Income Designations: Qualification of Military Personnel Chartering/Field of Membership Letters to 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-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
19-CU-04 Use of Alternative Data in Credit Underwriting Consumer Lending Letters to Credit Unions 2019
SL No. 06-01 Evaluating Earnings Examination Program Supervisory Letters 2006
SL No. 07-01 Evaluating Third Party Relationships Third Parties Supervisory Letters 2007
N/A Evaluating Loan Participation Programs Participations Supervisory Letters 2008
22-CU-05 CAMELS Rating System Examination Program 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
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
N/A Current Risks in Business Lending and Sound Risk Management Practices Member Business Lending Supervisory Letters 2010
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
SL No. 14-04 Taxi Medallion Lending Taxi Medallions Supervisory Letters 2014
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
SL No. 13-02 Examiner Review of Loan Workouts, Nonaccruals and Regulatory Reporting of Troubled Debt Restructured Loans Troubled Debt Restructuring Supervisory Letters 2013
SL No. 13-03 Investing in Securities without Reliance on Nationally Recognized Statistical Rating Organizations (NRSRO) Ratings Risk Management Supervisory Letters 2013
SL No. 13-04 Supervision Guidance on Loan Participation Waivers Participations Supervisory Letters 2013
SL No. 14-05 Money Services Businesses BSA/AML Supervisory Letters 2014
SL No. 15-02 Associational Common Bond Updates Field of Membership Supervisory Letters 2015
SL No. 16-01 CDFI-Certified Credit Union Supervision Examination Program Supervisory Letters 2016
SL No. 17-02 Examiner Guidance for Institutions Affected by a Major Disaster Business Continuity Supervisory Letters 2017
SL No. 09-01 Supervision Considerations for Natural Person Credit Unions and the Announced Corporate Stabilization Efforts Corporate Resolution Program Supervisory Letters 2009
N/A Evaluating Residential Real Estate Mortgage Loan Modification Programs Mortgage Lending Supervisory Letters 2009
SL No. 09-03 Reviewing Adequacy of Earnings Examination Program Supervisory Letters 2009
N/A Supervising Low Income Credit Unions and Community Development Credit Unions Examination Program Supervisory Letters 2010
SL No. 13-13 Private Student Loans Student Loans Supervisory Letters 2013
SL No. 14-01 CFPB’s Ability-to-Repay and Qualified Mortgage Rule Mortgage Lending Supervisory Letters 2014
SL No. 14-03 Liquidity and Contingency Funding Plans Liquidity Risk Supervisory Letters 2014
N/A Interagency Supervisory Guidance Addressing Certain Issues Related to Troubled Debt Restructurings Troubled Debt Restructuring Supervisory Letters 2013
SL No. 13-12 Enterprise Risk Management (ERM) Risk Management Supervisory Letters 2013
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
07-CU-09 Subprime Mortgage Lending Mortgage Lending Letters to Credit Unions 2007
07-CU-13 Evaluating Third Party Relationships Third Parties Letters to Credit Unions 2007
06-CU-16 Interagency Guidance on Nontraditional Mortgage Product Risk Mortgage Lending Letters to Credit Unions 2006
06-CU-18 Revisions to the Official NCUA Sign Share Insurance Letters to Credit Unions 2006
05-CU-03 Overdraft Protection Bounce Protection Programs Overdrafts Letters to Credit Unions 2005
05-CU-07 Managing Risks Associated with Home Equity Lending Mortgage Lending Letters to Credit Unions 2005
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