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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
SL No. 13-02 Examiner Review of Loan Workouts, Nonaccruals and Regulatory Reporting of Troubled Debt Restructured Loans Troubled Debt Restructuring Supervisory Letters 2013
N/A Interagency Supervisory Guidance Addressing Certain Issues Related to Troubled Debt Restructurings Troubled Debt Restructuring Supervisory Letters 2013
SL No. 07-01 Evaluating Third Party Relationships Third Parties Supervisory Letters 2007
07-CU-13 Evaluating Third Party Relationships Third Parties Letters to Credit Unions 2007
01-CU-20 Due Diligence Over Third Party Service Providers Third Parties Letters to Credit Unions 2001
SL No. 14-04 Taxi Medallion Lending Taxi Medallions Supervisory Letters 2014
14-CU-06 Taxi Medallion Lending Taxi Medallions Letters to Credit Unions 2014
15-CU-03 Taxi Medallion Lending Questions and Answers Taxi Medallions Letters to Credit Unions 2015
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
SL No. 13-13 Private Student Loans Student Loans Supervisory Letters 2013
13-CU-15 Supervisory Guidance on Private Student Loans Student Loans Letters to Credit Unions 2013
15-CU-02 Private Student Loans with Graduated Repayment Terms at Loan Origination Student Loans Letters to Credit Unions 2015
06-CU-18 Revisions to the Official NCUA Sign Share Insurance Letters to Credit Unions 2006
09-CU-21 Official NCUA Sign Share Insurance Letters to Credit Unions 2009
22-CU-08 Risk-Based Approach to Assessing Customer Relationships and Conducting Customer Due Diligence Risk Management Letters to Credit Unions 2022
SL No. 13-03 Investing in Securities without Reliance on Nationally Recognized Statistical Rating Organizations (NRSRO) Ratings Risk Management Supervisory Letters 2013
SL No. 13-12 Enterprise Risk Management (ERM) Risk Management Supervisory Letters 2013
2013-02 Implementing Section 704.21 – Enterprise Risk Management Risk Management Letters to Corporate Credit Unions 2013
13-CU-12 Guidance on How to Comply with NCUA Regulation 74112 Liquidity and Contingency Funding Plans Risk Management Letters to Credit Unions 2013
08-CU-13 Environmental Liability Risk Management Guidance Risk Management Letters to Credit Unions 2008
23-CU-08 Resumption of Federal Student Loan Payments Risk Management Letters to Credit Unions 2023
10-RA-03 Interagency Guidance on Conducting Cross-Border Funds Transfers Payments Regulatory Alerts 2010
21-CU-12 Internal Revenue Service’s Volunteer Income Tax Assistance Program Collaboration Opportunities Partnerships Letters to Credit Unions 2021
N/A Evaluating Loan Participation Programs Participations Supervisory Letters 2008
SL No. 13-04 Supervision Guidance on Loan Participation Waivers Participations Supervisory Letters 2013
13-CU-07 Loan Participation Waivers Participations Letters to Credit Unions 2013
05-CU-03 Overdraft Protection Bounce Protection Programs Overdrafts Letters to Credit Unions 2005
05-CU-21 Overdraft Courtesy Pay Programs Overdrafts Letters to Credit Unions 2005
24-CU-03 Consumer Harm Stemming from Certain Overdraft and Non-Sufficient Funds Fee Practices Overdrafts Letters to Credit Unions 2024
22-CU-07 Federally Insured Credit Union Use of Distributed Ledger Technologies Operations 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
99-CU-17 Guidance for Credit Unions that Use More than One Name Operations Letters to Credit Unions 1999
11-CU-05 Planning and Preparedness for a Potential Government Shutdown Operations Letters to Federal Credit Unions 2011
25-FCU-01 Federal Credit Union Operating Fee Schedule for 2025 Operating Fee Letters to Federal Credit Unions 2025
23-CU-06 Importance of Contingency Funding Plans NCUA Operations/Activities Letters to Credit Unions 2023
22-CU-11 NCUA to Begin Phase 3 of Resuming Onsite Operations NCUA Operations/Activities Letters to 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-08 Implementation of Modernized Systems NCUA Operations/Activities Letters to Credit Unions 2021
04-CU-07 NCUAs Express Subscription Service NCUA Operations/Activities Letters to Credit Unions 2004
N/A Evaluating Residential Real Estate Mortgage Loan Modification Programs Mortgage Lending Supervisory Letters 2009
SL No. 14-01 CFPB’s Ability-to-Repay and Qualified Mortgage Rule Mortgage Lending Supervisory Letters 2014
07-CU-09 Subprime Mortgage Lending Mortgage Lending Letters to Credit Unions 2007
06-CU-16 Interagency Guidance on Nontraditional Mortgage Product Risk Mortgage Lending Letters to Credit Unions 2006
05-CU-07 Managing Risks Associated with Home Equity Lending Mortgage Lending Letters to Credit Unions 2005
05-CU-12 Frequently Asked Questions on Residential Tract Development Lending Mortgage Lending Letters to Credit Unions 2005
14-CU-08 Home Equity Lines of Credit Nearing Their End-of-Draw Period Mortgage Lending Letters to Credit Unions 2014
10-CU-16 Reverse Mortgages Mortgage Lending Letters to Credit Unions 2010
12-CU-07 Mortgage Servicing Practices Impacting Military Homeowner Military Lending/Service Members Letters to Credit Unions 2012
16-CU-07 Military Lending Act Examination Approach Military Lending/Service Members Letters to Credit Unions 2016
10-CU-11 Information on NCUAs Merger and Purchase Assumption Process Mergers Letters to Credit Unions 2010
18-CU-03 Merger Rule Provisions Including the Member-to-Member (MTM) Communications Process Mergers Letters to Credit Unions 2018
23-CU-05 Commercial Real Estate Loan Accommodations and Workouts Member Business Lending Letters to Credit Unions 2023
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. 14-03 Liquidity and Contingency Funding Plans Liquidity Risk Supervisory Letters 2014
13-CU-10 Guidance on How to Comply with NCUA Regulation §741.12 Liquidity and Contingency Funding Plans Liquidity Risk Letters to Credit Unions 2013
10-CU-14 Strengthening Funding and Liquidity Risk Management Liquidity Risk Letters to Credit Unions 2010
09-CU-16 Guidance on Acceptance of California Warrants Investments Letters to Credit Unions 2009
10-FCU-03 Sales of Nondeposit Investments Investments Letters to Federal Credit Unions 2010
22-CU-09 Updates to Interest Rate Risk Supervisory Framework Interest Rate Risk Letters to Credit Unions 2022
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