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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 121 - 180 of 398 Results
Docket # Title Subject Type Year Status
14-CU-08 Home Equity Lines of Credit Nearing Their End-of-Draw Period Mortgage Lending Letters to Credit Unions 2014 Active
08-CU-19 Third-Party Relationships: Mortgage Brokers and Correspondents Mortgage Lending Letters to Credit Unions 2008 Active
08-CU-14 Consumer Information for Hybrid Adjustable Rate Mortgage Products Mortgage Lending Letters to Credit Unions 2008 Active
09-CU-04 Making Home Affordable: A Program for Mortgage Mortgage Lending Letters to Credit Unions 2009 Active
09-CU-19 Evaluating Residential Real Estate Mortgage Loan Modification Programs Mortgage Lending Letters to Credit Unions 2009 Active
16-RA-06 Department of Defenses Interpretive Guidance on Military Lending Act Limitations on Terms of Consumer Credit Extended to Service Members and Dependents Military Lending/Service Members Regulatory Alerts 2016 Active
16-RA-04 Guidance on Regulatory Changes Affecting Military Members Military Lending/Service Members Regulatory Alerts 2016 Active
15-RA-04 Regulatory Changes Affecting Military Members Military Lending/Service Members Regulatory Alerts 2015 Active
12-CU-07 Mortgage Servicing Practices Impacting Military Homeowner Military Lending/Service Members Letters to Credit Unions 2012 Active
16-CU-07 Military Lending Act Examination Approach Military Lending/Service Members Letters to Credit Unions 2016 Active
10-CU-22 NCUA’s Merger Partner Registry Mergers Letters to Credit Unions 2010 Active
18-CU-03 Merger Rule Provisions Including the Member-to-Member (MTM) Communications Process Mergers Letters to Credit Unions 2018 Active
10-CU-11 Information on NCUAs Merger and Purchase Assumption Process Mergers Letters to Credit Unions 2010 Active
N/A Current Risks in Business Lending and Sound Risk Management Practices Member Business Lending 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
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
01-RA-09 Use of Consumer Credit Reports for Business Loans Member Business Lending Regulatory Alerts 2001 Active
23-CU-05 Commercial Real Estate Loan Accommodations and Workouts Member Business Lending Letters to Credit Unions 2023 Active
20-CU-11 Regulatory Treatment for Paycheck Protection Program Loans Member Business Lending Letters to Credit Unions 2020 Inactive
10-CU-07 Commercial Real Estate Loan Workouts Member Business Lending Letters to Credit Unions 2010 Active
SL No. 14-03 Liquidity and Contingency Funding Plans Liquidity Risk Supervisory Letters 2014 Active
00-CU-14 Liquidity and Balance Sheet Risk Management Liquidity Risk Letters to Credit Unions 2000 Active
02-CU-05 Examination Program Liquidity Questionnaire Liquidity Risk Letters to Credit Unions 2002 Active
03-CU-11 Non-Maturity Shares and Balance Sheet Risk Liquidity Risk Letters to Credit Unions 2003 Active
10-CU-14 Strengthening Funding and Liquidity Risk Management Liquidity Risk Letters to Credit Unions 2010 Active
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 Active
98-CU-16 The Credit Union Membership Access Act of 1998 Legislation Letters to Credit Unions 1998 Active
21-CU-01 Summary of the Consolidated Appropriations Act, 2021 Legislation Letters to Credit Unions 2021 Active
20-CU-07 Summary of the Coronavirus Aid, Relief, and Economic Security (CARES) Act Legislation Letters to Credit Unions 2020 Active
00-CU-05 Investments in Brokered Certificates of Deposits Investments Letters to Credit Unions 2000 Active
04-CU-04 Investment Safekeeping Due Diligence Investments Letters to Credit Unions 2004 Active
92-CU-139 Collateralized Mortgage Obligations (CMOs) Investments Letters to Credit Unions 1992 Active
88-CU-96 Privately Issued Mortgage Related Securities Investments Letters to Credit Unions 1988 Active
94-CU-155 Credit Union Investment in Mutual Funds Investments Letters to Credit Unions 1994 Active
94-CU-157 Selection and Use of Brokers (HYM) Investments Letters to Credit Unions 1994 Active
93-CU-146 Yields on assets Investments Letters to Credit Unions 1993 Active
95-CU-169 Collateralized Mortgage Obligations (CMOs) and Real Estate Mortgage Investment Conduits (REMICs) Investments Letters to Credit Unions 1995 Active
85-CU-79 Mutual Funds Investments Letters to Credit Unions 1985 Active
81-CU-54 Cautions to be Taken in Making Investments in Federal Funds Market Transactions Investments Letters to Credit Unions 1981 Active
81-CU-57 Diversification in the Investment Portfolio Investments Letters to Credit Unions 1981 Active
81-CU-60 Deregulation of Share, Share Draft, and Share Certificate Accounts Investments Letters to Credit Unions 1981 Active
10-CU-18 Investment Due Diligence Investments Letters to Credit Unions 2010 Active
13-CU-05 Guidance Investing in Securities without Reliance on Credit Ratings Investments Letters to Credit Unions 2013 Active
09-CU-16 Guidance on Acceptance of California Warrants Investments Letters to Credit Unions 2009 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
SL No. 22-01 Updates to Interest Rate Risk Supervisory Framework Interest Rate Risk Supervisory Letters 2022 Active
22-CU-09 Updates to Interest Rate Risk Supervisory Framework Interest Rate Risk Letters to Credit Unions 2022 Active
16-CU-08 Revised Interest Rate Risk Supervision Interest Rate Risk Letters to Credit Unions 2016 Active
10-CU-06 Interagency Advisory on Interest Rate Risk Management Interest Rate Risk Letters to Credit Unions 2010 Active
22-CU-10 Simplified CECL Tool for Credit Unions industry data Letters to Credit Unions 2022 Active
19-10 FFIEC Issues 2019 Home Mortgage Disclosure Act (HMDA) Getting it Right Guide HMDA 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
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
02-RA-06 Home Mortgage Disclosure Act Data Reporting Additions HMDA Regulatory Alerts 2002 Active
17-RA-03 Submission of 2016 Home Mortgage Disclosure Act Data HMDA Regulatory Alerts 2017 Active
17-RA-02 Home Mortgage Disclosure Act Data Collection Requirements for Calendar Year 2017 HMDA Regulatory Alerts 2017 Active
16-RA-01 Home Mortgage Disclosure Act (HMDA) Data Collection Requirements for Calendar Year 2016 HMDA Regulatory Alerts 2016 Active

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