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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 61 - 120 of 138 Results
Docket # Title Subject Type Year
SL No. 15-03 Fixed Asset Management fixed assets Supervisory Letters 2015
SL No. 15-02 Associational Common Bond Updates Field of Membership Supervisory Letters 2015
15-FCU-03 How to Add Associations to Your Field of Membership Chartering/Field of Membership Letters to Federal Credit Unions 2015
15-CU-04 Improving the Process for Consumer Complaints Consumer Protection Letters to Credit Unions 2015
15-CU-03 Taxi Medallion Lending Questions and Answers Taxi Medallions Letters to Credit Unions 2015
15-CU-02 Private Student Loans with Graduated Repayment Terms at Loan Origination Student Loans Letters to Credit Unions 2015
SL No. 14-05 Money Services Businesses BSA/AML 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
14-FCU-03 Unfair or Deceptive Credit Practices Consumer Protection Letters to Federal Credit Unions 2014
14-CU-08 Home Equity Lines of Credit Nearing Their End-of-Draw Period Mortgage Lending Letters to Credit Unions 2014
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
SL No. 14-03 Liquidity and Contingency Funding Plans Liquidity Risk Supervisory Letters 2014
SL No. 14-01 CFPB’s Ability-to-Repay and Qualified Mortgage Rule Mortgage Lending Supervisory Letters 2014
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
SL No. 13-12 Enterprise Risk Management (ERM) Risk Management Supervisory Letters 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
N/A Interagency Supervisory Guidance Addressing Certain Issues Related to Troubled Debt Restructurings Troubled Debt Restructuring Supervisory Letters 2013
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
SL No. 13-04 Supervision Guidance on Loan Participation Waivers Participations Supervisory Letters 2013
13-CU-08 Reporting Elder Abuse or Financial Exploitation Consumer Protection Letters to Credit Unions 2013
13-CU-07 Loan Participation Waivers Participations Letters to Credit Unions 2013
13-FCU-03 Potential Violations of Common Bond Advertising Requirements Chartering/Field of Membership Letters to Federal Credit Unions 2013
2013-02 Implementing Section 704.21 – Enterprise Risk Management Risk Management Letters to Corporate Credit Unions 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. 13-02 Examiner Review of Loan Workouts, Nonaccruals and Regulatory Reporting of Troubled Debt Restructured Loans Troubled Debt Restructuring Supervisory Letters 2013
13-FCU-02 2013 Fair Lending Examination Program and Compliance Assistance Examination Program Letters to Federal Credit Unions 2013
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
12-CU-07 Mortgage Servicing Practices Impacting Military Homeowner Military Lending/Service Members Letters to Credit Unions 2012
11-CU-04 Financial Education and Financial Literacy Initiative Financial Literacy Letters to Credit Unions 2011
11-CU-05 Planning and Preparedness for a Potential Government Shutdown Operations Letters to Federal Credit Unions 2011
10-CU-23 Best Practices in Real Estate Appraisals Appraisals Letters to Credit Unions 2010
10-FCU-03 Sales of Nondeposit Investments Investments Letters to Federal Credit Unions 2010
10-CU-16 Reverse Mortgages Mortgage Lending Letters to Credit Unions 2010
10-CU-15 Indirect Lending and Appropriate Due Diligence Consumer Lending Letters to Credit Unions 2010
10-CU-14 Strengthening Funding and Liquidity Risk Management Liquidity Risk Letters to Credit Unions 2010
10-01 Interagency Supervisory Guidance on Bargain Purchases And FDIC- and NCUA-Assisted Acquisitions Accounting Accounting Bulletins 2010
10-CU-11 Information on NCUAs Merger and Purchase Assumption Process Mergers Letters to Credit Unions 2010
10-CU-08 Guidance for National Flood Insurance Program Authority Lapses Flood Insurance Letters to Credit Unions 2010
10-CU-06 Interagency Advisory on Interest Rate Risk Management Interest Rate Risk Letters to Credit Unions 2010
N/A Concentration Risk Concentration Risk Supervisory Letters 2010
N/A Current Risks in Business Lending and Sound Risk Management Practices Member Business Lending Supervisory Letters 2010
N/A Supervising Low Income Credit Unions and Community Development Credit Unions Examination Program Supervisory Letters 2010
10-RA-03 Interagency Guidance on Conducting Cross-Border Funds Transfers Payments Regulatory Alerts 2010
10-CU-01 Supervising Low Income Credit Unions and Community Development Credit Unions Examination Program Letters to Credit Unions 2010
SL No. 09-03 Reviewing Adequacy of Earnings Examination Program Supervisory Letters 2009
09-CU-21 Official NCUA Sign Share Insurance Letters to Credit Unions 2009
09-CU-16 Guidance on Acceptance of California Warrants Investments Letters to Credit Unions 2009
N/A Evaluating Residential Real Estate Mortgage Loan Modification Programs Mortgage Lending Supervisory Letters 2009
SL No. 09-01 Supervision Considerations for Natural Person Credit Unions and the Announced Corporate Stabilization Efforts Corporate Resolution Program Supervisory Letters 2009
09-FCU-03 Membership Data Collection Examination Program Letters to Federal Credit Unions 2009
N/A Evaluating Loan Participation Programs Participations Supervisory Letters 2008
08-CU-23 Central Liquidity Facility Central Liquidity Facility Letters to Credit Unions 2008
08-CU-13 Environmental Liability Risk Management Guidance Risk Management Letters to Credit Unions 2008
07-CU-13 Evaluating Third Party Relationships Third Parties Letters to Credit Unions 2007
08-CU-01 Guidance on Pandemic Planning Business Continuity Letters to Credit Unions 2007
07-FCU-02 Reincorporating Federal Credit Union Bylaws into NCUA Rules and Regulations Bylaws Letters to Federal Credit Unions 2007
SL No. 07-01 Evaluating Third Party Relationships Third Parties Supervisory Letters 2007
07-CU-09 Subprime Mortgage Lending Mortgage Lending Letters to Credit Unions 2007