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Legal Opinion Letters
The Office of General Counsel (OGC) provides NCUA with legal advice and opinions
on matters of law. It also provides the public with interpretations of the
Federal Credit Union Act, NCUA regulations, and other NCUA Board directives.
This section of the website contains legal opinions issued to the public by OGC
since 1991, organized by year. You can identify opinion letters by their individually
assigned numbers and subject headings. You can also use the website’s search
function to retrieve opinion letters by topic. A few of the letters are outdated
or have been superseded by subsequent opinions and changes in the law but are included
because they may be helpful for historical research.
This website offers many resources for credit unions and the public when they have
questions about the Federal Credit Union Act
and NCUA Rules and Regulations,
such as NCUA Interpretive Rulings and Policy Statements,
Letters to Credit Unions,
Regulatory Alerts and OGC Opinions. Agency decisions on appeals
under the Freedom of Information Act
are located in the section of this website devoted to FOIA. This website also
contains OGC opinions on nonstandard bylaw amendments in the
Federal Credit Union Bylaws section.
If you have a legal question that is not addressed in any of the guidance listed
above, you may request assistance from OGC. You may call OGC at (703) 518-6540
or send an e-mail to ogcmail@ncua.gov.
If you send an e-mail, please include a daytime telephone number. You may
also request a written legal opinion from OGC. OGC will respond to your request
in writing if your request involves a new or substantial question of law or policy
and you have provided sufficient information and analysis regarding the issue you
want OGC to address.
If your question involves a consumer complaint, please call the
Regional Office in the region where the credit union is located.