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NCUA Compliance Self-Assessment Guide
This guide is intended for use by a credit union’s board of directors and management,
compliance officers, and others having responsibility for compliance as part of
their duties. While the guide covers most federal consumer protection laws and regulations
that affect credit unions, it does not address all federal laws or any state laws.
This guide is divided into five sections: Overviews, Review Considerations, Checklists,
Glossaries, and Miscellaneous.
While the content of this guide was carefully reviewed for applicability and accuracy,
changes occur in the wording and interpretation of consumer compliance regulations.
If a situation arises where this guide becomes inconsistent with the provisions
of applicable laws or regulations, the requirement of the law or regulation will
prevail.
Changes to the Compliance Self Assessment Guide:
Following the initial printing of the Compliance Self Assessment Guide, changes
will only be posted to the electronic version.
NCUA Compliance Self Assessment Guide as of 3/15/05 (PDF
1.77 MB)
The following sections of the Compilance Self Assessment Guide have been grouped
by regulation. Each section has a zip file of PDFs.
Compliance Self Assessment Guide
Introduction -
- Table of Contents
- Using This Guide
- Key Elements of an Effective Compliance Review Program
Bank Secrecy Act - (zip 256 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
Children's Online Privacy Protection Act- (zip
124 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
Credit Practice Rule - (zip 93 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
E-sign - (zip 92 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
Fair Credit Reporting Act - (zip 149 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
Fair Debt Collection Practices Act - (zip 101 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
Fair Housing Act - (zip 105 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
Holder in Due Course
(Preservation of Consumer Claims and Defenses) - (zip
90 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
Homeowner's Protection Act - (zip 134
KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
Management Officials Interlocks - (zip
84 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
National Flood Insurance Act / Flood Disaster Protection Act - (zip
129 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
Privacy of Consumer Financial Information - (zip
153 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
Records Retention - (zip 93 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
Servicemembers' Civil Relief Act - (zip 73
KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
B: Equal Credit Opportunity Act (Regulation B) - (zip 165
KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
C: Home Mortgage Disclosure Act (Regulation C) - (zip 107
KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
D: Reserves on Transaction Accounts (Regulation D) - (zip
123 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
E: Electronic Funds Transfer Act (Regulation E) - (zip 141
KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
M: Consumer Leasing (Regulation M) - (zip 115 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
S: Reimbursement for Providing Financial Records
(Regulation S) - (zip 86 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
U: Credit by Bank or Persons other than Brokers or Dealers for the Purpose of Purchasing
or Carrying Margin Stocks (Regulation U) - (zip 112 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
X: Real Estate Settlement Procedures Act (Regulation X) - (zip
171 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
Z: Truth in Lending Act (Regulation Z) - (zip 254 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
CC: Expedited Funds Availability (Regulation CC) - (zip
194 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
- Miscellaneous: CC: Expedited Funds Availability
DD: Truth in Savings (Regulation DD) - (zip 162 KB)
- Overview and Operational Requirements of Laws and Regulations
- Review Considerations
- Checklists
- Glossaries / Definitions
If you have questions that are not addressed in the Compliance Self Assessment Guide,
you may call the Regional Office in the region where the credit union is located.
Contact information can be found by following the "Contact Us" link below.