Regulation and Supervision

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The NCUA’s mission is to ensure the nation’s system of cooperative credit remains safe and sound. To achieve this, the agency’s examination program focuses on risks to the broader system and the National Credit Union Share Insurance Fund. Through the NCUA’s rule making process, it is creating a modern regulatory framework that allows for innovation and flexibility, while still maintaining a safe and sound credit unions system.

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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 a host of regulatory and supervisor matters, trends affecting federally insured credit unions, and potential risks and threats. Users can search Letters to Credit Unions and other supervisory guidance by year issued, subject, title and keywords.

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Legal Opinions

In an effort to help credit unions, lawyers, and others that have an interest in the laws and regulations that apply to federally insured credit unions, the NCUA publishes certain of staff's legal opinions and interpretive letters issued since 1991. Users can search these by year, subject, title and keywords.

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Rules and Regulations

Access the current version of the NCUA's Rules and Regulations and the Federal Credit Union Act, along with the agency’s proposed, pending and final rules, and Interpretive Rulings and Policy Statements.

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Regulatory and Compliance Resources

The NCUA has put together comprehensive resource centers on such topics as risk-based capital, consumer and fair lending compliance, cybersecurity, BSA/AML compliance, and capital planning and stress testing.

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Enforcement Actions

In working to protect the credit union system and the Share Insurance Fund from losses, the NCUA employs several supervisory tools and enforcement actions depending on the severity of the situation.

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Supervisory Review Committee

The NCUA's policy is to maintain good communication with all the credit unions it supervises. Should disagreements and issues remain unresolved, the Supervisory Review Committee and other appeal processes are available for certain disputes.

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Corporate Credit Unions

Corporate credit unions act as a “credit union for credit unions” by providing a number of financial services for consumer credit unions. These institutions can access regulatory information on mergers, credit union service organizations, examinations and other essential regulatory information.

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Regulatory Reporting

Access the NCUA's online applications for credit unions to manage and submit their Call Report and Credit Union Profile data, as well as critical regulatory filings and information.

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Manuals and Guides

These manuals, forms and resources provide guidance to credit unions to help them comply with the NCUA’s Rules and Regulations and those from other agencies.

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Examination Modernization Initiatives

The NCUA has several initiatives in process to improve and modernize how the agency conducts examinations and supervision.

Last modified on
09/08/20