Consumer Compliance Regulatory Resources | National Credit Union Administration

This webpage presents information about compliance with consumer lending and deposit laws and regulations, including those arising out of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The webpage provides access to NCUA Regulatory Alerts, Supervisory Letters, webinars and quick reference guides, as well as to Consumer Financial Protection Bureau's rules, compliance guides, and other federal resources. Direct any questions to the Division of Consumer Compliance Policy and Outreach in NCUA's Office of Consumer Financial Protection at compliancemail@ncua.gov.

Federal Consumer Financial Protection Guide

This guidance is provided as a resource to help you comply with statutory and regulatory compliance. It includes NCUA and interagency examination procedures. The guidance 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 it covers most federal consumer protection laws and regulations that affect credit unions, it does not address all federal laws or any state laws. More

Consumer Financial Protection Updates

Consumer Financial Protection Updates announce new activity on consumer compliance laws, regulations and guidance. They briefly describe the action taken and provide links to relevant materials. Through these updates, the NCUA’s Office of Consumer Financial Protection helps keep credit unions up to date on the most recent amendments and regulatory changes.

Consumer Protection Updates
Number	Title
20-04	DOD Amends MLA Interpretive Rule
20-03	Submission of 2019 Home Mortgage Disclosure Act Data
20-02	HMDA Data Collection Requirements for Calendar Year 2020
20-01	CFPB Announces Adjusted 2020 Asset-Size Threshold Exemption Under Regulation Z

Recently Added Resources

HMDA Filing Instruction Guide for HMDA Data Collected in 2021 (opens new window)

CFPB Truth in Lending (Regulation Z) Annual Threshold Adjustments (CARD Act. HOEPA, and ATR/QM) (Effective Jan. 1, 2021) (opens new window)

CFPB Payday, Vehicle Title, and Certain High-Cost Installment Loans—Revocation Rule (Issued July 7, 2020) (opens new window)

CFPB Payday Lending Rule Resources (opens new window)

CFPB Consumer Reporting FAQs Related to the CARES Act and the COVID-19 Pandemic (Last updated June 16, 2020) (opens new window)

CFPB Statement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act (Issued April 1, 2020) (opens new window)

This webpage contains general information pertaining to consumer compliance resources. Its content is not intended as a source or substitute for legal or other professional advice. Although we take reasonable measures to ensure that the webpage content is accurate and current, we make no express or implied warranty regarding this content. We expressly disclaim all legal liability and responsibility to anyone who uses or accesses this content. If you require professional advice, contact a qualified professional for assistance.