Federal Regulatory Advocacy

Credit unions are subject to state and federal regulations that govern the full range of their operations. In addition to the two primary credit union regulatory bodies, credit unions must be well informed about the regulations promulgated by a wide variety of other governmental organizations. The Association goes far beyond reporting on new initiatives by taking a proactive role in assisting credit unions to work with regulators to build a regulatory environment that will benefit and protect credit unions and their members. Anticipating regulatory change, promoting dialogue between credit unions and regulators, interpreting existing regulation, and acting as an advocate for credit unions in regulatory forums are vital services delivered by the Association.



CCUA and MD | DC CUA Joint Letter to NCUA on Delaying Risk-Based Capital Implementation and Raising Asset Thresholds - June 27, 2018

CUNA's Regulatory Advocacy website provides access to recently finalized regulatory changes affecting credit unions. Use of this site is free to all member credit unions, however, a password and user name is required. To register, visit CUNA's registration page.

CUNA White Paper on NCUSIF 12-14-2016

Comment Letter: CCUA Comment Letter_Incentive-Based Compensation Arrangements Proposal_7-22-16
Comment Letter: NCUA Comment Letter_OTR & Operating Schedule 04-26-2016
Comment Letter: NCUA 2017-2021 Strategic Plan 04/04/2016
NCUA Commentary Private Bonds 01/15/2016


Summary of Proposed Changes to Modernize NCUA's Field of Membership Rule 11-19-15
CUNA Field of Membership Recommendations   
Association Common Bond Comment Letter 063015


Final RBC Rule Estimator
Final RBC Rule FAQ
Final RBC Rule Impact Analysis
Final RBC Rule Slides
Final RBC Rule Comparison to Revised Proposal
Final RBC Rule Estimator Spreadsheet
Final RBC Rule Risk Weights at a Glance

CUNA's Regulatory Comment Calls

CUNA's Regulatory Comment Call website provides access to proposed regulations affecting credit unions. The site contains a chart of proposed regulations with due dates for comment letters and links to the appropriate proposal. The site provides a summary of each proposal and questions to consider regarding the proposal.

NCUA Comment Letter on regulatory review pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996 092315
Association MBL Comment Letter Part 723 to NCUA 083115
CUNA Comment Letter on MBL 082515
CUNA Summary of MBL Comments 082515
CUNA MBL Slide Deck 082115
Association Letter - NCUA - Evaluate Return to an 18 Month Exam Cycle 081915
NCUA Response to Gentile Letter Calling for Return to an 18 Month Exam Cycle 091015


NCUA CUSO Authority Letter 080615
Warren Amendment 080615
Association Comment Letter - NCUA Regulatory Review 2015
Massachusetts Commissioner of Banks - Opinion Letter 2003
Association Comment Letter - CFPB Integrated Disclosures 070715

Not a Member? Register. | Forgot Password?