Laws and Regulations Reviewed by NCUA

To date, NCUA has enforcement authority over 20 consumer financial protection laws and regulations.

• Children’s Online Privacy Protection Act (Children’s Online Privacy Protection Rule)

• Consumer Leasing Act (Regulation M)

• Electronic Fund Transfers (Regulation E)

• Electronic Signatures in Global and National Commerce Act

• Equal Credit Opportunity Act (Regulation B)

• Availability of Funds and Collection of Checks (Regulation CC)

• Fair Credit Reporting Act (Regulation V)

• Fair Debt Collection Practices Act

• Fair Housing Act

• Home Mortgage Disclosure Act (Regulation C)

• Homeowners Protection Act

• Military Lending Act

• Real Estate Settlement Procedures Act (Regulation X)

• Secure and Fair Enforcement for Mortgage Licensing Act (Regulation G)

• Servicemembers Civil Relief Act

  SCRA gives enforcement authority only to the DOJ. NCUA has enforcement authority only to the extent the FCUA gives NCUA authority to act on any violation of law or regulation.

• Truth-in-Lending Act (Regulation Z)

• Truth-in-Savings Act (NCUA regulation part 707, Truth in Savings)

• Payday Alternative Loans (NCUA regulation § 701.21, Loans to members and lines of credit to members)

• Privacy of Consumer Financial Information (Regulation P)

• Unfair, Deceptive, or Abusive Acts or Practices

The Federal Consumer Financial Protection Guide provides the following information for each of the above laws and regulations:

• Overview of the regulation

• Definitions, as applicable

• Associated Risks

• Examination Objectives

• Examination Procedures

• Checklist

Exam staff can refer to these sections for more detail on a particular regulation.

NCUA does not have primary statutory or regulatory authority at FISCUs for some of these laws. See enforcement authorities in the NSPM for a list of regulations where NCUA has primary enforcement authority at FISCUs.

Last updated on June 05, 2023