Washington State Department of Financial Institutions

Division of Credit Unions

Bulletins List

2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995

Bulletins notify state-chartered credit unions of current developments in state and federal regulations as well as current business practices.

2014 Bulletins List

 

Number

Title

Date

B-14-01 (PDF)* Bank Secrecy Act Guidance and Exam Procedures January 02, 2014
B-14-02 (PDF)* Compliance Examination Manual January 23, 2014
B-14-03 (PDF)* Final Rule on Reasonable Compensation January 23, 2014
B-14-04 (PDF)* NASCUS WA Directors College, April 30, 2014 February 13, 2014
B-14-05 (PDF)* Formal Hearing on Frequency of Board Meeting Rulemaking February 20, 2014
B-14-06 (PDF)* Examination Focus for 2014 March 03, 2014
B-14-07 (PDF)* Final Rule on the Frequency of Board Meetings April 10, 2014
B-14-08 (PDF)* NASCUS WA Directors College, April 30, 2014 April 10, 2014

 

2013 Bulletins List

 

Number

Title

Date

B-13-01 (PDF)* America Saves Week - February 25 - March 2 February 14, 2013
B-13-02 (PDF)* NASCUS WA Directors College, April 22, 2013 March 1, 2013
B-13-03 (PDF)* WA State Credit Unions as Qualified Public Depositaries May 01, 2013
B-13-04 (PDF)* Stakeholder Meeting on Reasonable Compensation May 17, 2013
B-13-05 (PDF)* Stakeholder Meeting Timeline for Reasonable Compensation Rulemaking June 12, 2013
B-13-06 (PDF)* Public Meeting for Reasonable Compensation Rule-making on June 20, 2013 June 19, 2013
B-13-07 - Revised Bulletin Revised: See: B-13-10 (PDF)*
Revisions to the Washington Credit Union Act
June 28, 2013
B-13-08 (PDF)* Model Bylaws Workgroup July 02, 2013
B-13-09 (PDF)* NASCUS State Summit July 03, 2013
B-13-10 (PDF)* Revisions to the Washington Credit Union Act July 12, 2013
B-13-11 (PDF)* Indirect Manufactured Home Lending July 16, 2013
B-13-12 (PDF)* Model Bylaws Project is on Hold and Thursday, July 18 Teleconference is Canceled July 17, 2013
B-13-13 (PDF)* Stakeholder Meeting on Rulemaking for Reasonable Compensation August 06, 2013
B-13-14 (PDF)* Safe and Sound Implementation of the Low-Income Designation August 23, 2013
B-13-15 (PDF)* Consumer Compliance Examinations September 11, 2013
B-13-16 (PDF)* Meeting Timeline for Frequency of Board Meetings Rulemaking November 06, 2013
B-13-17 (PDF)* Proposed Rule on Reasonable Compensation November 08, 2013
B-13-18 (PDF)* Strategic Planning and Budgeting Guidance November 12, 2013
B-13-19 (PDF)* Stakeholder Meeting on Frequency of Board Meetings November 19, 2013
B-13-20 (PDF)* Formal Hearing on Reasonable Compensation Rulemaking November 22, 2013
B-13-21 (PDF)* Stakeholder Meeting on Frequency of Board Meetings December 23, 2013
B-13-22 (PDF)* Impermissible Advertising for Membership December 30, 2013

 

2012 Bulletins List

 

Number

Title

Date

B-12-01 (PDF)* Investor Education in Your Workplace January 23, 2012
B-12-02 (PDF)* SHB 2255 Reduces Regulatory Burden May 22, 2012
B-12-03 (PDF)* Fall 2012 Investor Education In Your Workplace September 7, 2012
B-12-04 (PDF)* Voting Process to Ensure Member Confidentiality December 7, 2012

 

2011 Bulletins List

 

Number

Title

Date

B-11-01 (PDF)* Registration of Mortgage Loan Originators (MLO) Who Work for Credit Unions February 04, 2011
B-11-02 (PDF)* NMLS Federal Registry Training February 16, 2011
B-11-03 (PDF)* Safe and Sound Student Loan Programs May 17, 2011
B-11-04 - Revised Bulletin Revised: See: B-13-03 (PDF)*
WA State Credit Unions as Qualified Public Depositaries
July 05, 2011
B-11-05 (PDF)* Upcoming CUSO Licensing Deadline Due to the Dodd-Frank Act July 14, 2011

 

2010 Bulletins List

 

Number

Title

Date

B-10-01 Final Rulemaking on Technical Amendment February 24, 2010
B-10-02 ALLL In A Challenging Economy May 18, 2010
B-10-03 Mandated Temporary Layoff Days July 07, 2010
B-10-04 (PDF)* Environmental Risk on OREO Property August 09, 2010
B-10-05 (PDF)* NASCUS Webinar Series for Directors August 30, 2010
B-10-06 (PDF)* OREO Guidance and Best Practices September 9, 2010
B-10-07 (PDF)* New Rulemaking on Assessing Civil Money Fines September 27, 2010
B-10-08 (PDF)* Assessing Civil Money Fines Rulemaking Suspended November 30, 2010

 

2009 Bulletins List

 

Number

Title

Date

B-09-01 Federal Licensing Requirement for Loan Originators in Credit Union Service Organizations (CUSOs) January 16, 2009
B-09-02 Red Flags Rule Compliance April 21, 2009
B-09-03 New Rulemaking and Recommended Approach to OREO Management for Credit Unions April 23, 2009
B-09-04 Stakeholder Teleconference/Meeting Timeline for OREO Rulemaking May 15, 2009
B-09-05 Accreditation for the Division of Credit Unions May 22, 2009
B-09-06 Linking the Testing of Key Information Security Controls to the Risk Assessment August 11, 2009
B-09-07 Formal Hearing On Other Real Estate Owned (OREO) October 05, 2009
B-09-08 Conference On Survive And Thrive: Building Assets, Strengthening Communities October 05, 2009
B-09-09 Reliance on Electronic Images of Loan Documents October 16, 2009
B-09-10 Final Rule on Other Real Estate Owned (OREO) December 10, 2009
B-09-11 Technical Amendment Rulemaking December 15, 2009

 

2008 Bulletins List

 

Number

Title

Date

B-08-01 Teleconference on Credit Union Fee Increase Process February 7, 2008
B-08-02 NASCUS Holding Directors College, August 20, 2008 March 20, 2008
B-08-03 Management of Third Party IT Service Providers March 25, 2008
B-08-04 Conference on Reaching the Underserved May 8, 2008
B-08-05 New Law on Residential Mortgage Lending Practices June 10, 2008
B-08-06 Background Checks and Training for Credit Union Mortgage Employees June 12, 2008
B-08-07 July and August 2008 Meetings on Fee Increase July 02, 2008
B-08-08 Handouts for July 22, 2008 Teleconference on Proposed Fee Increase July 11, 2008
B-08-09 Stakeholder Meeting on Guidance Rule-Making Process July 24, 2008
B-08-10 Formal Hearing On Credit Union Fee Increase August 14, 2008
B-08-11 Guidance on Home Equity Lines of Credit September 11, 2008
B-08-12 Consumer Information about Financial Markets September 29, 2008
B-08-13 Formal CR-102 Hearing on Guidance Rule October 21, 2008
B-08-14 Final Rule On Credit Union Use Of Federal "Guidelines" November, 05, 2008
B-08-15 Final Rule on Residential Mortgage Lending Disclosure Summary November, 06, 2008
B-08-16 Final Rule on the Credit Union Fee Increase December, 12, 2008

 

2007 Bulletins List

 

Number

Title

Date

B-07-01 Meetings Across the State January 31, 2007
B-07-02 Alternative Share Insurance & Draft Regulations February 12, 2007
B-07-03 Richland, WA Added to the Meetings Across the State February 16, 2007
B-07-04 Conference on Reaching Unbanked People March 12, 2007
B-07-05 Alternative Share Insurance Rules for Credit Unions April 6, 2007
B-07-06 Implementing a Commercial Loan Risk Rating System May 1, 2007
B-07-08 New IT Contractor and IT Exam Priorities June 26, 2007
B-07-09 Pandemic Plan Testing Opportunity July 25, 2007
B-07-10 Encrypted E-mail in Use August 02, 2007
B-07-11 Division Sponsoring Conferences on Reaching Un-banked and Under-banked September 17, 2007
B-07-12 Proposed Fee Increase by Fiscal Growth Factor November 19, 2007
B-07-13 Structuring a Member Business Lending Program December 19, 2007

 

2006 Bulletins List

 

Number

Title

Date

B-06-01 Safe & Sound Expansion of MBL Portfolios January 11, 2006
B-06-02 Division begins process to adopt new rules with CR 101 on private insurance July 12, 2006
B-06-03 Corporate governance task force summary July 21, 2006
B-06-04 Division begins examinations of credit union websites July 24, 2006
B-06-05 Division to implement ACH collection of fees August 24, 2006
B-06-06 Examiners to focus on preparedness November 6, 2006
B-06-07 Internal Audit Is Critical November 29, 2006

 

2005 Bulletins List

 

Number

Title

Date

B-05-01 EDPR new IS&T questionnaire starting point February 1, 2005
B-05-02 IRR measurement and strategic planning seminar March 16, 2005
B-05-03 Bank Secrecy Compliance April 1, 2005
B-05-04 Unclaimed Property: What credit unions need to know July 25, 2005
B-05-05 Corporate Governance Models September 12, 2005
B-05-06 Guidance When Data Security Systems are Breached September 22, 2005
B-05-07 - Revised Bulletin Revised: See: B-14-01 (PDF)*
Bank Secrecy Act
September 27, 2005

 

2004 Bulletins List

 

Number

Title

Date

B-04-01 Changes in State's Unclaimed Property Regulations January 5, 2004
B-04-02 IS & T Best Practices January 9, 2004
B-04-03 Overdraft Protection Guidance February 26, 2004
B-04-04 Servicemembers Civil Relief Act March 15, 2004
B-04-05 Board of Directors Examination Questionnaire May 17,2004
B-04-06 Focus on Interest Rate Risk (IRR) Management June 23,2004
B-04-07 Member Business Loans (MBL) July 9,2004
B-04-08 Debt Cancellation Contracts & Debt Suspension Agreements (CANCELLED) July 14,2004
B-04-09 I S & T Exam Modifications July 29,2004
B-04-10 ALM Exam Procedures and Seminar On Interest-Rate Risk August 30, 2004
B-04-11 Loan Participations November 3, 2004

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Division of Credit Unions 2003 Bulletins List

Number

Title

Date

 B-03-01 List of Division Opinions issued in 2002 January 8, 2003
 B-03-02 Director of CU announcement January 13, 2003
 B-03-03 DFI is moving February 21, 2003
 B-03-04 Deposit Brokers and Finders April 2, 2003
 B-03-05 Directors are the Key April 10, 2003
 B-03-06 Virus Vulnerability Alert June 17, 2003
 B-03-07 California Disclosure Law’s Effect on Washington Credit Unions Computer Identity Theft Notice June 23, 2003
 B-03-08 Counterfeit Checks July 9, 2003
 B-03-09 New IS&T contractor and IS&T exam fee waiver July 21, 2003
 B-03-10 Changes to Merger Manual October 2, 2003
 B-03-11 Succession Planning October 3, 2003

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Division of Credit Unions 2002 Bulletins List

Number

Title

Date

B-02-01 List of Division Opinions issued in 2001 January 18, 2002
B-02-02 New reporting requirement concerning new type of unsecured member business loan January 24, 2002
B-02-03 Division finalizes new FOM rule/Division schedules sessions to explain new FOM rules/Division begins rule-making on relief for small credit unions February 13, 2002
B-02-04 Division distributes “clean” version of new FOM rules February 20, 2002
B-02-05 Taking real estate security on personal property loans triggers consumer compliance requirements for real estate loans April 9, 2002
B-02-06 New direct/targeted marketing restriction applies to all state credit unions April 17, 2002
B-02-07 Summary of New Field of Membership (FOM) Rules on Division Web Site May 2, 2002
B-02-08 Division schedules hearing for proposed rule on regulatory relief for small credit unions May 7, 2002
B-02-09 Clarification to Bulletin B-02-08 May 10, 2002
B-02-10 Electronic submission of 5300 reports May 28, 2002
B-02-11 Focus on liquidity June 7, 2002
B-02-12 Fees increase by fiscal growth factor June 11, 2002
B-02-13 New focus on Allowance for Loan and Lease Losses July 3, 2002
B-02-14 Division adopts final rule on regulatory relief for small credit unions July 9, 2002
B-02-15 DCU incorporates review of growth strategy into examination process July 26, 2002
B-02-16 Risk focused exams start in November July 29, 2002
B-02-17 Implementing IRPS 02-3 in Washington State October 1, 2002
B-02-18 Changed ALLL meeting site in Federal Way October 14, 2002
B-02-19 Waived IS&T exam fees December 17, 2002
B-02-20 DCU temporarily reduces asset assessment fees for credit unions under $22 million December 24, 2002

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Division of Credit Unions 2001 Bulletins List

Number

Title

Date

B-01-01 Information Services & Technology Examinations January 3, 2001
B-01-02 NCUA Board Approves Washington MBL Rule January 24, 2001
B-01-03 Division begins process to amend rules to increase assessment and fee rates January 30, 2001
B-01-04 Extended exam cycles February 15, 2001
B-01-05 Division schedules hearing on proposed rule on MBLs February 23, 2001
B-01-06 NCUA issues prohibition order against San Clemente Financial Group Securities, Inc. February 23, 2001
B-01-07 Division Schedules Hearing on Proposed Rule On Increasing Assessments and Fees; Comments Invited on Proposed Rule March 26, 2001
B-01-08 Correction to Bulletin No. B-01-07 (Hearing on Proposed Rule to Increase Assessments April 9, 2001
B-01-09 Division Adopts Final Rule on Member Business Loans May 7, 2001
B-01-10 Distribution of Division opinions; list of Division opinions issued in 1999 and 2000 May 3, 2001
B-01-11 Information systems technology (IS&T) exams beginning July 2, 2001 May 30, 2001
B-01-12 Division adopts final rule increasing assessment and fee rates June 1, 2001
B-01-13 Division issues summary of 2001 (HB 1366) amending Washington state credit union act and Washington state corporate credit union act September 19, 2001
B-01-14 Regulatory Developments Resulting From the September 11 Terrorist Attacks September 27, 2001
B-01-15 Division begins process to amend rules on small credit unions and on field of membership September 28, 2001
B-01-16 Division addresses earnings weakness October 3, 2001
B-01-17 Duplicate of B-01-15  (Rescinded) October 11, 2001
B-01-18 Division Distributes Revised Version of WAC 208-418 October 22, 2001
B-01-19 Division issues opinion regarding credit unions and incidental powers November 2, 2001
B-01-20 Division announces meetings to discuss field of membership rules November 9, 2001
B-01-21 Division distributes information for field of membership meetings November 16, 2001
B-01-22 Summary of Federal Requirements and Requests Relating to Recent Terrorist Attacks; Reporting Required to DCU by January 15, 2002 December 3, 2001
B-01-23 Division schedules hearing on proposed revisions to field of membership rules; comments invited December 18, 2001
B-01-24 Correction to Bulletin concerning hearing time on proposed revisions to Field of Membership rules December 26, 2001

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Division of Credit Unions 2000 Bulletins List

Number

Title

Date

B-00-01 Division discontinues submission of annual meeting of members report January 28, 2000
B-00-02 Interest required on past due accounts beginning July 1, 2000 February 8, 2000
B-00-03 Division begins process to amend rules on commercial arrangements with third parties February 16, 2000
B-00-04 Division hires special counsel; compliance matters March 15, 2000
B-00-05 Division’s summary of PCA March 16, 2000
B-00-06 New look for DCU exam reports March 16, 2000
B-00-07 General ledger treatment of official checks April 4, 2000
B-00-08 Compliance with the Electronic Funds Transfer Act April 12, 2000
B-00-09 Division Contact Information May 19, 2000
B-00-10 Call reports accuracy and timeliness June 14, 2000
B-00-11 Capital under PCA August 1, 2000
B-00-12 Division schedules hearing on rules on commercial arrangements with third parties; comments invited on proposed rules August 2, 2000
B-00-13 Division begins process to adopt member business loan rules August 16, 2000
B-00-14 DFI’s Securities Division adopts final rule on broker-dealer operations at financial institutions September 19, 2000
B-00-15 Interest rate risk September 20, 2000
B-00-16 Division adopts final rule on commercial arrangements October 26, 2000
B-00-17 Rating credit union earnings October 30, 2000
B-00-18 Division increases maximum size of SOG groups to 500 persons October 31, 2000
B-00-19 Division begins process to amend rules on small occupational and associational groups November 1, 2000

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Division of Credit Unions 1999 Bulletins List

Number

Title

Date

B-99-01 Division repeals MBL and appraisal rules January 12, 1999
B-99-02 Y2K Liquidity/currency and communication plans January 14, 1999
B-99-03 List of division opinions and bulletins issued in 1998 January 15, 1999
B-99-04 Y2K meeting with financial institutions February 11, 1999
B-99-05 Completing Y2K testing February 24, 1999
B-99-06 Y2K reporting to the division for March 31, 1999 March 5, 1999
B-99-07 Division of Credit Unions' phone list March 24, 1999
B-99-08 Division Increases Maximum Size of SOG Groups to 200 persons March 25, 1999
B-99-09 Division Files NASCUS Accreditation Application May 14, 1999
B-99-10 Year 2000 Benchmarks and Reporting for June 1999 May 25, 1999
B-99-11 Division Fax Number to Change June 29, 1999
B-99-12 Y2K Reporting by September 30, 1999; Systems Conversion in Remainder of 1999 August 30, 1999
B-99-13 Y2K Testing and Implementation of Upgraded Equifax System September 16, 1999
B-99-14 Credit Unions May Disregard Division Bulletin No. B-99-13 September 22, 1999
B-99-15 Year 2000 Rollover Weekend Contact Numbers Y2K Bulletin November 2, 1999
B-99-16 Investments of Certificates of Deposit November 3, 1999

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Division of Credit Unions 1998 Bulletins List

Number

Title

Date

B-98-1 List of Division Opinions and Bulletins Issued in 1997 January 22, 1998
B-98-2 Distribution of Copies of IRS Form 990-Filed by the Division in ‘95-‘96-’97 (Sent to state-chartered credit unions only) January 23, 1998
B-98-3 Division Distributes Summary of New State Credit Union Act February 24, 1998vv
B-98-4 Year 2000 Compliance Examinations and Quarterly Reports February 12, 1998
B-98-5 Follow-up on IRS Form 990 March 9, 1998
B-98-6 Guidance on DCU’s Year 2000 (Y2K) Quarterly Reports April 2, 1998
B-98-7 DCU examiners achieve salary parity with other divisions May 21, 1998
B-98-8 Division begins rule-making to implement 1997 Credit Union Act and to review rules under Governor’s Executive Order 97-02 June 18, 1998
B-98-9 New DCU rules on prohibited fees and nonpreferential loans take effect June 22, 1998
B-98-10 Reminder on quarterly Year 2000 (Y2K) reports June 24, 1998
B-98-11 List of Division opinions issued in the first half of 1998 July 17, 1998
B-98-12 List of DCU and NCUA guidance on Year 2000 (Y2K) July 8, 1998
B-98-13 Effective date of credit union mergers August 17, 1998
B-98-14 Important points relating to Year 2000 September 18, 1998
B-98-15 Division starts rule-making process to revise MBL rules and repeal real estate appraisal rules November 18, 1998
B-98-16 Year 2000 (Y2K) update #8 December 4, 1998
B-98-17 Division says "Thank You" to 1998 Speakers December 17, 1998
B-98-18 Governor’s Y2K request for CEO contacts December 29, 1998

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Division of Credit Unions 1997 Bulletins List

Number

Title

Date

B-97-1 List of Division Opinions and Bulletins issued in 1996 February 18, 1997
B-97-2 NCUA Issues Letter on Automated Response Systems February 26, 1997
B-97-3 DFI Focus Group Meetings February 27, 1997
B-97-4 DFI Focus Group Meetings - Revised March 28, 1997
B-97-5 List of opinions issued during first half of 1997 July 14, 1997
B-97-6 Credit Unions and the year 2000 July 21, 1997
B-97-7 Mortgage Loan Prequalifications under Reg B and Reg C July 17, 1997
B-97-8 Division Will No Longer Prepare IRS Form 990s August 11, 1997
B-97-9 Division Files for Expedited Adoption of Rules that are "Substantially Equivalent" to NCUA Rules on Prohibited Fees and Nonpreferential Loans September 12, 1997
B-97-10 Division modifies examiner work hours September 18, 1997
B-97-11 Form 990 Training Session Scheduled for November 12, 1997 October 9, 1997
B-97-12 Division announces Town Hall meetings with credit unions in December to discuss Division’s FOM initiative November 13, 1997
B-97-13 Division issues letter for use as an attachment with IRS Form 990 filings November 17, 1997
B-97-14 Division adopts final rules on prohibited fees and nonpreferential loans November 19, 1997
B-97-15 Year 2000 (Y2K) Supervision November 25, 1997
B-97-16 Preliminary Draft of the Field of Membership (FOM) Bylaws November 26, 1997
B-97-17 Examination Survey December 30, 1997

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Division of Credit Unions 1996 Bulletins List

Number

Title

Date

B-96-1 Rule-making process begun on new fee structure. January 12, 1996
B-96-2 DCU withdraws rule-making on capital/liquidity and messenger service/agency issues March 20, 1996
B-96-3 Division Files Draft Fee Rule and Schedules Hearing to Receive Comment April 5, 1996
B-96-4 Division initiates rule-making to delete associational group provision for retired persons and persons over 50 April 12, 1996
B-96-5 Division moves rules May 6, 1996
B-96-6 DCU adopts new fee rule June 6, 1996
B-96-7 List of opinions issued year-to-date July 1, 1996
B-96-8 DCU proposes rule amendments July 10, 1996
B-96-9 DCU proposes to repeal certain rules July 15, 1996
B-96-10 Division adopts rules: deleting streamlined senior provision, making technical corrections, and repealing outdated sections September 5, 1996
B-96-11 Credit unions and the Year 2000 September 25, 1996
B-96-12 Copies of current state credit union statutes and rules October 30, 1996
B-96-13 Important news from the Department of Licensing November 21, 1996
B-96-14 Credit union action required before December 27, 1996 December 16, 1996

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Division of Credit Unions 1995 Bulletins List

Number

Title

Date

B-95-1 DCU Organization and Phone Numbers July 27, 1995
B-95-2 Messenger Service and Agency Rules August 17, 1995
B-95-3 Rule-making Initiated on Capital and Liquidity Requirements for WCUSGA-member Credit Unions September 5, 1995
B-95-4 Meeting Scheduled to Discuss 1996 DCU Fee Increase November 3, 1995
B-95-5 Proposed Division Budget November 13, 1995
B-95-6 State Credit Unions Encouraged to Enhance Liquidity November 17, 1995
B-95-7 Authority to Invest in Exchange and Its Successor December 15, 1995

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