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Laws & Regulations

The NC Credit Union Division is charged with governance of state-chartered credit unions within NC by the following NC General Statutes (NCGS). Below you will also find information on Rules Review, as well as links to helpful resources.

State Laws

The following NC General Statutes govern credit unions, the Division, and the Commission. Clicking on an item below will allow you to view the statute from the NC General Assembly's website.

Rules & Regulations

NC Administrative Code, Title 4, Subchapters 6A, 6B, and 6C

NCGS §150B-21.3A adopted in 2013 requires state agencies to review existing rules every 10 years. An initial review was completed during the next five years. Thereafter, rules are to be reviewed on a 10-year review cycle.

The NC Credit Union Division is governed under Title 04 - Commerce, Chapter 06 - Credit Union Division, of the NC Administrative Code.

Pursuant to the NCGS §150B-21.3A (c) the Department is required to evaluate each of the existing rules and make an initial determination from one of these three classifications:

  • Necessary with substantive public interest - the agency has received public comment on the rule within the past two years or how the rule affects the property interest of the regulated public, and the agency knows or suspects that any person may object to the rule.
  • Necessary without substantive public interest - the agency determines that the rule is needed, and the rule has not had public comment in the last two years.  This category includes rules that identify information that is readily available to the public, such as an address or telephone number.
  • Unnecessary - the agency determines that the rule is obsolete, redundant or otherwise not needed.

Comments will be accepted by e-mail at support@nccud.nc.gov or mail:

North Carolina Credit Union Division
Attn: Kristina Ray, Rule Making Coordinator
205 West Millbrook Road
Suite 105
Raleigh, NC 27609

"Public Comment" is defined by NCGS §150B-21.3A(a)(5) as a written objection to all or part of a rule.  Additionally, pursuant to NCGS §150B-21.3A(c)(2), in order for the Rules Review Commission to determine whether the public comment has merit, the public comment must address the specific substance of the rule and address any of the standards of the Commission review, as set forth in NCGS §150B-21(a).

Rules Review

The rules for the NC Credit Union Division will be reviewed by the Rules Review Commission.

Additional information, as well as rules that are available for public comment can be found on the Rules Review page of this site.