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The Comment Process

Participating in regulatory change means taking part in the formal comment process mandated by state and federal law.

When a regulator issues a proposal, there is a period of time set aside for comment (usually 30-90 days) when the regulator encourages credit unions to comment on the proposal. When the comment period ends, the regulator reviews the comment letters and determines if any changes should be made before issuing a final rule. Without comment letters, the regulators would have no reason to review the proposal prior to issuing the final rule.

On behalf of Georgia’s credit unions, the League sends dozens of comment letters every year to regulatory agencies regarding the unnecessary hardships proposed rules pose, as well as unintended consequences. Comments from the League are often incorporated into the final versions of proposed rules, thereby helping to lessen compliance burdens for credit unions.

How to Write A Comment Letter

Regulatory Issues

NCUA Proposed Regulations

GCUL Comment Letters


The more you get involved, the more likely proposals will be changed to benefit credit unions!