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The NCUA Appeal Process: A Complete Guide
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The NCUA Appeal Process: A Complete Guide
# NCUA Appeal Process with Mark Treichel
## Overview
This episode covers the formal appeal process at NCUA, detailing how credit unions can appeal examination findings and supervisory determinations.
## Key Points About Initial Response to Examination Findings
- Start with the examiner level - resolving issues at the lowest level is most time and cost-efficient
- Common reasons for appeals include:
- Factual errors not corrected
- CAMEL code downgrades
- Requirements that could negatively impact member service
- Requirements affecting capital building or earnings
- Requirements impacting liquidity control
## What Can Be Appealed
Material supervisory determinations that may significantly affect:
- Capital
- Earnings
- Operating flexibility
- Nature/level of supervisory oversight
Specifically includes:
- Composite examination ratings of 3, 4, or 5
- Loan loss reserve adequacy determinations
- Classification of significant loans/assets
- Federal consumer financial law compliance determinations
- Certain waiver requests/additional authority applications
## Appeal Process Timeline
1. Initial Appeal to Regional Director
- Must file within 30 days of examination
- Regional Director has 30 days to respond
2. Secondary Appeal Options (if Regional Director denies)
- 30 days to appeal to either:
- Office of Examination & Insurance, OR
- Supervisory Review Committee (recommended path)
- These bodies have 60 days to respond
- Can request oral hearing with Supervisory Review Committee
3. Final Appeal to NCUA Board
- 30 days to file after previous denial
- Board has 90 days to decide
- May request oral hearing (not guaranteed)
Total timeline can extend 8-12 months, especially if oral hearings are involved.
## Important Considerations
- Must follow each step sequentially - cannot skip levels
- Component CAMEL ratings cannot be directly appealed, but arguments about components support composite rating appeals
- Document resolutions are negotiable
- Appeals create an administrative record
- Partial victories possible at each level
- Success likelihood typically increases at higher levels
- "Tie goes to the runner" - burden of proof is on the credit union
## Resources
Related regulations:
- Part 746, Subpart A of NCUA regulations
- Preamble to final rule provides important context
## Contact Information
For more information or consultation about appeals:
- Connect with Mark Treichel on LinkedIn
- Contact Credit Union Exam Solutions
*Note: This episode expands on an earlier podcast about the regional appeal process featuring Todd Miller.*
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