NAFCU Certified Compliance Officer (NCCO) Program

NAFCU School

How to get certified

To earn the NCCO certification, an individual must pass a series of four examinations developed by industry-leading compliance experts. This can be done from the convenience of your home or office:

Attend NAFCU's Regulatory Compliance School

Take the four required exams during NAFCU’s Regulatory Compliance School On-Demand. You may also opt to take the exams at another time, as long as you have passed all four exams by August 31 of the year you attended the in-person school or by December 31 of the year you attended the on-demand school.  

About the certification exams

The four exams cover a wide variety of compliance topics. Each exam contains 50 questions, with a mix of True/False, Yes/No and complex multiple-choice questions. A passing grade is 76% correct (38/50). Exam topics are all covered in NAFCU's Credit Union Compliance Roadmap as outlined below by topic and number of exam questions for each.

Exam 1

Chapter and Section of the Compliance GPS 50 Questions
Chapter 1, Section 1: The Legislative and Regulatory Process 4 Questions
Chapter 1, Section 2: The Federal Credit Union Act and the NCUA 4 Questions
Chapter 1, Section 3: The Consumer Financial Protection Bureau 2 Questions
Chapter 1, Section 4: NCUA Supervision and Examination 6 Questions
Chapter 1, Section 5: Federal Credit Union Governance 8 Question
Chapter 1, Section 6: Federal Credit Union Powers and Limitations 7 Questions
Chapter 1, Section 7: Field of Membership for Federal Credit Unions 5 Questions
Chapter 2, Section 3: Share Insurance 6 Questions
Chapter 3, Section 1:  NCUA Lending Requirements 8 Questions

Exam 2

Chapter and Section of the Compliance GPS 50 Questions
Chapter 2, Section 1: Regulation D 4 Questions
Chapter 2, Section 2: Regulation E 10 Questions
Chapter 2, Section 4: Regulation CC 7 Questions
Chapter 2, Section 6: Truth in Savings 10 Questions
Chapter 2, Section 7: E-SIGN Act 4 Questions
Chapter 4, Section 2: Privacy of Member Information 15 Questions

Exam 3

Chapter and Section of the Compliance GPS 50 Questions
Chapter 3, Sections 2 - 3, 5: CFPB’s Regulation Z 9 Questions
Chapter 3, Section 4:  Special Credit Card Rules 5 Questions
Chapter 3, Section 6: TILA/RESPA Integrated Disclosures 6 Questions
Chapter 3, Section 7: ATR / Qualified Mortgages 4 Questions
Chapter 3, Sections 9 - 13: Special Mortgage Rules 7 Question
Chapter 3 Section 14: Lending to Servicemembers - MLA & SCRA 7 Questions
Chapter 3, Section 15:  Regulation B 4 Questions
Chapter 3, Section 16:  Fair Lending 4 Questions
Chapter 3, Section 18:  Fair Credit Reporting Act 4 Questions

Exam 4

Chapter and Section of the Compliance GPS 50 Questions
Chapter 3, Section 8: Mortgage Servicing 10 Questions
Chapter 3, Section 17: The Real Estate Settlement Procedures Act 4 Questions
Chapter 3, Section 19: Loans in Flood Hazard Areas 3 Questions
Chapter 4, Section 1: BSA and OFAC 14 Questions
Chapter 4, Section 3: Information and Data Security 10 Questions
Chapter 4, Section 4: Vendor Management 5 Questions
Chapter 4, Section 5: The Telephone Consumer Protection Act 4 Questions