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1991 Opinion Letters

91-0101 – Dividends

91-0102 – Use of NCUA Logo

91-0111 – Appraisal Requirements for Real Estate Loans

91-0115 – Conflict of Interest

90-0119 – Action Against Abusive Member

91-0125 – Audit Requirements

91-0130 – Definition of “Risk Assets”

91-0209 – CUSO Services

91-0210 – Teleconference Meetings

91-0212 – Suspension of Member Services

91-0215 – Meal Reimbursement for Directors

91-0222 – Nominations for the Board of Directors

91-0223a – Insurability of Investments in Bureau of Indian Affairs

91-0224 – Bylaw Provisions for Removal of Officials and Employees

91-0225 – Applicability of New Hampshire Law

91-0227 – Permissibility of Lease Agreement  

91-0234 – FCU Investment in Investment Companies

91-0301 – Appraisal Regulations

91-0303 – Soldiers' and Sailors' Civil Relief Act

91-0305 – Member Business Loans

91-0314 – Credit Cards Issued by FCUs to Nonmembers

91-0318 – FCU Investment Authority

91-0322 – Bylaw Provisions for Removal

91-0326 – FCU Investment in CMOs

91-0327 – Election of Nonmember to Board of Directors

91-0401 – Federal Regulation of State Chartered Credit Unions

91-0412 – Late Payment Charges

91-0416 – Board Elections 

91-0428 – Sponsor Liability for Credit Union Operations

91-0502 – Reinstatement of Member

91-0503 – Preemption of State Law Re: Interest on Escrow Accounts

91-0506 – Federal Regulation of Credit Unions

91-0610 – Paid Employees Serving as Directors

91-0611 – Regulation Z Disclosure for Renewal Balloon Payment Instrument

91-0621 – Statutory Liens and Joint Share Accounts

91-0631 – Regulation Z and Loan Payment Period

91-0702 – Regulation Z and Home Equity Loan

91-0704 – Membership Overlap

91-0710 – FCUs Tax Exempt Status

91-0716 – Risk Assets and ReserveTransfers

91-0719 – Change in Dividend Rates

91-0721 – Insurance Coverage

91-0728 – Permissibility of Investment

91-0733 – Reorganization Meeting

91-0747 – Preemption of State Law Affecting Share Drafts

91-0749 – Membership Merger Vote

91-0808 – Annuity Programs

91-0816 – Regulation C and Home Mortgage Loans

91-0910 – Pricing Deviation

91-0929 – Signature Guarantees

91-1004 – Personal Computer Loan Program

91-1005 – Loan Differentiation

91-1008 – Payable-On-Death Account Records

91-1101 – Refund of NCUSIF Insurance Premium

91-1112 – Trust Accounts

91-1208 – Preemption of State Law on Beneficiary Designation

91-1209 – Insurance Coverage for Patient Accounts

91-1210 – Prohibiting Loans to Employees and Directors

91-1211 – Corporate Credit Union’s Purchase of Government CMO/REMICs

91-1242 – Reimbursement of Board Member’s Expenses

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