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1997 Opinion Letters

97-0123 – Promotional Plan To Increase Membership

97-0137 – Member Expulsion

97-0139 – NCUSIF Insurance Coverage of Sub-share Accounts

97-0141 – Conflict of Interest

97-0148 – Share Draft Cash Disbursement

97-0150 – Deposit Brokering

97-0203 – Loan Referral Fees

97-0225 – NCUA Preemption of State Law Affecting Finance Charge

97-0238 – Qualifications for Members of Nominating Committee

97-0247 – Preferential Loan Rates to Employees

97-0305 – Travel, Lodging and Lost-time Pay for Board of Directors

97-0306 – Payment of Taxes

97-0318 – Incentives to Automobile Dealers

97-0322 – Availability of Bylaws to Members

97-0326 – Membership Eligibility of Immediate Family Members of Secondary Members

97-0327 – Membership of Entities Not Named in Charter

97-0328 – Community Development Financial Institutions Program

97-0330 – Roll Call Votes

97-0331 – Operating and Sharing an Electronic Branch in Massachusetts

97-0403 – NCUA's Member Business Loan Regulation

97-0407 – Business Lending Rule – Associated Members

97-0412 – Hiring of Consultants

97-0423 – Statutory Lien

97-0427 – Charitable Donations

97-0428 – Notary Public Services

97-0429 – Denial of Services

97-0446 – Segregation of Duties Regarding Loan Disbursement

97-0506 – Conflict of Interest

97-0507 – Health Insurance for Board and Committee Members

97-0508 – Impermissible Loans - Overdrafts

97-0511 – Sales and Hotel Occupancy Tax

97-0515 – Members Elected to the BOD

97-0517 – Insurance & Brokerage Services

97-0533 – Real Estate Related Loan

97-0537 – Application of State Consumer Lending Laws to Federal Credit Unions

97-0539 – Revocable Living Trusts

97-0540 – Insurance of Accounts

97-0541 – Mechanical Breakdown Services

97-0546 – Indirect Lending

97-0602 – Relationship Requirements for Credit Union Membership

97-0632 – Guaranteed Auto Protection Program/Debt Cancellation Contract

97-0633 – Preemption of State Law Concerning Late Fees

97-0637 – Proposed Signage Change

97-0642 – Deposit Brokering

97-0649 – Legal Counsel for Supervisory Committee’s Exclusive Use

97-0705 – Business Share Draft Accounts

97-0717 – Prescreening for Automobile Loans

97-0719 – Federal Credit Union Account at Federal Savings Bank

97-0722 – Sale of Charged-off Loans

97-0729 – State Chartered Credit Unions Operating Branches on Military Installations Overseas

97-0737 – Collateral Protection Insurance

97-0803 – Safekeeping Requirements

97-0811 – Conflict of Interest

97-0813 – Disbursement of Retained Earnings

97-0814 – Management Interlocks

97-0821 – Payment of Dividends

97-0824 – Federal Electronic Benefit Transfers

97-0826 – Conflict of Interest

97-0830 – Polish Flood Relief Charitable Donations

97-0831 – Annual Election

97-0840 – Credit Union Service Organization (CUSO)

97-0842 – Loan Referral Program

97-0850 – Definition of "Nonmember"

97-0852 – Hawaii Reciprocal Beneficiaries Act

97-0853 – Assumption of Credit Union Real Estate Loans by Nonmembers

97-0903 – Living Trust Accounts

97-0904 – Safekeeping Requirement

97-0909 – Pass-through Insurance

97-0916 – Annual Percentage Yield Calculations

97-0923 – Insurance Coverage of Individual Retirement Accounts

97-0943 – Late Fees

97-0949 – Treasury General Accounts

97-0950 – Reg. Z - Disclosure of Required Deposits

97-0951 – Disclosure of NCUA Examination Reports

97-1003 – Security Valuation

97-1009 – Conflict of Interest

97-1017 – Mutual Conversions

97-1019 – Membership Eligibility of Immediate Family Members

97-1020 – Membership Eligibility of Immediate Family Members

97-1032 – Credit Union Service Organization (CUSO) Cellular Phone Services

97-1044 – Protection of Confidential Information

97-1046 – Incentive Program for Loan Officers

97-1047 – Securities Safekeeping

97-1048 – CUSO Membership in Federal Credit Unions

97-1056 – Simplified Employee Pension Accounts

97-1060 – Federal Credit Union Charter Name

97-1107A – Insurance of Joint Accounts

97-1110 – Integrated Financial Service Arrangements

97-1111 – Supervisory Committee Audit, §701.12(c)(1)

97-1116 – Securities Safekeeping

97-1118 – Preferential Loan Rates to Employees

97-1119 – Application of Oklahoma Statute, Section 6-601, to FCUs

97-1125 – Securities Safekeeping

97-1213 – Insurability of Member Deposits

97-1220 – FCU Bylaw Dispute

97-1226A – Secondary Capital Program

97-1226C – Secondary Capital Program

97-1228 – Discounted Legal Fees

97-1247 – Permissible Enforcement of a Due-On-Sale Clause

97-1250 – Brokered Shares

97-1251 – Loan Participation Authority

97-1252 – Eligible Obligations and Loan Funding

97-1257 – Annuity Plan for Volunteer Board Members

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