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2003 Opinion Letters

03-0105 - Credit Enhancements as a Permissible Activity For Credit Union Service Organizations (CUSOs) - 02/06/2003

03-0106 -Election Procedures - 02/06/2003

03-0130 - Hiring of FCU Director as Part-Time Employee - 04/16/2003

03-0146 - Preemption of Minnesota State Law Restricting Advertising - 03/12/2004

03-0147 - Insurance Coverage for “Transferable Shares" - 04/09/2003

03-0157 - Purchase and Safekeeping of Certificates of Deposit -04/17/2003

03-0165 - Applicability of the District of Columbia (D.C.) Home Loan Protection Act of 2002 to FCU's - 05/23/2003

03-0232 - Share Account Overdrafts – 12 C.F.R. §701.21(c)(3) - 04/22/2003

03-0308 - Investment Advice and Financial Counseling - 05/01/2003

03-0315 - Permissible Activities For Credit Union Service Organizations (CUSOs) - 05/20/2003

03-0356 - Permissibility of Self-Funded Short-Term Disability Plan - 05/20/2003

03-0382 - Long Term Care Insurance Benefit for Officials - 07/10/2003

03 - 0412 - NCUA Preemption of the Georgia Fair Lending Act - 11/10/2003

03-0413 - Payable-on-Death Accounts - 05/20/2003

03-0430 - Construction and Development Member Business Loans (MBLs) - 09/04/2003

03-0508 - Treatment of Participations with Retained Subordinated Interest 06/17/2003

03-0510 - Secrecy of Member Ballot in Federal Credit Union Elections - 07/30/2003

03-0512- Funding Employee Benefit Obligations With Life Insurance - 02/27/04

03-0538 - Real Estate Settlement Services as a Permissible CUSO Activity - 06/17/2003

03-0647 - Federal Credit Union (FCU) and Credit Union Service Organization (CUSO) Participation in New Markets Tax Credits Program - 07/29/2003

03-0736 - Providing Investment Service to Nonmembers - 01/19/2005

03-0747 - Guardianship Account at FCUs

03-0750 - Mailing of Member Statements in Single Envelope per Household

03-0817 - Membership Eligibility of Charitable Remainder Unitrust - 09/09/2003

03-0819 - Participation in California Worker's Compensation Self Insured Group - 11/18/2003

03-0821 - Field of Membership Issues for Department of Homeland Security (DHS) - 10/14/2003

03-0822 - Safekeeping Agreement - Compliance with Part 703 -08/21/2003

03-0839 - Investment in Portions of Loans Guaranteed by U.S. Department of Agriculture -12/04/2003

03-0855 - Louisiana Statute Governing Inactive Accounts - 11/21/2003

03-0905 - Texas Debt Collection Law - 11/26/2003

03-0908 - Payroll Cards - 09/10/2003

03-0911 - Small Business Administration (SBA) Loans Originated by Federal Credit Union ( letter with enclosures, letter only ) - 05/20/2004

03-0929 - Fidelity Bond Removal's Effect on Director's Service - 09/30/2003

03-0934 - Maturities for Loans Secured by Manufactured Homes - 11/17/2003

03-0947 - Insurance Coverage for Revocable Trust Account - 12/17/2003

03-0964 - Individual Taxpayer Identification and Matricula Consular Numbers for Credit Reporting Purposes - 12/09/2003

03-1011 - Credit Union Participation in BidAllegheny Program - 12/2/2003

03-1020 - Preemption of Fee Limitations on Debt Cancellation Products - 01/28/04

03-1039 - Debt Cancellation Agreements - 01/28/04

03-1053 - Federal Credit Union (FCU) Officials' Use of Business Equipment - 12/03/2003

03-1106 - New Jersey Homeownership Security Act of 2002 - 01/28/2004

03-1119 - Tracking Late Fees - 03/12/2004

03-1048 - Secrecy of Member Ballot in Federal Credit Union (FCU) Elections - 3/13/04

03-1147 - Prepayment Penalties - Waiver of Settlement Fees - 02/19/2004

03-1242 - NCUA Preemption of the Georgia Fair Lending Act - 03/12/2004

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