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1992 Opinion Letters

92-0101 – Member Access to Credit Union Records

92-0107 – Leasing Residual Value Requirement

92-0111 – Conflict of Interest

92-0112 – Member Business Loan

92-0116 – Preemption of State Statute

92-0117 – Real Estate Loans or Consumer Loans

92-0118 – Member Business Loan

92-0123 – Iowa Credit Card Registration Law

92-0124 – Discrimination Laws

92-0203 – Tax Exemption

92-0215 – Maturity on Banker’s Acceptance

92-0223 – Conflict of Interest

92-0224 – Charitable Fund Relief Accounts

92-0232 – Loan Maturity Limits

92-0309 – Loan Policies Under the Max Program

92-0313 – Securitization of Real Estate Loans

92-0316 – Iowa Credit Card Law

92-0323 – Field of Membership

92-0330 – Mortgage on Secondary Principal Residence

92-0331 – ATM Overdraft Recovery

92-0332 – Preemption of State Grace Period Laws

92-0334 – Eligible Obligations

92-0335 – Preemption of State Late Charges Law

92-0338 – Insurability of Escrow Funds

92-0339 – FCU/CUSO Ownership of Reinsurance Corporation

92-0413 – Mortgage Foreclosures

92-0424 – Denial of Endorsement Request

92-0434 – Decedent’s Estate Account

92-0439 – Principal Residence

92-0507 – Compensation of Officials

92-0510 – Bankruptcy Code

92-0514 – Joint Accounts in Louisiana

92-0519 – Reimbursement of Volunteers Lost Wages

92-0520 – Agreements between State Credit Union and Corporation

92-0522 - Nonstandard Bylaw Amendment

92-0611 – NCUA Tax Exemption

92-0612 – Preemption of State Late Charges Law

92-0613 – Permissible Political Activities

92-0619 – Insurance Group Purchasing

92-0626 – Compensation of Officials

92-0635 – Automobile Leasing

92-0639 – Preemption of State Law on Disposition of Decedents Accounts

92-0643 – Joint Owner Compared to Joint Member

92-0701 – Secondary Principal Residences

92-0703 – Treatment of Loan Balance of Decedent Account

92-0705 – Uninsured Membership Shares

92-0707 – Loan Officer Authority

92-0711 – Personal Property Tax

92-0720 – Delegations to Executive Committee

92-0728 – Publication of Member Discharges in Bankruptcy

92-0731 – Loan Participation

92-0803 – Term Limits for Directors

92-0804 – Real Estate Liens on Consumer Loans

92-0806 – Bylaws on Terminating Membership

92-0807 – Loans to Directors

92-0817 – Postdated Checks

92-0826 – Varying Dividend Rates

92-0828 – Share Accounts

92-0829 – Electronic Income Tax Filing

92-0837 – Appraisals

92-0850 – Denial of CUSO Request for Other Services

92-0908 – Political Action Committee Activities

92-0935 – Delegation to Credit Committee  

92-0943 – Termination of Member Services

92-1002 – Electronic Tax Filing

92-1005 – Valuation Program

92-1006 – Delegation of Investment Authority

92-1010 – Student Loans

92-1013 – Expulsion of Members

92-1105 – Inverse Floating CMOs

92-1107 – Merger of Credit Unions with Savings and Loan Association

92-1108 – Fixed Assets

92-1109 – Regulation B

92-1130 – Discounted Loan Rates to Low Risk Members

92-1131 - Preemption of State Law Governing Mortgage Fees

92-1133 – Suspension of an Officer or Member

92-1202 – Political Action Commitee("PAC") Fund Raising Program

92-1228 – Business Share Draft Accounts

92-1235 – Maturity on Motor Home Loans

92-1244 – CUSO Qualifications

92-1248 – Federal Credit Union Investments

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