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1996 Opinion Letters

96-0106 – Dividends on Escrow Accounts

96-0113 – Donations to Tax Exempt Organizations

96-0131 – Branching Authority

96-0136 – Flow-through Insurance Coverage

96-0201 – Securities Brokerage Services by CUSO

96-0210 – Reverse Mortgages – Equity Share Feature

96-0217 – Recreational Vehicle Loans

96-0219 – Supervisory Committee Members Attending Board Meeting

96-0220 – Flow-through Insurance Coverage

96-0224 – Use of Raffles by Federal Credit Unions

96-0302A – Administration of a Loan Program

96-0307 – Investment Product Sales Disclosures

96-0308 – Percentage Lease Arrangements for Federal Credit Unions

96-0321 – Donation to Credit Union Conference

96-0337 – Appraisals for Home Equity Loans

96-0343 – Confidentiality Bylaw

96-0404 – Balance Computation Methods

96-0406 – Waiver of Fees on Home Equity Loans

96-0410 – Security for Public Deposits

96-0413 – Long-term Mortgage Loans

96-0418 – Deceptive Advertising by CUIS

96-0431 – Credit Scoring System

96-0432 – Employee Serving as a Member of the Board of Directors

96-0440 – Staff Experience Requirement for Business Loans

96-0507 – Credit Union Name

96-0518 – Administration of a Loan Program

96-0519 – Advertising Share Accounts as Being "Free"

96-0522 – Prepayment Penalties - Loan Incentives

96-0530 – Suspension or Expulsion of Member

96-0601A – Testamentary and Joint Accounts

96-0602 – Member Business Loans

96-0615 – Definition of Immediate Family Members

96-0617 – Investment in Secondary Capital Accounts

96-0629 – Request for Clarification of Tax Exempt Status

96-0634 – Credit Cards to Nonnatural Person Members

96-0637 – Loans to Credit Union Service Organizations (CUSOs)

96-0638 – Configuration of an Uninsured Account

96-0639 – General Electric Evendale Employees Federal Credit Union

96-0702 – Definition of “Risk Asset”

96-0705 – State Consumer Law on Selecting a Title Company

96-0709 – Reimbursement of Travel Expenditures

96-0714 – Preferential Treatment of Officials

96-0715 – Granting of Loan Approval Authority

96-0720 – Unclaimed Property Laws (IRPS 82-4)

96-0721 – Southern Teachers & Parents FCU

96-0722 – Eligibility of NARCUP, Inc. as an Association under IRPS 96-1

96-0723 – Individual Retirement Accounts

96-0731 – Corporate Nonmember Deposits

96-0734 – Phone Card Sales by Federal Credit Unions

96-0735 – Misleading Advertising

96-0737 – Associational Common Bond

96-0741 – CUSO Indirect Lending

96-0745 – Misleading Advertising

96-0753 – Balloon Loans

96-0804 – Insurance Coverage on Testamentary and Trust Accounts

96-0808 – Corporate Nonmember Deposits

96-0817 – Uniform Settlement Statement Form

96-0825 – Brokerage Services

96-0827 – Questions for CUNA Lending Council Research Paper

96-0841 – Interest on Lawyers Trust Accounts

96-0904 – Field of Membership

96-0905 – Residual Value Insurance.

96-0913 – Balloon Auto Lending

96-0914 – Federal Credit Union Tax Exemption

96-0917 – Credit Union Operations

96-0922 – Retail Installment Contracts

96-0923 – CUSO Leasing Activity

96-0924 – Flood Insurance Requirements

96-0927 – Insurance Coverage of §457 Deferred Compensation Plans

96-0932 – Tape Storage Agreement

96-0934 – Shares, Share Drafts, and Share Certificates

96-0937 – Construction and Development Lending

96-1001 – Business Real Estate Loans

96-1010 – Conflict of Interest

96-1011 – FCU Elections

96-1019 – Secondary Capital

96-1024 – Hiring of Relatives

96-1061 – Limited Partnership Credit Union Service Organization

96-1108 – Loan Participation and Business Lending

96-1111 – Associational Common Bond

96-1117 – CU Nonmember Deposits

96-1118 – Risk Assets

96-1131 – Using Congressional District as Well-defined Community

96-1132 – Application of State of Arizona Transaction Privilege Tax

96-1136 – Supervisory Committee Members

96-1139 – Supervisory Audits

96-1202 – Phone Cards

96-1203 – Loan Participation and Business Lending

96-1208 – Ability of FCUs to Make First Lien Home Improvement Loans in Texas

96-1214 – CUSO Customers

96-1216 – Risk Assets, Part 700

96-1217 – CUSO Conflict of Interest

96-1226 – Cashing of Travelers Checks For Nonmembers

96-1232 – Indemnification Policy

96-1238 – Payout Priorities in Involuntary Liquidation

96-1239 – Flow-through Insurance Coverage of Share Certificate

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