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Legal Opinion Letters - 2003

​Letter Number​Subject​Date
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 Federal Credit Unions​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)​09/25/2003
03-0508​Treatment of Participations with Retained Subordinated Interests​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​02/27/2004
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​08/21/2003
03-0750​Mailing of Member Statements in Single Envelope per Household​08/28/2003
​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 Bid Allegheny Program​12/02/2003
​03-1020​Preemption of Fee Limitations on Debt Cancellation Products​01/28/2004
​03-1039​Debt Cancellation Agreements​01/28/2004
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) Elections0​3/12/2004
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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