Archive for January, 2013

Bank to Credit Union Conversions

Conversion of a Non-Credit Union Entity to a Credit Union Charter
The National Credit Union Administration (NCUA) occasionally receives inquiries from financial entities, including banks, with questions about converting to a credit union charter. While unusual, such conversions may be possible for some financial entities. This document provides guidance on various issues that may arise when a non-credit union entity (NCE) is considering conversion to a credit union charter.

Credit unions may be either federally chartered or state-chartered. NCUA charters federal credit unions (FCUs), and this document focuses for the most part on conversion to the FCU charter. This document does not address conversion from one credit union charter to another. This document also does not address conversions from the credit union charter to a non-credit union charter.

The words “I,” “me,” and “my” below refer to the owners of the NCE.
What is a credit union?
Credit unions are not-for-profit, member-owned, and member-controlled cooperatives organized to provide financial services to their members. The primary business of most credit unions is to provide their members a place to save and borrow at good rates, although credit unions may also provide their members with certain other financial services. Credit unions are either state-chartered or federally chartered. NCUA, an independent agency in the executive branch of the federal government, charters all federal credit unions (FCUs) and provides account (deposit) insurance to all FCUs and most state-chartered credit unions.
By law, credit unions are limited to serving persons within certain fields of membership as established in the credit union’s chartering documents. Any person or organization within a credit union’s field of membership may join the credit union and so become a member. The field of membership concept, an important aspect of credit unions, is discussed in more detail below. Continue reading

NCUA Regulations

NCUA Regulations

NCUA’s regulations are on the Electronic Code of Federal Regulations (e-CFR) webpage, which is a currently updated version of the Code of Federal Regulations (CFR) produced by the National Archives and Records Administration’s Office of the Federal Register (OFR) and the Government Printing Office. The OFR updates the material in the e-CFR on a daily basis. The e-CFR is not an official legal edition of the CFR. Continue reading

Federal Credit Union Act

lol cooperative effort

Federal Credit Union Act


The Federal Credit Union Act (FCUA) is the source of authority for all federally chartered credit unions and governs the coverage and terms of insured accounts at all federally insured credit unions. It also determines the structure and duties of NCUA. The Congress of the United States found the following, and embodied the same in the Federal Credit Union Act of 1934 (Amended):

The American credit union movement began as a cooperative effort to serve the productive and provident credit needs of individuals of modest means.

Credit unions continue to fulfill this public purpose, and current members and membership groups should not face divestiture from the financial services institution of their choice as a result of recent court action.

To promote thrift and credit extension, a meaningful affinity and bond among members, manifested by a commonality of routine interaction, shared and related work experiences, interests, or activities, or the maintenance of an otherwise well understood sense of cohesion or identity is essential to the fulfillment of the public mission of credit unions.

Credit unions, unlike many other participants in the financial services market, are exempt from Federal and most State taxes because they are member-owned, democratically operated, not-for-profit organizations generally managed by volunteer boards of directors and because they have the specified mission of meeting the credit and savings needs of consumers, especially persons of modest means.

Improved credit union safety and soundness provisions will enhance the public benefit that citizens receive from these cooperative financial services institutions.

Anonymous takes down USSC.Gov

Anonymous takes down U.S. Sentencing Commission Website and names eroding justice, abuse of prosecutorial discretion, and the suicide by-prosecution of internet pioneer and Harvard fellow Aaron Swartz. http://www.USSC.Gov  LMAO   DOX their top executives!

NCUA.Gov | National Credit Union Association


For the Bank Secrecy Act info scroll all the way down to the bottom!    lol… like white on white rice, we r onto you.  Should of expected us. Continue reading | Gardening Connections Links / Resources Specific Gardening Subjects


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A wealth of information on designing and sustaining outdoor gardens, schoolyard habitats, and other landscapes for children.

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Community gardens, worm composting, school gardens, and more.


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