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Can I reject changes to my credit card account?

It depends. You can reject many types of changes…

Can my credit union change my deposit account statement cycle date?

  Generally yes, but contact your credit union to…

Can the credit union apply payments to the “purchase portion” of the account first and then to the cash advance balance?

As of February 22, 2010, there are new…

Can the credit union change my payment due date—say, from the 1st of the month to the 15th of the month?

Yes, your loan agreement may allow the credit…

Can the credit union change the account terms on my credit card account?

There are many types of changes the credit union…

Can the credit union charge a fee for a cash advance on my credit card?

Yes, if it was disclosed in the credit card…

Can the credit union charge a fee for making payments, such as for making a payment over the phone?

It depends. Generally, the Credit CARD Act…

Can the credit union charge a fee if my check/share draft overdraws my account?

The credit union can assess a fee if a check/…

Can the credit union charge a late fee on my credit card?

Yes, if either of the following is true: • your…

Can the credit union charge for transferring my IRA to another financial institution?

Yes. The credit union makes these decisions. In…

Can the credit union charge me an over-the-limit fee?

Yes, you may be responsible for certain interest…

Can the credit union close my credit card / line of credit account?

Yes. Generally, credit unions can close an…

Can the credit union delay the posting of a payment to my credit card account?

The general rule is that the credit union must…

Can the credit union place a hold on a payroll check?

Yes. When funds become available for withdrawal…

Can the credit union place a hold on deposits made in cash?

Yes, generally a credit union shall make funds…

Can we use CFPB-designated underserved areas to meet the facility test?

Yes. A CFPB-designated "underserved county" can…

Can you address how, if at all, the ability of a credit union to use online or mobile banking services to serve a membership area? Specifically looking for insight to rural areas for which building a branch may not make sense.

A credit union requesting a charter for a…

Can you provide the link to the Census Bureau data that NCUA uses to determine if an area qualifies as a Combined Statistical Area?

We do not use the Census Bureau to determine if…

Could an office building with 2,500 employees at one company (tenant) and 2 other companies with each 500 employees for a total of 3,500 employees in the building be requested?

Yes. Each individual tenant located in the…

Do reverse mortgages carry risks for consumers?

While reverse mortgages can provide real benefits…

Do you define political jurisdictions as Federal, State, County, or City?

A political jurisdiction is defined as a city,…

Do you have a link to the CFPB “underserved county” list on NCUA website?

Yes. A list of the CFPB underserved counties is…

Do you need to list each business and the number of employees at the sites?

No. However, NCUA Form 4015-EZ should identify…

Does "vendor/supplier" for TIP Charter include contractors?

It depends. It may include, on a case-by-case…

Does a credit union need to be located in the strip mall or does the reasonable proximity standard apply?

No. A credit union does not have to have a…