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What would an "FDIC insured non-depository" be?

A non-depository institution is an entity that…

When adding an adjacent area outside of a CBSA, is the credit union also required to serve a portion of the CBSA in addition to the adjacent area?

A credit union can serve an area adjacent to a…

When adding an adjacent area, what information do we need to provide?

You must provide a written narrative…

When approving a community expansion or addition, does NCUA look for the credit union to have a specific number of branches or CO-OP Network locations in the area in order to serve the geographic area?

No. There is no requirement that you have a…

When does the rule become effective and when can we submit a request under the new rule?

The new rule became effective February 6, 2017.…

When is my payment considered late?

Whether a payment is considered late or not is…

When will the credit union be required to obtain my consent or agreement before imposing overdraft fees on ATM and one-time debit card transactions?

For accounts opened on or after July 1, 2010, the…

When you open a deposit account, what kinds of disclosure does a credit union have to provide?

Before you open an account, credit unions must…

Where can I find more information on reverse mortgages?

You can obtain information on HECMs at the FHA…

Where can I find NCUA’s new rule?

The new rule posted in the Federal Register is…

Who is responsible for upkeep on the home on a HECM?

It is important to remember that you are still…

Why wasn't my online payment credited to my account on the same day I made it?

The general rule is that the payment must be…

Will Form 4015-A be published somewhere?

Yes. A copy of NCUA Form 4015-A will be posted…

Will NCUA approve a community charter that allows more than one credit union to serve the same area?

Yes. NCUA permits community credit unions to…

Will the NCUA perform a Concentration of Facilities Ratio (or Depository Institution test) for state chartered credit unions?

Yes. NCUA will perform a Concentration of…

Would a contractor be a "security company" that works for a SEG that produces steel?

Yes, if the security company is under contract…

Would an authorized representative of an industrial park include a property management company?

Yes. Either the owner of the office or…