Denial of Services & Expulsion
A NorthLegal Webinar
Recorded February 22, 2007

Program Description
Credit union services -- does every member get equal treatment?  Must you offer all services to all members?

Suppose the member isn't paying.  Maybe he's bankrupt, maybe he's not, but for whatever reason he isn't paying back the money he borrowed.   Or maybe the member is argumentative or otherwise causes problems every time she comes into the branch.  Do you still have to provide that member with services?

When can your credit union refuse to allow a member to maintain a checking account?  Check cashing privileges?  A share account?  Payroll deduction?   ATM access?  Online bill payment?  Wire transfers? 

May you expel the member from the credit union entirely?  May you condition continued membership on payment of the debt?

Does bankruptcy make a difference?  Are you really protected by that "we deny services to anyone who causes us a loss" policy your credit union has?

Join credit union attorney Eric North on February 22 for answers to these and related questions.  Learn just what credit union regulations and bankruptcy law do and don't allow you to do, and learn how to evaluate the risks of proceeding where the law is not clear.   During this program, you will learn:

• When denying services is a violation of the automatic stay, and when it isn't.
• What the Bankruptcy Code has to say about refusing to allow bankrupt members the same benefits as other members.
• What services the NCUA requires all credit union members receive.
• What courts have to say about denying services and negotiating with members.
• and much more!

Take advantage of this opportunity to get the very latest information for collectors who enforce cross collateral clauses, lenders who obtain them, and managers who approve them, all for one low price!

NOTE: This program is intended for employees of credit unions. If you are not a credit union employee, please contact The North Law Firm to obtain approval before registering.

Cost/Registration
The registration fee for this program is $125.00 per telephone/Internet connection if paid by credit card (online or by telephone), $135.00 if paid by check. (Checks must be received at The North Law Firm prior to the beginning of the program. Sorry, but we cannot invoice for this event.) For that single price, you may have as many participants as you wish listen (over a single telephone line and Internet connection) in a conference room or office! To register, click here or telephone The North Law Firm at 408.279.8800.

Regions Affected
This program is not state-specific, and will be important to credit unions from around the country.

Co-Hosts
Although credit unions from any state may attend this program, this program is jointly hosted by The North Law Firm and by the following credit union leagues and associations:.

The Arizona Credit Union System
The California Credit Union League
The Delaware Credit Union League
The Hawaii Credit Union League
The Iowa Credit Union League
The Louisiana Credit Union League
The Massachussetts Credit Union League
The Mid America Credit Union Association
The Mississippi Credit Union League
The Montana Credit Union League
The New Hampshire Credit Union League
The Nevada Credit Union League
The Northwest Credit Union Collectors Council
The Credit Union Association of Oregon
The Pennsylvania Credit Union Association
The Rhode Island Credit Union League
The Utah League of Credit Unions
The Washington Credit Union League
The West Virginia Credit Union League

(Credit unions do not have to be members of any of those leagues or associations in order to attend.)

How to Attend an Archived NorthLegal Webinar
To attend this program you will need access to an Internet connection and a PC with a sound card.  Both the audo portion and the video display are provided over the Internet. Here are the steps:

1.  Enroll online, by clicking the "Enroll / Attend" link at the top of this page.  You will need a credit card or a "coupon code" from NorthLegal.  After you enroll, an Access Code will be sent to the email address you provide.  (If you were provided with an Access Code by NorthLegal, you may go directly to Step 2.)

2.  After receiving an Access Code, click the "Program Materials" link at the top of this page to download the materials in PDF format. Contact NorthLegal to obtain the password needed to open the PDF file.

3.  After downloading the program materials, return to the "Enroll/Attend" link at the top of this page, scroll to the bottom, enter that Access Code," and click "Playback."

Contact NorthLegal Training and Publications if you have any questions or suggestions for improvement.

NorthLegal Training and Publications
20280 North 59th Ave., No. 115-334
Glendale, Arizona 85308

Telephone: 623.537.7150
Facsimile: 623.537.7921
Email: northlegal@culaw.com