Denial
of Services and Expulsion
(When Can You Just Say "No"?)
A NorthLegal Webinar
(Presented February 19, 2009)
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Must
a credit union treat all members equally? Must you offer
all services
to all members?
Suppose the member is disruptive at the credit union? Or suppose
he hasn't repaid money that he borrowed? Do
you still have to let that member maintain a checking account? Cash
checks? Receive statements? Make deposits through
payroll deduction? Visit the
credit union branch?
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 a policy that says you "deny services
to anyone who causes a loss"? And, if so,
what kind of loss qualifies? |
During this program,
credit union rights attorney Eric North will answer these and related
questions. During
this program, participants will learn:
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Under what circumstances you may choose not to offer
services to one member that you offer to other members. |
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Under what circumstances you may NOT deny a member
services that are offered to other members. |
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Whether a member must be "in default" in order for
you to discontinue services. |
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What the NCUA says about providing services to members. |
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What steps you should take (if you decide to
deny services) to limit your credit union's liability. |
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What bankruptcy law has to say about denying services
to members. |
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May you use the threat of a loss of services as a way
to convince a bankrupt member to reaffirm? |
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What the rules are regarding
expulsion of members. (Emphasis on federal credit unions, but a
general discussion of state credit union laws.) |
and more!
Like
other NorthLegal Webinars, this program gives you the
opportunity to train several staff members for
a single low price, right in the convenience of your office!
NOTE: This
program is intended for employees of credit unions. If
you are not employed by a credit union, please contact NorthLegal
Training and Publications before registering to see if your company
qualifies.
Cost
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 by NorthLegal 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!
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 NorthLegal Training and Publications and by
the following organizations:
The Arizona
Credit Union League & Affiliates
The California Credit Union League
The California Credit Union Collectors Council
The Delaware Credit Union League
The Hawaii Credit Union League
The Kentucky Credit Union League
The Louisiana Credit Union League
The Massachussetts Credit Union League
The Mid-America Credit Union Association
The Mississippi Credit Union Association
The Montana Credit Union League
The New Hampshire Credit Union League
The Nevada Credit Union League
The NorthWest Credit Union Collectors Association
The Credit Union Association of Oregon
The Credit Union Association of Rhode Island
The Tennessee 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
a Webinar
To register for a NorthLegal Webinar using a credit card, visit
the link shown earlier on this page. (You
may also register by mailing a check to NorthLegal, but there
is a small extra fee. Call
for information if you want to register by mail.)
After
you register, an email will be sent to you with an "Access Code" and
with instructions showing how to use that Access Code to attend the
program. An Access Code may be used only one time, and is only valid
for 48 hours after it is issued. If you miss that deadline, just
contact us and we'll re-issue the Access Code.
To attend this program you will need access to a telephone and an Internet
connection. The audio portion will be heard over a toll-free telephone line
(we find you get the most reliable and clear connection that way), and a slide
and document presentation will be viewed over the Internet. More details about
how to participate will be provided upon registration or (if you would like
details before registering) may be obtained by calling NorthLegal Training
and Publications.
5115 N. Dysart Road, No. 202-500
Litchfield Park, Arizona 85340
Telephone: 623.537.7150
Facsimile: 623.537.7921
Email: northlegal@culaw.com
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NorthLegal Webinars
NorthLegal Bankruptcy Conference for CUs
Speaker: Eric North
 Eric
North, the primary speaker at the programs listed on this site, has represented
the interests of credit unions as an attorney with respect to litigation,
compliance, governance, bankruptcy and collections matters since 1984.
Eric has appeared in state and federal
courts throughout the State of California, and has argued before the Ninth
Circuit Court of Appeal.
Eric is also a nationally recognized speaker on legal subjects affecting
credit unions and other financial institutions, and has presented hundreds
of programs on behalf of national, state and local leagues
and associations from around the country.
Watching your training
budget? NorthLegal
Webinars allow you to train multiple employees for one low fee.
Webinar scheduling conflict? No
problem. Just register, skip the program, and contact NorthLegal
to arrange a replay of the presentation at a time that is more
convenient for you. You get all the benefits of a live program,
plus the ability to "pause" the program to take notes
or to discuss the materials being presented. |
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