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Texas Administrative Code (Last Updated: March 27,2024) |
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TITLE 7. BANKING AND SECURITIES |
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PART 6. CREDIT UNION DEPARTMENT |
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CHAPTER 91. CHARTERING, OPERATIONS, MERGERS, LIQUIDATIONS |
| SUBCHAPTER A. GENERAL RULES |
| § 91.101. Definitions and Interpretations |
| § 91.103. Public Notice of Department Decisions |
| § 91.104. Public Notice and Comment on Certain Applications |
| § 91.105. Acceptance of Other Application Forms |
| § 91.110. Protest Procedures for Applications |
| § 91.115. Safety at Unmanned Teller Machines |
| § 91.120. Posting of Notice Regarding Certain Loan Agreements |
| § 91.121. Complaint Notices and Procedures |
| § 91.125. Accuracy of Advertising |
| SUBCHAPTER B. ORGANIZATION PROCEDURES |
| § 91.201. Incorporation Procedures |
| § 91.202. Bylaw and Articles of Incorporation Amendments |
| § 91.203. Share and Deposit Insurance Requirements |
| § 91.205. Credit Union Name |
| § 91.206. Underserved Area Credit Unions--Secondary Capital Accounts |
| § 91.208. Notice of Known or Suspected Criminal Violations |
| § 91.209. Call Reports and Other Information Requests |
| § 91.210. Foreign Credit Unions |
| SUBCHAPTER C. MEMBERS |
| § 91.301. Field of Membership |
| § 91.302. Election or Other Membership Vote By Electronic Balloting, Early Voting, Absentee Voting, or Mail Balloting |
| § 91.310. Annual Report to Membership |
| § 91.315. Members' Access to Credit Union Documents |
| SUBCHAPTER D. POWERS OF CREDIT UNIONS |
| § 91.401. Credit Union Ownership of Property |
| § 91.402. Insurance for Members |
| § 91.403. Debt Cancellation Products; Federal Parity; Adoption by Reference |
| § 91.404. Purchasing Assets and Assuming Deposits and Liabilities of Another Financial Institution |
| § 91.405. Records Retention and Preservation |
| § 91.406. Credit Union Service Contracts |
| § 91.407. Electronic Notification |
| § 91.408. User Fee for Shared Electronic Terminal |
| SUBCHAPTER E. DIRECTION OF AFFAIRS |
| § 91.501. Director Eligibility and Disqualification |
| § 91.502. Director/Committee Member Fees, Insurance, Reimbursable Expenses, and Other Authorized Expenditures |
| § 91.503. Change in Credit Union President |
| § 91.510. Bond and Insurance Requirements |
| § 91.515. Financial Reporting |
| § 91.516. Audits and Verifications |
| SUBCHAPTER F. ACCOUNTS AND SERVICES |
| § 91.601. Share and Deposit Accounts |
| § 91.602. Solicitation and Acceptance of Brokered Deposits |
| § 91.608. Confidentiality of Member Records |
| § 91.610. Safe Deposit Box Facilities |
| SUBCHAPTER G. LENDING POWERS |
| § 91.701. Lending Powers |
| § 91.703. Interest Rates |
| § 91.704. Real Estate Lending |
| § 91.705. Home Improvement Loans |
| § 91.706. Home Equity Loans |
| § 91.707. Reverse Mortgages |
| § 91.708. Real Estate Appraisals or Evaluations |
| § 91.709. Member Business and Commercial Loans |
| § 91.710. Overdraft Protection |
| § 91.711. Purchase and Sale of Member Loans |
| § 91.712. Plastic Cards |
| § 91.713. Indirect Lending |
| § 91.714. Leasing |
| § 91.715. Exceptions to the General Lending Policies |
| § 91.716. Prohibited Fees |
| § 91.717. More Stringent Restrictions |
| § 91.718. Charging Off or Setting Up Reserves |
| § 91.719. Loans to Officials and Senior Management Employees |
| § 91.720. Small-Dollar, Short-Term Credit |
| SUBCHAPTER H. INVESTMENTS |
| § 91.801. Investments in Credit Union Service Organizations |
| § 91.802. Other Investments |
| § 91.803. Investment Limits and Prohibitions |
| § 91.804. Custody And Safekeeping |
| § 91.805. Loan Participation Investments |
| § 91.808. Reporting Investment Activities to the Board of Directors |
| § 91.809. Purchase of Assets and Assumption of Liabilities |
| SUBCHAPTER I. RESERVES AND DIVIDENDS |
| § 91.901. Reserve Requirements |
| § 91.902. Dividends |
| SUBCHAPTER J. CHANGES IN CORPORATE STATUS |
| § 91.1003. Mergers/Consolidations |
| § 91.1005. Conversion to a Texas Credit Union |
| § 91.1006. Conversions to a Federal or Out-of-State Credit Union |
| § 91.1007. Conversion to a Mutual Savings Institution |
| § 91.1008. Conversion Voting Procedures and Restrictions; Filing Requirements |
| § 91.1010. Voluntary Liquidation |
| SUBCHAPTER K. CREDIT UNION DEVELOPMENT DISTRICTS |
| § 91.2000. Purpose and Scope |
| § 91.2001. Definitions |
| § 91.2002. Application Requirements to Establish a District |
| § 91.2003. Submission and Processing of Application |
| § 91.2004. Criteria for Approval of a District by the Commission |
| § 91.2005. Monitoring |
| § 91.2006. Rulemaking and Amendment for this Subchapter |
| SUBCHAPTER L. SUBMISSION OF COMMENTS BY INTERESTED PARTIES |
| § 91.3001. Opportunity To Submit Comments on Certain Applications |
| § 91.3002. Conduct of Meetings To Receive Comments |
| SUBCHAPTER M. ELECTRONIC OPERATIONS |
| § 91.4001. Authority to Conduct Electronic Operations |
| § 91.4002. Transactional Web Site Notice Requirement; and Security Review |
| SUBCHAPTER N. EMERGENCY OR PERMANENT CLOSING OF OFFICE OR OPERATION |
| § 91.5001. Emergency Closing |
| § 91.5002. Effect of Closing |
| § 91.5005. Permanent Closing of an Office |
| SUBCHAPTER O. TRUST POWERS |
| § 91.6001. Fiduciary Duties |
| § 91.6002. Fiduciary Capacities |
| § 91.6003. Notice Requirements |
| § 91.6004. Exercise of Fiduciary Powers |
| § 91.6005. Exemption from Notice |
| § 91.6006. Policies and Procedures |
| § 91.6007. Review of Fiduciary Accounts |
| § 91.6008. Recordkeeping |
| § 91.6009. Audit |
| § 91.6010. Custody of Fiduciary Assets |
| § 91.6011. Trust Funds |
| § 91.6012. Compensation, Gifts, and Bequests |
| § 91.6013. Bond Coverage |
| § 91.6014. Errors and Omissions Insurance |
| § 91.6015. Litigation File |
| SUBCHAPTER P. OTHER FORMS OF EQUITY CAPITAL |
| § 91.7000. Certificates of Indebtedness |
| SUBCHAPTER Q. ACCESS TO CONFIDENTIAL INFORMATION |
| § 91.8000. Discovery of Confidential Information |