In addition to the letters from the New York Credit Union Association, legislators receive letters from other organizations, such as the National Credit Union Association (NCUA) and the banking department of New York State. Below are some recent opinion letters addressing issues of interest to our member credit unions.

NCUA Opinion Letters
Current Year Opinion Letters 

New York State Opinion Letters
Auto Leasing Programs
Participation Loans
Incidental Powers 
Access to Home Equity Line of Credit
Credit Union Agent Licensing
Debt Cancellation Contract and Debt Suspension
Deferred Compensation Plans
Definition of Common Employer
HELOC Access Cards
Incentive GAP Insurance Sales
Income from Joint Marketing Agreements
Insurance Agency Brokerage Subsidiaries of Credit Unions
Investing in FCU by CO-OP Property Casualty Insurance Companies
Long Term Care Insurance for Officials
Maintaining Premium Accounts in Credit Unions
MTA Payroll Tax
Payment of Referral Fees
Tax Levies