Texas Credit Union Act
Texas · FI · §§ 121.001 to 149.002 · 219 sections
Overview
The act governs the chartering, regulation, and internal governance of credit unions — member-owned cooperative financial institutions organized under state law. It establishes how a credit union is formed, running from the application and articles of incorporation through investigation and approval by the state regulator, with an appeal to a supervisory commission, and it sets conditions for commencing business, amending governing documents, maintaining offices, and admitting credit unions chartered elsewhere. It further defines who may become a member and how members vote, prescribes the election, qualification, compensation, bonding, and indemnification of directors and officers along with conflict-of-interest limits, and imposes ongoing reporting, audit, capital, and reserve requirements.
Editorial summary generated from the text of this act. It is not part of the statute — read the sections below for the operative language.
In the courts
Sections of this act have been cited in 2 court decisions.
Most-cited authority: 367 F. Supp. 2d 1056 - United States v. Doviak
Sections covered
- Tex. Fin. Code § 121.001SHORT TITLE
- Tex. Fin. Code § 121.0011POLICY
- Tex. Fin. Code § 121.002DEFINITIONS
- Tex. Fin. Code § 121.003CREDIT UNIONS SUBJECT TO SUBTITLE
- Tex. Fin. Code § 121.004LIBERAL CONSTRUCTION
- Tex. Fin. Code § 121.005HEARINGS
- Tex. Fin. Code § 121.006PROCEDURE AND RULES APPLICABLE TO CERTAIN PROCEEDINGS
- Tex. Fin. Code § 122.001APPLICATION TO INCORPORATE
- Tex. Fin. Code § 122.002STANDARD ARTICLES OF INCORPORATION AND BYLAWS
- Tex. Fin. Code § 122.003CORPORATE NAME; CRIMINAL PENALTY
- Tex. Fin. Code § 122.004INVESTIGATION BY COMMISSIONER
- Tex. Fin. Code § 122.005PROCEDURE FOR CERTAIN APPROVALS
- Tex. Fin. Code § 122.006DECISION ON APPLICATION TO INCORPORATE; ISSUANCE OF CERTIFICATE
- Tex. Fin. Code § 122.007APPEAL TO COMMISSION
- Tex. Fin. Code § 122.008EFFECT OF ISSUANCE OF CERTIFICATE OF INCORPORATION
- Tex. Fin. Code § 122.009REQUIREMENTS FOR COMMENCING BUSINESS
- Tex. Fin. Code § 122.010DEADLINE FOR COMMENCING BUSINESS
- Tex. Fin. Code § 122.011AMENDMENT OF ARTICLES OF INCORPORATION OR BYLAWS
- Tex. Fin. Code § 122.012PLACE OF BUSINESS
- Tex. Fin. Code § 122.013FOREIGN CREDIT UNIONS
- Tex. Fin. Code § 122.0131TEMPORARY FOREIGN CREDIT UNION OFFICE
- Tex. Fin. Code § 122.014UNDERSERVED-AREA CREDIT UNION
- Tex. Fin. Code § 122.051MEMBERSHIP
- Tex. Fin. Code § 122.052MEETINGS OF MEMBERS; VOTING
- Tex. Fin. Code § 122.053BOARD OF DIRECTORS; TERMS AND DUTIES
- Tex. Fin. Code § 122.054QUALIFICATION OF DIRECTORS
- Tex. Fin. Code § 122.055VACANCIES; REMOVAL
- Tex. Fin. Code § 122.056HONORARY OR ADVISORY DIRECTORS
- Tex. Fin. Code § 122.057OFFICERS; EXECUTIVE COMMITTEE
- Tex. Fin. Code § 122.058CHIEF EXECUTIVE OFFICER
- Tex. Fin. Code § 122.059DELEGATION OF MANAGEMENT AND LOAN APPROVAL AUTHORITY
- Tex. Fin. Code § 122.060CERTIFICATE OF ELECTION
- Tex. Fin. Code § 122.061CONFLICTS OF INTEREST
- Tex. Fin. Code § 122.062COMPENSATION
- Tex. Fin. Code § 122.063BOND
- Tex. Fin. Code § 122.064INDEMNIFICATION
- Tex. Fin. Code § 122.101CALL REPORTS
- Tex. Fin. Code § 122.102FINANCIAL REPORTING; AUDITS
- Tex. Fin. Code § 122.103EQUITY CAPITAL
- Tex. Fin. Code § 122.104NET WORTH RESERVE ALLOCATIONS
- Tex. Fin. Code § 122.105MEMBERSHIP SHARE REDUCTION
- Tex. Fin. Code § 122.106EXEMPTION FROM CERTAIN TAXES
- Tex. Fin. Code § 122.107NOTICE OF AVAILABILITY OF CERTAIN DOCUMENTS
- Tex. Fin. Code § 122.151AUTHORITY TO MERGE OR CONSOLIDATE
- Tex. Fin. Code § 122.152APPLICATION TO MERGE OR CONSOLIDATE
- Tex. Fin. Code § 122.153DECISION BY COMMISSIONER; APPEAL
- Tex. Fin. Code § 122.1531CONSIDERATIONS IN DETERMINATION
- Tex. Fin. Code § 122.154PROPERTY, OBLIGATIONS, AND LIABILITIES OF MERGED OR CONSOLIDATED CREDIT UNION
- Tex. Fin. Code § 122.155CONSTRUCTION OF SUBCHAPTER
- Tex. Fin. Code § 122.156RULES TO ADDRESS CERTAIN PROCEDURES
- Tex. Fin. Code § 122.201CONVERSION OF STATE CREDIT UNION TO FEDERAL CREDIT UNION
- Tex. Fin. Code § 122.202CONVERSION OF STATE CREDIT UNION TO OUT-OF-STATE CREDIT UNION
- Tex. Fin. Code § 122.203CONVERSION OF FEDERAL OR OUT-OF-STATE CREDIT UNION TO STATE CREDIT UNION
- Tex. Fin. Code § 122.251DEFAMATION
- Tex. Fin. Code § 122.252CONSIDERATION FOR LOAN, INVESTMENT, OR PURCHASE
- Tex. Fin. Code § 122.253LOAN TO NONMEMBER
- Tex. Fin. Code § 122.254FALSE STATEMENTS OR DOCUMENTS; DESTRUCTION OF RECORDS
- Tex. Fin. Code § 122.255DETERMINATION OF MISCONDUCT
- Tex. Fin. Code § 122.256DETERMINATION LETTER; BOARD MEETING
- Tex. Fin. Code § 122.257CEASE AND DESIST ORDER FOR CREDIT UNIONS
- Tex. Fin. Code § 122.2575CEASE AND DESIST ORDER FOR OTHER PERSONS
- Tex. Fin. Code § 122.258REMOVAL ORDER
- Tex. Fin. Code § 122.259HEARING ON APPEAL OF PROPOSED ORDER
- Tex. Fin. Code § 122.260ADMINISTRATIVE PENALTY; INJUNCTION
- Tex. Fin. Code § 122.261CONFIDENTIALITY
- Tex. Fin. Code § 123.001GENERAL POWERS
- Tex. Fin. Code § 123.002INCIDENTAL POWERS
- Tex. Fin. Code § 123.003ENLARGEMENT OF POWERS
- Tex. Fin. Code § 123.101CONTRACTS
- Tex. Fin. Code § 123.102POWER TO SUE AND DEFEND
- Tex. Fin. Code § 123.103PURCHASE AND SALE OF PROPERTY
- Tex. Fin. Code § 123.104MEMBERSHIP IN OTHER ORGANIZATION; OPERATION AS CENTRAL CREDIT UNION
- Tex. Fin. Code § 123.105FEES
- Tex. Fin. Code § 123.106CHANGE OF LOCATION
- Tex. Fin. Code § 123.107INSURANCE FOR MEMBERS
- Tex. Fin. Code § 123.108DONATIONS
- Tex. Fin. Code § 123.109SEAL
- Tex. Fin. Code § 123.110RECORDS
- Tex. Fin. Code § 123.111RIGHT TO ACT TO MITIGATE OR AVOID LOSS
- Tex. Fin. Code § 123.201POWER TO BORROW OR LEND
- Tex. Fin. Code § 123.202RECEIPT, TRANSFER, AND PAYMENT OF MONEY
- Tex. Fin. Code § 123.203ACCEPTANCE OF MONEY FOR DEPOSIT FROM ANOTHER ENTITY
- Tex. Fin. Code § 123.204ACTION AS AGENT OR DEPOSITORY OF UNITED STATES OR OTHER GOVERNMENTAL ENTITY
- Tex. Fin. Code § 123.205INVESTMENTS AND SECURITIES
- Tex. Fin. Code § 123.206ACTION AS FISCAL OR TRANSFER AGENT; TRANSFER OF CERTAIN INSTRUMENTS; SIGNATURES
- Tex. Fin. Code § 123.207FIDUCIARY POWERS
- Tex. Fin. Code § 123.208DIVIDENDS AND INTEREST
- Tex. Fin. Code § 123.209TRANSFER SYSTEM
- Tex. Fin. Code § 123.210SALE OF CERTAIN INSTRUMENTS OR SECURITIES; FEE
- Tex. Fin. Code § 123.211CERTIFICATES OF INDEBTEDNESS
- Tex. Fin. Code § 123.212CHECK AND MONEY TRANSFER SERVICES
- Tex. Fin. Code § 124.001AUTHORIZATION
- Tex. Fin. Code § 124.002LIMITATIONS ON INTEREST RATES
- Tex. Fin. Code § 124.003LIMITATIONS ON LOANS
- Tex. Fin. Code § 124.004WRITTEN INSTRUMENT REQUIRED
- Tex. Fin. Code § 124.005APPLICABILITY OF OTHER LAW
- Tex. Fin. Code § 124.051OPEN-END CREDIT PLAN
- Tex. Fin. Code § 124.052LINE OF CREDIT
- Tex. Fin. Code § 124.053ADDITIONAL LOAN APPLICATION NOT REQUIRED
- Tex. Fin. Code § 124.101BORROWER PAYMENT OF LOAN EXPENSES
- Tex. Fin. Code § 124.102COLLECTION OF LOAN EXPENSES
- Tex. Fin. Code § 124.103CHARACTER OF EXPENSE OR FEE
- Tex. Fin. Code § 124.151PREPAYMENT PRIVILEGE
- Tex. Fin. Code § 124.152CONDITIONS FOR PREPAYMENT OF LOAN SECURED BY REAL PROPERTY
- Tex. Fin. Code § 124.153PENALTY FOR LATE PAYMENT
- Tex. Fin. Code § 124.201AUTHORIZATION
- Tex. Fin. Code § 124.202CONDITIONS OF LOANS
- Tex. Fin. Code § 124.203AUTHORIZATION TO ACT AS COMAKER, GUARANTOR, OR ENDORSER
- Tex. Fin. Code § 124.204PRIOR APPROVAL REQUIRED
- Tex. Fin. Code § 124.251ILLEGALITY OF LOAN NOT A DEFENSE
- Tex. Fin. Code § 124.252ILLEGALITY OF LOAN NOT A BAR TO ENFORCEMENT OR COLLECTION
- Tex. Fin. Code § 124.301PARTICIPATION LOANS
- Tex. Fin. Code § 124.302GOVERNMENT LOAN PROGRAMS
- Tex. Fin. Code § 124.351PERMITTED INVESTMENTS
- Tex. Fin. Code § 124.352LIMITATIONS ON INVESTMENTS
- Tex. Fin. Code § 125.001DEFINITION
- Tex. Fin. Code § 125.002SHARE ACCOUNT
- Tex. Fin. Code § 125.003DEPOSIT ACCOUNTS
- Tex. Fin. Code § 125.004CONSTRUCTION WITH OTHER LAWS
- Tex. Fin. Code § 125.101FORM OF ACCOUNT
- Tex. Fin. Code § 125.102POWERS OF ACCOUNT HOLDERS
- Tex. Fin. Code § 125.103POWERS OF MEMBERS RELATING TO ACCOUNT
- Tex. Fin. Code § 125.104OWNERSHIP INTEREST
- Tex. Fin. Code § 125.105DISCHARGE OF LIABILITY ON PAYMENT
- Tex. Fin. Code § 125.106DIVISION OF ACCOUNT ON DEATH
- Tex. Fin. Code § 125.107SETOFF OF ACCOUNT
- Tex. Fin. Code § 125.201POWERS OF CREDIT UNION RELATING TO ACCOUNT
- Tex. Fin. Code § 125.202VOTING; OFFICE-HOLDING
- Tex. Fin. Code § 125.203DISCHARGE OF LIABILITY ON PAYMENT; EFFECT ON MINOR OF REQUIRED ACTION
- Tex. Fin. Code § 125.301FORM OF ACCOUNT
- Tex. Fin. Code § 125.302LOANS TO NONMEMBER TRUSTEE
- Tex. Fin. Code § 125.303BENEFICIARY FEES
- Tex. Fin. Code § 125.304LIMITATIONS PLACED ON BENEFICIARY
- Tex. Fin. Code § 125.305ACCOUNT TRANSACTION INQUIRIES
- Tex. Fin. Code § 125.306DISCHARGE OF LIABILITY ON PAYMENT
- Tex. Fin. Code § 125.307TERMINATION OF ACCOUNT
- Tex. Fin. Code § 125.308EFFECT OF DEATH OF TRUSTEE ON ACCOUNT
- Tex. Fin. Code § 125.309TRUST ACCOUNT WITH LIMITED DOCUMENTATION
- Tex. Fin. Code § 125.401THIRD-PARTY CLAIM
- Tex. Fin. Code § 125.402DISCLOSURE OF RECORDS OF MEMBER; CONFIDENTIALITY
- Tex. Fin. Code § 125.403RECOVERY OF DOCUMENT PRODUCTION EXPENSES FROM THIRD PARTY
- Tex. Fin. Code § 125.404LIENS AND SETOFFS1 cite
- Tex. Fin. Code § 125.405ACCOUNT WITHDRAWALS1 cite
- Tex. Fin. Code § 125.501RENTAL OF SAFE DEPOSIT BOX
- Tex. Fin. Code § 125.502RELATIONSHIP BETWEEN CREDIT UNION AND BOX HOLDER
- Tex. Fin. Code § 125.503ACCESS BY MORE THAN ONE PERSON
- Tex. Fin. Code § 125.504RELOCATION OF SAFE DEPOSIT BOX; INVENTORY OF CONTENTS
- Tex. Fin. Code § 125.505NOTICE OF BOX RELOCATION
- Tex. Fin. Code § 125.506COST OF NOTICE AS BOX RENTAL
- Tex. Fin. Code § 125.507EMERGENCY RELOCATION OF SAFE DEPOSIT BOX
- Tex. Fin. Code § 125.508KEY IMPRINTING
- Tex. Fin. Code § 125.509LIABILITY FOR ACCESS TO OR REMOVAL OF CONTENTS
- Tex. Fin. Code § 125.510DELINQUENT RENTS
- Tex. Fin. Code § 125.511AUCTION OF CONTENTS
- Tex. Fin. Code § 126.001APPOINTMENT OF CONSERVATOR OR LIQUIDATING AGENT
- Tex. Fin. Code § 126.002CONFIDENTIALITY OF INFORMATION
- Tex. Fin. Code § 126.003ENFORCEABILITY OF AGREEMENT MADE BY CREDIT UNION BEFORE CONSERVATORSHIP OR LIQUIDATION
- Tex. Fin. Code § 126.051EXAMINATIONS
- Tex. Fin. Code § 126.052ACCESS TO INFORMATION
- Tex. Fin. Code § 126.053WITNESSES; PRODUCTION OF DOCUMENTS
- Tex. Fin. Code § 126.054REPORT OF EXAMINATION
- Tex. Fin. Code § 126.055FEE
- Tex. Fin. Code § 126.101CONSERVATORSHIP ORDER; APPOINTMENT OF CONSERVATOR
- Tex. Fin. Code § 126.102SERVICE OF ORDER
- Tex. Fin. Code § 126.103EFFECT OF ORDER
- Tex. Fin. Code § 126.105APPEAL OF ORDER; HEARING
- Tex. Fin. Code § 126.106FAILURE TO APPEAL OR APPEAR
- Tex. Fin. Code § 126.107EXTENSION OF DATE AND TIME FOR HEARING
- Tex. Fin. Code § 126.108CONFIDENTIALITY; DISCLOSURE
- Tex. Fin. Code § 126.151CONSERVATOR SUBJECT TO COMMISSION CONTROL
- Tex. Fin. Code § 126.152GENERAL POWERS OF CONSERVATOR
- Tex. Fin. Code § 126.153POWERS RELATING TO CLAIMS
- Tex. Fin. Code § 126.154POWER TO REPUDIATE BURDENSOME TRANSACTION
- Tex. Fin. Code § 126.155POWER TO PROTECT, PRESERVE, AND RECOVER PROPERTY
- Tex. Fin. Code § 126.156DUTIES OF CONSERVATOR
- Tex. Fin. Code § 126.157TERM OF CONSERVATOR
- Tex. Fin. Code § 126.158TRANSFER OF MANAGEMENT OF REHABILITATED CREDIT UNION
- Tex. Fin. Code § 126.159COST OF CONSERVATORSHIP
- Tex. Fin. Code § 126.160JURISDICTION AND VENUE
- Tex. Fin. Code § 126.161EXHAUSTION OF ADMINISTRATIVE REMEDIES
- Tex. Fin. Code § 126.201LIQUIDATION ORDER; APPOINTMENT OF LIQUIDATING AGENT
- Tex. Fin. Code § 126.202SERVICE OF ORDER
- Tex. Fin. Code § 126.203SUIT FOR INJUNCTION
- Tex. Fin. Code § 126.204ACTION PENDING INJUNCTION HEARING
- Tex. Fin. Code § 126.205HEARING ON INJUNCTION; APPEAL
- Tex. Fin. Code § 126.206NATIONAL CREDIT UNION ADMINISTRATION AS LIQUIDATING AGENT
- Tex. Fin. Code § 126.251PERMISSIBLE ACTIVITIES IN LIQUIDATION
- Tex. Fin. Code § 126.252COMPENSATION OF CREDIT UNION EMPLOYEES AND OFFICERS
- Tex. Fin. Code § 126.253LIQUIDATING AGENT SUBJECT TO COMMISSION CONTROL
- Tex. Fin. Code § 126.254POSSESSION, CONSOLIDATION, AND DISPOSITION OF ASSETS
- Tex. Fin. Code § 126.255COMPOUND DEBTS
- Tex. Fin. Code § 126.256COURT ACTION BY LIQUIDATING AGENT
- Tex. Fin. Code § 126.257REPUDIATION OF BURDENSOME TRANSACTIONS
- Tex. Fin. Code § 126.258EXECUTION OF DOCUMENTS; OTHER NECESSARY ACTS
- Tex. Fin. Code § 126.259JURISDICTION AND VENUE
- Tex. Fin. Code § 126.260EXHAUSTION OF ADMINISTRATIVE REMEDIES
- Tex. Fin. Code § 126.301CLAIMS AGAINST CREDIT UNION
- Tex. Fin. Code § 126.302NOTICE TO CREDITORS AND MEMBERS
- Tex. Fin. Code § 126.303PRIORITY OF CLAIMS
- Tex. Fin. Code § 126.304LIQUIDATION DIVIDENDS
- Tex. Fin. Code § 126.305PAYMENT OF CLAIMS IN "NO PUBLICATION" LIQUIDATION
- Tex. Fin. Code § 126.306BARRED CLAIMS
- Tex. Fin. Code § 126.351REMOVAL OF LIQUIDATING AGENT
- Tex. Fin. Code § 126.352REPLACEMENT OF LIQUIDATING AGENT
- Tex. Fin. Code § 126.353CONFLICT OF INTEREST
- Tex. Fin. Code § 126.354COMPENSATION
- Tex. Fin. Code § 126.401CERTIFICATE OF LIQUIDATION AND DISTRIBUTION
- Tex. Fin. Code § 126.402CANCELLATION OF CERTIFICATE OF INCORPORATION
- Tex. Fin. Code § 126.403WINDING UP OF CREDIT UNION BUSINESS
- Tex. Fin. Code § 126.451BOARD RESOLUTION
- Tex. Fin. Code § 126.452NOTIFICATION TO COMMISSIONER OF PROPOSED LIQUIDATION
- Tex. Fin. Code § 126.453NOTICE OF MEETING TO LIQUIDATE
- Tex. Fin. Code § 126.454CREDIT UNION OPERATIONS BEFORE AND AFTER VOTE
- Tex. Fin. Code § 126.455VOTE ON VOLUNTARY LIQUIDATION
- Tex. Fin. Code § 126.456NOTICE TO COMMISSIONER OF AFFIRMATIVE VOTE TO LIQUIDATE
- Tex. Fin. Code § 126.457APPOINTMENT OF LIQUIDATING AGENT
- Tex. Fin. Code § 126.458APPLICATION OF LAW TO CREDIT UNION IN VOLUNTARY LIQUIDATION
- Tex. Fin. Code § 149.001APPLICABILITY OF CHAPTERS 3 AND 4, BUSINESS & COMMERCE CODE
- Tex. Fin. Code § 149.002EXEMPTION FROM SECURITIES LAWS
Enacted in other states
Connecticut, Florida, Iowa, Idaho, Illinois, Maryland, Montana, Nebraska, New Hampshire, New Mexico, Oregon, South Carolina
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