The provided legal document content covers a wide range of topics related to state-chartered credit unions in Missouri. It includes rules governing the frequency of credit union examinations, the accounting system to be utilized by credit unions, the use of advertising and assumed names, membership requirements, surety bond coverage, standards for newly chartered credit unions, lending policies, borrowing and lending to other credit unions, allowance for loan loss account, reporting requirements for delinquent loans, liquidation procedures, merger and consolidation procedures, offering additional financial services, investing in or lending to credit union service organizations, handling inactive accounts, audit requirements, investments in savings and loan associations and savings banks, acceptable investments for credit unions, call report submission requirements, audits by supervisory committee, special share and thrift accounts, acceptance of public funds, limitations on deposits from external sources, federal requirements for credit unions, and removal or suspension of officers and directors.

The provided legal document acknowledges the statutory requirement for federal deposit insurance on all credit union member accounts. It states that every credit union is required to obtain and maintain deposit insurance from the National Credit Union Share Insurance Fund (NCUSIF). The document specifies that all applications for insurance should be submitted to the Division of Credit Unions for review and transmittal to the appropriate insurer. The authority for this requirement is section 370.

This document authorizes state credit unions in Missouri to use an ATM network exchange for electronic funds transfer and information exchange. It establishes guidelines for the use of ATMs at locations other than credit union premises. The document requires credit unions to provide a ten-day prior notice to the director of the Division of Credit Unions and submit the agreement between the credit union and the interchange. It allows the use of the ATM network interchange located in Missouri to access accounts located in this state or any other state.

The provided legal document authorizes state credit unions in Missouri to use an ATM network exchange for electronic funds transfer and information exchange. It establishes guidelines for the use of ATMs at locations other than credit union premises. Credit unions are required to provide a ten-day prior notice to the director of the Division of Credit Unions and submit the agreement between the credit union and the interchange. The document allows the use of the ATM network interchange located in Missouri to access accounts located in this state or any other state.

The provided legal document content pertains to the Credit Union Membership and Chartering in Missouri. It defines several terms used in Missouri credit union law, including ‘well defined local neighborhood, community or rural district’, ‘immediate family’, ‘household’, ‘underserved community’, and ’low income area’. The document specifies the authority for this rule and its filing history. It also provides the criteria for determining whether an area qualifies as a low-income or underserved community for credit unions operating in Missouri.

This legal document establishes the rules of procedure for hearings before the State Banking Board. The State Banking Board is responsible for determining appeals from certain decisions made by the commissioner of finance, providing advice on banking matters to the Division of Finance, and approving regulations promulgated by the commissioner of finance. The board is composed of five individuals appointed by the governor, including two bankers, two nonbankers, and one attorney.

The Division of Finance, under the Missouri Code of State Regulations, is responsible for regulating various financial institutions and businesses. These include state-chartered banks and trust companies, state-chartered savings and loan companies, consumer credit lenders or small loan companies, financing institutions subject to the Financing Institution Licensing Law, sales finance companies subject to the Motor Vehicle Time Sales Law, sale of checks (money order) companies, mortgage broker companies, title loan companies, payday loan companies, and development finance corporations organized under Chapter 371, RSMo.

The provided legal document outlines the obligations and requirements for holding companies that intend to acquire a bank in Missouri. It specifies that holding companies must comply with section 362.915, RSMo, which sets a maximum size for growth through acquisition. The director of finance is responsible for determining if the proposed acquisition is permitted under section 362.915, RSMo and must provide findings within 30 days of receiving the necessary information. Holding companies are required to provide the director with the required information, regardless of whether an application is required by the Board of Governors of the Federal Reserve System.

The provided legal document content covers various aspects related to banks and trust companies in the state of Missouri. It includes rules and regulations governing the operation of state-chartered banks and trust companies, as well as guidelines for specific activities and investments. The documents address topics such as the operation of insurance agencies by state-chartered banks, the purchase of bank-owned life insurance, investments in real estate development corporations, loan limits, trust accounts, fiduciary investments, marketing policies, automated teller machines (ATMs), financial subsidiaries, preservation of books and records, and lease financing limited partnerships.

This regulation governs the operation of electronic fund transfer systems by associations. It defines key terms such as electronic fund transfer system, personal security identifier (PSI), and remote service unit (RSU). The regulation allows associations to establish and use RSUs on an unrestricted geographic basis, subject to the requirements of the Electronic Fund Transfer Act and Regulation E of the Federal Reserve Board. It also sets requirements for RSU access techniques, privacy of account data, security measures, supervision of RSUs, and home banking services.