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National Credit Union Administration v. First National Bank & Trust Co.
''NCUA v. First National Bank & Trust'', , is a legal case in which the Supreme Court of the United States ruled that banks had prudential standing to challenge regulations that permitted credit unions to enroll unaffilated members.
== Background ==
The case involves the Federal Credit Union Act, 12 U.S.C. §§ 1751 -1759k, which limits federal credit union membership to “groups having a common bond of occupation or association, or to groups within a well-defined neighborhood, community or rural district.” 12 U.S.C. § 1759. There are three permitted types of common bonds: occupational, associational, and community. Until 1982, federal credit unions formed along occupational lines consisted of the employees of one employer. In 1982, NCUA announced a multiple group occupational credit union policy that resulted in large, interstate, credit unions that offer banks competition for consumer products and services.
Because of their mutual form of ownership, credit unions are not subject to corporate taxes. Banks argue that since credit unions do not pay taxes, they may offer consumer banking products at prices lower than banks and thrifts. Credit unions do not come under the requirements of the Community Reinvestment Act, 12 U.S. C. §§ 2901 -2906, as they solely lend to their membership.
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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