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60 Ibid, Part 13, Annex 1(C)(3).

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64 Ryder, above n 49, at 154–155

65 Credit Unions Act 1979, s 1(2)(b).

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76 Ibid, Part 10.3.3 and 10.3.4.

77 Ibid, Part 10.3.6.

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92 HM Treasury, above n 81, para 38.

93 Treasury, HM Proposed Amendments to the Credit Unions Act 1979 – A Consultation Document (London: HM Treasury, 1999)Google Scholar at Annex 2, para 15.

94 Ibid.

95 Ibid.

96 HM Treasury Enhanced Role for Credit Unions HM Treasury Press Release (16 November 1999, available at http://www.hm-treasury.gov.uk.

97 Financial Services Authority Credit Unions: Time to Stop Being Best Kept Secret Financial Services Authority Press Release (3 March 2000), available at http://www.fsa.gov.uk.

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126 Jones, above n 43, at 13.

127 Financial Services Authority Speech by Howard Davies ABCUL Annual Conference Annual General Meeting (3 March 2000), available at http://www.fsa.gov.uk.

128 Jones, above n 43, at 13.

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135 Thomas, above n 130, p 17.

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140 Wales Cooperative Centre Final Report on Credit Union National Project (Cardiff: Wales Cooperative Centre, 2004) at p 3.Google Scholar

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142 National Assembly for Wales Social Justice Report 2006 (Cardiff: National Assembly for Wales, 2007) at p 66.Google Scholar

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147 Scottish Executive Credit Union Services Extended Under New Scheme Scottish Executive Press Release (13 February 2006), available at http://www.scotland.gov.

148 These figures were taken from HM Treasury, above n 83, para 18 and compared with statistics from Financial Services Authority, above n 44, p 2.

149 HM Treasury, above n 3, p 1.

150 Ibid, p 1.

151 McKillop et.al, above n 23, at 39.

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156 Ibid.

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165 Public Law 99–604, 6 November 1986.

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171 The information can be obtained from the Community Development Financial Institutions Fund searchable award database, available at http://www.cdfifund.gov.

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176 HM Treasury, above n 83, para 49.

177 The primary role of the CSO is to provide business products and services in order to give credit unions the scale economies they need to offer a broader range of services.

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184 Ibid.

185 Registry of Friendly Societies, above n 181.

186 Ibid.

187 J Smyth ‘Credit union rift widens as computer costs rise’ The Irish Times 7 July 2000, available at http://www.ireland.com.

188 J O'Sullivan ‘Computer debacle at Irish Credit League Union to cost £27 million’ The Irish Times 10 February, available at http://www.ireland.com.

189 C Keena ‘Credit unions must develop IT despite ISIS The Irish Times (undated), available at http://www.ireland.com.

190 Sibbald et.al, above n 47, at 407.

191 Irish League of Credit Unions The Time for Change – Report of Review Commission (Dublin: Irish League of Credit Unions, 2002).Google Scholar

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193 C Keena ‘Credit unions must unite’ The Irish Times 27 April 2001, available at http://www.ireland.com.

194 Sibbald et.al, above n 47, at 407.

195 Ibid.

196 Hannafin and McKillop, above n 106, at 59.

197 HM Treasury Speech by Melanie Johnson MP, Economic Secretary to the Treasury, NPI Conference on Tackling Financial Exclusion (12 April 2000), available at http://www.hm-treasury.gov.uk

198 Column 72WH, 18 July 2001, Melanie Johnson MP.

199 Column 88WH, 18 July 2001, Melanie Johnson MP.

200 The banks were the Alliance and Leicester, the Bank of Scotland, Barclays, Cooperative Bank, Halifax, HSBC, Lloyds TSB, MBNA International, Natwest, National Australia Group, RBA and Unit Trust.

201 Association of British Credit Unions Limited CSO Update Association of British Credit Unions Limited Press Release (6 December 2001), available at http://www.abcul.coop.

202 As cited in Jones, above n 43, at 13.

203 See World Council of Credit Unions, above n 44, p 4. For a more detailed commentary on the development of credit unions in Canada, see Axworthy, C Credit unions in Canada – the dilemma of success’ (1981) 31(1) University of Toronto Law Journal 72.CrossRefGoogle Scholar

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205 Ryder, above n 40, at 9–11.

206 Ibid.

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210 World Council of Credit Unions, above n 44, p 4.

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