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    Disclosure of members access to credit union documents

    Upon request, a member is entitled to review or receive a copy of the most recent version of the following credit union documents:

    1. balance sheet and income statement (the non-confidential pages of the latest call report may be given to meet this requirement);
    2. a summary of the most recent annual audit completed in accordance with ยง91.516 of this chapter (relating to Audits and Verifications);
    3. written board policy regarding access to the articles of incorporation, bylaws, rules, guidelines, board policies, and copies thereof; and
    4. Internal Revenue Service Form 990.


    This credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If you have a dispute with Smart Financial Credit Union, you should first contact us at:

    Smart Financial Credit Union
    P.O. Box 920719
    Houston, Texas 77292-0719

    If the dispute is not resolved to your satisfaction, you may file a complaint against the credit union by contacting the Texas Credit Union Department through one of the means indicated below: By U.S. Mail: 914 East Anderson Lane, Austin, Texas 78752-1699, Telephone Number: (512) 837-9236, Website: www.cud.texas.gov.


    Federal law, the Unlawful Internet Gambling Enforcement Act of 2006, and implementing regulations prohibit commercial members from receiving deposits or other credits of any kind relating to their operation of an illegal Internet gambling business. Smart Financial Credit Union is required to enforce that prohibition.

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