| Credit unions as accountable financial institutions Einwand1 #405010 In the US, a credit union is not governed by national laws instead the accountability transfers to each state. No single means of implementation nor governance exist. A person doing business as a consumer or buyer for individual or personal use has no way to hold any business or seller accountable for the offers or purchase. Laws without enforcement are a waste of resources without any value to the consumers.Nations cannot govern the rights and liberties of the people.
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