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Department of Finance and Treasury Board - Financial institutions

Credit Union: Incorporation (and Registration)

Who Needs This Incorporation (and Registration)?
  Any group wishing to start a credit union in Nova Scotia must apply to the Nova Scotia Superintendent of Credit Unions for incorporation.

The Province maintains a Registry of all Credit Unions authorized to do business in Nova Scotia.
Issuing Department / Agency:
  Nova Scotia Department of Finance and Treasury Board .
Where can you get this licence and / or further information?
  Financial Institutions Division
NS Department of Finance and Treasury Board

Tel: 902-424-6331
Fax: 902-424-1298


Office Location:
Provincial Building
1723 Hollis Street, 4th Floor
Halifax, NS  B3J 1V9

Mailing Address:
PO Box 2271
Halifax, NS B3J 3C8

Application Forms & Process:
  In order to incorporate (and register) a Credit Union, please contact the Financial Institutions Division by visiting or writing the office listed above.

Articles of Incorporation and proposed Charter Bylaws, can be obtained from the Financial Institutions Division of Nova Scotia Department of Finance and Treasury Board listed above. The completed application is filed with the Superintendent of Credit Unions, who must be satisfied that the credit union would provide a public benefit, is not objectionable, and would be financially successful.

Upon completion, the registration and approved documents are returned to the registered office of the credit union by the Superintendent of Credit Unions.

Waiting Period:
  10 business days
Provided that all the items that must accompany the application have been received
Expiry & Renewal:
  This incorporation does not expire. However, credit unions make annual filings with the Superintendent of Credit Unions.
Price: (No tax is charged)
  Incorporation: $257.65

Please pay by cheque or money order made out to the Minister of Finance.

Related Requirements:
  The business must have:

(1) registration under the Mortgage Brokers and Lenders Registration Act; and

(2) registration under the Consumer Protection Act.

  Credit Unions are also listed with the Nova Scotia Registry of Joint Stock Companies .

Additional information and assistance is available through the Atlantic Central of Nova Scotia. Contact can be arranged by the contact information above.

Legislative Authority:
  Credit Union Act, Statutes of Nova Scotia, 1994, Chapter 4

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