Legal
Not legal advice
DRAFT for counsel review. Not yet adopted.
Innorve Academy teaches credit-union staff how to use and oversee AI. It explains laws, regulations and guidance so that you can ask better questions. It does not answer those questions for your credit union.
We label every source
Not every source carries the same weight. The course labels each source it cites with one of these types:
| Label | What it means |
|---|---|
| Binding rule | A regulation issued by an agency, such as a rule in the Code of Federal Regulations. |
| Statute | A law passed by Congress. |
| State law | A law or regulation of a US state. Whether it applies depends on your charter, location and members. |
| Contract | An obligation your credit union has agreed to, for example in a vendor or network agreement. |
| Supervisory guidance | A regulator's statement of expectations or good practice. |
| Exam procedure | Material examiners use to plan and carry out an examination. |
| Benchmark | A voluntary framework or industry standard. |
Guidance is not a rule, but unsafe practice still matters
The course teaches this point. It is our teaching, not a legal opinion:
Supervisory guidance does not have the force of law, and an examiner cannot cite a credit union for a violation of guidance alone. But an unsafe or unsound practice can be criticized or acted on, and guidance often describes what regulators consider safe practice.
Your counsel can tell you how this applies to a specific situation. [CONFIRM: counsel to add citations if desired]
What the academy does not do
- No legal advice. Nothing in the course, the free tools or the platform is legal advice.
- No certification. Completing a course does not certify that your credit union complies with any law, regulation or guidance.
- No exam predictions. The course does not predict what examiners will find or how they will rate your credit union.
- No regulator endorsement. Innorve Academy is not endorsed by NCUA or any other regulator.
- No authority to use AI. Completing a course does not give anyone authority to use AI at your credit union. That authority comes from your credit union's own policies and approvals.
- Assessments are for training. An assessment result is a reviewer's judgement for training purposes. It is not an employment decision and not a professional credential.
Where applicability questions go
Whether a rule applies to your credit union, and what it requires of you, is a question for your counsel. Take the source labels and the questions the course helps you frame to your counsel and your compliance team.