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Old 03-31-2008, 01:03   #56
Tseng
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Ok i found the article/document i've mentioned before. It's bit older, its from 14-Sep-2006.

You can download the PDF here:
http://www.fic.gov.bc.ca/pdf/enforce...ia20060919.pdf

What it's basicly about: North York Comunity Credit Union (NYCCU) basicly offered debit/atm cards which wasn't backed up by any financial institution and not goverend by any federal/goverment laws, which was illegal (since they wasn't authorised to offer this debit cards/service). Only Banks and authorized companies are allowed to run such services and the NYCCU wasn't a bank (because banks are regulated federaly).

It's also mentioned that debit cards have to be backed up by an authorized financial instituion to ensure the payment. NYCCU had the authorization do to this kind of busines in Canada, but since it had representative such as UniClear Payment Systems and Buck's Cash Card who accepted deposits in British Columbia but they weren't authorized to accept deposits in Britsh Columbia. So this whole case is about the fact that they accepted deposits in a country they wasn't authorized to do it.

Reading that, it's easy to assume that there was even more countries (probably every country outside Canada) where they wasn't authorized to take deposits and thus created the problems with the cash cards for EU.

Some time later there was more issues, that the NYCCU cards stoped working before their expiring date (just googke for North York Credit Union debit cards, there should be plently of results for it).


So i really doubt we'll see cash cards any time soon, unless a big company is willing to do this deal with MindArk (which i personally doubt, since it's pretty risky from a credit union point of view).


Edit:
Around January 2007 is the moment on which NYCCU stoped it's busines/the debit cards stoped working (which if i remember correctly also fits to the time the EU cash cards was also canceled). But is already know that NYCCU was the company who had that deal with MindArk for the cash cards.

I'm not sure if MA stoped the cash cards before or after the issue, which isn't that important (important is that they have stoped it before some real issues happend, at least i dont know of any).

Last edited by Tseng; 03-31-2008 at 01:11.
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