To provide guidance to address complex ethical questions, the National Society of Executive Fire Officers and Congressional Fire Services Institute jointly have released a firefighter code of ethics that can be adopted by local fire and emergency medical service organizations. In acknowledgement of the importance of this first of its kind fire service ethics statement, the U.S. Fire Administration has posted the statement throughout the National Fire Academy's (NFA) facilities and will now include the statement in all course materials distributed to NFA students.....U.S. Fire Administration Acknowledges the New Fire Service Ethics Statement:
Credit unions spend enormous amounts of time, energy, and marketing dollars trying to acquire new members. But many institutions — especially sponsor-based first responder credit unions — are sitting on one of the most valuable growth opportunities already inside their existing membership base. The joint owner population. Every day, firefighters, police officers, EMTs, dispatchers, and other first responders join credit unions through sponsor relationships. During account opening, spouses or partners are often added as joint owners for convenience. They help manage the household finances. They use the debit card. They log into online banking. They interact with the credit union regularly. Yet in many cases, they never actually become full member-owners of the cooperative. They are connected to the institution — but not fully part of it. And that creates a major strategic opportunity. Why Joint Owner Conversion Matters For sponsor-based credit unions, converting joint owners into full m...

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