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Insertion of section 4A in the Cooperative Societies Law (2001 Revision) - conditions for 3. 4. 5. 6. 7. 8. 9. Law 16 of 2019 COOPERATIVE SOCIETIES (AMENDMENT) LAW, 2019 (Law 16 of 2019) A LAW TO AMEND THE COOPERATIVE SOCIETIES LAW (2001 REVISION) TO REQUIRE THE DIRECTORS AND SENIOR OFFICERS OF A CREDIT UNION TO BE FIT AND PROPER PERSONS; TO REQUIRE THE APPROVAL OF THE AUTHORITY FOR CHANGES TO THE DIRECTORS AND SENIOR OFFICERS OF A CREDIT UNION; AND FOR INCIDENTAL AND CONNECTED PURPOSES ENACTED by the Legislature of the Cayman Islands.\", \"element\": \"section\", \"heading\": null}, {\"eId\": \"sec_1\", \"num\": \"1.\", \"text\": \"Short title 1. This Law may be cited as the Cooperative Societies (Amendment) Law, 2019.\", \"element\": \"section\", \"heading\": null}, {\"eId\": \"sec_2\", \"num\": \"2.\", \"text\": \"Insertion of section 4A in the Cooperative Societies Law (2001 Revision) - conditions for application for registration 2. The Cooperative Societies Law (2001 Revision), in this Law referred to as the \u201cprincipal Law\u201d, is amended by inserting after section 4, the following section \u2014 (Law 16 of 2019) I Assent, Martyn Roper Governor Date: 7th August, 2019 Law 16 of 2019 \u201cConditions for application for registration 4A. (1) A person who wishes to register a cooperative society to engage in credit union business under this Law shall apply in the prescribed form to the Authority for a determination that the proposed directors and senior officers of that society are fit and proper persons. (2) The applicant referred to in subsection (1) shall provide such information to the Authority, and within such period of time, as the Authority may require for the purpose of assessing whether the proposed directors and senior officers of the proposed credit union are fit and proper persons. (3) The Authority shall, upon carrying out its assessment, notify the applicant and Registrar of its determination. (4) In determining for the purposes of this Law whether a person is a fit and proper person, regard shall be had to all circumstances, including that person\u2019s \u2014 (a) honesty, integrity and reputation; (b) competence and capability; and (c) financial soundness.\u201d.\", \"element\": \"section\", \"heading\": null}, {\"eId\": \"sec_3\", \"num\": \"3.\", \"text\": \"Amendment of section 5 - conditions of registration 3. The principal Law is amended in section 5 by inserting after subsection (4), the following subsection \u2014 \u201c(5) A society that wishes to engage in credit union business under this Law shall not be registered without the determination of the Authority that the proposed directors and senior officers of that society are fit and proper persons.\u201d.\", \"element\": \"section\", \"heading\": null}, {\"eId\": \"sec_4\", \"num\": \"4.\", \"text\": \"Amendment of section 7 - registration 4. The principal Law is amended in section 7 by inserting after subsection (1), the following subsection \u2014 \u201c(1A) The Registrar shall not approve an application for registration of a society referred to in section 4A(1) if the proposed directors and senior officers of the society have not been determined by the Authority to be fit and proper persons.\u201d.\", \"element\": \"section\", \"heading\": null}, {\"eId\": \"sec_5\", \"num\": \"5.\", \"text\": \"Amendment of section 29 - restriction on transfer of share or interest 5. The principal law is amended in section 29 by inserting after subsection (3), the following subsections \u2014 Law 16 of 2019 \u201c(4) In the case of a credit union which may issue shares which carry voting rights, shares representing ten per cent or more of total voting rights of the credit union shall not be issued to a member, and issued shares representing ten per cent or more of the total voting rights of the credit union shall not be transferred or disposed of in any manner by a member, without the prior approval of the Authority. (5) The Authority shall not grant the approval specified in subsection (4) where persons acquiring control or ownership of shares representing ten per cent or more of the total voting rights of the credit union are not fit and proper persons by the Authority\u2019s assessment. (6) For the purposes of subsection (4), the credit union shall provide such information to the Authority, and within such time as the Authority may specify, for the purpose of assessing whether persons acquiring control or ownership of such shares representing ten per cent or more of the total voting rights of the credit union are fit and proper persons to have such control or ownership. (7) For the avoidance of doubt, the references to shares representing ten per cent or more of the total voting rights of the credit union include the cumulative acquisition of shares or voting rights which amount to ten per cent or more of the total voting rights of a credit union.\u201d.\", \"element\": \"section\", \"heading\": null}, {\"eId\": \"sec_6\", \"num\": \"6.\", \"text\": \"Insertion of section 38A - Authority to approve change of directors and senior officers 6. The principal Law is amended by inserting after section 38, the following section \u2014 \u201cAuthority to approve change of directors and senior officers 38A. A credit union shall obtain the approval of the Authority prior to appointing a director or senior officer and shall require that the director or senior officer is a fit and proper person.\u201d.\", \"element\": \"section\", \"heading\": null}, {\"eId\": \"sec_7\", \"num\": \"7.\", \"text\": \"Insertion of 39A - obligations of auditors 7. The principal Law is amended by inserting after section 39, the following section \u2014 \u201cObligations of auditors 39A. (1) If an auditor, in the course of carrying out an audit of the accounts of a credit union under this Law, obtains information or suspects that the credit union is \u2014 (a) unable or likely to become unable to meet its obligations as they fall due; (b) carrying on or attempting to carry on business or winding up its business voluntarily in a manner that is prejudicial to its members; Law 16 of 2019 (c) carrying on or attempting to carry on business without keeping any or sufficient accounting records to allow its accounts to be properly audited; (d) carrying on or attempting to carry on business in a fraudulent or criminal manner; or (e) carrying on or attempting to carry on business otherwise than in compliance with \u2014 (i) this Law or the Regulations; (ii) the Monetary Authority Law (2018 Revision); or (iii) the Anti-Money Laundering Regulations (2018 Revision), the auditor shall immediately give the Authority written notice of the information or suspicion and, in the case of suspicion, the auditor\u2019s reason for that suspicion. (2) Without prejudice to subsection (8), if it appears to the Authority that an auditor has failed to comply with subsection (1), the Authority may disqualify the auditor from being an auditor of a credit union, but the Authority may remove any disqualification imposed under this subsection if it is satisfied that the auditor in question will in future comply with subsection (1). (3) A credit union shall not appoint as an auditor a person disqualified under subsection (2). (4) Where the Authority has granted approval of an auditor under this Law, the approval may be revoked by the Authority if the Authority is of the opinion that the auditor is not sufficiently competent to carry out an audit of the accounts of a credit union or that, in all the circumstances, the auditor is incapable of carrying out the audit objectively. (5) When a credit union changes its auditor, the Authority may require the former auditor to explain the reasons for the change. (6) A person carrying out or charged with the carrying out of any duty, obligation or function under this section shall not incur civil liability for anything done or omitted to be done in respect of the discharge or purported discharge of that duty or function unless it is shown that the act or omission concerned was in bad faith. (7) A reference in this section to an auditor carrying out an audit of the accounts of a credit union includes a reference to an auditor who was engaged to carry out such an audit or who was in the course of carrying out such an audit but resigned before carrying out or completing the audit or whose contract to carry out or complete the audit was otherwise terminated. Law 16 of 2019 (8) Nothing in subsection (1) shall impose on an auditor carrying out an audit of the accounts of a credit union an obligation to do anything that the auditor would not otherwise be required to do in accordance with generally accepted auditing standards, other than the obligation to provide notice and reasons to the Authority. (9) A person who contravenes subsection (1) commits an offence and is liable on summary conviction to a fine of twenty thousand dollars.\u201d.\", \"element\": \"section\", \"heading\": null}, {\"eId\": \"sec_8\", \"num\": \"8.\", \"text\": \"Amendment of section 40 - powers and duties of the Authority 8. The principal Law is amended in section 40(1) by inserting after paragraph (a), the following paragraph \u2014 \u201c(aa) to assess the fitness and propriety of persons required to be so assessed under this Law and notify the Registrar of the determination of the assessment in respect of such persons;\u201d.\", \"element\": \"section\", \"heading\": null}, {\"eId\": \"sec_9\", \"num\": \"9.\", \"text\": \"Amendment of section 41 - powers of Authority in respect of credit unions 9. The principal Law is amended in section 41(1) by inserting after paragraph (a), the following paragraph \u2014 \u201c(aa) has a director or senior officer who is not a fit and proper person;\u201d. Passed by the Legislative Assembly the 26th day of July, 2019. Hon. W. 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TO REQUIRE THE APPROVAL OF THE AUTHORITY FOR\nCHANGES TO THE DIRECTORS AND SENIOR OFFICERS OF A CREDIT UNION; AND\nFOR INCIDENTAL AND CONNECTED PURPOSES\u2000\nENACTED by the Legislature of the Cayman Islands.\n1.\nShort title\n1.\nThis Law may be cited as the Cooperative Societies (Amendment) Law, 2019.\n2.\nInsertion of section 4A in the Cooperative Societies Law (2001 Revision) -\nconditions for application for registration\n2.\nThe Cooperative Societies Law (2001 Revision), in this Law referred to as the\n\u201cprincipal Law\u201d, is amended by inserting after section 4, the following section \u2014\n(Law 16 of 2019)\nI Assent,\nMartyn Roper\nGovernor\nDate: 7th August, 2019\n\nSection 3\nCooperative Societies (Amendment) Law, 2019\n\nPage 6\nLaw 16 of 2019\nc\n\n \u201cConditions for application for registration\n4A. (1)\nA person who wishes to register a cooperative society to engage\nin credit union business under this Law shall apply in the\nprescribed form to the Authority for a determination that the\nproposed directors and senior officers of that society are fit and\nproper persons.\n(2) The applicant referred to in subsection (1) shall provide such\ninformation to the Authority, and within such period of time, as\nthe Authority may require for the purpose of assessing whether\nthe proposed directors and senior officers of the proposed credit\nunion are fit and proper persons.\n(3) The Authority shall, upon carrying out its assessment, notify the\napplicant and Registrar of its determination.\n(4) In determining for the purposes of this Law whether a person is\na fit and proper person, regard shall be had to all circumstances,\nincluding that person\u2019s \u2014\n(a) honesty, integrity and reputation;\n(b) competence and capability; and\n(c) financial soundness.\u201d.\n3.\nAmendment of section 5 - conditions of registration\n3.\nThe principal Law is amended in section 5 by inserting after subsection (4), the\nfollowing subsection \u2014\n\u201c(5) A society that wishes to engage in credit union business under this\nLaw shall not be registered without the determination of the\nAuthority that the proposed directors and senior officers of that\nsociety are fit and proper persons.\u201d.\n4.\nAmendment of section 7 - registration\n4.\nThe principal Law is amended in section 7 by inserting after subsection (1), the\nfollowing subsection \u2014\n\u201c(1A) The Registrar shall not approve an application for registration of a\nsociety referred to in section 4A(1) if the proposed directors and\nsenior officers of the society have not been determined by the\nAuthority to be fit and proper persons.\u201d.\n5.\nAmendment of section 29 - restriction on transfer of share or interest\n5.\nThe principal law is amended in section 29 by inserting after subsection (3), the\nfollowing subsections \u2014\n\nCooperative Societies (Amendment) Law, 2019\nSection 6\n\nc\nLaw 16 of 2019\nPage 7\n\n\u201c(4) In the case of a credit union which may issue shares which carry\nvoting rights, shares representing ten per cent or more of total voting\nrights of the credit union shall not be issued to a member, and issued\nshares representing ten per cent or more of the total voting rights of\nthe credit union shall not be transferred or disposed of in any manner\nby a member, without the prior approval of the Authority.\n(5) The Authority shall not grant the approval specified in subsection (4)\nwhere persons acquiring control or ownership of shares representing\nten per cent or more of the total voting rights of the credit union are\nnot fit and proper persons by the Authority\u2019s assessment.\n(6) For the purposes of subsection (4), the credit union shall provide such\ninformation to the Authority, and within such time as the Authority\nmay specify, for the purpose of assessing whether persons acquiring\ncontrol or ownership of such shares representing ten per cent or more\nof the total voting rights of the credit union are fit and proper persons\nto have such control or ownership.\n(7) For the avoidance of doubt, the references to shares representing ten\nper cent or more of the total voting rights of the credit union include\nthe cumulative acquisition of shares or voting rights which amount\nto ten per cent or more of the total voting rights of a credit union.\u201d.\n6.\nInsertion of section 38A - Authority to approve change of directors and\nsenior officers\n6.\nThe principal Law is amended by inserting after section 38, the following section \u2014\n\u201cAuthority to approve change of directors and senior officers\n38A. A credit union shall obtain the approval of the Authority prior to\nappointing a director or senior officer and shall require that the director or\nsenior officer is a fit and proper person.\u201d.\n7.\nInsertion of 39A - obligations of auditors\n7.\nThe principal Law is amended by inserting after section 39, the following section \u2014\n\u201cObligations of auditors\n39A. (1) If an auditor, in the course of carrying out an audit of the accounts of\na credit union under this Law, obtains information or suspects that\nthe credit union is \u2014\n(a)\nunable or likely to become unable to meet its obligations as they\nfall due;\n(b) carrying on or attempting to carry on business or winding up its\nbusiness voluntarily in a manner that is prejudicial to its\nmembers;\n\nSection 7\nCooperative Societies (Amendment) Law, 2019\n\nPage 8\nLaw 16 of 2019\nc\n\n(c)\ncarrying on or attempting to carry on business without keeping\nany or sufficient accounting records to allow its accounts to be\nproperly audited;\n(d) carrying on or attempting to carry on business in a fraudulent or\ncriminal manner; or\n(e)\ncarrying on or attempting to carry on business otherwise than in\ncompliance with \u2014\n(i)\nthis Law or the Regulations;\n(ii) the Monetary Authority Law (2018 Revision); or\n(iii) the Anti-Money Laundering Regulations (2018 Revision),\nthe auditor shall immediately give the Authority written notice of the\ninformation or suspicion and, in the case of suspicion, the auditor\u2019s\nreason for that suspicion.\n(2) Without prejudice to subsection (8), if it appears to the Authority that\nan auditor has failed to comply with subsection (1), the Authority\nmay disqualify the auditor from being an auditor of a credit union,\nbut the Authority may remove any disqualification imposed under\nthis subsection if it is satisfied that the auditor in question will in\nfuture comply with subsection (1).\n(3) A credit union shall not appoint as an auditor a person disqualified\nunder subsection (2).\n(4) Where the Authority has granted approval of an auditor under this\nLaw, the approval may be revoked by the Authority if the Authority\nis of the opinion that the auditor is not sufficiently competent to carry\nout an audit of the accounts of a credit union or that, in all the\ncircumstances, the auditor is incapable of carrying out the audit\nobjectively.\n(5) When a credit union changes its auditor, the Authority may require\nthe former auditor to explain the reasons for the change.\n(6) A person carrying out or charged with the carrying out of any duty,\nobligation or function under this section shall not incur civil liability\nfor anything done or omitted to be done in respect of the discharge\nor purported discharge of that duty or function unless it is shown that\nthe act or omission concerned was in bad faith.\n(7) A reference in this section to an auditor carrying out an audit of the\naccounts of a credit union includes a reference to an auditor who was\nengaged to carry out such an audit or who was in the course of\ncarrying out such an audit but resigned before carrying out or\ncompleting the audit or whose contract to carry out or complete the\naudit was otherwise terminated.\n\nCooperative Societies (Amendment) Law, 2019\nSection 8\n\nc\nLaw 16 of 2019\nPage 9\n\n(8) Nothing in subsection (1) shall impose on an auditor carrying out an\naudit of the accounts of a credit union an obligation to do anything\nthat the auditor would not otherwise be required to do in accordance\nwith generally accepted auditing standards, other than the obligation\nto provide notice and reasons to the Authority.\n(9) A person who contravenes subsection (1) commits an offence and is\nliable on summary conviction to a fine of twenty thousand dollars.\u201d.\n8.\nAmendment of section 40 - powers and duties of the Authority\n8.\nThe principal Law is amended in section 40(1) by inserting after paragraph (a), the\nfollowing paragraph \u2014\n\u201c(aa) to assess the fitness and propriety of persons required to be so\nassessed under this Law and notify the Registrar of the\ndetermination of the assessment in respect of such persons;\u201d.\n9.\nAmendment of section 41 - powers of Authority in respect of credit unions\n9.\nThe principal Law is amended in section 41(1) by inserting after paragraph (a), the\nfollowing paragraph \u2014\n\u201c(aa) has a director or senior officer who is not a fit and proper\nperson;\u201d.\nPassed by the Legislative Assembly the 26th day of July, 2019.\n\nHon. 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McKeeva Bush\nSpeaker\n\nZena Merren-Chin\nClerk of the Legislative Assembly","akn_extracted_at":"2026-06-22 15:41:25.123504+00","cms_id":"2019-0016","law_type":"amending","year":"2019","number":"16","title":"Cooperative Societies (Amendment) Law, 2019","status":"spent"},"provenance":{"files":[{"file_id":"6327","expr_id":"1486","kind":"akn_xml","filename":"2019-0016.akn.xml","source_url":null,"storage_path":"\/Users\/q\/kyleg-data\/working\/AMENDING\/2019\/2019-0016\/2019-0016.akn.xml","content_md5":"0649772ef3bea65913c1b3937d29f2f9","byte_size":"12661","http_last_modified":null,"fetched_at":"2026-06-22 15:41:25.194256+00"},{"file_id":"2971","expr_id":"1486","kind":"pristine_pdf","filename":"2019-0016.pdf","source_url":"\/cms\/images\/LEGISLATION\/AMENDING\/2019\/2019-0016\/2019-0016.pdf","storage_path":"\/Users\/q\/kyleg-data\/pristine\/AMENDING\/2019\/2019-0016\/2019-0016.pdf","content_md5":"a1b5745f46db416eead0b5b5067a3f07","byte_size":"668901","http_last_modified":null,"fetched_at":"2026-06-16 04:01:10.802065+00"},{"file_id":"2972","expr_id":"1486","kind":"working_pdf","filename":"2019-0016.pdf","source_url":"\/cms\/images\/LEGISLATION\/AMENDING\/2019\/2019-0016\/2019-0016.pdf","storage_path":"\/Users\/q\/kyleg-data\/working\/AMENDING\/2019\/2019-0016\/2019-0016.pdf","content_md5":"a1b5745f46db416eead0b5b5067a3f07","byte_size":"668901","http_last_modified":null,"fetched_at":"2026-06-16 04:01:10.802065+00"}],"paragraph_count":8,"latest_history":null},"quality":{"expr_id":"1486","doc_id":"1486","quality_state":"needs_review","quality_score":"92","needs_human_review":"t","deterministic_categories":"{duplicate_text,page_header_footer_noise}","llm_categories":"{}","repair_actions":"{collapse_duplicate_text,strip_page_furniture}","finding_severity_counts":"{\"low\": 2}","finding_summary":"repeated line furniture detected: cayman islands x3; law 16 of 2019 x11; cooperative societies amendment law 2019 x6; duplicate-line ratio is 11.17%","assessed_at":"2026-06-22 15:29:46.311828+00","updated_at":"2026-06-22 15:29:46.311828+00"}}