Action - CI_1740

Government benefits, savings and budgeting, etc.). Educational materials prepared by

outside organizations, expert in this field, may be adapted and used provided such

material is entirely educational in nature and does not contain or refer to any particular

commercial product, service, or company. Unit commanding officers shall encourage

military members and their dependents to seek legal advice before making substantial

loan or credit commitments or if they feel they have a complaint under the consumer

credit protection laws.

Nonprofit, voluntary membership associations which are independent, self-insured, and

not commercially underwritten or affiliated are exempt from the provisions of this

Instruction. This exemption only applies to those organizations which have been

granted tax-exempt status under Section 501(c)(23) of the Internal Revenue Code.

Commanding officers may enforce those provisions of this Instruction necessary to

maintain the efficiency and preparedness of the unit.

An example of an organization meeting the exemption criteria is the Navy Mutual Aid

Association (NMAA). NMAA is a membership association of sea service personnel

and their families. Reference (a) provides further information concerning the services

available from NMAA.

ACTION. Area and district commanders, commanders of maintenance and logistics

commands, unit commanding officers, Commander Activities Europe, and Chiefs of Offices,

and special staff divisions in Headquarters shall comply with the contents of this Instruction.

/s/

G. D. PASSMORE

Chief, Office of Personnel

and Training