Two officers walk into a credit union without legal process

About a month ago, you filed a suspicious activity report on a member you suspect is funneling drug money through your credit union. This guy gives you the creeps and for good reason! He shows up to your branch every week to deposit tons of money and records show he is currently unemployed.  On a scale from Ursula to Heath Ledger’s Joker, this member is a certified villain. Turns out, your crime fighting senses are spot on. The police show up to your main branch to retrieve the supporting documents of the suspicious activity report (SAR) without a search warrant or subpoena in hand. What should you do?

Law Enforcement

First, you may want to figure out if these law enforcement officers are legitimate and supposed to request this evidence of a crime. If a mall cop requests this information, he is likely not the type of law enforcement who should handle these documents. Asking for the officer’s credentials or badge is a great first step. Make sure the officer is legitimate.

The FFEIC Manual provides a non-exhaustive list of law enforcement that you may reference (footnote 79):

 

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