Mary,
Have no idea what you are talking about. Once a membership is obtained through normal channels, what liability are you talking about?? Why would a CU employee be fraudulent about membership? What is there to gain for her/him?
The eligibility of CU membership is established and approved by CU employees, so I have to plead ignorance of what you are referring here.
Please give very "specific" examples/cases for clarification.
Thanks.