1. (a) If ADR is not utilized or fails to resolve the controversy, the commissioner shall furnish to the ALJ all information upon which the preliminary decision was based.
2. (b) The ALJ shall consider this information along with the testimony and documentary evidence presented at the hearing in preparing a proposal for decision.
3. (c) Burden of Proof for Unprotested Applications. The applicant must prove each of the statutory requirements for approval by a preponderance of the evidence.
4. (d) Burden of Proof for Protested Applications. The applicant must prove each of the statutory requirements for approval by a preponderance of the evidence. In cases in which field of membership is at issue, the protestant must establish by a preponderance of the evidence that overlapping fields of membership will unreasonably harm the protestant. For the purposes of this section, to constitute "unreasonable harm" an overlap must threaten the protestant's welfare and stability or its financial viability to such an extent that it would adversely impact its safety and soundness as a credit union.

Source Note:The provisions of this §93.303 adopted to be effective August 10, 1999, 24 TexReg 6027; amended to be effective February 24, 2003, 28 TexReg 1633.