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parents or family members. banks. savings and loan associations. finance companies. loan sharks. Question 13. 13. (TCO 3) Referring to trends in credit union membership, it can be observed that membership has been restricted by the Tax Reform Act of 1986. declining gradually. static. growing steadily. restricted by state laws. Question 14. 14. (TCO 3) Which one of the following is a signal of a potential debt problem? Paying the maximum balance due each month Borrowing money to pay old debts Using savings to pay for major purchases Receiving notice of prompt payment from creditors Occasionally working overtime and moonlighting