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Public Library Investments and the “True Trust” Escape Hatch

At a recent training held by my cooperative library system, I learned that all public library investments must be in accounts that meet the requirements of the General Municipal Law, unless they are in a “true trust.” What is a true trust, and if it turns out my public library has some stocks that aren’t allowed, can my library create a true trust so we can keep our stocks?

Library Line of Credit

A school district public library would like to open up a line of credit so it can get a credit card. Is there a legal reason why this type of library - or, for that matter, any public library (association, school district, municipal, or Indian/Tribal) can only get a debit card and not a credit card? It is understood that best practice would involve a strong policy regarding its use. Is it because a school district public library can not have an open line of credit?