In recent decades, many credit unions began to resort to such form of service as Specialization of credit unions to provide financial services to its shareholders requires a particularly strict regulation of membership and acceptable activities. Contributions from of shareholders in credit unions in no way can be considered as borrowed funds, they come from the shareholders and for the shareholders and can not be used to provide services to third parties. In the UK, credit unions are a source of financing of people groups. This tool is not widely used.