Indigenous Nations Federal Charter Association

1218 West Rock Creek Road
Norman, Oklahoma 73069
Phone (405)-292-5300   Fax (405)-360-6633

Behold, they have given you the center of the Nations' hoop to make it live…

Give them now the flowering stick that they may flourish and the sacred pipe that they may know the power that is peace, and the wind of the white giant, that they may have endurance and face all winds with courage.

--Black Elk  
   Lakota Holy Man,

     INFCA is a Native American association that is centered on the idea of developing a viable economy within the Tribes. We do this by providing what is needed to achieve goals that are common to many Tribes and many people, such as greater protection of the environment, greater common resources, and greater general prosperity.

     We and our tribal members believe such goals are attainable through the development of tribal credit programs, which can advance the financial power of subscribing tribes and tribal members by providing specialized knowledge of grant programs, a network of tribal businesses, credit-union-type financial services, investment and pension opportunities, and finally customized support and consulting to enhance the success of ventures.

    Additionally, INFCA is designed to participate directly in the necessary transition toward ecologically sound industry and infrastructure by developing an endowed trust that will be used to purchase and manage land for use as a buffalo and wildlife refuge and for the production of renewable energy from wind farms and other sources.


    Much of Native American development centers on the Tribe as the basic unit to be developed, sacrificing the individual in favor of the government. Most tribal organization and leadership patterns were imposed for the more convenient exploitation by the dominant society. Arguably, Native American poverty reflects this emphasis on the tribe that fails to harness individual effort and free enterprise. The Indian Reorganization Act of the 1930's, sometimes called the "Indian New Deal", has little in it for individual Indians, and provides for a collapsed and highly-centralized hierarchy which spawns at best, socialized governments, and in its worst instances, virtual dictatorships. Not surprisingly, the Lakota, who have a history of decentralized, power-sharing governments, have failed dismally under the Indian Reorganization Act. The Lakota's traditions are based upon the hoop and not the triangle.

    While the Indian Reorganization Act is applicable to Oklahoma people; there are additional laws unique to Oklahoma, which FDR's social engineers put in place. This law is the Oklahoma Indian Welfare Act of June 26, 1936. This law allowed the revival of the tribal governments in Oklahoma.

    We all recall that dozens of our Tribes were forced to relocate in Oklahoma. Later, the land base was removed from the Tribes and individuals were allotted land. To remedy the loss of the land base and the spreading and mixing of our Indian people, Section Four of the Oklahoma Indian Welfare Act recognizes the rights of individuals to form cooperatives of ten or more Indians, and the membership can be from different Tribes. Most Oklahoma Indians have removed from their allotments and homelands. We find Chickasaws living in Creek jurisdiction and Osages living in No Mans Land, still other Natives live in "Unassigned Lands".

    There are additional laws which reinforce Section Four of the Oklahoma Indian Welfare Act. Recently, Senator Nighthorse Campbell succeeded in having passed the Native American Business Development, Trade Promotion and Tourism Act of 2000. This Act recognizes the rights of Native American people to form private or quasi-governmental cooperative associations and corporations. The Act even goes further and establishes the right for Native Americans to establish international trade relations.
Weakness is overcome when Natives everywhere exercise their strength. This new law coupled with the Oklahoma Indian Welfare Act gives Oklahoma Indians the strongest bundle of rights of Native people anywhere. It is time that we all start working these unique rights we have and begin to exercise our prerogatives. There are many advantages Oklahoma Indians have other than simply the right to operate gaming facilities. These new laws enfranchise us in a new way.

    We should not forget that the Europeans borrowed from the American Indian the concept of individual liberty. Later, these Euro-Americans took the land, along with both the tribal and individual liberties of the Native American people. During the FDR era the Tribes were given socialist governments. Except in Oklahoma, the right to create Native cooperatives has existed since 1936. These rights were once exercised and there are elders who still recall those experiments in Indian Country prior to World War II. Now we have a Native son who is a Senator, who helped extend the cooperative association right to all Native Americans. Wisely, he fashioned the law to take the authority from the BIA and placed it with the U. S. Department of Commerce and USDA Rural Development. Unfortunately, these programs have not been funded. Congress should fund these new laws because they are the greatest promise to nourish indigenous nations where they can become strongest, at their roots. The cooperative association most resembles our traditional Native economic organization and our American free enterprise system.

INFCA Tribal Reserve
       Indigenous Nations Federal Charter Association (INFCA) Tribal Reserve controls five U.S. Treasury-certified Community Development Entities (CDEs) and has equitable ownership in the various INFCA trusts, cooperative associations and tribal Credit Program branches. Tribal Reserve securities are available to qualified investors, tribes, and Native Founders Consultants by private placement. The Tribal Reserve has the authority to create Credit Programs and cooperative associations that stem from U. S. laws, the sovereign right of federally-recognized Tribes, the Federal Corporate Charter of the Caddo Nation of Oklahoma, and the Indigenous Nations Federal Credit Program Tribal Reserve Act of 2001.

INFCA Buffalo Reserve Trust
        The Buffalo Reserve Trust is the Native cultural development and land preservation arm of INFCA. Currently, we have helped to establish a Boy's and Girl's Club in Chickasha, Oklahoma with plans to establish charters with Native communities in Oklahoma City and other towns and cities. We are working with Dartmouth College, Intertribal Wordpath Society, selected tribes, and tribal cultural groups to establish specialized language immersion courses for Native language teachers. We assist in establishing and supporting cultural and environmental preservation groups. We have supported the following not-for-profit groups with legal infrastructure and business support:

• Caddo Nation of Oklahoma
• Oklahoma Renewable Energy Council (OREC)
• Oklahoma Sustainable Network (OSN)
• Fellowship of American Indian Church (FAIC)
• Native American Boys and Girls Clubs.

       The Buffalo Reserve Trust is established to obtain lands for siting commercial wind turbines and raising bison for INFCA members use, to include residential communities. Another goal is to assist Native American artists and crafts people by establishing Indian art galleries in foreign countries for the sale of Native works. The Buffalo Reserve Trust is a not-for-profit, 501(c)(3) entity, as well as a protected Native American trust. Twenty-five percent of INFCA Tribal Reserve net revenue, and twenty-one percent of the total dividends which are currently reserved for tribal subscription, are dedicated to the Buffalo Reserve Trust to support its operations.


Buffalo Reserve Trust Partner Sites

Buffalo at Clear Water Ranch

Top Hat Mesa

Mustangs at Top Hat

Longhorns at Top Hat
Click on Image to View Large Picture


Indigenous Nations Credit Program Financial Products and Community Development Service

       Indigenous Nations Federal Charter Association fulfills the congressional enactment to create privatized associations of Oklahoma Indians to operate the tribal credit programs- mandated in the Oklahoma Indian Welfare Act (OIWA) of June 26, 1936; 25 U.S.C. §501-507; also, Native American Business Development, Tourism, and Trade Promotion Act of 2000, 25 U.S.C. §4301-4307. Our association is open to all Natives, their businesses, tribes, qualified non-Indian investors, and their corporate entities. INFCA operates as a federal corporation agency, is chartered by the Caddo Nation, and INFCA answers to the U.S. Department of Treasury. INFCA has five branches certified with CDE status and has an application pending for $80 million in New Markets Tax Credits with the Department of Treasury's CDFI Fund, who should be award the Credits in early 2003. Acting under the authority of the Tribal Reserve, the various branches of the Indigenous Nations Credit Program specialize in financing Native American individual, business and tribal projects of all types. We possess the authority to underwrite and issue tribal bonds and to take advantage of federal tax incentives and guarantees. Native wind power development financing is a Credit Program priority. Through our subsidiaries we have the ability to originate loans from $1,000 to $1,000,000,000. Loan terms vary with the project and ultimate source of funding.
INFCA works with citizen energy interest groups, legislators, and investors to develop renewable energy projects for the state and Tribes alike.

       Indigenous Nations Credit Program also helps Native Tribes, local governments, businesses, and individuals with legal, financial and business planning. We assist tribes in establishing affiliated INFCA Reservation Credit Programs and assist Native individuals to establish INFCA Cooperative Associations, all pursuant to the Oklahoma Indian Welfare Act of June 26, 1936. INFCA can bring capital to tribes and Native people to be used in an accountable and responsible manner. Sources of capitalization are U.S. government grants, tribal and municipal bonds, loans, technical assistance, and privately owned, foreign and domestic, venture capital funding sources. We have access to capitalization not normally available to tribes because of tribal management history. Indigenous Nations Credit Program and seven other INFCA subsidiaries have been certified by the United States Department of Treasury as Community Development Entities (CDEs), which allow them to offer New Markets Tax Credits (39%) to investors in exchange for capital to finance qualified investments into businesses in low income communities. The CDE status helps to offset the difficulty Native businesses often have in attracting capital.

       Kee Goodle Daw is the business name adopted by the INFCA-Kiowa Cooperative Association; it means “all Indian people” in Kiowa. KGD is a U.S Dept. of Treasury certified CDE. KGD specializes in natural resource development and has been working with the U.S. Environmental Protection Agency (EPA) and the municipality and industrial authority of Cyril, Oklahoma to remediate and rehabilitate an oil refinery abandoned in the center of town 18 years ago. The Cyril Industrial Authority has issued a $5 million letter of inducement to INFCA Tribal Reserve for a bond issue. The refinery was put on Superfund’s National Priority List for being a hazardous site and partially remediated in the early 1990’s. KGD’s management of the site is projected to save the EPA $25 million over the course of the final remediation. KGD is working with the primarily African-American Langston University to establish facilities in Cyril to provide professional education on environmental remediation technologies. The refinery and tank farm, once rehabilitated, can be used to store fuel for the U.S. Department of Defense as part of the Strategic Petroleum Reserve, refine petroleum products for the area, recycle tires, and even can be used as an electrical cogeneration plant for the five nearby communities. This will return dozens of jobs to the rural town of Cyril that were lost in 1984, and will bring millions of dollars into the community. KGD has pledged 2 % of its profits to the local school system and also 2 % for the Cyril Industrial Authority, in order to directly enhance the educational and employment opportunities in the area.

       INFCA-Warrior, also a Native Partnership CDE, is working with architects and investment bankers who specialize in working exclusively in Indian Country for projects in the U.S. and together they are working to develop travel plaza opportunities with several tribes, including the Navajo in Arizona. This 20 acre ‘travel mall’ will provide the Navajo with over 250 quality jobs and offer first-class affordable service to travelers on I-40. INFCA-Warrior, like the INFCA-Blue Eagle and INFCA-Liberty Cooperative Associations have management personnel that specialize in financing projects in Indian Country and beyond.

       INFCA-Liberty, a CDE, is a Native partnership between INFCA and Liberty Realty Capital Group, a 100% American Indian owned mortgage banking and venture capital firm located in Tulsa, Oklahoma. INFCA-Liberty’s primary function is to work with private companies, developers, investors and tribes to provide financial solutions for their capital needs. The primary market area is the Southwest United States with a particular focus on Oklahoma and contiguous states. Liberty was formed in 1997 as a successor to Liberty Mortgage Company after Liberty Bank and LMC were acquired by Bank One in 1996.

       INFCA has formed other cooperative associations with talented Native and community businessmen and women, such as INFCA-Blue Eagle Cooperative Association, INFCA-Caddo Cooperative Association, INFCA-Spirit Cooperative Association, and INFCA-Sooner Cooperative Association. These associations work throughout the state to provide technical, business, and financial assistance in underserved areas. Each specializes in their geographic area to thoroughly understand the business opportunities possible there.

       Our team of attorneys, architects, accountants, bankers, economists, executives, engineers, foreign and domestic investment brokers, physicians, scientists, and tribal operations specialists are available to provide technical support to Indian and non-Indian businesses, tribes, Native people, local and Native communities for many aspects of community development. This includes financial and legal infrastructure, grants, tax advantaged transactions, domestic and international finance, project planning, and oversight.

       INFCA Native Ventures Fund is a community development venture capital fund that was created to assist economic development in Indian Country. The Fund seeks investments in three specific areas of interest for the benefit of its member tribes and both Native and non-Native investors. All investments focus on projects that are located on or in the vicinity of Native American lands or will have a direct benefit on Native American tribes and their members.

Acquisitions and Joint Ventures
       Investments include the purchase of existing businesses with a solid market presence for the purpose of ownership transition, roll-up opportunity or spin-off of corporate division. We seek joint ventures in the manufacturing, distribution, business services, engineering and technology areas. Our typical investment will be between $500,000 and $5,000,000.

Real Estate
       The Fund looks at investment opportunities in properties that are located on or near tribal lands, that will provide economic development opportunities for the region. This may include properties such as residential, office, retail or industrial properties. Our typical investment will include third-party debt financing with equity investments of $100,000 to $1,000,000.

Venture Capital
       The Fund seeks investments, especially in technology businesses, located on or near tribal lands. We emphasize companies that are owned by Native Americans or tribes and we also team with local government authorities and private business. We seek investments in companies in the information technology, software, telecom, healthcare, business-to-business services, manufacturing, and distribution.. Our typical investment will be $250,000 to $5,000,000.

       The first corporate charter ever issued in the New World was given to Christopher Columbus by the Spanish King Fernando for his voyage west. Indigenous Nations International (INI) is incorporated in England and Wales and it may be the first overseas corporation to be formed by a tribally-chartered entity. A Tribal Reserve subsidiary, INI has been established with the full powers of a private limited U.K. company for the purposes of expanding Native American access to world markets. This includes developing and financing import-export opportunities, as well as ecologically sound, culturally appropriate, and profitable enterprises with indigenous peoples throughout the world. The Native American Business Development, Tourism, and Trade Promotion Act of 2000 authorizes establishment of entities such as INI, Ltd.

       INFCA has formed agreements and associations with multiple business partners in the Arbuckle Mountains in south-central Oklahoma. Prospective partners include a National Bank, restaurants, animal theme parks, a residential community, and a golf course. Enjoy the lifestyle offered at this unique development located in the foothills of the Arbuckle Mountains on three small beautiful lakes that flow into the nearby Lake of the Arbuckles. The Native American Business Development, Tourism, and Trade Promotion Act of 2000, (25 U.S.C. §4301-4307) mandates the establishment of a Native American Tourism Demonstration Project in Oklahoma.






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