Compliance
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Policy & Issues|Compliance
Compliance: Identifying human trafficking red flags
Being on the front line of the financial services industry, credit unions can help identify and combat human trafficking, a rapidly growing crime.
Compliance
To File or Not to File?
Don't file Suspicious Activity Reports without questioning the decision-making process leading to them.
Compliance
Get Ready for a Compliance Deluge
The pace, complexity, and timing of today's regulatory changes are unprecedented, requiring CUs to rethink how they do business.
Compliance
Stand Up for Your Point of View With Regulators
Stand up for your point of view when you face disagreements with your examiners and regulators.
Compliance
Donovan: Threat to CU Tax Status Is Low—But Not Zero
For many reasons, Donovan says it's unlikely Congress will put CUs' tax status on the table.
Compliance
What Is Adverse Action?
The Dodd-Frank Act amended FCRA to require CUs to disclose that a credit score was used in taking any adverse employment action.
Compliance
Examiners To Disclose CAMEL Ratings
NCUA has instructed examiners to begin sharing CAMEL ratings with federally-insured, state-chartered credit unions during all on-site insurance reviews and supervision contacts.
Compliance
When ‘Free’ Means Free
Since the Federal Reserve issued its final rules on interchange fees, some financial institutions have eliminated free checking to recoup lost income.
Compliance
Interchange Fees and Routing
The Dodd-Frank Act amended the Electronic Fund Transfer Act by adding Section 920 regarding interchange transaction fees and rules for debit card transactions.
Lending|Compliance
The 14-Day Question
Some CUs are confused about the 14-day timing requirement for periodic statements.
Compliance
Re-Evaluate Authentication Systems
This summer the Federal Financial Institutions Examination Council (FFIEC) agencies issued a supplement to their 2005 guidance (“Authentication in an Internet Banking Environment”).
The Branch Reimagined
New CU branch designs improve the member experience.
Small Loans, Big Effect
Offering small-dollar loans allows members to avoid payday lenders.
Mind Your Margins
Five steps to get the best return from your auto loan portfolio.
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What's Trending
Compliance: NCUA releases new call report form, instructions
NCUA has released its new call report form and accompanying instructions, which become effective Sept. 30. For credit unions engaged in commercial lending, most notable are the updates reflecting the January 2017 changes to the member business lending rule.
Deliver world-class service
Know and fulfill your CU's mission, vision, and values to deliver world-class service to members.
Address two important cybersecurity questions
Government agencies and the legal system have demonstrated decreasing degrees of leniency toward organizations with cybersecurity shortcomings in recent years.