Compliance
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Housing status adds to fair lending concerns
The practice of adding a housing expense to the debts of applicants who don’t have that type of expense could have a disparate impact on young borrowers.
CFPB steps up oversight of consumer info
The Consumer Financial Protection Bureau has prioritized the consumer reporting market for oversight.
Compliance
Training your mortgage loan originators
Credit unions frequently ask CUNA’s compliance team about the mandatory training requirements that federal law and regulations impose on credit union employees
Minimize the Risk of Overdraft Fee Lawsuits
Plaintiff attorneys are pursuing class action lawsuits relating to these fees.
Lending|Compliance
Scenes From CUNA Lending Compliance School
Attendees develop a deep understanding of the current lending compliance environment.
Invest in Loan Quality to Manage Risk
Four tips for a successful loan quality control plan.
Compliance
FFIEC Addresses Compromised Credentials and Malware
FFIEC released two statements about ways financial institutions can identify and mitigate cyberattacks.
CFPB Releases Mortgage Resource and Counseling Guidance
Agency releases “Your Home Loan Toolkit" to help consumers navigate home purchases.
Federal Regulators Intensify Focus on High-Cost Loans
These proposals might affect CUs—especially through their potential impact on NCUA’s Payday Alternative Loan program.
Compliance
Murphy's Law for CUs
'The chance of something going wrong increases greatly with the proximity of an NCUA exam.'
TILA-RESPA: What You Should Know Before It’s Too Late
The final rule requires the use of two new forms: loan estimate and closing disclosure.
A New Risk Mindset
Board involvement in governance, risk management, and compliance (GRC) is crucial.
Exporting Advocacy
CUs in Ukraine are entering the advocacy arena to better serve members.
Advocates Embrace the Long Game
In-district visits build lasting relationships with lawmakers.
4 Steps to a Robust Planning Process
First-rate strategic plans require attention, discipline, resources, and frequent updates.
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What's Trending
Compliance: Final rule analysis of TRID changes available
CUNA’s final rule analysis of the CFPB changes to the TRID rule is now available. The rule, published in the Federal Register this week is effective Oct. 10, with a mandatory compliance date of Oct. 1, 2018.
PODCAST: Digital marketing advice from a former ‘annoying’ salesman
The hardcore 'Glengarry Glen Ross' approach to sales is no longer effective, says Hubspot’s Sam Mallikarjunan.
CUNA supportive of DOL’s proposed 18-month fiduciary delay
CUNA is pleased that the DOL appears to have considered its request for a delay to the implementation of its fiduciary rule, indicating this week it is proposing an 18-month delay for the rule.