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
Compliance
Compliance Burden Grows Heavier
The current regulatory environment is fast-paced and unrelenting.
Compliance
Compliance Matters
CFPB update, remittance transfers, HUD proposed discrimination standards, and private education loans.
Compliance
Investigate Unauthorized Transactions
NCUA indicates some of the most common consumer complaints are related to unauthorized transactions and Regulation E.
Lending|Compliance
CFPB Takes on Perennial Challenge as First Big Test
It would be a rare win-win if the new bureau could streamline the mortgage process for lenders in a way borrowers could understand.
Compliance
Surviving the Examination During Challenging Times
Proper preparation can be the 'transactional lubrication' your CU needs to reduce the regulatory friction of an exam.
Compliance
Compliance Q&A: NMLS Requirements
Are individuals engaged in mortgage loan modifications required to register on the Nationwide Mortgage Licensing System & Registry?
Compliance
Treasury Amends Check Reclamation Rules
FMS amended its reclamation rules, effective Oct. 19, 2011.
Compliance
NMLS Offers Renewal Handbook
Guide will help mortgage loan originators through the SAFE Act annual renewal process.
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.
CUNA reiterates prepaid rule concerns, asks for add'l delay
While proposed changes to the CFPB prepaid accounts rule provide some clarity, it will not be helpful for most prepaid card users and CUNA remains opposed to the rule’s application of Regulation Z to certain prepaid cards.
Hampel: ‘Economy shows no sign of aging’
The economy is now in its ninth year of recovery—the third longest expansion in U.S. history, says Bill Hampel, CUNA’s chief economist/chief policy officer.