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Articles Tagged with 'mortgage'
Expect a Slow Decline in Mortgage Delinquencies
December 14, 2012
Forecast also says credit card delinquency rates will remain relatively low throughout next year.
Are You Prepared for Mortgage Audits?
December 04, 2012
Mortgage agencies are searching hard for risk.
Four Hands, 88 Keys
December 04, 2012
Consider the value of your partnerships, and realize it takes two to succeed.
November 11, 2012
The SCRA provides certain financial protections to active-duty military personnel.
Six CUs Honored for Lending Excellence
November 08, 2012
Dan Murray, vice president, lending, CUNA Mutual Group, presented the 13th annual awards.
Mortgage Modifications Improve Loan Performance
October 05, 2012
Consumers who default only on their mortgages are better risks than those with multiple delinquencies.
Mortgage Fraud Advisory
October 01, 2012
No single red flag will be definitive proof of fraudulent activity.
Mortgage Delinquency Picture Improves
August 09, 2012
Nationwide mortgage delinquency rate dropped nearly 9% during the first half of 2012.
Know Before You Owe Mortgages: A Game-Changer
June 11, 2012
By proposing rules after soliciting feedback, CFPB has changed the rules of the rulemaking game—and spectators need to pay attention.
CFPB Details Mortgage Servicing Rules
June 01, 2012
The CFPB will work extensively with consumers and the financial services industry to develop the proposed mortgage servicing rules.
Credit Union Magazine
July 2014 digital edition
Slide Show: The Daily Duties of a Home-Based CU Manager
Regulators Focus on Interest-Rate Risk
Where Does it All Go?
A Social Media ROI Success Story
Happy 25th Birthday, Filene!
David, good point about the "recovering comfortably" comment. That was an editorial addition--which I'll remove.
Many good points but too rosy? Will the "Federal Reserve raise short-term interest rates 1% per year for the next three years, starting in 2015—“probably next year at this time” ? I have heard from other economist that the US government will go bankrupt if that happens due to the QE the fed has done for several years. Also it seems an exaggeration to say “We survived a heart attack,now the economy is recovering comfortably." Comfortably recovering is too ignore the economic stress that many members still live with daily that will eventually affect many credit unions.
Karan, Great article and insight. I would also recommend that you start getting those credit cards into the hands of the youth BEFORE they are in college. One of the best ways to reach this young generation is through mom and dad. Before the student goes to college, get them started with a credit card (even if mom and dad are joint on it). It's never too early to start marketing credit cards. Mark
I would respectfully disagree that transactional data is a good place to start. In my opinion, relationship data is a much better starting point. Transactional data tends to require more "mining" of thousands/millions of transactions to identify opportunities or threats. Relationship data, however, involves identifying and profiling your high-value relationships (those profitable relationships with multiple products/services, for example) and leveraging that information to attract/cross-sell similar members. Generally involves a bit less effort and quite a bit higher return.
Congratulations on a fine article. Perhaps the best advise is unsaid but exemplified throughout the article - namely avoiding the use of the term "Financial Literacy." The term is insulting and counterproductive because it implies that those who take the training are "Illiterate."
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