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Articles Tagged with 'mortgage'
CFPB Takes on Perennial Challenge as First Big Test
December 21, 2011
It would be a rare win-win if the new bureau could streamline the mortgage process for lenders in a way borrowers could understand.
Delinquency Outlook Favorable in 2012
December 08, 2011
Credit card delinquencies should remain stable in 2012, according to TransUnion.
Compliance Q&A: NMLS Requirements
December 01, 2011
Are individuals engaged in mortgage loan modifications required to register on the Nationwide Mortgage Licensing System & Registry?
Mortgages: Make Your Own Opportunities
October 19, 2011
Put real estate lending at the center of the your CU's strategy.
Competitive CU Expands Market Reach
August 01, 2011
Todd Helmerson, director of loan production at Kinecta FCU, describes his credit union’s new FHA wholesale mortgage program.
Exec of the Week: Melissa Moraccini
July 07, 2011
The Michigan Schools and Government CU Mortgage Lending Manager was named Young CU Professional of the Year.
Compliance Matters: Mortgage Origination Standards
June 01, 2011
Mortgage origination standards, MLO registration, ATM signage, and more.
Reg Z Revisited, Again
May 18, 2011
Still more clarification is needed on the Fed's Reg Z changes.
Compliance Matters: Comment on Reg CC Proposal
May 01, 2011
Reg CC proposals, credit score disclosures, streamlined BSA regulations, and more.
Bankers Behaving Badly
April 29, 2011
The Fed wants the offending banks to make significant revisions to certain residential mortgage loan servicing and foreclosure processing practices.
Credit Union Magazine
July 2014 digital edition
Slide Show: The Daily Duties of a Home-Based CU Manager
Advocacy Puts Board Members on Offense
Win Employee Love: Four Steps
Five Cyber Security Considerations for CUs
Harness the Power of 'Intrapreneurship'
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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