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Articles Tagged with 'rate'

CARD Act Compliance: The Final Stage

October 10, 2010
The third phase of the Fed's implementation of the CARD Act. READ MORE

Pace of Recovery is Slowing

October 04, 2010
Economic conditions, including low rates of resource utilization, subdued inflation trends, and stable inflation expectations, are likely to warrant exceptionally low levels for the federal funds rate for an extended period. READ MORE

Agency Releases Mortgage Rate Data

October 28, 2010
The average interest rate on conventional, 30-year fixed-rate mortgage loans of $417,000 or less decreased 12 basis points (bp) to 4.58% in September. The average interest rate on 15-year, fixed-rate loans of $417,000 increased 11 bp to 4.57% in September. READ MORE

Fed Provides CARD Act Clarification

November 24, 2010
The Fed recently provided another proposal related to the CARD Act. But this one is actually helpful. READ MORE

Kick the Tires on Your Interest-Rate Risk Model

July 31, 2012
Just like maintaining a vehicle, CUs should review their interest-rate risk models to determine whether current assumptions are appropriate. READ MORE

Will the Fourth Time Be a Charm?

February 11, 2013
The Fed is saying it’s willing to accept an inflation rate that is higher than its target of 2%. READ MORE
May Cover

Credit Union Magazine

• May digital edition

May 2013

heroes

What's Popular

Popular Stories

Look into the Future of Finance

'Tolerate Failure'

Finovate Highlights Industry's Best and Brightest

Are You Selling Products—Or Helping Members Achieve Their Goals?

Scenes from FinovateSpring 2013

Recent Discussion

In remembering Warren, the first thing I think of was his smile. He was a gentle, caring man who always thought of others first. I was honored to be a part of the MiOpportinidad project with Affinity Credit Union, Warren and Miriam. His hard work and dedication to that project was inspirational. Warren so deserves this award.

The author really understands the credit union philosophy and I really enjoyed the analogy of his bathroom remodel. The only thing missing was pictures of the finished bathroom! :)

Thank you Phillip for showing the differences between a Big Bank that is only looking to sell you products and a Credit Union that actually looks out for its members needs. Great article!

I love and give a standing ovation to Ron Kase and to other caring people just as much as those who passed away on 2012 like Warren Morrow at Des Moines Iowa. He worked hard for those who are under-served an under-represented, but wasn't mentioned in your magazine. It may be beneficial for the entire world to know about his accomplishments no for his benefit, obviously, but to increase the number of positive and caring people and to add members the CU. Just ask Coopera Consulting at Des Moines Iowa about Warren Morrow's legacy.

That’s right Lisa. The servicing rule would not require a credit union to create its own policies and procedures if all aspects of the servicing are delegated to a sub-servicer. However, remember that the credit union will have to conduct due diligence on the sub-servicer to make sure it is following the minimum requirements for policies and procedures. Unfortunately, even those credit unions that use a third party servicer will need to have a working knowledge of the CFPB’s servicing rule.

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