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Articles Tagged with 'fees'

CARD Act Holds Down Rates and Fees

July 21, 2011
Consumers are seeing fewer late fees, eradication of over-limit penalties, and minimal changes to annual fees since the CARD Act's passage. READ MORE

CUs Rely More on Fee Income

October 05, 2011
Certain types of fee income are coming under pressure due to regulatory scrutiny and changing market conditions. READ MORE

CU Membership, Deposits Spike as Bank Transfer Day Approaches

November 03, 2011
CUNA estimates at least 650,000 consumers have joined CUs since Sept. 29, when Bank of America implemented its now-rescinded $5 monthly debit card fee. READ MORE

CUs Gear Up for Bank Transfer Day

November 04, 2011
Many CUs prepare for Bank Transfer Day (Nov. 5) by offering member referral bonuses, promoting the credit union difference, offering prizes and cash-back promotions, and taking other measures. READ MORE

Court OKs Up-Front Card Fees

January 13, 2012
The original rule regarding the limitation of fees during the first year after an account is opened remains in place and credit unions should continue to comply with it. READ MORE

Financial Services Undergoing ‘Secular Shift’

March 01, 2012
The financial services industry is transitioning from a high-margin business to a low-margin undertaking. READ MORE

Fee or Free

July 01, 2012
Credit unions benefited from the bankers’ misstep on fees, garnering hundreds of thousands of new members. READ MORE

Far More CUs Than Banks Offer Free Checking

August 15, 2012
Interest-bearing checking accounts at banks often come with staggering minimum balance requirements. READ MORE

‘Know Before You Owe’ Continues to Evolve

October 01, 2012
CFPB’s “Know Before You Owe” project is an effort to combine the early disclosures required by TIL and RESPA into one document. READ MORE

‘Know Before You Owe’ Continues to Evolve

October 01, 2012
The project aims to combine the early disclosures required by TIL and RESPA into one document. READ MORE
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Credit Union Magazine

• May digital edition

May 2013

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Finovate Highlights Industry's Best and Brightest

Look into the Future of Finance

Scenes from FinovateSpring 2013

Scenes from the 19th Annual CUNA CFO Council Conference

Gladwell: CUs are David to Banks’ Goliath

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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