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Articles Tagged with 'compliance'

Prepare for Member Questions on Overdraft Protection

May 13, 2010

Overdraft protection programs guard membersfrom the cost and embarrassment of bouncing checks.

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Change Is in the Cards

June 21, 2010
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Comply or Die

August 27, 2010
Think you can put off data security compliance to stretch a limited operating budget? Think again. READ MORE

Seven Questions on Handling Credit Report Disputes

July 01, 2010
FACT Act requirements go into effect this month. In March, we reminded credit unions about the Fair and Accurate Credit Transactions (FACT) Act requirements regarding the accuracy of information reported to credit bureaus. The rules go into effect on July 1. READ MORE

Compliance Matters

July 01, 2010
At press time, the National Credit Union Administration (NCUA) and all of the federal banking agencies (except the Office of Thrift Supervision) had approved the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) regulations. READ MORE

Reg Z Q&A

July 01, 2010
Confused by the Reg Z final rule? You're not alone. The Fed's January 2010 Regulation Z final rule included changes related to the Credit Card Accountability, Responsibility, and Disclosure (CARD) Act provisions that became effective Feb. 22, 2010. READ MORE

Crises Create Compliance Burdens, and 'This One's a Doozy'

July 14, 2010
Sixty-one new regulatory pronouncements were made in 2009 and more are expected in 2010. How can CUs deal with this growing burden? READ MORE

CARD Act Compliance: The Final Stage

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

Six 'New Realities' Facing CUs and Core Processors

August 25, 2010
A panel discussion during Harland Financial Solutions’ 2010 Connections user conference identified six "new realities" facing credit unions and core processors. READ MORE

Competitive Intelligence Provider Aids CUs Decision-Making

September 02, 2010
Informa Research Services will provide credit unions with rate intelligence and mystery shopping services through a new alliance with CUNA Strategic Services. READ MORE
CU Mag Cover May 2012

Credit Union Magazine

Access the May digital edition

May 2012

Book reviews

What's Popular

Popular Stories

‘Do One Thing Every Day That Scares You’

‘Reward Excellent Failure, Punish Mediocre Success’

Peters: It’s Good to be the Little Guy

MBL: If Banks Win, CUs Lose

A Bit of Unpleasantness

Recent Discussion

Lora has some excellent tips for us on articles we should read. Thanks Lora!

Definitely, we agree. It’s not only important to adapt to the market, but also to ensure that the organization as a whole has buy-in of this growth strategy. Without full commitment, you could be doing a disservice to your credit union and your Hispanic community.

Good points all, Joni, and thanks for putting it in plain English. DigitalMailer has been consulting a number of clients and affiliates on social media, and the question always arises: "Well, what if someone says something bad about us?" The answer is, they might be already. Not seeing it doesn't mean it can't hurt you. Make sure that, if you're not offering an engaging social media presence, you're at least able to monitor the possible threats.

Chris Brogan is simply awesome and this interview is spot on. Hearing Brogan speak at America's Credit Union Conference is worth the price of admission. Every credit union can learn from his wisdom. Social media is about building a community and credit unions can do that successfully with their members. But they can't do it with everyone: they should also target their social media efforts to particular niches.

Bill, your comments are on the mark. In order to demonstrate that the CU truly understands the risk inherent in lending, the ability to clearly articulate a meaningful discussion of the lending rationale behind lending decisions is critical. All too often, CUs leave it up to the sales force to determine a "marketing" direction for lending activity and the sellers are only too willing to fill the void create by a lack of a clear defined lending culture and credit environment. In large organizations marketing and lending should work hand in hand in defining what sales and lending goals are. The marketing culture needs to be informed of the dynamics of the lending environment and the credit culture must understand the marketing opportunities and threats. In smaller CUs the senior lender in conjunction with the board must, as you indicate, clearly document the what and why of the credit culture.

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