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Match Students with the Right Loans

August 30, 2011
CUs explore a variety of ways to reach student borrowers. READ MORE

Index Depicts Weak Small Business Economy

August 23, 2011
Small business economy has been extremely sluggish, according to The Small Business Authority. READ MORE

Survey: Don’t Raise Taxes to Reduce Deficit

August 21, 2011
Nearly two-thirds of small business owners believe tax increases should not be part of the federal government’s plan to reduce the deficit, according to a survey by The Small Business Authority. READ MORE

Home Prices Should Stabilize

August 10, 2011
Despite housing market weaknesses in nearly every U.S. region, home prices should stabilize by the end of 2012, according to the Fiserv Case-Schiller Indexes. READ MORE

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. READ MORE

Pay-Downs, Not Charge-Offs, Drive Lower Credit Card Balances

July 29, 2011
Average credit card debt per borrower has reached a 10-year low. READ MORE

Lending in the Not-Too-Distant Future

July 25, 2011
Technology will continue to change how members obtain CU services. READ MORE

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

Payday Lending

July 18, 2011
CUs aren’t waiting for the new Consumer Financial Protection Bureau to change how payday lenders operate. Instead, they’re offering financially distressed consumers affordable borrowing options. READ MORE

Taking Risks To Help Members

July 18, 2011
If we adopt a totally risk-averse position we, in effect, behave no differently than many of our for-profit competitors. READ MORE
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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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