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Get a Charge Out of Your Cards

June 07, 2011
Credit card profitability is surprisingly robust for many CUs. READ MORE

Post-Recession Lending

June 01, 2011
Declining delinquencies should enable loan loss provisions to dramatically decrease in 2011 and 2012. READ MORE

Lending: Go ‘All In’

May 31, 2011
Successful lending demands dedication, discipline, training, and communication. READ MORE

Life After Foreclosure

May 25, 2011
Consumers who defaulted only on their mortgages during the recession are far better credit risks on new loans than those who fell behind on multiple credit accounts. READ MORE

It's Time to Make Mortgages

May 23, 2011
The housing crisis and recession have given CUs an opportunity to serve more members. But this period of heavy mortgage refinancings won’t last forever. READ MORE

Credit Card Rates, Fees Stabilize After Reform

May 20, 2011
Pew report measures how the credit card industry has changed since the CARD Act's passage. READ MORE

Reg Z Revisited, Again

May 18, 2011
Still more clarification is needed on the Fed's Reg Z changes. READ MORE

Lessons Learned in Business Services

May 01, 2011
The time could be right for CUs to launch or re-energize business services programs. READ 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. READ MORE

Embrace New Lending Strategies

April 11, 2011
The flood of new regulations makes this an ideal time to discuss the CU difference with your members. READ MORE
May Cover

Credit Union Magazine

• May digital edition

May 2013

heroes

What's Popular

Popular Stories

Scenes from the 19th Annual CUNA CFO Council Conference

Gladwell: CUs are David to Banks’ Goliath

Survey Says: Americans Lack Credit Score Knowledge

Warren Morrow Named 2013 CU Hero of the Year

Finovate Unveils Best of Show Winners

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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