Compliance

Delivering Substance on Regulatory Relief

June 06, 2013
When it comes to regulatory relief, CUs deliver substance with the rhetoric. READ MORE

NCUA's National Supervision Policy Manual

June 01, 2013
Agency's manual requires examiners to act on unresolved DORs regardless of a CU's CAMEL rating. READ MORE

NCUA Addresses Troubled Debt Restructuring

June 01, 2013

The guidance describes in detail how examiners will apply the regulatory changes that the NCUA Board approved last year.

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CFPB Issues Guide on Truth in Lending

June 01, 2013
The CFPB in April released a “plain language” guide on the agency’s Ability-to-Repay (ATR) and Qualified Mortgage (QM) rule under Regulation Z (Truth in Lending). READ MORE

Agencies Clarify Changes to Flood Insurance Rules

June 01, 2013

After the promulgation of final regulations, the agencies expect to undertake a review of the interagency questions and answers and may propose changes as appropriate.

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Overdraft Protection Plans Getting A Closer Look

May 27, 2013
CUs consistently offer lower and fewer fees than their bank competitors. READ MORE

Apprise Your Appraisals

May 19, 2013
CFPB amended Reg B to implement a Dodd-Frank Act amendment to the Equal Credit Opportunity Act. READ MORE

NCUA is Looking at Fair Lending Practices

May 13, 2013
Agency will focus on the Equal Credit Opportunity Act, Home Mortgage Disclosure Act, and Fair Housing Act. READ MORE

Free Appraisals Must Be Provided to Applicants

May 01, 2013
The Regulation B amendment stems from Dodd-Frank Act alterations to the Equal Credit Opportunity Act concerning appraisals and other valuations. READ MORE

Compliance Q&A: FCRA

May 01, 2013
The law doesn't require CUs to provide written adverse action notices. READ MORE

The Works Blog The Works Blog is produced by PolicyWorks LLC, Des Moines, Iowa.

CUNA Announces New NMLS Approved Self-Study Loan Originator Course

Section 1026.36 of Regulation Z requires loan originators to receive periodic training. This training must cover Federal and State law requirements that relate to the individual loan originator’s origination activities. What training will meet...

Attention! Attention! No action required ??!!!??

The CFPB issued a proposal in February of this year to suspend credit card agreement submissions, as required by Regulation Z, for a year while they work on their database, has been finalized. It...

It’s Not Suspicious, He Does it All the Time

Once, when I was conducting BSA training for front-line staff regarding suspicious activity, I gave them an example of a retired gentleman at the credit union that several times a week made multiple cash...
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