Compliance

Social Media Compliance: Nine Questions

January 24, 2011
As with other member communications, take proper compliance precautions with your social media efforts. READ MORE

Exam Problems? Know Your Rights

January 19, 2011
CUs have options when they believe an examiner has overstepped his or her authority. READ MORE

Fed Issues Final Mortgage Rules

January 10, 2011
Final rule applies to all consumer mortgages secured by the borrower’s principal dwelling, whether the transaction is a closed-end mortgage or a home equity line of credit. READ MORE

'Staff Up' to Meet Compliance Burden

January 01, 2011
Compliance staff must be involved in all significant business initiatives early on. READ MORE

No Reg Relief in Sight

January 01, 2011
CUs' compliance load just keeps getting heavier. READ MORE

FACT Act Final Rule: Are You Ready?

December 27, 2010
The time has come to implement the risk-based pricing notice requirements under the FACT Act. READ MORE

Beware the Fed’s Proposals Within Proposals

December 27, 2010
Buried within a Fed proposal regarding reverse mortgages and the right of rescission are additional disclosures for insurance products. READ MORE

Confusion Reigns Over Reg Z Changes

December 21, 2010
A rash of recent Regulation Z mortgage lending changes has heads spinning. READ MORE

Fed Proposes New Consumer Protection Regs

December 14, 2010
The proposed rules would amend Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing) to implement a provision of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). READ MORE

Compliance Q&A: Open-End Loans

December 03, 2010
What's the rule for mailing statements on open-end loans without grace periods? READ MORE

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

TILA-RESPA Disclosure Implementation

Have you begun to look over the new requirements for the TILA-RESPA integrated disclosure rule? If not, don’t worry to much, yet. This rule was finalized and released in November 2013. This rule becomes effective on August 1, 2015. While there is some time before the effective date, I would not recommend waiting until next […]

Navigating the Muddy Waters of Flood Insurance Reform

One of the things PolicyWorks continues to assist our credit union clients with is wading through the deep waters of mortgage regulation. As CFPB Director Richard Cordray has acknowledged, many of the business practices implemented by the January 2014 mortgage rules have long been standards credit unions have adhered to. However, a tidal wave of […]

How to Write an Effective #CommentLetter

One of my favorite things about being a part of the credit union movement is the cooperative spirit; how everyone has a voice and a chance to be heard.  A great example of this is the comment letter – whenever an agency (such as NCUA, NACHA, CFPB, etc.) issues a proposed rule, they open the […]
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Great article! Unfortunately, most employees don’t feel valued or appreciated by their supervisors or employers. In fact, research has shown that the predominant reason team members quit their jobs is because they don’t feel valued. This is in spite of the fact that employee recognition programs have proliferated in the workplace – over 90% of all organizations in the U.S. has some form of employee recognition activities in place. But most employee recognition programs are viewed with skepticism and cynicism – because they aren’t viewed as being genuine in their communication of appreciation. Getting the “employee of the month” award, receiving a certificate of recognition, or a “Way to go, team!” email just don’t get the job done. How do you communicate authentic appreciation? We have found people have different ways that they want to be shown appreciation, and if you don’t communicate in the language of appreciation important to them, you essentially “miss the mark”. Additionally, employees need to receive recognition more than once a year at their performance review. Otherwise, they view the praise as “going through the motions”. A third component of authentic appreciation is that the communication has to be about them personally – not the department, not their group, but something they did. Finally, they have to believe that you mean what you say. How you treat them has to match the words you use. If you are not sure how your team members want to be shown appreciation, the Motivating By Appreciation Inventory (www.appreciationatwork.com/assess) will identify the language of appreciation and specific actions preferred by each employee. You then can create a group profile for your team, so everyone knows how to encourage one another. Remember, employees want to know that they are valued for what they contribute to the success of the organization. And communicating authentic appreciation in the ways they desire it can make the difference between keeping your quality team members or having a negative work environment that everyone wants to leave. Paul White, Ph.D., is the co-author of The 5 Languages of Appreciation in the Workplace with Dr. Gary Chapman.

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