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.

#CFPB Issues Final Privacy Rule

The CFPB’s final rule regarding the annual privacy notice was published in the Federal Register and is effective as of October 28, 2014. The final rule amends §1016.9(c) of Regulation P and provides an alternative method for delivering annual privacy notices. The rule is intended to allow credit unions to post their annual privacy notices […]

#EMV Liability Shift Deadline Less Than a Year Away

Apple Pay. Tokenization. NFC. Biometrics. There are so many buzzwords being talked about in the payments arena that it can be difficult to keep up.  Combine that with the fact that there seems to be a new data breach every week, and your head will be spinning.  While these new technologies are all exciting and […]

Introducing New PolicyWorks Team Members

Hello everyone!  As the two newest members to the PolicyWorks team Zac Pollock and I, Melinda Peterson, would like to introduce ourselves. As a Compliance Specialist, I am responsible for assisting credit unions with their compliance needs as well as being a resource for reviewing marketing materials and websites for compliance with federal regulations.  I […]
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