Compliance

To File or Not to File?

November 14, 2011
Don't file Suspicious Activity Reports without questioning the decision-making process leading to them. READ MORE

Get Ready for a Compliance Deluge

November 09, 2011
The pace, complexity, and timing of today's regulatory changes are unprecedented, requiring CUs to rethink how they do business. READ MORE

Stand Up for Your Point of View With Regulators

October 27, 2011
Stand up for your point of view when you face disagreements with your examiners and regulators. READ MORE

Donovan: Threat to CU Tax Status Is Low—But Not Zero

October 27, 2011
For many reasons, Donovan says it's unlikely Congress will put CUs' tax status on the table. READ MORE

What Is Adverse Action?

October 15, 2011
The Dodd-Frank Act amended FCRA to require CUs to disclose that a credit score was used in taking any adverse employment action. READ MORE

Examiners To Disclose CAMEL Ratings

October 01, 2011
NCUA has instructed examiners to begin sharing CAMEL ratings with federally-insured, state-chartered credit unions during all on-site insurance reviews and supervision contacts. READ MORE

When ‘Free’ Means Free

September 26, 2011
Since the Federal Reserve issued its final rules on interchange fees, some financial institutions have eliminated free checking to recoup lost income. READ MORE

Interchange Fees and Routing

September 25, 2011
The Dodd-Frank Act amended the Electronic Fund Transfer Act by adding Section 920 regarding interchange transaction fees and rules for debit card transactions. READ MORE

The 14-Day Question

September 24, 2011
Some CUs are confused about the 14-day timing requirement for periodic statements. READ MORE

Re-Evaluate Authentication Systems

September 01, 2011
This summer the Federal Financial Institutions Examination Council (FFIEC) agencies issued a supplement to their 2005 guidance (“Authentication in an Internet Banking Environment”). READ MORE

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

Road Tripping, Ohio Style

“There’s nothing wrong with Ohio, except the snow and the rain,” according to my favorite band Bowling for Soup.   I had the opportunity to experience both types of precipitation on subsequent days this...

Small Creditor Comment Period Closing Soon…

On February 11th the Consumer Financial Protection Bureau (“CFPB”) published a rule in the Federal Register that proposes to expand the definition of small creditor under Section 1026.35 of Regulation Z. Currently a lender...

#CFPB Arbitration Study – Are your eyes wide open?

A week ago today the Consumer Financial Protection Bureau (CFPB) released a study they conducted on arbitration agreements used by financial servicers. Tens of millions of consumers use financial products or services (i.e. credit...
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