Compliance

Compliance Q&A: Regulation B Loan Approvals

February 01, 2014
Does Regulation B require loan approvals to be in writing? READ MORE

Agencies Exempt Subset of Higher-Priced Mortgages

February 01, 2014
The CPFB and NCUA exempt loans of $25,000 or less and certain “streamlined refinancings” from the appraisal requirements. READ MORE

Compliance Q&A: Reg Z Loan Originator Rule

January 23, 2014
What loan originator information must be included on mortgage documents under Reg Z? READ MORE

New Loan Originator Requirements Take Effect

January 14, 2014
Consumer Financial Protection Bureau amended Regulation Z to implement certain Dodd-Frank Act requirements. READ MORE

Reduce the ‘Silo Effect’ Risk

January 14, 2014
ERM is a “comprehensive risk-optimization process that integrates risk management across an organization.” READ MORE

Focusing on Real Regulatory Relief

January 14, 2014
CUs already received one gift to start the new year. READ MORE

CFPB Considers Debt Collection Rules

January 07, 2014
CFPB is seeking information from the public on many issues. READ MORE

Liquidity and Contingency Funding Plans

January 01, 2014
Effective March 31, 2014, all federally insured CUs will be subject to NCUA’s new liquidity regulation. READ MORE

CFPB’s Mortgage Servicing Requirements

December 31, 2013
Final rule covers periodic statement requirements, interest-rate adjustments, and more. READ MORE

Things I Think I Know

December 31, 2013
New disclosure requirements will not improve consumers' understanding of loan products. READ MORE

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

New Compliance Resource from the NCUA

The NCUA has recently published a “Consumer Compliance Regulatory Resources” page, on their website. The page does not contain any new guidance from the NCUA at this point, but is more of a resource for finding links to additional resources from the FFIEC, CFPB, and of course the NCUA.   Areas which are currently listed on […]

NCUA’s Proposed Appraisal Rule: The Sequel

Last week, we discussed the NCUA’s proposed rulemaking related to appraisals. In today’s post, I’ll discuss parts two and three of that proposal. Part two of the proposed rule seeks to establish consistency between credit unions and other banking agencies as to when an appraisal is required in connection with a real estate related transaction. […]

NCUA’s Proposed Appraisal Rule: Part One

On June 26th, the National Credit Union Administration (“NCUA”) published a proposed rule in the Federal Register related to appraisals. In today’s post, I’ll discuss part one of the proposed rule. Next Tuesday, I’ll discuss parts two and three. Currently, under Section 701.31(c)(5) of the NCUA’s rules and regulations, Federal credit unions (“FCUs”) are required […]
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