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Articles by Bill Klewin

Lending Compliance Takes a Detour

Slow down and watch for compliance hazards with multifeatured open-end lending plans.
November 1, 2012
Bill Klewin
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CUs now can find the lending solution that is right for members.
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Auto loan tune-up

It’s Time for an Auto Lending Compliance Tune-up

Auto-loan uptick provides opportunity for review.
July 27, 2012
Bill Klewin
No Comments
Compliance requirements differ for direct and indirect loans.
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CFPB: Brace for Impact

CUs must continue to watch the volume, complexity, and novelty of new consumer regulations.
March 1, 2012
Bill Klewin
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The Consumer Financial Protection Bureau is taking very seriously its role as protector of consumers against abusive credit providers.
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CFPB: A Cry From The Heart

Establish the new agency’s legality before subjecting CUs to still more regulations.
February 10, 2012
Bill Klewin
No Comments
CUs face a deluge of rules both baffling and complex.
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CFPB Takes on Perennial Challenge as First Big Test

From Ficus to Nandina, agency aims to simplify cumbersome and redundant mortgage disclosures.
December 21, 2011
Bill Klewin
No Comments
It would be a rare win-win if the new bureau could streamline the mortgage process for lenders in a way borrowers could understand.
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Compliance: Never Let Your Guard Down

A case in point involves the Equal Credit Opportunity Act.
November 23, 2011
Bill Klewin
No Comments
Penalties for violating ECOA can be quite severe. Just ask a small bank in Texas.
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Lending in the Not-Too-Distant Future

See what the member of the future, Olivia, will expect from CUs.
July 25, 2011
Bill Klewin
One Comment
Technology will continue to change how members obtain CU services.
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Lending: Go ‘All In’

Take a no-holds-barred approach to lending.
May 31, 2011
Bill Klewin
No Comments
Successful lending demands dedication, discipline, training, and communication.
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‘You’ve Got to Be Kidding Me!’

Mortgage Disclosure Improvement Act regs leave much to be desired.
April 14, 2011
Bill Klewin
No Comments
New mortgage disclosures mean CUs face a short compliance timeframe and difficult problems to solve. Again.
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Embrace End-to-End E-Lending

Electronic lending, from application to funding, will be a requirement to remain competitive.
February 1, 2011
Bill Klewin
No Comments
Members, particularly young adults, will demand the ability to obtain loans without face-to-face interaction at any point in the transaction.
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May Cover

Credit Union Magazine

• May digital edition

May 2013

heroes

What's Popular

Popular Stories

Scenes from the 19th Annual CUNA CFO Council Conference

Survey Says: Americans Lack Credit Score Knowledge

Warren Morrow Named 2013 CU Hero of the Year

Identify & Monitor Indirect Auto Lending Risks

Help Us Celebrate the CU Movement's Rock Stars

Recent Discussion

In remembering Warren, the first thing I think of was his smile. He was a gentle, caring man who always thought of others first. I was honored to be a part of the MiOpportinidad project with Affinity Credit Union, Warren and Miriam. His hard work and dedication to that project was inspirational. Warren so deserves this award.

The author really understands the credit union philosophy and I really enjoyed the analogy of his bathroom remodel. The only thing missing was pictures of the finished bathroom! :)

Thank you Phillip for showing the differences between a Big Bank that is only looking to sell you products and a Credit Union that actually looks out for its members needs. Great article!

I love and give a standing ovation to Ron Kase and to other caring people just as much as those who passed away on 2012 like Warren Morrow at Des Moines Iowa. He worked hard for those who are under-served an under-represented, but wasn't mentioned in your magazine. It may be beneficial for the entire world to know about his accomplishments no for his benefit, obviously, but to increase the number of positive and caring people and to add members the CU. Just ask Coopera Consulting at Des Moines Iowa about Warren Morrow's legacy.

That’s right Lisa. The servicing rule would not require a credit union to create its own policies and procedures if all aspects of the servicing are delegated to a sub-servicer. However, remember that the credit union will have to conduct due diligence on the sub-servicer to make sure it is following the minimum requirements for policies and procedures. Unfortunately, even those credit unions that use a third party servicer will need to have a working knowledge of the CFPB’s servicing rule.

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