Articles by Patrick Totty

Durbin Amendment Shakes Up Debit Rewards

CUs reshape loyalty programs in anticipation of lower interchange fee income.
The Durbin amendment is like a big earthquake: Those closest to the event experience the most severe trauma. Those further away experience less shock but still feel uneasy.
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A Balance Sheet Balancing Act

ALM tools help CUs determine which loans best fit their balance sheets.
It doesn't take a mind reader to know one of the top questions facing CUs: “Will we be able to increase lending this year?”
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Compliance: The Consumer Is King

Expect more scrutiny on fair lending and other consumer-focused issues.
CUs can expect to face three major regulatory compliance issues this year: safety and soundness, fair lending, and Unfair Deceptive Abusive Acts and Practices.
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Taking Care of Business Cards

Commercial credit cards provide access to new revenue opportunities.
CUs have a history with consumer credit cards, and many are expanding into business credit card services with a minimum of pain and fuss.
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Tools of the Trade

CUs Navigate the Mortgage Reg Maze

Impending regulations are ‘more fast-track than ever before.’
CUs face a jumble of new mortgage regulations in 2012.
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Tools of the Trade

Member Databases a ‘Gold Mine’

Mining member records helps CUs unearth a treasure trove of data.
Too many CUs either fail to segment or use obsolete segmentation schemes.
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Mobile Providers Tackle Security Concerns

Some mobile banking security fears are based on the unknown.
Mobile security is an integral part of any security discussion.
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Repo Man Goes High-Tech

Auto remarketers handle all aspects of the repossession process.
Auto repossessions are as American as apple pie, reaching nearly three million during the depths of the Great Recession.
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Executive Compensation: Waiting for a Rebound

Expect smaller pay increases, fewer incentives.
When compensation does rebound, CU executives can expect greater regulatory accountability.
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Beware the Inside Job

Core processors warn CUs about the threat of internal fraud.
Core processors are well aware of the need for security against fraud and theft—whether committed by employees, members, or outside scammers.
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