ARTICLES

High-Cost vs. Higher-Priced

New CFPB rules change the definitions and coverage of two types of mortgages.
Andrea Stritzke
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Mortgages that fall into the high-cost or higher-priced category have certain restrictions and requirements, so it’s important to understand what they are.
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Fair Lending Will Heat Up Again in 2013

A fair lending policy isn’t enough to constitute a compliance program.
Andrea Stritzke
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Here’s why you can expect fair lending compliance to heat up this year.
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SAFE Act Audit Deadline Approaching

If you haven’t completed your SAFE Act annual independent test, you’re not alone.
Andrea Stritzke
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The SAFE Act requires that credit unions subject to the Act’s requirements conduct an annual independent test.
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Care About the Rule-Making Process

Whether a rule is proposed or final, CUs should pay attention and get involved.
Andrea Stritzke
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Proposed rules are important to follow in this compliance environment.
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CFPB Issues New Remittance Transfer Rule

Understand the basics before the February 2013 compliance date.
Andrea Stritzke
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Understand the basics before the February 2013 compliance date.
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Mobile Banking Compliance

Account for these four compliance areas if you offer mobile products and services.
Andrea Stritzke
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In my compliance world, I like to write about topics that are black and white. But this month I’m going to discuss mobile banking compliance, which currently features a few more shades of gray.
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Compliance Burden Grows Heavier

Rapid change and uncertainty complicate strategy development.
Andrea Stritzke
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The current regulatory environment is fast-paced and unrelenting.
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Investigate Unauthorized Transactions

Don’t overlook compliance with regs that haven’t changed recently.
Andrea Stritzke
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NCUA indicates some of the most common consumer complaints are related to unauthorized transactions and Regulation E.
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Stay On Track With Policy Updates

Make sure internal practices reflect written policies.
Andrea Stritzke
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As this year winds down and we consider all the regulatory changes that have occurred, it’s important to reflect on one issue that might not always have been front and center: your credit union’s policies and procedures. 
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To File or Not to File?

Review your SAR processes so they’re commensurate with your risk.
Andrea Stritzke
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Don't file Suspicious Activity Reports without questioning the decision-making process leading to them.
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