High-Cost vs. Higher-Priced

New CFPB rules change the definitions and coverage of two types of mortgages.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Don't file Suspicious Activity Reports without questioning the decision-making process leading to them.
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