Articles by Valerie Moss

Six Ways to Promote a BSA Compliance Culture

A CU's efforts can hinge on the support of leadership, FinCEN advisory states.
A CU's efforts can hinge on the support of leadership, FinCEN advisory states.
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Focus on Fair Lending Exam Hot Spots

NCUA emphasizes three recurring issues as it continues risk-based examinations.
NCUA again will take a risk-based approach to selecting federal credit unions for fair lending exams and off-site supervision contacts this year.
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New Loan Originator Requirements Take Effect

Rule applies to most closed-end loans secured by a dwelling.
Consumer Financial Protection Bureau amended Regulation Z to implement certain Dodd-Frank Act requirements.
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Remittance Transfer Rule Takes Effect Oct. 28

Know your responsibilities regarding tax and fee disclosures, disclaimers, and error resolution.
Amendments provide new protections to consumers who send remittance transfers outside the U.S.
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Apprise Your Appraisals

New CFPB rule requires creditors to give applicants free copies of appraisals.
CFPB amended Reg B to implement a Dodd-Frank Act amendment to the Equal Credit Opportunity Act.
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Free Appraisals Must Be Provided to Applicants

New CFPB rule requires creditors to provide materials previously furnished only on request.
The Regulation B amendment stems from Dodd-Frank Act alterations to the Equal Credit Opportunity Act concerning appraisals and other valuations.
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Mortgage Lenders Prepare For June 1

Three Reg Z changes precede an avalanche of CFPB rules to implement next year.
The bulk of the new mortgage rules won’t take effect until next year
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SCRA Compliance

Regulators turn their attention to the servicemembers civil relief act.
The SCRA provides certain financial protections to active-duty military personnel.
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Money Laundering

Two high-profile incidents remind CUs of the importance of BSA & OFAC compliance.
CUs’ regulatory compliance costs are staggering, but the costs of noncompliance are even higher.
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Remittance Transfers: What Has Changed Since February?

CFPB now exempts institutions that transmit 100 or fewer transfers per year.
Prepare now for the regulation, which goes into effect Feb. 7, 2013.
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