Articles by Valerie Moss

Forms Will Change With CFPB in Charge

New language will be required by Jan. 1, 2013.
Valerie Moss
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Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) transferred rule-making authority for a number of consumer financial protection laws from seven federal agencies to the Consumer Financial Protection Bureau (CFPB) as of July 21, 2011. 
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Handle Medical Information With Care

Exercise caution when requesting information on medical debts.
Valerie Moss
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The Fair Credit Reporting Act limits consumer reporting agencies' ability to furnish reports containing consumers' medical information.
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What’s Happening on the BSA Front?

Highlights from the CUNA-NASCUS Bank Secrecy Act Conference.
Valerie Moss
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Here’s a BSA update, highlighting recent actions by FinCEN, which oversees compliance with BSA/anti-money laundering.
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Debit Card Interchange FAQs

Highlights of the reg’s requirements and effective dates.
Valerie Moss
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The Federal Reserve released a compliance guide that includes FAQs about the Electronic Fund Transfer Act.
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What Is Adverse Action?

Answers to CU questions about adverse action notices.
Valerie Moss
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The Dodd-Frank Act amended FCRA to require CUs to disclose that a credit score was used in taking any adverse employment action.
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Re-Evaluate Authentication Systems

Cyber crime remains a continuous threat.
Valerie Moss
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This summer the Federal Financial Institutions Examination Council (FFIEC) agencies issued a supplement to their 2005 guidance (“Authentication in an Internet Banking Environment”).
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Responding to Data Breaches

CUs must have a response program for unauthorized access to member information.
Valerie Moss
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Data breaches have dominated the headlines in recent months.
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Go Green, but Comply With E-Sign

A question-and-answer guide to E-Sign compliance.
Valerie Moss
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CUNA’s regulatory compliance team receives loads of questions every month regarding e-statements, home banking, and compliance with E-Sign.
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Flood Insurance 101

Answers to common questions about flood insurance regs.
Valerie Moss
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What you need to know to comply with federal flood insurance regulations.
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A Complex Appraisal Reg, In a Nutshell

New Reg Z provisions take effect this month.
Valerie Moss
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What are the Dodd-Frank Act's new requirements for appraisal independence?
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