Articles by Valerie Moss

New Loan Originator Requirements Take Effect

Rule applies to most closed-end loans secured by a dwelling.
January 14, 2014
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.
July 10, 2013
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.
May 19, 2013
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.
May 1, 2013
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.
April 1, 2013
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.
November 11, 2012
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.
October 1, 2012
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.
September 20, 2012
Prepare now for the regulation, which goes into effect Feb. 7, 2013.
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Know When to Pull a Credit Report

CUs must have a ‘permissible purpose’ to obtain credit reports under the FCRA.
May 1, 2012
CUs must have a ‘permissible purpose’ to obtain credit reports under the FCRA.
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Forms Will Change With CFPB in Charge

New language will be required by Jan. 1, 2013.
April 1, 2012
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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Great article! Unfortunately, most employees don’t feel valued or appreciated by their supervisors or employers. In fact, research has shown that the predominant reason team members quit their jobs is because they don’t feel valued. This is in spite of the fact that employee recognition programs have proliferated in the workplace – over 90% of all organizations in the U.S. has some form of employee recognition activities in place. But most employee recognition programs are viewed with skepticism and cynicism – because they aren’t viewed as being genuine in their communication of appreciation. Getting the “employee of the month” award, receiving a certificate of recognition, or a “Way to go, team!” email just don’t get the job done. How do you communicate authentic appreciation? We have found people have different ways that they want to be shown appreciation, and if you don’t communicate in the language of appreciation important to them, you essentially “miss the mark”. Additionally, employees need to receive recognition more than once a year at their performance review. Otherwise, they view the praise as “going through the motions”. A third component of authentic appreciation is that the communication has to be about them personally – not the department, not their group, but something they did. Finally, they have to believe that you mean what you say. How you treat them has to match the words you use. If you are not sure how your team members want to be shown appreciation, the Motivating By Appreciation Inventory (www.appreciationatwork.com/assess) will identify the language of appreciation and specific actions preferred by each employee. You then can create a group profile for your team, so everyone knows how to encourage one another. Remember, employees want to know that they are valued for what they contribute to the success of the organization. And communicating authentic appreciation in the ways they desire it can make the difference between keeping your quality team members or having a negative work environment that everyone wants to leave. Paul White, Ph.D., is the co-author of The 5 Languages of Appreciation in the Workplace with Dr. Gary Chapman.

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