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Articles by Lora Bray

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The Sentinels Among Us

CUs represent fiscal guardianship, protecting members from fraud and enlightening them with financial literacy.
May 13, 2013
Lora Bray
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Your vigilance in assuring excellent member service is unparalleled.
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caution

Be Prudent When Exercising Caution

Excess caution impedes success.
May 10, 2013
Lora Bray
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Don’t be afraid to use analytics to help determine your value proposition.
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Startling Minds

Don’t lose sight of the opportunity to connect with other people.
April 29, 2013
Lora Bray
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Appreciate opportunities to ask questions and learn.
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Inspiration

A Source of Inspiration

What challenges inspire and motivate you to succeed at your CU?
April 22, 2013
Lora Bray
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‘Education brings about opportunity, and in turn inspiration.’
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pooodle

Poodles or Ferrets?

Things aren’t always what they seem.
April 15, 2013
Lora Bray
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Financial fraudsters exhibit dogged determination.
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Sucess

A Recipe for Success

Quality components and sufficient resources make for successful plans.
April 15, 2013
Lora Bray
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What’s cooking at your CU?
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Numbers sm

Numbers Tell a Story

Lenders and owners are rehabilitating millions of foreclosed properties.
April 1, 2013
Lora Bray
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Can your CU become a character in the tale of the improving housing market?
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Fairy Tale

Help Make Fairy Tales Come True

How do you tell your story to your members as you help them to write their own?
March 25, 2013
Lora Bray
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CUs are members' knights in shining armor.
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The Top 10 Service Trends of the Future

Expect insourcing to replace outsourcing due to poor consumer experiences.
March 20, 2013
Lora Bray
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Savvy managers of frontline service providers will incorporate these trends in their strategies for member interactions.
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Celebrate sm

Let's Celebrate!

March is 'Credit Education Month,' so why not throw a party?
March 18, 2013
Lora Bray
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Personal remembrances may bring repeat business to your CU.
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May Cover

Credit Union Magazine

• May digital edition

May 2013

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What's Popular

Popular Stories

Look into the Future of Finance

Finovate Highlights Industry's Best and Brightest

Jump-Start Your Loan Portfolio: Nine Steps

Are You Selling Products—Or Helping Members Achieve Their Goals?

Scenes from FinovateSpring 2013

Recent Discussion

In remembering Warren, the first thing I think of was his smile. He was a gentle, caring man who always thought of others first. I was honored to be a part of the MiOpportinidad project with Affinity Credit Union, Warren and Miriam. His hard work and dedication to that project was inspirational. Warren so deserves this award.

The author really understands the credit union philosophy and I really enjoyed the analogy of his bathroom remodel. The only thing missing was pictures of the finished bathroom! :)

Thank you Phillip for showing the differences between a Big Bank that is only looking to sell you products and a Credit Union that actually looks out for its members needs. Great article!

I love and give a standing ovation to Ron Kase and to other caring people just as much as those who passed away on 2012 like Warren Morrow at Des Moines Iowa. He worked hard for those who are under-served an under-represented, but wasn't mentioned in your magazine. It may be beneficial for the entire world to know about his accomplishments no for his benefit, obviously, but to increase the number of positive and caring people and to add members the CU. Just ask Coopera Consulting at Des Moines Iowa about Warren Morrow's legacy.

That’s right Lisa. The servicing rule would not require a credit union to create its own policies and procedures if all aspects of the servicing are delegated to a sub-servicer. However, remember that the credit union will have to conduct due diligence on the sub-servicer to make sure it is following the minimum requirements for policies and procedures. Unfortunately, even those credit unions that use a third party servicer will need to have a working knowledge of the CFPB’s servicing rule.

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