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Articles by Lora Bray

Shall We Dance?

Forging member relationships with a personal touch isn't always a cakewalk

December 19, 2011

How will you keep foreclosures, delinquencies, and a poor job outlook from doing a number on your CU?

What a character!

Are you meeting members’ expectations?

December 5, 2011

Your CU makes an impression on members with its attitudes, knowledge, outreach, expertise, and reputation.

The View from Three-and-One-Half-Inch Heels

Does your CU think outside the shoe box?

December 1, 2011

Don’t let your CU miss the opportunity to challenge members’ and the public’s expectations of what you have to offer.

Lora's Research Roundup

Rich in Thanks

Research reveals consumer plans for holiday spending and disparities in household income.

November 21, 2011

Despite pervasive economic unpleasantness, we still have much to be thankful for this holiday week.

Lora's Research Roundup

Won’t You Be My Neighbor?

Keeping up with the Joneses is less of an issue these days.

November 20, 2011

Financial trends reveal neighborhood changes with increased income disparity and new family lifestyle choices.

Lora's Research Roundup

I Like Dreamin'

Some of these research findings will keep you awake at night.

November 14, 2011

Is the American dream turning into a nightmare?

Tricks or Treats?

Research this week scares up retirement planning, job growth, and spooky health-care concerns.

October 31, 2011

Halloween week research fills your plastic pumpkin with treats in retirement planning, tricks in unemployment, health-care trends for your mummy, and a final scary thought...

The Wheels on the Bus Go ‘Round and ‘Round…

"All aboard" for a look at small business and student lending trends

October 24, 2011

We’ll take a spin through more recession takeaways, fly over some employer trends, chug through some fraudulent facts, and cruise by the latest retail news...

Let's Play Ball!

Family income and educational background largely determine which kids succeed and which strike out.

October 23, 2011

On deck this week: The interrelation of productivity, wages, and marriage—as seen through the lens of major league baseball.

Checking Fees, Housing and Retirement…Oh, My!

Research trends reveal employment woes and related challenges for the consumer.

October 10, 2011

This week's Roundup examines fees, employment news, consumer spending reports, retirement considerations, housing, and more.

May Cover

Credit Union Magazine

• May digital edition

May 2013

heroes

What's Popular

Popular Stories

Scenes from the 19th Annual CUNA CFO Council Conference

Survey Says: Americans Lack Credit Score Knowledge

Warren Morrow Named 2013 CU Hero of the Year

Identify & Monitor Indirect Auto Lending Risks

'Encourage Courage'

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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