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Articles by Lora Bray

Go to the Head of the Class

Can you anticipate members’ varied financial needs?
October 15, 2012
Lora Bray
No Comments
A recent class reunion reveals former classmates’ vast differences.
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Research Roundup

It’s a Piece of Cake!

Best laid plans must be altered at times but that doesn’t mean our initial attempts are without value.
October 8, 2012
Lora Bray
No Comments
Think about how you reposition products or services to accommodate consumers.
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Research Roundup

The Tiny Little Voice

Intuition isn’t always accurate, but it bears consideration.
October 1, 2012
Lora Bray
No Comments
How often does acumen help us make good business decisions for our members and coworkers?
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RESEARCH ROUNDUP

Did You Hear That?

‘You earn when you listen—not just money, but respect.’
September 24, 2012
Lora Bray
No Comments
Listen to and learn from your members, co-workers, and the communities you serve.
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Research roundup

‘Help! I Need Some Money, Honey!’

How can CUs help members make prudent financial plans?
September 18, 2012
Lora Bray
One Comment
Consider the financial assumptions members make and potential perils they may encounter.
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Research Roundup

Technology at Warp Speed

Embracing new technology involves risk—but so does the avoidance of new tools.
September 10, 2012
Lora Bray
No Comments
Acquiring new technology raises challenges for both consumers and service providers.
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Research Roundup

What, Me Worry?

‘You can’t wring your hands and roll up your sleeves at the same time.’
September 10, 2012
Lora Bray
No Comments
National Preparedness Month reminds us to anticipate and prepare for potential problems.
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Research Roundup

Muddy Buddies

Think about how your leadership role in charitable community events can start a mud slide.
August 27, 2012
Lora Bray
No Comments
What has your CU done lately to show the community you care?
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‘Drop That GPS and See Where Life Takes You!’

How we respond to the unexpected can make for interesting journeys rich in opportunity.
August 27, 2012
Lora Bray
No Comments
Flexibility is essential not only in daily life but in meeting the needs of our jobs and members.
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Lean on Me

More consumers need a hand surviving the recession and preparing for retirement.
August 20, 2012
Lora Bray
No Comments
Do your members lean on you with their personal finance issues, financial literacy concerns, and other needs?
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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

The ABCs of APT

Identify & Monitor Indirect Auto Lending Risks

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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