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Lending: Focus on Current Members First

‘You must create your own recovery.’

October 25, 2012

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Adopt a “we are one” plan by offering the same interest rates and terms for direct and indirect loans.

Today’s ‘Deborrowing’ Consumers

This might be the first year since 1980 that CU loans outstanding declined during the year.

November 1, 2010

Bill Hampel

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The extent of consumers' deleveraging has surprised economists.

Need Members? Target Millennials

July 1, 2010

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CUs must continue to attract more consumers in their peak borrowing years—age 25 to 44—and attract even younger members—age 18 to 24. That's where “millennials" come in.

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Credit Union Magazine

• May digital edition

May 2013

What's Popular

Look into the Future of Finance

Finovate Highlights Industry's Best and Brightest

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

Scenes from FinovateSpring 2013

Gladwell: CUs are David to Banks’ Goliath

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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