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Delinquent Auto Loans

Auto Loan Delinquencies Fall to All-Time Lows

Consumers are more likely to keep their auto loans current than their mortgages.

September 12, 2012

Asset quality remains high despite increases in nonprime auto loans.

Compliance Q&A: Adverse Action Notices

Understand Reg B's adverse action definition when terminating credit accounts.

January 26, 2011

Is a CU required to send an adverse action notice when it terminates a member's delinquent credit card account?

Performance of Modified Loans Improves

FHFA releases third-quarter foreclosure prevention report.

December 21, 2010

Loans modified during the last three quarters are performing substantially better three months after modification, compared to loans modified in earlier periods.

Is There a (Juris) Doctor in the House?

There's a 60% default rate associated with modified mortgages.

November 15, 2010

Millions of mortgages have been shipped around the global financial system—sold and resold—without the documents that traditionally prove who legally owns the loans and the properties.

Restructuring Troubled Debt

CUs face a delicate balancing act as they try to help members.

August 25, 2009

Can you spot the troubled debt restructuring in these scenarios?

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

Control Member Data

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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