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ARTICLES

SCRA Compliance

Regulators turn their attention to the servicemembers civil relief act.
November 11, 2012
Valerie Moss
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The SCRA provides certain financial protections to active-duty military personnel.
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Avoid These Mortgage Servicing Practices

Credit unions that service mortgage loans should have policies and procedures in place to ensure employees are adequately trained.
August 1, 2012
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Five federal financial institution regulators issued guidance to mortgage servicers on military homeowners .
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Accelerated mortgage

CU Hits a Mortgage Home Run

‘Accelerated mortgage’ proves popular among well-qualified borrowers.
March 1, 2012
Darla Dernovsek
No Comments
Roughly 90% of those who refinanced through the program were new members with an average loan-to-value of 45% and credit scores in the high 700s.
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Mortgage delinquency

Mortgage Delinquencies Edge Up During Fourth Quarter

But as the economy improves, delinquency rates should drift down.
February 15, 2012
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While mortgage delinquencies have dropped more than 6% since fourth quarter 2010, it will take a long time for them to return to normal.
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OK to Walk Away?

Survey says 36% of Americans believe strategic defaults are acceptable in some cases.
October 25, 2010
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As the housing market continues to flounder in many parts of the country, 21% of homeowners say they owe more on their mortgages than their homes are worth, survey says.
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May Cover

Credit Union Magazine

• May digital edition

May 2013

heroes

What's Popular

Popular Stories

Finovate Highlights Industry's Best and Brightest

Look into the Future of Finance

Scenes from FinovateSpring 2013

Scenes from the 19th Annual CUNA CFO Council Conference

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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