Items Tagged with 'regulation'

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Compliance Matters

Consider the Risks Before Serving Marijuana Businesses

Until Congress changes federal law, institutions might be taking a great risk providing services.
April 1, 2014
But it’s up to each institution to decide whether it’s worth the risk.
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Regulatory Compliance for Investments

NCUA’s investment regulations will address ‘standards of creditworthiness.’
July 31, 2013
CUNA expects NCUA to issue additional guidance on how to comply with its new investment rules.
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Regulations We’d Rather Not See

We all hope these regulatory predictions don’t come to pass.
April 7, 2013
These are the regulations that make credit union CEOs as neurotic as hypercaffeinated squirrels.
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Prepare to Report Deposit Interest Paid to Nonresident Aliens

The IRS issued a regulation that will impact credit unions, banks, and other institutions.
July 1, 2012
The IRS issued a regulation that will impact credit unions, banks, and other institutions.
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Prepare for Interest-Rate Risk Reg

Boards are responsible for having appropriate policies in place by September.
June 13, 2012
Federally insured credit unions with more than $50 million in assets must comply with the IRR regulation, but federally insured credit unions with less than $10 million in assets are exempt.
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Branching Out

Top 10 ‘Additional Triggers’

Red flags examiners should watch for as signs that a CU is failing.
March 22, 2012
The recent GAO report regarding NCUA and failed CUs was an eye-opener.
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The Interaction of SCRA and Reg Z

SCRA’s interest-rate limitations trigger requirements under Truth in Lending and Reg Z.
March 22, 2012
The first thought a CU has when it learns a member is in the military or is about to go on active  duty is that it will have to comply with the Servicemembers Civil Relief Act.
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Compliance: The Consumer Is King

Expect more scrutiny on fair lending and other consumer-focused issues.
March 11, 2012
CUs can expect to face three major regulatory compliance issues this year: safety and soundness, fair lending, and Unfair Deceptive Abusive Acts and Practices.
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Help Members Switch to Direct Deposit

Change will save taxpayers $120 million annually.
March 1, 2012
The Treasury Department requires all federal benefit check recipients to switch to an electronic payment method by March 1, 2013. CUs can help members make the switch to direct deposit now.
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Consumers Confused About Credit Card Terms

February 1, 2012
In December 2011, the Consumer Financial Protection Bureau (CFPB) issued a report on its first three months of collecting credit card complaint data. 
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Great article! Unfortunately, most employees don’t feel valued or appreciated by their supervisors or employers. In fact, research has shown that the predominant reason team members quit their jobs is because they don’t feel valued. This is in spite of the fact that employee recognition programs have proliferated in the workplace – over 90% of all organizations in the U.S. has some form of employee recognition activities in place. But most employee recognition programs are viewed with skepticism and cynicism – because they aren’t viewed as being genuine in their communication of appreciation. Getting the “employee of the month” award, receiving a certificate of recognition, or a “Way to go, team!” email just don’t get the job done. How do you communicate authentic appreciation? We have found people have different ways that they want to be shown appreciation, and if you don’t communicate in the language of appreciation important to them, you essentially “miss the mark”. Additionally, employees need to receive recognition more than once a year at their performance review. Otherwise, they view the praise as “going through the motions”. A third component of authentic appreciation is that the communication has to be about them personally – not the department, not their group, but something they did. Finally, they have to believe that you mean what you say. How you treat them has to match the words you use. If you are not sure how your team members want to be shown appreciation, the Motivating By Appreciation Inventory (www.appreciationatwork.com/assess) will identify the language of appreciation and specific actions preferred by each employee. You then can create a group profile for your team, so everyone knows how to encourage one another. Remember, employees want to know that they are valued for what they contribute to the success of the organization. And communicating authentic appreciation in the ways they desire it can make the difference between keeping your quality team members or having a negative work environment that everyone wants to leave. Paul White, Ph.D., is the co-author of The 5 Languages of Appreciation in the Workplace with Dr. Gary Chapman.

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