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Items Tagged with 'appraisal'
Agencies Exempt Subset of Higher-Priced Mortgages
Loans of $25,000 or less and certain 'streamlined refinancings' won't require appraisals.
February 1, 2014
The CPFB and NCUA exempt loans of $25,000 or less and certain “streamlined refinancings” from the appraisal requirements.
Apprise Your Appraisals
New CFPB rule requires creditors to give applicants free copies of appraisals.
May 19, 2013
CFPB amended Reg B to implement a Dodd-Frank Act amendment to the Equal Credit Opportunity Act.
New Realities Shape Today’s Appraisals
Appraisal tools come with a learning curve and other drawbacks.
February 2, 2012
Wholesale and correspondent CU mortgage lenders must scramble to comply with the latest regulation standardizing appraisals.
A Complex Appraisal Reg, In a Nutshell
New Reg Z provisions take effect this month.
April 1, 2011
What are the Dodd-Frank Act's new requirements for appraisal independence?
Compliance Matters: SAFE Act Training
Register mortgage loan originators until July 29.
March 14, 2011
CUNA Compliance Staff
Registry open for mortgage originators.
Credit Union Magazine
August 2014 digital edition
To Add Members, Think ‘Bold’ and ‘Local’
HELOC ‘End of Draw’ Periods Could Create ‘Financial Shock’ for Consumers
Know the Signs of Workplace Fraud
CUs Plan Hiring, Pay Increases
Guard Against Employment Practices Liability Claims
While I thought that the premise of the article was good, I found one point very disturbing. It is that the Visions FCU ages people off their board at age 70. I found that really offensive. It perpetuates what I believe to be the regrettable marginalization of elders in our society, and the often erroneous assumption of debility and decline after a certain chronological age. Lots of folks over 70 are leading dynamic and viable professional lives and contributing to our society. How about Warren Buffet, a number of Supreme Court Justices, Jimmy Carter, the late Nelson Mandela and the late Maya Angelou, to name but a few, along with scads of writers, academics, performers, artists, and often our friends, neighbors and colleagues. If Visions wants new people on their board, it seems as though the term limitations and a nominating committee can accomplish that without aging all people off at age 70. I think that’s so insulting. And if those were paid employment, it would be illegal. I do wish you’d have picked a different credit union to profile---one that perhaps does many of the same things, without the arbitrary age exclusion. There have to be others out there.
David, good point about the "recovering comfortably" comment. That was an editorial addition--which I'll remove.
Many good points but too rosy? Will the "Federal Reserve raise short-term interest rates 1% per year for the next three years, starting in 2015—“probably next year at this time” ? I have heard from other economist that the US government will go bankrupt if that happens due to the QE the fed has done for several years. Also it seems an exaggeration to say “We survived a heart attack,now the economy is recovering comfortably." Comfortably recovering is too ignore the economic stress that many members still live with daily that will eventually affect many credit unions.
Karan, Great article and insight. I would also recommend that you start getting those credit cards into the hands of the youth BEFORE they are in college. One of the best ways to reach this young generation is through mom and dad. Before the student goes to college, get them started with a credit card (even if mom and dad are joint on it). It's never too early to start marketing credit cards. Mark
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