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May Cover

Credit Union Magazine

View Archived Issues:

May 2013

• May digital edition

In This Issue

Move Members from the Showroom to Your Lobby

Use data from indirect loan applications to start your discussion with new members. Read More

CUNA Mutual Rolls Out Car-Buying App

Application provides vehicle information and loan application assistance for members looking to buy cars. Read More

CUs Maintain Fee Advantage

Find the balance between member-friendly fees and your CU’s financial viability. Read More

Overdraft Protection Plans Getting A Closer Look

CUs consistently offer lower and fewer fees than their bank competitors. Read More

Five Issues Facing CFOs

Establish a policy that aligns concentration tolerance with the strategic plan. Read More

HGTV Host a Public Relations Bonanza for Michigan CU

‘We’re big into mortgages and Carter’s big into homes.’ Read More

Report: Older Americans Running Up Credit Card Debt

One-fourth of older households have taken on credit card debt to help other family members. Read More

Five Tech Trends to Watch

CUs must continually improve their technical infrastructure. Read More

The Curious Case of Bank Fees

There’s a striking contrast between CU and bank fees. Read More

Delivering Substance on Regulatory Relief

When it comes to regulatory relief, CUs deliver substance with the rhetoric. Read More

The Return of the Borrower

Expect CU loan balances grow 5% to 6% in 2013. Read More

Don’t Roll the Dice on Leadership

Don’t force upwardly mobile employees to keep their intensions secret. Read More

The Road to Insurance Can Get Confusing

Is this something credit unions should have in their product and service repertoire? Depends.

Read More

Take Advantage of Upcoming CUNA Schools

CUNA on-site programs provide great environments that give credit union professionals a chance to learn, network and discuss critical issues. Read More

Tell, Don't Sell

'Fees' not necessarily a four-letter word when linked with member-friendly services. Read More

Tackle Benefit Costs From a Different Angle

Use investment returns to prefund employee benefits. Read More

Nontraditional Services Build Trust

'Our licensed agents are all salaried CU employees.' Read More

Let ACUC’s Keynoters Energize You in New York

The credit union movement’s forward-thinking conference will be held June 30-July 3. Read More

The Call for Wegner Award Nominations

Winners will be honored at NCUF’s annual awards dinner during next year's Governmental Affairs Conference. Read More

NCUA is Looking at Fair Lending Practices

Agency will focus on the Equal Credit Opportunity Act, Home Mortgage Disclosure Act, and Fair Housing Act. Read More

Compliance Q&A: Fair Credit Reporting Act (FCRA)

Also, are credit unions required to give written adverse action notices? Read More

Apprise Your Appraisals

CFPB amended Reg B to implement a Dodd-Frank Act amendment to the Equal Credit Opportunity Act. Read More

High-Cost vs. Higher-Priced

Mortgages that fall into the high-cost or higher-priced category have certain restrictions and requirements, so it’s important to understand what they are. Read More
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

Gladwell: CUs are David to Banks’ Goliath

Survey Says: Americans Lack Credit Score Knowledge

Warren Morrow Named 2013 CU Hero of the Year

Finovate Unveils Best of Show Winners

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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