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Research & Compliance     

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California & Nevada

Research & Compliance

The answers you need—when you need them!
When technical challenges or complex situations arise at your credit union, turn to the Leagues’ Research & Information (R&I) Department. Our mission is to provide technical, compliance, operational, economic, and regulatory information in an understandable and easily accessible way.
     
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Credit Union Quarterly Performance Report

A resource for credit unions in CA & NV, providing credit union financial and economic trend analysis, brought to you by your Leagues in partnership with CUNA & Affiliates.

Ask R&I

Answers to your crucial questions can be less than one business day away. Post your question here, and a talented R&I professional will get back to you quickly! Or if you prefer, call the R&I Hotline to speak directly with our knowledgeable consultants. R&I Hotline: 877-243-5728
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TIPs Bulletins
The Technical Information Procedure (TIPs) bulletins are great tools to help credit union staff understand recent changes in laws and regulations and how they may affect the credit union. TIPs bulletins address current mandatory compliance issues and changes to federal and state regulations. Continue for complete list of current TIPs Bulletins
January 16, 2015
TIPs Bulletin #15-02 2015 Information Returns and Disclosures
   
January 15, 2015
TIPs Bulletin #15-01 Important Reminder: Limitation on Credit Card / Unsecured Open-end Credit Late Fees (CA Financial Code 4001)
   
December 31, 2014
TIPs Bulletin #14-35 Truth in Lending (Regulation Z) Adjustment to Asset-Size Exemption Threshold for Escrow Accounts for Higher-priced Mortgages
TIPs Bulletin #14-34 Home Mortgage Disclosure (Regularion C) Adjustment to Asset-Size Exemption Threshold
   
 
CURoots Services

Shared Compliance Services
CURoots offers a variety of services to help you keep pace with ever-changing regulatory compliance while you focus on day-to-day credit union business.

Internal Audit Services
CURoots can help your credit union identify potential issues, assess risk, and save valuable time and resources by providing expert assistance for your auditing needs.


From the Editors of CU Weekly

FinCEN ISSUES NEW SAR, CTR GUIDES
updated 06/03/13 01:42 PM
Also, New TIPs Bulletins Posted
New frequently-asked-question guides have been posted by the Financial Crimes Enforcement Network (FinCEN) on Suspicious Activity Reports (SAR) and Currency Transaction Reports (CTR) to assist financial institutions in their use of both FinCEN reports.

The frequently-asked-question guides are the only acceptable format for submitting SARs and CTRs to FinCEN. The network will issue additional guidance as needed.

Click here to access the SAR guide.

Click here to access the CTR guide.

New TIPs Bulletins Posted
Stay updated on compliance issues and rules with new TIPs Bulletins posted by the California and Nevada Credit Union Leagues! TIPs Bulletins (Technical Information and Procedures) have been published within the past couple of weeks, including the following:

TIPs Bulletin 13-30 provides information on amendments to the 2013 Escrow Final Rule under the Truth in Lending Act (Regulation Z).

TIPs Bulletin 13-29 provides information on the final remittance transfer rule issued by the Consumer Financial Protection Bureau (CFPB).

 
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TILA-RESPA RULE CHANGES FINALIZED
updated 01/26/15 04:27 PM
Plus, FinCEN Issues New SAR Stats
Proposed amendments by the Consumer Financial Protection Bureau (CFPB) to the TILA-RESPA Integrated Disclosure rule were finalized in late January. These changes are effective Aug. 1, 2015.

Click to view the complete story

ELECTRONIC DBO FILING
updated 01/16/15 04:35 PM
TIPs Bulletins; Cuban Asset Reg.
The Department of Business Oversight (DBO) has standardized electronic forms for weekly and quarterly reporting of local agency deposits and securities, allowing financial institutions to submit their weekly reports to the DBO electronically rather than through the U.S. mail. This change was made possible by Assembly Bill 2298, which took effect Jan. 1.

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D.J.'s Economix
Leagues Chief Economist Dwight Johnston continually provides economic and market analysis that is both informative and entertaining. Continue for daily and monthly commentary, rate forecasts, and economic updates.
Resources
Scroll through a variety of practical resources to help with BSA, compensation, compliance, disaster preparedness, regulatory exams, and more.
Comment Letters
The Leagues write letters in response to proposed legislation and regulations that affect your credit union’s ability to serve members.