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Research & Compliance     


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.

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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
March 25, 2015
TIPs Bulletin #15-06 Foreign Language Translation Forms Revisions
TIPs Bulletin #15-05 NCUA Issues Warning to Consumers about “National Credit Union” Phishing Scam
January 28, 2015
TIPs Bulletin #15-04 2014 Residential Mortgage Loan Report
TIPs Bulletin #15-03 HMDA/LAR Reports
January 16, 2015
TIPs Bulletin #15-02 2015 Information Returns and Disclosures
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

updated 09/09/13 07:54 PM
Also, 'Common Bond' Letter Issued
The National Credit Union Administration (NCUA) will host a free webinar by the Office of Small Credit Union Initiatives (OSCUI), entitled Member Business Lending For Small Credit Unions, on Sept. 17 at 11 a.m. (Pacific).

Staff from OSCUI and NCUA Region IV's Division of Special Actions will explain the agency’s requirements for a successful member business lending program. Webinar participants will also hear from a credit union business development specialist who will discuss, step-by-step, how to start a safe and sound program.

This webinar is open to credit unions of all asset sizes. Click here to register. Participants will use this same link to log into the webinar. Registrants should allow pop-ups from this website.

Participants may submit questions in advance at WebinarQuestions@ncua.gov. The subject line of the email should read Strategy and Policy. For technical questions about accessing the webinar, email audience.support@on24.com.

Click here to view information on Part II of the Member Business Lending Webinaron Sept. 25.

Common-Bond Advertising Letter Issued
Following the NCUA's Letter to Credit Unions on common bond advertising requirements, federal credit unions with associational memberships are being urged to review their policies and practices, as they do periodically, to ensure their continued compliance with federal regulation.

CUNA is currently working with the NCUA to determine how many federal credit unions offer membership through an association.

The letter, which doesn't apply to state-chartered credit unions, addressed common-bond requirements in the Federal Credit Union Act and NCUA rules; requirements for accuracy of advertising in NCUA rules; and consequences of failing to comply with these requirements.

CFPB Law on Consumer Report 'Furnishers'
Companies—including credit unions, which supply information to credit rating companies—are being reminded by the Consumer Financial Protection Bureau (CFPB) of their legal responsibilities when it comes to consumer disputes.

The CFPB is issuing a bulletin targeted at these companies, called "furnishers," making it clear that they are responsible for investigating consumer disputes forwarded by the consumer reporting companies.

The Credit Union National Association (CUNA) is talking with the CFPB about the bulletin and how associated regulatory burdens for credit unions can be minimized.

Click here to read more.

Click here to view information regarding the Fair Credit Reporting Act's requirement to investigate disputes and review all relevant information provided by consumer reporting agencies about the dispute.

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updated 06/30/15 08:42 AM
Plus, Compliance Hotline
The first-quarter 2015 Credit Union Quarterly Performance Reports for California and Nevada are now available from the California and Nevada Credit Union Leagues.

Click to view the complete story

updated 06/23/15 10:12 AM
Also, Overdrafts Still Regulatory Priority
Five federal regulatory agencies including the National Credit Union Administration (NCUA), have approved a final rule that modifies the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA). The final rule applies to loans secured by properties located in special flood hazard areas and implements provisions related to the escrowing of flood insurance payments and the exemption of some detached structures from the mandatory flood insurance purchase requirement. The final rule also implements provisions in the Biggert-Waters Flood Insurance Reform Act of 2012 (the Biggert-Waters Act) relating to the force placement of flood insurance.

Click to view the complete story

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.
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Comment Letters
The Leagues write letters in response to proposed legislation and regulations that affect your credit union’s ability to serve members.