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Research & Compliance     

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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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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
December 15, 2014
TIPs Bulletin #14-29 2015 Standard Mileage Rates
 
December 5, 2014
TIPs Bulletin #14-28 AB 60 and AB 1660 - New California AB 60 Driver License
 
November 20, 2014
TIPs Bulletin #14-27 Annual Regulation D Reserve Adjustments
 
 
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

FREE MBL WEBINAR FOR SMALL CUs
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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WEEKLY E-REPORTS START IN JANUARY
updated 12/15/14 05:30 PM
TIPs on 2015 IRS Mileage Rates
The first weekly report to which the provisions of Assembly Bill 2298 will apply to credit unions is coming in early January. This legislation allows financial institutions holding local agency deposits to submit weekly reports to the California Department of Business Oversight (DBO) electronically.

Click to view the complete story

TIPs, EXAM MANUAL, MORTGAGE GUIDANCE
updated 12/09/14 07:32 AM
Latest Compliance Roundup
The California and Nevada Credit Union Leagues have posted TIPs Bulletin 14-28, which outlines California Assembly Bill 60 legislation and requirements for the California Department of Motor Vehicles (DMV) regarding issuing driver's licenses to individuals that are able to prove identity and state residency.

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.
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.