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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.
     
InfoSight CU PolicyPro Rate Map
 
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
August 8, 2014
TIPs Bulletin #14-15 MasterCard Revised Standards – Limitation of Liability of Cardholders for Unauthorized Use (“Zero Liability”)
   
July 16, 2014
TIPs Bulletin #14-14 Canada’s Anti-SPAM Legislation (CASL) and Its Impact to U.S. Credit Unions
   
June 30, 2014
TIPs Bulletin #14-13 Voluntary Liquidation
TIPs Bulletin #14-12 Annual Indexing of HUD’s Basic Statutory Mortgage Limits for Multi-Family Housing Programs
   
 
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

NCUA ISSUES ENTERPRISE RISK GUIDANCE
updated 11/19/13 10:16 AM
New TIPs Also Posted
The National Credit Union Administration's (NCUA) recent letter to federally insured credit unions (13-CU-12) clarifies the agency's supervisory expectations regarding credit unions' risk management systems.

NCUA’s examination process requires examiners to gauge the overall effectiveness of a credit union’s risk management process based on an evaluation of several components, as well as an understanding that each credit union’s approach will be tailored to its individual business strategy and risk tolerance.

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New TIPs Bulletins Posted
New TIPs Bulletins (Technical Information and Procedures) have been posted regarding federal credit union ownership of fixed assets and annual Regulation D reserve Adjustments.

TIPs Bulletin 13-48 provides details regarding the Federal Reserve Board's recent announcement on annual adjustments to the transaction account balances that are subject to reserve requirements under Regulation D. The board also amended the minimum balance requirements for transaction account reserves that are used to determine the frequency of reporting.

TIPs Bulletin 13-49 gives a closer look at the NCUA's amended regulation governing federal credit union ownership of fixed assets. The proposed amendments clarify the rule and improve its overall organization, structure, and readability.

 
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CFPB ISSUES FINAL 'TILA' ADJUSTMENTS
updated 08/19/14 11:35 AM
Rule Reviews Dollar Amounts
The Consumer Financial Protection Bureau (CFPB) is issuing its final rule on Truth in Lending Act (TILA) annual threshold adjustments, amending the regulatory text and official interpretations for Regulation Z, which implements TILA.

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TIPs: MASTERCARD ZERO LIABILITY RULE
updated 08/12/14 10:29 AM
InfoSight Survey, FinCEN Advisory
The California and Nevada Credit Union Leagues have published TIPs Bulletin 14-15 (Technical Information and Procedures Bulletin), which addresses how MasterCard is revising its zero-liability rule in the United States by simplifying the language and applying the rule to all MasterCard-branded POS and ATM transactions (PIN-based).

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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.