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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.
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

updated 01/02/14 12:28 PM
Also, CU Performance Reports Issued
Five new TIPs Bulletins (Technical Information and Procedures) were posted during the latter half of December on social media guidance, the exemption of higher-priced mortgage loans from appraisal requirements, changes to credit union service organization regulations, the definition of a “qualified mortgage,” and adjustments to consumer protection laws.

TIPs Bulletin 13-55 looks at the Federal Financial Institution Examination Council’s (FFIEC) final guidance on the applicability of consumer protection and compliance laws, regulations, and policies on activities conducted via social media by banks, savings associations, and credit unions, as well as non-bank entities that are supervised by the Consumer Financial Protection Bureau (CFPB).

TIPs Bulletin 13-56 reviews a final rule issued jointly by federal financial regulators that creates exemptions from certain appraisal requirements for a subset of higher-priced mortgage loans. These exemptions are intended to save borrowers time and money while still ensuring the loans are financially sound.

TIPs Bulletin 13-57 examines the National Credit Union Administration’s (NCUA) final rule to amend its credit union service organization (CUSO) regulation that the agency says will increase transparency and address certain safety and soundness concerns.

TIPs Bulletin 13-58 analyzes the Housing and Urban Development agency’s (HUD) new qualified mortgage rule and definition, which supersede the CFPB’s rule with respect to loans insured, guaranteed, or administered by HUD.

TIPs Bulletin 13-59 delves into the Home Ownership and Equity Protection Act’s “fee trigger” being changed to $1,000, which will be adjusted annually thereafter.

CU Quarterly Performance Reports Posted
The third-quarter market performance reports from Callahan & Associates for California and Nevada are now available!

Both reports give a key snapshot of the national economy, key performance data and ratios on California and Nevada credit unions, and national-versus-state comparisons.

For Your Board Packets and ALM Meetings
Credit unions are encouraged to access the valuable economic and credit union data the California and Nevada Credit Union Leagues offer to supplement board meeting packets and asset/liability management meetings.

The following materials are posted every month by Leagues Chief Economist Dwight Johnston: Monthly Commentary, Current Interest Rate Forecast, and Economic Data.

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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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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.
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.