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From the Editors of CU Weekly

updated 01/24/14 10:00 AM
18 Percent Through September 2015
The National Credit Union Administration (NCUA) approved a continuation at its recent January board meeting of the current 18 percent interest rate ceiling for federal credit union loans through Sept. 10, 2015. (available here)

The Federal Credit Union Act sets a 15 percent interest rate ceiling for federal credit unions but allows the NCUA Board to set a higher rate of interest for 18-month periods based on prevailing financial conditions.

If NCUA had not acted, the ceiling would have reverted to 15 percent, as required by the act, on March 11, 2014. Under the act, the NCUA Board is authorized to raise the ceiling to 21 percent.

However, increases of more than 15 percent may only occur if money market interest rates have risen in the past six months and disintermediation threatens the credit union system.

Click here for more information located within the NCUA’s Board Action Memorandum.

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updated 11/30/15 12:02 PM
Reg. Z and M Updates
The Consumer Financial Protection Bureau (CFPB), Federal Reserve Board, and Office of the Comptroller of the Currency (OCC) announced that the threshold for exempting loans from special appraisal requirements for higher-priced mortgage loans during 2016 will remain $25,500.

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updated 11/24/15 07:46 AM
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