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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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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
January 16, 2015
TIPs Bulletin #15-02 2015 Information Returns and Disclosures
January 15, 2015
TIPs Bulletin #15-01 Important Reminder: Limitation on Credit Card / Unsecured Open-end Credit Late Fees (CA Financial Code 4001)
December 31, 2014
TIPs Bulletin #14-35 Truth in Lending (Regulation Z) Adjustment to Asset-Size Exemption Threshold for Escrow Accounts for Higher-priced Mortgages
TIPs Bulletin #14-34 Home Mortgage Disclosure (Regularion C) Adjustment to Asset-Size Exemption Threshold
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 02/11/14 10:00 AM
Also, Register for Matz-Cordray Town Hall
Four new TIPs Bulletins (Technical Information and Procedures) have been posted regarding a legislative summary of California in 2013; integrated mortgage disclosures under the Real Estate Settlement Procedures Act (RESPA); 2014 Internal Revenue Service (IRS) information returns and disclosures; Home Mortgage Disclosure Act (HMDA)/Loan Application Register (LAR) reports; and the annual notice of HMDA asset-size exemption threshold for depository institutions (Regulation C).

TIPs Bulletin 14-05 highlights several California laws taking effect in 2014 that may impact credit unions, including administration, collections, employment, immigration, lending, and other topics of interest.

TIPs Bulletin 14-04 looks at the scope of the Consumer Financial Protection Bureau’s (CFPB) final rule and official interpretation that combine certain disclosures that consumers receive in connection with applying for, and closing, on a mortgage loan under the Truth in Lending Act (Regulation Z) and RESPA (Regulation X).

TIPs Bulletin 14-03 gives crucial information on the Internal Revenue Service’s (IRS) information-return forms, including a link to the actual form, the title, what to report, the amounts to report, the IRS’s due date, and the recipient’s due date.

TIPs Bulletin 14-02 provides insight into HMDA’s requirement on some credit unions to collect data about their housing-related lending activity, and includes the filing deadline for 2013 HMDA data and the HMDA data entry software.

TIPs Bulletin 14-01 examines the CFPB’s final rule amending the official commentary that interprets the requirements of the bureau’s Regulation C (home mortgage disclosure) to reflect a change in the asset-size exemption threshold based on the annual percentage change in the Consumer Price Index for urban wage earners and clerical workers (CPI-W).

'Town Hall' With CFPB’s Richard Cordray
NCUA Board Chairman Debbie Matz will host another free town hall webinar with Richard Cordray, director of the Consumer Financial Protection Bureau (CFPB), on Feb. 12 at 12 p.m. (Pacific).

The webinar is an opportunity for credit union leaders and compliance officials to engage their regulator and get answers to important questions, especially on the CFPB’s new mortgage rules.

Online registration is available by clicking here. Participants will use this same link to log into the webinar, and they should allow pop-ups from this website.

During the webinar, participants can type in questions about any topic related to the credit union industry or the CFPB’s work. Participants can also submit advance questions at WebinarQuestions@ncua.gov. The subject line of the email should read NCUA-CFPB Town Hall.

For technical questions about accessing the webinar, please send an email to audience.support@on24.com.

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updated 01/16/15 04:35 PM
TIPs Bulletins; Cuban Asset Reg.
The Department of Business Oversight (DBO) has standardized electronic forms for weekly and quarterly reporting of local agency deposits and securities, allowing financial institutions to submit their weekly reports to the DBO electronically rather than through the U.S. mail. This change was made possible by Assembly Bill 2298, which took effect Jan. 1.

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updated 01/13/15 09:35 AM
Additional MSB Guidance
The National Credit Union Administration (NCUA) sent a letter to federally-insured credit unions on its supervisory priorities for 2015. The letter is intended to assist credit unions in preparation for 2015 examinations.

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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.