Regulation Z – Closed-End Credit Disclosures Regulation Z defines closed-end credit simply as any consumer credit that does not meet the definition of open-end credit as defined in Regulation Z. Click here to learn more about Regulation Z.
To Pay or not to Pay? Opinions vary on Courtesy Pay Is courtesy pay the ultimate "win-win" for credit unions and their members? Or is it a service that shows the credit union industry is losing its values? Click here to learn more.
Use Due Diligence When Purchasing CDs By failing to conduct comprehensive evaluations of CD brokers and safekeepers, credit unions are following unsound business practices. Click here to learn more.
Credit Analysis When discussing investment risks facing credit unions, liquidity and interest rate risk typically receive top billing as the most significant. Click here to learn more.
Getting It All Together It's an online consumer's dream: Go to one Web site to review all your financial accounts and conduct all your transactions. One password, one portal, one page. Account aggregators are trying to make that dream a reality. Click here to learn more.
Financial Counseling Welcome to the golden age, when credit union members seem able to do it all and have it all. Unfortunately, many lack the basic financial know-how and discipline they need to pay for it all. Click here to learn more.
Risk/Return At A Premium Interest rates are low, so where do you go for yield? Premium risk is one way to obtain higher returns, but without careful, thoughtful analysis it may cause a lot of pain. Click here to learn more.