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first_imgThe Consumer Financial Protection Bureau on Tuesday issued three new policies to promote innovation and compliance. The CFPB issued the No-Action Letter (NAL) Policy; Trial Disclosure Program (TDP) Policy; and the Compliance Assistance Sandbox (CAS) Policy. According to the CFPB, regulatory uncertainty can “hinder the development” of innovative products and services that benefit consumers. NALs provide increased regulatory certainty through a statement that the CFPB will not bring a supervisory or enforcement action against a company for providing a product or service under certain circumstances. “The new NAL Policy improves on the Bureau’s 2016 NAL Policy by having, among other things, a more streamlined review process focusing on the consumer benefits and risks of the product or service in question.” the CFPB says.  The CFPB’s first NAL under the new policy is in response to a request by the Department of Housing and Urban Development (HUD) on behalf of more than 1,600 housing counseling agencies (HCA) that partake in HUD’s housing counseling program. HUD discussed concerns in 2018 to the CFPB about the HCAs and lenders not entering into agreements that would fund counseling services due to uncertainty of the Real Estate Settlement Procedures Act (RESPA). A group of HUD Intermediaries filed a comment letter in February 2019 on the insufficiency of the CFPB’s prior NAL policy and supporting the new on. “The no-action letter essentially states that the Bureau will not take supervisory or enforcement action under RESPA against HUD-certified HCAs that have entered into certain fee-for-service arrangements with lenders for pre-purchase housing counseling services,” the release states. “The NAL, which is an exercise of the Bureau’s supervisory and enforcement discretion, is intended to facilitate HCAs entering into such agreements with lenders and will enhance the ability of housing counseling agencies to obtain funding from additional sources.”The new TDP policy allows entities looking to improve consumer disclosures to conduct in-market testing of alternative disclosures upon permission by the CFPB. CFPB’s new CAS Policy allows the testing of a financial product of service where there is regulatory uncertainty. September 11, 2019 1,153 Views Promotion of Innovation, Compliance Addressed in New CFPB Policies Home / Daily Dose / Promotion of Innovation, Compliance Addressed in New CFPB Policies Governmental Measures Target Expanded Access to Affordable Housing 2 days ago CFPB HUD Policy 2019-09-11 Mike Albanese Demand Propels Home Prices Upward 2 days ago Share Save Data Provider Black Knight to Acquire Top of Mind 2 days ago About Author: Mike Albanese Tagged with: CFPB HUD Policy Mike Albanese is a reporter for DS News and MReport. He is a University of Alabama graduate with a degree in journalism and a minor in communications. He has worked for publications—both print and online—covering numerous beats. A Connecticut native, Albanese currently resides in Lewisville. Subscribe Servicers Navigate the Post-Pandemic World 2 days agocenter_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Related Articles The Week Ahead: Nearing the Forbearance Exit 2 days ago Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Previous: Financial Services Bills Address Rural Housing and Appraisals Next: Ginnie Mae, NewDay USA Reach Agreement on VA Loans Servicers Navigate the Post-Pandemic World 2 days ago in Daily Dose, Featured, Government, News Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago  Print This Postlast_img read more


first_imgby: Chuck FaganI have an amazing network in my CEO Institute classmates. Since I announced my plan to leave CUES and become CEO at PSCU, I’ve been getting emails and texts from them—even the one from Brazil—asking, “Will you be at Darden the first week of May? We want to finish out the institute with you!”I am very sorry to tell them I won’t be there in May—this spring’s CEO Institute III will be held just days after I take the helm at PSCU. But I also tell them I plan to attend the institute in the future because it will perfectly round out what we’ve already learned from the program.CEO Institute I focused on the big picture that is strategic planning. CEO Institute II narrowed our focus to organizational-level development. And CEO Institute III will look at personal leadership style and ways to become more effective.Even with the upcoming shift in my job, I’m planning to participate in CUES’ Strategic Innovation Institute II at Stanford University in August. Last year’s inaugural Strategic Innovation Institute I class at MIT was a wonderful mix of credit union executives and leaders of industry support organizations. So, as the new CEO of a long-time industry CUSO, I’ll still fit right in.And I can count on the Strategic Innovation Institute content being highly useful. The jobs of CEOs and management teams at credit unions and industry organizations alike are getting harder and harder. A willingness to try ideation and new concepts—and not being afraid to fail—will help us all stay on top. I learned a lot of innovation concepts last year that I’ve been able to apply over and over in my work. Strategic Innovation Institute II is designed to be even more hands on.Someone recently asked me what I want the legacy from my years at CUES to be. And I said “innovation.” In addition to helping to launch the Strategic Innovation Institute to bring innovation theory and application to the CU industry, I’ve also helped to launch an organizational culture that fosters innovation at CUES. Down the road, I’d like to be able to say I helped CUES move along the path of trying new things to provide ever-better service and professional development opportunities to its members.When I took the helm at CUES, I meant it to be career, not a stepping stone. But life takes interesting twists and turns, doesn’t it? I’m excited that my next adventure will still be within the CU movement, where world-class learning, great leadership and leaving worthwhile legacies are so highly valued. See you all soon.Charles E. “Chuck” Fagan, III, is president/CEO of the Credit Union Executives Society, an individual membership association based in Madison, Wis., until April 10. He will become CEO of CUES Supplier member PSCU, St. Petersburg, Fla., on April 27. CUES’ SVP/Chief Sales & Member Relations Officer Dawn Poker, CUDE, has been named acting CEO of CUES. Before joining CUES in January 2013, Fagan served as executive vice president of PSCU’s national sales and client relationship teams and helped pioneer the company’s role in bringing emerging payments technologies to its member-owner credit unions. 37SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Charles Fagan Charles E. “Chuck” Fagan, III is President and CEO of PSCU, a credit union service organization that leverages the cooperative model to better serve credit unions and their members through … Web: www.pscu.com Detailslast_img read more


first_imgBABAR Azam registered the biggest Twenty20 score of his career as international cricket returned to Pakistan with the hosts beating a World XI by 20 runs.The country played host to a competitive international for the first time since a terrorist attack targeted Sri Lanka’s team bus in Lahore in 2009, with the same city hosting this fixture.Signs held by the spectators reading ‘Pakistan wins today’ and ‘Historic moment – thanks World XI’ bore out the emotional nature of the contest, with a capacity crowd at a heavily guarded Gaddafi Stadium.And it was Babar who played the hero’s role, smashing 86 from 52 balls in an effort of 197-5, which proved too much for the all-star opposition to chase down.Babar and Ahmed Shehzad (39) did the bulk of the work for Pakistan, piling on 122 runs for the second wicket after Fakhar Zaman was ousted by Morne Morkel in the first over for eight.The 22-year-old Babar far surpassed his previous best of 55 not out, hitting 10 fours and a pair of sixes in a thrilling knock.Shoaib Malik kept his feet on the gas with a 20-ball 38, with Imad Wasim’s 15 runs from four, 14 of which came from the final three deliveries of the final over, putting up a total that the tourists could not overcome.The World XI saw a string of starts stymied, with Hashim Amla (26), Tim Paine (25) and captain Faf du Plessis (29) all failing to match Babar’s earlier efforts.Sohail Khan (2-28), Rumman Raees (3-72) and Shadab Khan (2-33) each made regular inroads into the visiting line-up, with Darren Sammy’s entertaining unbeaten 29 in vain as the World XI fell well short on 177-7 from their allocation.last_img read more