<?xml version="1.0" encoding="UTF-8"?><rss version="0.92">
<channel>
	<title>PolicyWorks</title>
	<link>http://www.theworksblog.com</link>
	<description></description>
	<lastBuildDate>Fri, 03 Feb 2012 13:23:28 +0000</lastBuildDate>
	<docs>http://backend.userland.com/rss092</docs>
	<language>en</language>
	<!-- generator="WordPress/3.0" -->

	<item>
		<title>A Fresh Start</title>
		<description><![CDATA[With new regulations coming from federal agencies on almost a daily basis it is easy to forget that broad reviews of all existing regulations are conducted regularly. The NCUA recently posted a list of regulations that it plans to review in 2012.  The NCUA reviews all of its existing regulations every three years. This year [...]]]></description>
		<link>http://www.theworksblog.com/index.php/2012/02/02/a-fresh-start/</link>
			</item>
	<item>
		<title>Does the new remittance rule apply to my CU?</title>
		<description><![CDATA[When the new final remittance rule was released by the CFPB, many of you probably assumed it didn&#8217;t apply to your credit union because you don&#8217;t do traditional remittance transfers. Well, if you do international wire transfers or international ACH transactions, it may apply to you. The new final rule amends Regulation E and provides for additional [...]]]></description>
		<link>http://www.theworksblog.com/index.php/2012/01/31/does-the-new-remittance-rule-apply-to-my-cu/</link>
			</item>
	<item>
		<title>Web Browsers and Compliance?</title>
		<description><![CDATA[If you are like me you have a significant number of favorites set up in your web browser to assist you with your ongoing compliance responsibilities.   Take for instance Regulation Z (Truth in Lending).  I have Title 12 Chapter II Part 226 from the electronic Code of Federal Regulations bookmarked (no, unfortunately I don’t have [...]]]></description>
		<link>http://www.theworksblog.com/index.php/2012/01/26/web-browsers-and-compliance/</link>
			</item>
	<item>
		<title>A website reminder and a webinar</title>
		<description><![CDATA[Here’s something I ran across last week that I thought might be a good reminder: Do you advertise your dividend-bearing term share accounts as “Certificate of Deposits” on your website? If so, it is time to make a change. It is important to use the correct terminology when advertising these types of accounts. Truth in [...]]]></description>
		<link>http://www.theworksblog.com/index.php/2012/01/24/a-website-reminder-and-a-webinar/</link>
			</item>
	<item>
		<title>Cordray New Director of CFPB</title>
		<description><![CDATA[You may have read a few of my blog posts in the past few months updating you on the ongoing work of the Consumer Financial Protection Bureau (CFPB). A very big, recent update  has been the appointment of a director for the CFPB. On Wednesday, January 4th, President Obama used a recess appointment to appoint Richard Cordray as the first [...]]]></description>
		<link>http://www.theworksblog.com/index.php/2012/01/17/1990/</link>
			</item>
	<item>
		<title>An Ounce of Prevention is Worth a Pound of Cure</title>
		<description><![CDATA[The advice “an ounce of prevention is worth a pound of cure” used by Benjamin Franklin in the 1700s to explain the need for fire prevention may be more helpful now in this new age of regulations. While fires caused economic hardship, so can improper regulatory policies. In order to help credit unions prevent regulatory [...]]]></description>
		<link>http://www.theworksblog.com/index.php/2012/01/12/an-ounce-of-prevention-is-worth-a-pound-of-cure/</link>
			</item>
	<item>
		<title>More Reg Z changes</title>
		<description><![CDATA[So much for the CFPB republishing Reg Z and not making any substantive changes. There are a couple things you should know about the CFPB&#8217;s version of Reg Z as it will require changes to your current credit card disclosures. In the CFPB&#8217;s new version of Reg Z, there is a significant change to the credit card [...]]]></description>
		<link>http://www.theworksblog.com/index.php/2012/01/09/more-reg-z-changes/</link>
			</item>
	<item>
		<title>Internet Banking Risk Assessments</title>
		<description><![CDATA[Guest Blog by Tony Schwarz, Director of Risk Management, Affiliates Management Company Is your credit union fully compliant with the new FFIEC authentication guidance?  Your internet banking provider likely has a variety of security controls you can choose from to help protect your members&#8217; accounts and transactions.  However, another aspect of compliance is the NCUA exam.  [...]]]></description>
		<link>http://www.theworksblog.com/index.php/2012/01/05/internet-banking-risk-assessments/</link>
			</item>
	<item>
		<title>Account Takeover</title>
		<description><![CDATA[I don’t know about you, but I can’t believe it is 2012 already. FinCEN is starting the new year with some guidance on identifying “account takeover” suspicious activity. FinCEN defines “account takeover” as the act of using computer intrusion to target a member holding an account at a credit union to remove, steal, procure or otherwise [...]]]></description>
		<link>http://www.theworksblog.com/index.php/2012/01/03/account-takeover/</link>
			</item>
	<item>
		<title>Are we completing our GFEs correctly? – Part 2</title>
		<description><![CDATA[This is Part 2 of the ongoing &#8220;Are we completing our GFEs correctly?&#8221; series. &#8220;Are we completing our Good Faith Estimates (GFEs) correctly?&#8221; This is how I started out my blog back on November 17th and if you read it, you discovered that most credit unions are not completing the GFEs correctly. As you can [...]]]></description>
		<link>http://www.theworksblog.com/index.php/2011/12/29/are-we-completing-our-gfes-correctlypart-2/</link>
			</item>
	<item>
		<title>No Holiday Rest for CFPB</title>
		<description><![CDATA[The holidays have definitely been a busy time for everyone. Buying presents and groceries and planning for holiday parties, it can really make things hectic. Showing no signs of slowing down during the holidays, the CFPB has recently released new prototype forms through the “Know Before You Owe” initiative. These forms represent the second release [...]]]></description>
		<link>http://www.theworksblog.com/index.php/2011/12/27/no-holiday-rest-for-cfpb/</link>
			</item>
	<item>
		<title>Re-Wrapped</title>
		<description><![CDATA[Just in time for the holidays, the CFPB is pulling out its wrapping paper and tape and presenting the credit union community with refurbished regulations. They may look like the old regulations but they have shiny new citations. Title X of the Dodd-Frank Act transferred rulemaking authority for numerous regulations to the CFPB on July [...]]]></description>
		<link>http://www.theworksblog.com/index.php/2011/12/22/re-wrapped/</link>
			</item>
	<item>
		<title>Frank</title>
		<description><![CDATA[If you conduct the BSA training in your credit union and you  haven&#8217;t heard about Frank Mendoza, you must read this post. Frank Mendoza was a loss mitigation specialist for Chase Bank who was convicted of unlawfully disclosing the existence of a Suspicious Activity Report (SAR). However, that&#8217;s not the whole story. Frank was also [...]]]></description>
		<link>http://www.theworksblog.com/index.php/2011/12/20/frank/</link>
			</item>
	<item>
		<title>Are you following your Reg E error resolution procedures?</title>
		<description><![CDATA[Everyone knows what Regulation E is but are you in compliance when it comes to your error resolution procedures?  Recently, a bank in Indiana was slapped with civil money penalties of $82,500 by the FDIC for Reg E violations.   So, you are probably asking yourself, what did the bank do?  Well, one thing they didn’t [...]]]></description>
		<link>http://www.theworksblog.com/index.php/2011/12/15/are-you-following-your-reg-e-error-resolution-procedures/</link>
			</item>
	<item>
		<title>OFAC&#8217;s SDN (Naughty) List</title>
		<description><![CDATA[OFAC has released a new SDN search tool on its website located here to help your credit union determine who is naughty or nice this holiday season. As always, OFAC provides the following: Use of this system implies understanding that searches performed by SDN Search are conducted at the user’s own risk, and that the search [...]]]></description>
		<link>http://www.theworksblog.com/index.php/2011/12/13/ofacs-sdn-naughty-list/</link>
			</item>
</channel>
</rss>

