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Much like the multiple lawsuits that attacked fee disclosures or lack of them at ATMs of credit unions and banks the past two years, a new wave of multiple, duplicative lawsuits has begun, this time targeting banks' and credit unions' overdraft policies and processes.  Read More
Credit unions must ensure that they inform their members who are in the military and receive Permanent Change of Station orders of all their loan modification options and don't do any deceptive practices.  Read More
The Consumer Financial Protection Bureau should "fully understand and minimize the potential implementation and ongoing compliance costs and unintended consequences on credit unions from its potential new regulations,'' CUNA wrote in a letter to the agency. CUNA Regulatory Counsel Dennis Tsang recommended that the agency "develop limited, targeted questions'' when the bureau begins collecting information about compliance costs and other effects of regulations. Read More
Proposed credit union service organization regulatory changes drew a substantial number of comments from credit unions when they were released last year, and a final version of the CUSO changes will be the lone item on the agenda when the National Credit Union Administration holds its open board meeting on June 21. Read More
While consumers would benefit from greater simplicity and clarity in checking account disclosures, any disclosure changes that are made must be achieved without exacerbating credit unions' already heavy regulatory burden, CUNA President/CEO Bill Cheney said in a recent New York Times blog post.  More
CUNA in a comment letter agreed that the Consumer Financial Protection Bureau lacks the authority to regulate card fees charged before an account is opened, such as an application fee, but also warned that the CFPB's decision to only regulate fees charged after account opening could subject consumers to potentially abusive fees from non-credit union lenders.  Read More
In a communication that appears to respond to credit union and CUNA concerns regarding recent Form 990 issues, the U.S. Internal Revenue Service has advised any state credit unions that have received letters claiming to revoke their tax exemption, or whose tax status has been actually revoked, on how best to address this issue. Read More
CUNA’s Comp Blog reported that the Financial Crimes Enforcement Network ("FinCEN") issued guidance to help institutions determine whether a "customer" is eligible for an exemption from currency transaction reporting requirements.  The new guidance provides examples and answers to commonly asked questions regarding the final rules that FinCEN issued in December, 2008 and June, 2012, which amended the currency transaction report ("CTR") exemption requirements. Click here for FIN-2012-G003.
The Treasury Department's Office of Foreign Assets Control ("OFAC") published the name of a newly-designated entity whose property and interests in property are locked pursuant to Executive Order 13382 of June 28, 2005, ``Blocking Property of Weapons of Mass Destruction Proliferators and Their Supporters.''  Read more.

The Bureau of Consumer Financial Protection (CFPB) has issued an Advance Notice of Proposed Rulemaking seeking comments from the financial industry and the public about prepaid debit cards.  In its announcement, the CFPB notes that the federal rules that protect consumers which apply to debit cards that access accounts do not apply to prepaid cards.  The CFPB is seeking comments about the costs, benefits and risks of these types of cards so it can determine if Regulation E should be amended.  Read the CFPB public announcement and access the ANPR.

 

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