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Is your credit union aware of the recent HMDA announcements?

first_imgHMDA compliance has been looming over credit unions for many years. It was actually enacted by Congress in 1975 but wasn’t transferred to the Consumer Financial Protection Bureau until 2011. The financial industry has been revamping their loan processes in order to ensure compliance with recent and more rigorous adjustments to the regulation, but what exactly does that entail? Here is the download on recent HMDA announcements and how your credit union can remain compliant.First things first, what is the HMDA (Home Mortgage Disclosure Act)? The HMDA rule was set forth back in 1975 and implemented by the Federal Reserve Board’s Regulation C, thus requiring financial institutions to collect, report and disclose data about their mortgage lending activity.Most recently, a final rule declared that borrower privacy interests arise if the disclosure of unmodified HMDA loan-level data either ”substantially facilitate the identification of an applicant or borrower, or disclose information about an applicant or borrower that is not otherwise public and that may be harmful or sensitive.” Regulation C currently mandates that credit unions make available a written notice advising that the credit union’s loan and application register might be obtained from the Bureau’s website and modified by the Bureau to address privacy concerns. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »last_img read more

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World Cup qualifiers: Yaya Toure snubs national team callup again

first_imgAfrican footballer of the Year Yaya Toure has again turned down a call-up from his country and will miss the start of the Ivory Coast’s World Cup qualifying campaign.The 32-year-old midfielder has not played for his country since they won the African Nations Cup in February, telling the Ivorian federation he wanted time to reflect on adding to a century of international caps.”For the moment, Yaya has not expressed a desire to rejoin the squad,” said Ivory Coast coach Michel Dussuyer on the country’s football federation website ahead of the two-legged tie against Liberia.Suggestions that he may be ready to retire from international football to focus on his club Manchester City are rife in his homeland, but the midfielder has not commented.Toure appeared to suffer from the physical exertions of competing for his country last season after the Ivory Coast won the Nations Cup in Equatorial Guinea.He returned to Manchester City and suffered a marked dip in form. Striker Wilfried Bony returns to the 24-man squad after missing last month’s win over Morocco in a friendly in Agadir.Ivory Coast play in Liberia on November 13 and host them four days later with a place in the group phase of Africa’s qualifiers for the 2018 finals in Russia at stake.SQUADGoalkeepers: Sylvain Gbohouo (TP Mazembe/COD), Mandé Sayouba (Stabaek/NOR), Ali Badra Sangaré (ASEC Mimosas/CIV)Defenders: Serge Aurier (Paris SG/FRA), Mamadou Bagayoko (KV St Trond/BEL), Eric Bailly (Villareal/ESP),Simon Déli (Slavia Prague/CZE), Constant Djakpa (Eintracht Francfurt/GER), Lamine Kone (Lorient/FRA), Ousmane Viera (Rizespor/TUR), Arthur Boka (Malaga/ESP) Midfielders: Victorien Angban (St Tronden/BEL), Jean Daniel Akpa Akpro (Toulouse FC/FRA), Ismaël Diomandé (St Etienne/FRA), Assane Gnoukouri (Inter Milan/ITA), Geoffrey Serey Die (Stuttgart/GER), Jean Michaël Séri (Nice/FRA),Serge Yao N’Guessan (AFAD Djékanou)Strikers: Gervinho (Roma/ITA), Roger Assalé(TP Mazembe/COD), Seydou Doumbia (CSKA Moscow/RUS), Cyriac Gohi Bi (KV Ostende/BEL), Salomon Kalou (Hertha Berlin/GER), Giovanni Sio (Rennes/FRA), Thomas Toure (Bordeaux/FRA), Wilfried Bony (Manchester City/ENG)–Follow Joy Sports on Twitter: @Joy997FM. Our hashtag is #JoySportslast_img read more

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