{
  "author": {
    "name": "Marvin Umholtz",
    "webUrl": "/author/profile/marvin-umholtz/",
    "description": "",
    "imageLarge": "https://secure.gravatar.com/avatar/f16d6fc2845f417ea0e93a3f2b6cd37d?s=136&d=mm&r=g",
    "estimate": 9,
    "social": [],
    "articles": [
      {
        "uri": "/2015/07/28/cfpb-threatens-the-credit-union-business-model/",
        "title": "CFPB Threatens the Credit Union Business Model",
        "byline": " Marvin Umholtz ",
        "kicker": "Commentary",
        "prettyDate": "July 28, 2015",
        "timeToRead": "2 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/marvin-umholtz/",
            "name": "Marvin Umholtz"
          }
        ],
        "kickerNode": [
          {
            "uri": "/commentary/",
            "sectionName": "Commentary"
          }
        ],
        "summary": "The agency's potential pursuit of credit unions for UDAAP violations is a legitimate concern.",
        "body": null
      },
      {
        "uri": "/2015/07/07/disparate-impact-a-disservice-to-cus/",
        "title": "Disparate Impact a Disservice to CUs",
        "byline": "Marvin Umholtz",
        "kicker": "",
        "prettyDate": "July 07, 2015",
        "timeToRead": "1 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/marvin-umholtz/",
            "name": "Marvin Umholtz"
          }
        ],
        "kickerNode": [],
        "summary": "Umholtz questions the reasoning behind disparate impact.",
        "body": null
      },
      {
        "uri": "/2015/06/12/treasury-out-to-reform-ncusif/",
        "title": "Treasury Out to Reform NCUSIF",
        "byline": "Marvin Umholtz",
        "kicker": "",
        "prettyDate": "June 12, 2015",
        "timeToRead": "3 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/marvin-umholtz/",
            "name": "Marvin Umholtz"
          }
        ],
        "kickerNode": [],
        "summary": "Consultant Marvin Umholtz responds to Executive Editor Heather Anderson's column on FinCEN and the NCUA.",
        "body": null
      },
      {
        "uri": "/2015/06/11/treasury-out-to-reform-ncusif-2/",
        "title": "Treasury Out to Reform NCUSIF",
        "byline": " Marvin Umholtz ",
        "kicker": "Commentary",
        "prettyDate": "June 11, 2015",
        "timeToRead": "3 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/marvin-umholtz/",
            "name": "Marvin Umholtz"
          }
        ],
        "kickerNode": [
          {
            "uri": "/commentary/",
            "sectionName": "Commentary"
          }
        ],
        "summary": "Consultant Marvin Umholtz responds to Executive Editor Heather Anderson's column on FinCEN and the NCUA.",
        "body": null
      },
      {
        "uri": "/2015/04/03/cfpb-misguided-on-payday-loans/",
        "title": "CFPB Misguided on Payday Loans",
        "byline": "Marvin Umholtz",
        "kicker": "",
        "prettyDate": "April 03, 2015",
        "timeToRead": "2 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/marvin-umholtz/",
            "name": "Marvin Umholtz"
          }
        ],
        "kickerNode": [],
        "summary": "Agency's guidelines will make it impossible for service providers to operate in the payday lending space.",
        "body": null
      },
      {
        "uri": "/2015/02/11/ncuas-costly-burdensome-and-legally-hazardous-dive/",
        "title": "NCUA’s Costly, Burdensome, and Legally Hazardous Diversity Rule",
        "byline": " Marvin Umholtz ",
        "kicker": "Commentary",
        "prettyDate": "February 11, 2015",
        "timeToRead": "5 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/marvin-umholtz/",
            "name": "Marvin Umholtz"
          }
        ],
        "kickerNode": [
          {
            "uri": "/commentary/",
            "sectionName": "Commentary"
          }
        ],
        "summary": "Strategic consultant says the interagency OMWI diversity rule likely violates the important Fourteenth Amendment Equal Protection Clause.",
        "body": null
      },
      {
        "uri": "/2014/01/29/ncua-diversity-standards-a-compliance-nightmare/",
        "title": "NCUA Diversity Standards a Compliance Nightmare",
        "byline": "Marvin Umholtz",
        "kicker": "",
        "prettyDate": "January 29, 2014",
        "timeToRead": "4 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/marvin-umholtz/",
            "name": "Marvin Umholtz"
          }
        ],
        "kickerNode": [],
        "summary": "Consultant responds to recent opinion piece in favor of Dodd-Frank mandated diversity initiatives.",
        "body": null
      },
      {
        "uri": "/2013/06/19/letter-payday-assault-by-ncua-will-not-end-well/",
        "title": "Letter: Payday Assault by NCUA Will Not End Well",
        "byline": "Marvin Umholtz",
        "kicker": "",
        "prettyDate": "June 19, 2013",
        "timeToRead": "3 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/marvin-umholtz/",
            "name": "Marvin Umholtz"
          }
        ],
        "kickerNode": [],
        "summary": "Credit Union Times recent report about a letter sent by NCUA Board Chairman Debbie Matz to the National Consumer Law Center and the Center for Responsible Lending led me to question the agencys priorities. I continue to be puzzled by why the NCUA, and especially Matz, expends so much energy...",
        "body": null
      },
      {
        "uri": "/2013/01/30/letter-many-cu-congressional-allies-are-not-friends/",
        "title": "Letter: Many CU Congressional Allies Are Not Friends",
        "byline": "Marvin Umholtz",
        "kicker": "",
        "prettyDate": "January 30, 2013",
        "timeToRead": "3 minute",
        "image": {
          "uri": "",
          "width": "",
          "height": ""
        },
        "authors": [
          {
            "webUrl": "/author/profile/marvin-umholtz/",
            "name": "Marvin Umholtz"
          }
        ],
        "kickerNode": [],
        "summary": "In a Guest Opinion article in Credit Union Times [Jan. 23 issue, page xx], former CUNA president Dan Mica, now an industry consultant, shared his forecast for the 113th Congress. His prediction that measuring the success of the next two years by what does not occur rather than by what...",
        "body": null
      }
    ]
  }
}