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What Can You Do?

By Staff Writer

Dark Shadows was pseudo-scary. Hagel's Bill is truly scary. If you're frightened, do three things now. First: support legislation that strengthens financial oversight of the GSEs. Fiscal responsibility and adequate capital levels make sense. Second, oppose - strenuously - legislation that limits our ability as lenders to provide our members...

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Dark Shadows

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Legislation and Oversight v. Public Policy

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March 29, 2005

Business Services: There's More to Risk Management than Meets the Eye

Business services offer tremendous growth opportunities for our industry. It's obvious that credit unions must manage risks when doing business lending. But there are many other aspects of a business services program that carry risk, and credit unions must be prepared to manage them properly. When we consult with a...

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March 22, 2005

Many Things Work to Limit Growth, But Technology Doesn't Have to Be One of Them

My experiences working with credit unions as a corporate credit union senior manager, as a product manager for online banking applications, and as a consultant to credit unions and banks have led me into conversations that often revolve around how small to midsize financial institutions can continue to compete, even...

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March 15, 2005

Bankers Speak Out: Freedom of Charter Choice - It's the American Way

Self-determination is one of the great assets of the American financial system. Ours is the strongest financial system in the world because financial service providers have the basic freedom to decide what they want to be, and how best to serve their customers and communities. Unlike other countries, we have...

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March 08, 2005

Interagency Guidance On Overdraft Privilege Programs; How Will It Affect Your Credit Union

Discretionary overdraft protection, when done right, provides one of the best member services credit unions can offer as an alternative to the thousands of check cashing outlets on street corners throughout so many underserved neighborhoods. These check cashers have taken the business of millions of our members and built a...

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March 01, 2005

Encouraged by the Latest Try for Bankruptcy Reform, But History has Shown Tough Battles Remain

We at CUNA are encouraged at the alacrity with which bankruptcy reform has come to the forefront. Nearly overnight, the long-sought legislation has been brought up in first the Senate (see related story on page 4), and then the House. We are optimistic that this year may finally be the...

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March 01, 2005

Credit Unions Have Challenges to Overcome to Maintain Premier Position in Financial Services Industry

The good news is that the financial health of credit unions is sound. Over the past four years, assets and net worth ratios have increased; delinquency ratios have decreased; and loan-to-share ratios have slowly recovered. Nothwithstanding these positive indicators, I see some storm clouds on the horizon for credit unions....

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March 01, 2005

Bring Fair Balance to U.S. Bankruptcy Laws

For nearly 10 years, I have led an effort in Washington to tighten the federal bankruptcy laws. Today policymakers are dealing with a number of troubling deficits, from the federal budget to U.S. trade receipts. Unfortunately, we are running a hefty surplus when it comes to personal bankruptcies. Last year...

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Commentary

Top Commentary Stories

What Can You Do?

Dark Shadows

Legislation and Oversight v. Public Policy

Recommended Just For You

Commentary Stories

Business Services: There's More to Risk Management than Meets the Eye

Many Things Work to Limit Growth, But Technology Doesn't Have to Be One of Them

Bankers Speak Out: Freedom of Charter Choice - It's the American Way

Interagency Guidance On Overdraft Privilege Programs; How Will It Affect Your Credit Union

Encouraged by the Latest Try for Bankruptcy Reform, But History has Shown Tough Battles Remain

Credit Unions Have Challenges to Overcome to Maintain Premier Position in Financial Services Industry

Bring Fair Balance to U.S. Bankruptcy Laws