eTrain Anytime Archives
(Please click on program title for details and registration link.)
June 08
eTrain: Five Critical Things Your Member Survey Isn't Telling You
June 09
eTrain: Regulation V: Fair Credit Reporting Act
June 15
eTrain: Dissecting Which Loan Participation is Best for your CU
June 22
eTrain: Collections for Credit Unions
June 29
eTrain: Calling the Right Play: Challenges for Credit Union Directors & CEOs
June 30
eTrain: Loan Participation Due Diligence: Risk, Reward, and Regulations
July 13
eTrain: Best Practices for Financial Institutions on Social Media
July 19
eTrain: Understanding the National Credit Union Share Insurance Fund (NCUSIF)
July 26
eTrain: Managing Technology in the Workplace
July 28
eTrain: Managing Liquidity, Capital Profiles, & Other Critical Issues
August 02
eTrain: Tips for Terrific Talking, Part 1: Talking Terrors
August 03
eTrain: Regulation CC: Check Holds
August 04
eTrain: Member Conflict: Opportunity Knocks!
August 09
eTrain: Tips for Terrific Talking, Part 2: The GET REAL Guide to Powerful Presentations
August 10
eTrain: Staying Relevant in the Lending Marketplace
August 23
eTrain: Bank Secrecy Act (BSA) for Lenders
August 24
eTrain: Bank Secrecy Act ( BSA) for Frontline Staff
August 25
eTrain: Bank Secrecy Act (BSA) for BSA Officers
August 31
eTrain: Malware Mules & Money
September 07
eTrain: Basics of Automated Clearinghouse (ACH) Transactions
September 08
eTrain: Managing Across the Generations
September 15
eTrain: Lending to Service Members
September 20
eTrain: ACH Exceptions, Government Payments, & Deceased Account Holders
September 21
eTrain: Automated Clearinghouse (ACH) Risks for Business
September 29
eTrain: Converting Members from Savers to Borrowers
October 05
eTrain: Communication Skills to Decrease Stress
October 06
eTrain: CU Online Compliance: Balancing Web Site Security, Member Protection, & Regulatory Correctness
October 12
eTrain: How & Why to Audit Your CUSO
October 19
eTrain: Skip Tracing
October 25
eTrain: A Frontline Perspective: Protecting Your Credit Union from Losses
November 17
eTrain: Optimizing Channels for Superior Member Experience
November 22
eTrain: Preparing Your Credit Union's 5300 Call Report
November 29
eTrain: Identity Theft Red Flags
December 06
eTrain: Compliance Rules for Your Frontline Team
December 08
eTrain: Leadership vs. Management: What It Takes to Be Successful in Today's Economy

eTrain: Fair Credit Reporting Act (FCRA) & Fair Debt Collections Practices Act


Fair Credit Reporting Act

Changes abound with the credit union's responsibilities to fairly and accurately report information on borrowers to a Consumer Reporting Agency. By July 1, the credit union must have policies and procedures in place for reporting correctly, testing its reporting and handling member complaints/inquiries regarding the information it has reported.

In addition, you will need to begin to gear up for offering a risk-based pricing or credit score notice to consumer loan applicants. They also have made a slight enhancement to the mortgage credit score notification. These changes are effective January 1.

We'll cover not only these two important changes, but also the basics of what the Fair Credit Reporting Act requires of credit unions as users of reports for credit, non-credit and employment purposes; and furnishers of information to consumer reporting agencies.  You won't want to miss it!

Fair Debt Collection Practices Act

Credit unions are not subject to the federal FDCPA when collecting on their own behalf, but did you know that California along with many other states have similar acts that will apply?

This webinar is designed to ferret out the do's from the don'ts of collection efforts. With collection accounts soaring, it has never been more important to be sure that everyone involved in the process is aware of the rules.

You’ll get the answers to these and other questions:
  • Do I have to send a written confirmation of the consumer's debt?
  • Why does the member insist I stop calling him at work?
  • If the member's attorney is not returning my calls, can I call the member?
  • My member works during the appropriate call hours, what am I supposed to do?

Who Should Attend?
Credit union staff that need to understand or comply with the rules for collections practices, especially in these positions:

  • Collections
  • Lending
  • Compliance

Meet the presenter, Mary-Lou Heighes:
As President of Compliance Plus, Inc., Mary-Lou Heighes provides compliance, training and consulting services to credit unions. She is a CUNA-certified Credit Union Compliance Expert, and a frequent instructor at CUNA conferences such as Regulatory Compliance School. Mary-Lou writes articles for Credit Union Magazine, CU Executive and CU Exec Online and is the author of Understanding Regulations, part of CUNA’s Volunteer Achievement Program series. 

Prior to starting Compliance Plus, Mary-Lou worked for seven years in the California Credit Union League's Research and Information Department where she answered credit union compliance and operational questions on the Research and Information Hotline.  She also wrote the TIPs bulletins about the statutory and regulatory changes that affect credit unions.

Investment per Internet/phone connection (live or recorded):
$169   League member CU
$299   Regular CU

Save $50! Order the live webinar and its archived recorded version at the same time!
$288     League member CU
$548     Regular CU

If you have additional questions, please call Education and Training   800.472.1702, option 2 registrations@ccul.org