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HMDA, hmmm? Reporting data points as “not applicable”

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Like many of you, I have been busy, busy, busy attending NAFCU’s Virtual Regulatory Compliance School. The virtual experience was new for me (and I bet most of you), but the conference was a great success. I learned so many new things, but studying to be an NCCO is no easy task. However, after many long evenings of studying, I get to update my signature line to: Janice Ringler, NCCO!Congratulations and welcome to all the new NCCOs!On July 28, 2020, CFPB released its fourth update to its HMDA FAQs, updating question #7 in the Ethnicity, Race, and Sex section, and questions #1 and #2 in the Multiple Data Points section. The FAQ’s attempt to clarify when combined loan-to-value (CLTV), debt-to-income ratio (DTI), income, and property value needs to be reported on the LAR.  The FAQs state that all of these fields must be reported “if they were a factor relied on in making a credit decision—even if the data was not the dispositive factor.” The FAQs set a “relied on” standard to determine when the credit union must report the data for income, credit score, DTI, CLTV, and property value. However, Regulation C allows credit unions to report these data points, along with credit score and credit score model, as “not applicable.” A frequent question we get from credit unions is:If these data points must be reported if they are “relied on in making a credit decision”, in what instances would these fields be reported as “not applicable?” I have explored some possible scenarios below. continue reading »last_img read more

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Sturridge could face Everton

first_imgLiverpool manager Brendan Rodgers has not given up hope of Daniel Sturridge playing some part in the Merseyside derby. Press Association The England striker has been sorely missed by the Reds since sustaining a thigh injury on international duty earlier this month but is inching ever closer to a comeback. In his absence Rodgers’ side have lost to Aston Villa and West Ham, snuck a last-gasp win over Ludogorets in the Champions League and required penalties to see off Middlesbrough in the Capital One Cup. The 19-year-old forward, whose contract at Anfield runs until 2017, is one of the brightest young talents in the Premier League and has had an impressive start to the season but his manager is not losing sleep over the reported interest. “It shows that he’s playing exceptionally well,” said Rodgers. “I think you could probably link Raheem with every club in the world at the moment. He’s a fantastic young talent. “I’ve nothing really to add to it. There’s obviously lots of speculation every day about players coming and going here at Liverpool. “He’s a wonderful boy who’s developing very, very well here. I think him and his representatives and the people close to him know how comfortable he is here and I’m sure at some point in the future, whatever contract we’re looking to work with will be sorted, but he’s still got three years left and there’s no rush from my perspective.” They would dearly love to unleash the 25-year-old against their neighbours at Anfield but although Rodgers was upbeat about his recovery, an appearance this weekend appears to be based on hope as much as expectation. “We’ll be very happy to have him back and we hope that can be this weekend,” said the Northern Irishman. “We’ve got a number of injuries that we’re going to give every chance to. “He (Sturridge) is a player who’s out on the field working. Him and a number of others we’ll just assess nearer the time. But if he doesn’t make it he won’t be far off after that. “He’s someone that responds well to treatment. Obviously it’s gone well but there are still a couple of days to go before the game. The most important thing is he’s near to fitness. “He certainly won’t be match-fit, he hasn’t played for a few weeks, but it’ll be great to have him back because he’s a wonderful player for us. “He’s a great reference for our team at the top of the field, his pace and movement and quality, which we saw the last time he played against Tottenham.” Another of Rodgers’ talented young England stars, Raheem Sterling, has been linked this week with Spanish giants Real Madrid. last_img read more

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After struggling in first 2 games, Brewers bullpen shuts down Dodgers in Game 3

first_imgOn Saturday in Milwaukee, there were questions about whether the Brewers might have overplayed their hand with their vaunted bullpen. In Game 1 on Friday, they had pulled starter Gio Gonzalez after just two innings, giving the Dodgers looks at six of their relievers. They’d also used relief ace Josh Hader for three innings. They held on to that victory, winning 6-5 after leading 6-1. The next day, with Hader unavailable, the Brewers blew a 3-0 lead.Jeremy Jeffress gave up the lead when he allowed Justin Turner to hit a two-run homer.Jeffress, who had been in something of a rough patch even before the Turner homer, again got the ball on Monday, with a four-run lead in the ninth. Although he allowed the Dodgers to load the bases with one out, he struck out Yasmani Grandal and Brian Dozier to end it.“He’s been in plenty of situations like that,” reliever Corey Knebel said. “Bases loaded, one out. He’s done it before. Everyone knew he could do it. He dominated. He was lights out there.”Jeffress said he never lacked confidence, and clearly, his teammates didn’t lose confidence in him. Fire danger is on Dave Roberts’ mind as Dodgers head to San Francisco LOS ANGELES — That was the Milwaukee Brewers bullpen that you’ve heard so much about.After they nearly blew the first game and did blow the second, the Brewers’ relievers sliced through the Dodgers with relative ease – besides one temporary hiccup in the ninth – on their way to closing a 4-0 victory in Game 3 of the National League Championship Series.Not only did the Brewers blank the Dodgers over the final 11 outs of the game, but they did so in such an efficient manner that all of their relievers will be available again in Game 4 on Tuesday.“That was really good for us, after what happened the last day in Milwaukee,” right-hander Joakim Soria said. “Every guy tells me every day I’m an All-Star,” Jeffress said. “They say I’m a great pitcher. Don’t let anything get in your way. Forget all the negativity and just continue to pitch the way you can pitch.”While Jeffress finished the game, perhaps the most significant piece of the relief puzzle was put into place when Hader pitched in the eighth inning.The Brewers have used him judiciously this season. He had a major league-leading 33 appearances of at least four outs. As a result, he pitched in back-to-back games only six times this season, and he’d never pitched three times in a row.With games on three straight days at Dodger Stadium, the Brewers could have been without Hader for one of the games. Winning a game without using him would have been a boon to their chances of winning the series.Related Articles Dodgers hit seven home runs, sweep Colorado Rockies How Dodgers pitcher Ross Stripling topped the baseball podcast empire center_img They had a shot at that, with a four-run lead in the eighth, but Manager Craig Counsell still opted to use him with lefties Joc Pederson and Max Muncy due.“At some point, the other team is pretty good and you respect their hitters on their team,” Counsell said. “And I thought getting Pederson and Muncy out of the game for pinch-hitters with Josh was a good way to get outs.”Hader struck out pinch-hitters David Freese and Matt Kemp, and he did so on just eight pitches, which means he can go again on Tuesday. Even Knebel, who recorded five outs, needed just 19 pitches. No one threw more than Jeffress’ 21.With Gonzalez starting and likely to go only a few innings, the Brewers will have the entire bullpen ready behind him.“We feel like we’re in really good shape,” Counsell said. “We’re not just trying to win games here. We’re trying to win the series. We’ve put ourselves in games 4 and 5 with tonight’s effort.” Cody Bellinger homer gives Dodgers their first walkoff win of season Dodgers’ Max Muncy trying to work his way out of slow start Newsroom GuidelinesNews TipsContact UsReport an Errorlast_img read more

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Bowlers of Sloboda are the champions of BiH

first_imgBowlers of the bowling club ‘Sloboda’ have won the title of the champion of BiH with 47 points which they achieved in 22 rounds of BiH Bowling League, which was one point more than the second ranked Knin Revita, reports sportsport.ba.They also won BiH Bowling Cup and the bowling in Tuzla started after the WW I, but the official club was formed in 1951 when the bowling club was built in Kreka.The first name of the club was ‘Proleter’, but in 1956 they changed the name to ‘Sloboda’.last_img read more

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