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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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Osimhen to arrive Nigeria today

first_imgRelatedPosts Napoli Coach: Osimhen young lad with old brain Osimhen, Napoli bow to COVID-19 Customs intercepts suspect with 2,886 ATM cards concealed in noodles carton Bereaved Super Eagles’ striker, Victor Osimhen, has jetted out of France to reunite with his family in Nigeria.Osimhen, according to a family source, is expected to arrive the private wing of the Murtala Mohammed International Airport, Lagos by 4pm. The Lille of France star’s father, Patrick, died on Saturday after a brief illness.The deceased is survived by the footballer, who is the last born of a family of seven children.The family has yet to announce burial arrangements for the late septuagenarian who hailed from Uromi in Edo State.Tags: Lille FCMurtala Muhammed International AirportPatrick OsimhenVictor Osimhenlast_img read more

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BUSINESS BOOT CAMP CAN TURN THAT IDEA INTO A REALITY FOR ENTREPRENEURS

first_imgBusiness Boot Camp are seeking young entrepreneurs for the third wave of the highly successful Business Boot Camp Programme.Businesses based in County Donegal will be eligible to participate.The programme also runs in the Council areas of Belfast, North Down, Lisburn, Newtownabbey and Carrickfergus, and participants will have a chance to meet businesses from these areas. The programmes has been described by past participants as hugely beneficial in terms of growing your business and developing and learning business skills and techniques.This cross- border programme is funded through the European Regional Development Fund under the INTERREG IVA Programme.What is the Business Bootcamp Programme?The Business Boot Camp Programme is a results-focused and practical programme which aims to provide practical assistance to young entrepreneurs to consolidate and grow their businesses [despite the current adverse economic conditions.] The Boot Camp Growth Programme is aimed at young entrepreneurs who have been trading for at least 6 months and who are 16 – 35 years old.The programme aims to offer flexible and tailored business support to young owner-managers whose businesses are based in County Donegal and the COMET region.It will help participants to:Adopt Best Practice business ideas.Manage their businesses more effectively. Plan for the future with confidence.Develop the skills and the confidence to achieve business growth.The programme is therefore designed to provide young entrepreneurs with the tools, the confidence and the expertise to really maximise the potential of their businesses.What will the Programme involve? There are 4 distinct but interlinked elements to the Business Boot Camp Growth Programme. These are:How long will the Programme run for?We understand the time pressures that face all owner-managers. The Programme is therefore spread over a 6 month period starting in June 2014.Indicative dates are:Date Times Event Location (TBC)24 June 2014 11am – 1pm Information Event COLAB, Letterkenny25th June 2014 11am-1pm7.30-9.30pm Information EventInformation Event Niall Mor Centre, Killybegs09 July 2014 9.30am – 3pm Workshop 1Gearing up to grow your business Killybegs10 September 2014 9.30am – 2pm Workshop 2 – Understanding the Market place Killybegs*25/26 September OR 2/3 October 2014 9.30am Thursday to 4pm Friday Residential Coleraine*22 October 9.30am – 2.30pm Workshop 3 – Selling Skills Killybegs*NOV TBC 9.30am – 4pm Best Practice Visits to existing successful businesses TBC26 November 2014 9.30am – 2.30pm Workshop 4 – Managing Costs in a small business17 January 2015 9.30am – 2.30pm Workshop 5 – How to keep key Customers Killybegs*11 February 2015 9.30am – 2.30pm Workshop 6 – Marketing on a Shoestring and Using Social Media Killybegs** Provisional locations – These locations can be changed depending on the participants’ preference.How much does it cost to secure a place on Business Bootcamp?The Programme is FREE to you assuming that:1. Your business is based in County Donegal or the COMET region [Belfast City Council, Lisburn, Castlereagh Borough Council, Carrickfergus, Newtownabbey or North Down]2. You have been trading for longer than 6 months.3. You are aged between 16 – 35 at the start of the Programme.Who should apply?YOU should apply if you want to:1. Address constraints to growth within your business.2. Grow / develop your business.3. Out-perform your competitors.4. Learn from experts in the field of SME and micro enterprise development.Interested …?Please contact Patricia Keane at patricia.keane@enterpriseni.com or 074 9724420/0863165820 for an application pack.Completed application forms need to be returned to us by 12:00pm on Monday 30th June 2014.We will assess your application and will be in contact soon afterwards.Please note: If your application is successful, you must be available for the first workshop on Wednesday 9th July 2014.BUSINESS BOOT CAMP CAN TURN THAT IDEA INTO A REALITY FOR ENTREPRENEURS was last modified: June 27th, 2014 by StephenShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:BusinessBusiness Boot CampEntrepreneursFeaturesnewsProgrammelast_img read more

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