www.marktreichel.com

**Special Edition: CFPB Student Lending Supervisory Highlights**

**Host:** Larry Ledger
**Sponsored by:** Credit Union Exam Solutions

## Episode Overview
Analysis of CFPB's 36th edition of Supervisory Highlights focusing on student lending practices and implications for credit unions.

## Key Topics Covered:
* Student lending market size ($1.77 trillion in outstanding balances)
* CFPB's findings on deceptive refinancing practices
* Issues with unemployment protection benefits
* Problematic collection tactics
* Electronic funds transfer violations
* Federal student loan repayment challenges

## Key Takeaways for Credit Unions:
1. Review student loan refinancing program disclosures
2. Ensure sustainability of advertised benefits
3. Evaluate collection practices
4. Verify electronic funds transfer processes
5. Document policies and procedures thoroughly
6. Monitor application processing times
7. Use compliance as competitive advantage

## Resources Mentioned:
* CFPB Supervisory Highlights (36th Edition)
* Credit Union Exam Solutions services
* Mark Treichel's expertise as "The NCUA Interpreter"

## Connect With Us:
* Website: marktreichel.com
* LinkedIn: Mark Treichel (The NCUA Interpreter)
* Sponsor: Credit Union Exam Solutions

## Episode Quotes:
"In today's regulatory environment, it's not enough to just follow the rules - you need to demonstrate a commitment to fair lending practices and member service."

## Next Steps:
Contact Credit Union Exam Solutions to ensure your credit union's compliance with CFPB and NCUA regulations while saving time and money on examinations.

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*Credit Unions This Week is sponsored by Credit Union Exam Solutions, helping credit unions navigate NCUA examinations efficiently and effectively.*

www.marktreichel.com

https://www.linkedin.com/in/mark-treichel/

Overdraft Fee Developments and Impact on Credit Unions**

**Host:** Larry Ledger
**Sponsored by:** Credit Union Exam Solutions
**Original Source:** Based on reporting by Polo Rocha, American Banker (December 2024)

## Episode Overview
Analysis of the latest developments in overdraft fee regulations and their impact on credit unions, including CFPB's proposed rule and industry responses.

## Key Segments Covered:
* CFPB's Proposed Overdraft Rule Overview
* Industry-Wide Revenue Changes
* Financial Institution Earnings Impact
* Rule Exemptions and Scope
* NCUA's Regulatory Scrutiny
* Demographic Impact of Overdraft Fees

## Key Statistics:
* Banking sector overdraft revenue drop: $11.7B (2019) to $6B (2023)
* 443 credit unions generated $916M in overdraft-related revenues (Q1)
* 3% of credit union revenues from overdraft-related fees

## Notable Quote:
Jim Nussle, America's Credit Unions CEO, on consumers needing access to services that "allow them to make ends meet without having to choose between buying groceries or paying a utility bill."

## Key Takeaways for Credit Unions:
1. Stay informed about regulatory changes
2. Review current overdraft practices
3. Consider impact on vulnerable members
4. Monitor legal challenges
5. Evaluate alternative member solutions

## Resources Mentioned:
* CFPB Proposed Overdraft Rule
* NCUA Guidance on Overdraft Practices
* Financial Health Network Research
* KBRA Financial Intelligence Data

## Connect With Us:
* Website: marktreichel.com
* LinkedIn: Mark Treichel (The NCUA Interpreter)
* Sponsor: Credit Union Exam Solutions

## Next Steps:
Contact Credit Union Exam Solutions for guidance on navigating regulatory changes and ensuring compliance with NCUA requirements.

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*Credit Unions This Week is sponsored by Credit Union Exam Solutions, helping credit unions navigate NCUA examinations efficiently and effectively.*