Rules & Regulations

Insight into government rules & regulations and what requirements need to be met.

4 things to do before dialing your customers...

Posted on Oct 27 2016 by
Call if you need to, but protect yourself from TCPA...

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CFPB’s latest debt collection proposal...

Posted on Sep 08 2016 by
This summer, the Consumer Financial Protection Bureau (CFPB) took a...

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Self-regulatory program for nonbank small-business lenders...

Posted on Nov 12 2015 by
The Responsible Business Lending Coalition, a group of nonbank small-business...

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The power of data quality...

Posted on Sep 08 2014 by
Data quality continues to be a challenge for many organizations as they look to improve efficiency and customer interaction. On average, U.S. companies believe that 25 percent of their data is inaccurate. In order to improve...

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Study explores how frequently lenders validate credit scores...

Posted on May 09 2014 by
As part of its guidance, the Office of the Comptroller of the Currency recommends that lenders perform regular validations of their credit score models in order to assess model performance. The guidelines apply to both custom...

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Heartbleed: Is your organization prepared?...

Posted on May 01 2014 by
The security world was taken by surprise earlier this month when researchers discovered Heartbleed, a new large-scale threat that exploits a security vulnerability in OpenSSL. Hackers potentially could access the servers of more...

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Bankcard utilization rates declining, but still high for sub...

Posted on Oct 25 2012 by
Not surprisingly, bankcard utilization is the highest among subprime consumers with VantageScore D and F tiers having average bankcard utilization rates of 68% and 81% respectively. In comparison, VantageScore A tier (super...

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Impact of Basel III on capital requirements...

Posted on Jul 06 2012 by
The cumulative effect of Basel III is expected to have a substantial impact on capital requirements. The total minimum regulatory capital will increase from 8 percent to 10.5 percent. For institutions that are considered...

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Are you in compliance with the new consumer protection laws?...

Posted on Mar 30 2012 by
The Consumer Financial Protection Bureau (CFPB) now has the ability to write and enforce 18 consumer protection laws that guide financial products and services. The new regulator has signaled the following issues as...

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