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With April being Financial Literacy Month, it is a great time to step back and reflect on the role financial institutions play in supporting their communities. Whether a bank or credit union, we have a responsibility to empower customers and community members with the knowledge and skills needed to manage their finances effectively. Through educational tools, promoting savings and offering tailored financial products, financial institutions can help improve credit scores, reduce financial risk and foster

On March 5, 2026, the Homebuyers Privacy Protection Act (HPPA) takes effect, introducing one of the most significant privacy-related changes to the mortgage ecosystem in recent years. For consumers, the promise is straightforward: fewer unsolicited calls and greater protection of sensitive financial information. For financial institutions, however, HPPA represents something far more consequential: A new layer of regulatory and supervisory exposure Fundamental changes to longstanding lead generation and marketing practices Potentially significant adjustments to vendor

Yesterday, the Consumer Financial Protection Bureau (CFPB) published in the Federal Register a proposed rule that would revise certain provisions of Regulation B, subpart B, implementing changes to the Equal Credit Opportunity Act made by section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. The CFPB is proposing to: Raise the origination threshold for covered financial institutions from the current 100 small‑business credit applications (over two preceding years) to 1,000 such applications.

The Government shutdown has a far-reaching effect, one of those being the National Flood Insurance Program (NFIP) has been allowed to lapse. What does that mean to your financial institution? Your institution’s ability to close loans requiring Flood Insurance will be impacted. The authority to provide new flood insurance contracts expired. Flood insurance contracts entered into before the expiration will only continue until the end of their policy term of one year. The authority for

  Regulatory change never seems to slows down. Just as we adjust to one wave of requirements, others arrive—often more complex, more data-driven, and with risks to your Financial Institution (FI). The GENIUS Act (Governance, Enhanced Oversight, and Integrity for Uniform Standards Act) is the latest piece of legislation to reshape compliance expectations across the our industry. For compliance officers, this isn’t just another item on the to-do list—it’s a shift in how FIs are