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Are you taking advantage of Reg Z’s safe harbor credit card penalty fees?

first_img 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Cathy Klimek Cathy is a consumer lending and insurance compliance and regulatory attorney with 20+ years of experience working with credit unions and other types of financial institutions. She concentrates her practice … Web: https://www.securian.com/products-services/financial-institutions.html Details It’s the start of a new year, which means the CFPB’s latest safe harbor credit card penalty fee amounts under Regulation Z, section 1026.52(b), became effective January 1, 2020. This section of Regulation Z provides “safe harbor” figures you may charge cardholders who:Make late paymentsGo over their credit limitHave a returned paymentThe recent changes include:The $28-dollar amount for the initial violation has been increased to $29The $39-dollar amount for subsequent violations has been increased to $40If you are a federal credit union, you are free to charge these fees. If you are a state-chartered credit union, you may be required to charge lesser amounts; it will depend on your state’s penalty fee laws.There are many factors that go into determining the amount of fees you charge members. Are you looking to increase your non-interest income? Better offset the costs of administering your credit card programs? Take a closer look at whether you can use the Reg Z safe harbor fees. They may part of a compliant solution. Of course, you can charge amounts less than the safe harbor maximums and still fall under the safe harbor.To take advantage of safe harbor fees right away, reach out to your lending document vendor for a consultative session today. By customizing your credit card disclosures and agreements, you can offset administration costs and guarantee compliance with Regulation Z.Read the full CFPB announcement here.last_img read more

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Dozens monitored for Ebola in Mali

first_img 183 Views   no discussions Share Sharing is caring! Share Sharecenter_img HealthInternationalLifestylePrint Dozens monitored for Ebola in Mali by: – October 24, 2014 Health workers have been checking people coming into Mali from GuineaDozens of people are being monitored in Mali after the country confirmed its first case of Ebola.The patient is a two-year-old girl who recently arrived from Guinea, which along with Liberia and Sierra Leone has seen most of the 4,800 deaths.The World Health Organization (WHO) said it was sending more experts to Mali to help contain the outbreak.It has also announced that hundreds of thousands of vaccine doses should be available in the first half of 2015.WHO Assistant Director Dr Marie-Paule Kieny told a news conference in Geneva that pharmaceutical companies were “committed to ramping up production”.Separately, a New York doctor who recently returned from Guinea has tested positive for the disease.WHO reinforcementsWith the latest case, Mali becomes the sixth West African country to be affected by the outbreak, although Senegal and Nigeria have since been declared virus-free by the WHO.Malian authorities have now quarantined and are monitoring 43 people who have been in contact with the infected girl. They include 10 health workers.The girl is being treated in the western town of Kayes. A statement from Mali’s health ministry said her condition was improving considerably, thanks to good treatment.She was brought to a local hospital on Wednesday and her blood sample was Ebola-positive, Malian Health Minister Ousmane Kone said.People are afraid in Mali’s capital, Bamako, but life is carrying on as normal. A few people have stopped shaking hands but physically greeting people is an important part of life in Mali and for most this has not changed.Some hotels have placed bottles of anti-bacterial gels at their entrances but for ordinary Malians, gel remains too expensive. The government has been running public information broadcasts telling people to wash their hands with soap. But though soap is not expensive, most still wash their hands with water alone.Many Malians have friends and family in Guinea and several buses and taxis travel between the two countries each day.With the support of the WHO, Mali’s health system has been preparing for an outbreak of Ebola for several months. But there is a culture here of visiting people when they are sick to wish them a speedy recovery.This will have to change if Ebola becomes more widespread.The WHO has three experts in Mali evaluating its ability to cope with Ebola and will send at least four more over the next few days, spokeswoman Fadela Chaib said.The girl’s mother died in Guinea a few weeks ago and the child was then brought by relatives to Mali.With porous borders, countries neighbouring Guinea, Sierra Leone and Liberia are on high alert for possible imported cases of the virus, says BBC Africa health correspondent Anne Soy.Mayor’s assuranceIn New York, Dr Craig Spencer, who treated Ebola patients while working for the charity Medecins Sans Frontieres (MSF), came down with a fever on Thursday, days after his return, officials say.He is the first Ebola case diagnosed in New York, and the fourth in the US.Dr Spencer, 33, left Guinea on 14 October, and returned to New York City on 17 October via Europe. On Tuesday he began to feel tired and developed a fever and diarrhoea on Thursday.He immediately contacted medical services and was taken to the city’s Bellevue Hospital.Mayor Bill de Blasio said there was “no reason for New Yorkers to be alarmed”.“Ebola is an extremely hard disease to contract. New Yorkers who have not been exposed to an infected person’s bodily fluids are not at risk,” he said.Ebola patients are only infectious if they have symptoms, and the disease is only transmittable through bodily fluids, experts say.BBC News Tweetlast_img read more

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Call for unity at opening of Summit of the Americas

first_img Share Sharing is caring! NewsRegional Call for unity at opening of Summit of the Americas by: – April 16, 2012 José Miguel Insulza, OAS Secretary General, at the inauguration of the Sixth Summit of the Americas. OAS photoCARTEGENA, Colombia — The secretary general of the Organization of American States (OAS), José Miguel Insulza, called for the unity of the countries of the hemisphere at the inauguration of the Sixth Summit of the Americas, saying “a united Americas is an achievable reality” to achieve common objectives, overcome obstacles on the road to progress and prosperity, and to reach the solutions that the countries demand to the most urgent problems.” He added that “democracy is advancing in the Americas and the best way to strengthen it is not through external pressure, imposition, or exclusion, but in dialogue, cooperation and tolerance.”The hemispheric meeting in Cartagena de Indias was officially inaugurated by the president of Colombia, Juan Manuel Santos, who called on the leaders present to “build bridges” in key areas of regional policy such as the recovery of Haiti and the inclusion of Cuba. “It would be just as unthinkable to hold another hemispheric meeting with a prostrate Haiti, as it would be with Cuba absent,” he said. In that context, he added “isolation, embargo and indifference have shown their ineffectiveness. It’s an anachronism that keeps us anchored to a Cold War era that’s been overcome for decades now.”In his speech before the heads of state and government of the hemisphere, Insulza declared that “in a framework of tolerance and dialogue we should partner together to achieve the prosperity that is today within our reach.” He later warned that the Americas “are now nearing a billion inhabitants” and said they “expect from their leaders, meeting today in Cartagena, a clear message of unity, to maximize our competitiveness and our interchanges, defeat poverty, discrimination and inequality, protect the human rights of all our citizens, defend their security and make possible the free and democratic society they demand.” The chief representative of the hemispheric organization stressed that “democracy is advancing in the Americas and the best way to strengthen it is not through external pressure, imposition, or exclusion, but in dialogue, cooperation and tolerance.” He pointed to the dilemma that, on one hand, the Charter of the OAS that proclaims the inclusion in the system of all the countries of the Americas, and on the other, the Inter-American Democratic Charter establishes the common commitment to democracy. He then stressed the solution to this dilemma “lies in dialogue, cooperation and tolerance.”Insulza expressed his confidence that “a united Americas is a possible reality, with undeniable institutional strengths to achieve common goals.” But he added that “the Americas are also a hemisphere of regions, and therefore hemispheric action will be more realistic if it takes account of regional realities.” In that context, he reiterated that the OAS and the Inter-American System “are not in competition with the regional organizations or the forums which have emerged to express our growing desire for integration; on the contrary they welcome them.”The leader of the OAS praised “the constructive and positive tone” that Santos had given the Summit’s agenda, and highlighted his invitation “not to give in to division or complacency, but to look with objectivity and a constructive sense at the obstacles that still obstruct our progress,” among which he mentioned deficiencies in infrastructure and technological backwardness; racial and gender discrimination; inequities and iniquities; drug trafficking and organized crime; and the effects of global warming. “The basis for our common action is solid,” emphasized Insulza, who cited the many links that united the countries and societies of the hemisphere, like commercial links, migratory flows and shared values.In his speech, the head of the multilateral agency urged the heads of state and government to reach agreements at Cartagena that would serve as a guide to the regional agencies that make up the joint summit working group. “They have all come to receive guidance from you that will allow us to better carry out our work in the next three years,” he said.Santos, for his part, highlighted that “building bridges, everything is possible,” and cited as an example the “excellent” current state of relations between Colombia and Venezuela, that not long ago showed a great distancing. With that example the Colombian leader called on his peers to “build bridges guided by our principles, respect for our differences, cooperation and solidarity.”Further, he assured that conciliation and the search for consensus will also help to face challenges like the problem of violence in Central America – “Central America is not alone,” he said – and the war against drugs. On that point, he asked for “a pause in the road to understand where we are and where we’re going.” “Many countries in the region believe it is necessary to begin an analysis of this problem that, without prejudices or dogmas, contemplates the possible alternatives to deal with the problem,” he added.In conclusion, Santos called on governments to focus their efforts on resolving the problems that most concern their citizens. “This Summit is not only about governments or political interests, it’s about the people, with needs, emergencies, shortages, that demand our effective and coordinated action,” he said. “Only by working together, by changing the paradigms can we build a better world for all. I invite you to build bridges, to be partners for prosperity, for our people. Being more united we will become a better Americas,” he concluded.Alicia Barcena, executive secretary of the Economic Commission for Latin America and the Caribbean (ECLAC) also spoke at the ceremony, joining the call for regional cooperation. “The challenges of today and tomorrow go beyond borders. The progress and well-being of the peoples of the Americas are a shared responsibility,” between all its countries, she said. Barcena said that “the value of hemispheric dialogue in the Americas is recognized by all,” but that it could not be “strengthened and projected toward the future” if it does not include all the countries of the hemisphere.In economic terms, she highlighted that “the region has experienced an historic period of economic boom,” with heightened and sustained growth, at the same time that poverty has been reduced, employment increased and the distribution of income improved. Now, she said, “has come the time of equality. There are gaps to be closed and roads to be opened, but inequality conspires against development and security. Our region can grow more and better.” Caribbean News Now Sharecenter_img 6 Views   no discussions Share Tweetlast_img read more

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