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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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Alexander: Is Tyronn Lue fiasco another example of too many Laker agendas?

first_imgWhat would Jerry Buss have done in this sort of situation?Maybe the difference was that the patriarch always empowered a strong basketball man, be it Bill Sharman, Jerry West or Mitch Kupchak, with the understanding that he’d use his veto if necessary but preferred not to. Yes, there were likely some fierce debates in the boardroom, but in the end, there was a definite plan in place, and a strong leader to implement it.The current situation won’t change until his daughter brings in someone with similar gravitas and creativity to drown out the competing voices and swap out all of those agendas for one Lakers Way. (And before you ask, I’m not sure Phil Jackson would be the right guy.)“It’s ‘the gift,’ ” Kupchak said, the day he succeeded West in 2000. “When there’s a minute left on the clock on draft day, and there’s three guys that everybody likes and somebody has to yell into the microphone, ‘The Lakers take so-and-so,’ … when somebody had to step forward, that was Jerry West.”Today? There would be three or four people grabbing for the [email protected]@Jim_Alexander on Twitter Honestly, at this point, I’m not sure what to think, who to believe or in which direction the organizational chart goes (although my guess is sideways). In an organization that seems desperately in need of one voice, one strong individual to steer it in the right direction, there is instead a cacophony of multiple voices and multiple agendas.Related Articles Nothing surprises me anymore with this bunch, and maybe something this wacky should have been anticipated. Kidd has a pretty wide reputation in the NBA as a backstabber, and General Manager/front office survivor Rob Pelinka is developing a similar reputation. (See: Earvin Johnson’s comments the night he walked away from the Lakers.)Kidd and Pelinka in the same organization might be more intriguing than the on-court product was for most of the second half of last season. Or maybe they’d be simpatico because each understands how the other operates.But there is also this: Nick Wright, an FS1 and Sirius XM talk show host, tweeted that a source told him: “The Buss family & Rob Pelinka signed off on hiring Ty Lue last week. Kurt & Linda Rambis were the only parties opposed, and convinced the Lakers to hold off, which (led) to today.” AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREUCLA alum Kenny Clark signs four-year contract extension with PackersOf course, most mom and pop businesses at least have a plan, and a defined hierarchy, and a fairly detailed idea of who does what. If the Lakers’ current leadership includes any of those … well, we’re still waiting for confirmation on that.The latest lunacy came Wednesday afternoon, when the news broke that Tyronn Lue was walking away from negotiations to be the Lakers coach. He’d been considered the frontrunner from the outset, and an even heavier favorite after Monty Williams cast his lot last weekend with the equally dysfunctional Phoenix Suns. While the process was taking longer than expected, he was about as good a fit as the Lakers could expect, especially because of his pre-existing relationship with LeBron.Was it the money? The three-year, $18 million offer Lue reportedly turned down was absolutely a lowball figure, but dollars and years are negotiable.But ESPN’s Adrian Wojnarowski, who has a pretty good track record of being right, reported that the Lakers wanted Lue to include Jason Kidd on his coaching staff because Kidd had made a positive impression while interviewing for the head coaching job.Seriously? This negotiation broke down over Jason Kidd? Trail Blazers beat Grizzlies in play-in, earn first-round series with the Lakers Lakers practice early hoping to answer all questions I think I’ve finally figured out how all of this is going to go.One by one, coaching candidates will weigh (a) the opportunity to coach LeBron James against (b) the “who on earth is in charge here” hijinks of the Lakers’ front office. And, one by one, they will say thanks for the consideration and will pass on the opportunity.And by the time August rolls around, Kurt Rambis will be the last man standing. Hey, he’s coached before – coached the Lakers before, in fact – and his wife, Linda, is the owner’s closest confidant.That pretty much seems to be how the Lakers of Jeanie Buss run their business these days, with an acumen that makes the corner grocery, the stereotypical mom and pop business, look impeccably organized. Lakers, Clippers schedules set for first round of NBA playoffs Newsroom GuidelinesNews TipsContact UsReport an Error How athletes protesting the national anthem has evolved over 17 years Trail Blazers, Grizzlies advance to NBA play-in game; Suns, Spurs see playoff dreams dashed last_img read more

Continue Reading Alexander: Is Tyronn Lue fiasco another example of too many Laker agendas?