Asset Securitization Perspectives

Part II of “Until I’m Done”

12/10/2014. So now you are asking, what does the comment letter have to do with bond ratings? I’m glad you asked.


Asset Securitization Perspectives

Part I of “Until I’m Done”

12/03/2014. Part one in a series of articles, discussing securitization in general and some aspects of it that are pertinent to credit unions.


The Mounting Regulatory Burden For Credit Unions

How CUSOs are getting creative to provide sources of income

08/20/2014. The mounting regulatory burden that credit unions are facing under the rules of the National Credit Union Administration (NCUA), the Consumer Financial Protection Bureau (CFPB) and the Dodd Frank Act are stifling their growth and their ability to serve members.


The Prior Prime Member

When written off debt goes from loss to opportunity

07/24/2014. Despite the economic improvements over the last couple of years, there are people who are still suffering from the backlash of the recession. Due to financial hardships some people may have turned to alternative solutions to keep their head above water and ended up backing themselves in a corner. The question is, who are these people and can we count them as a loss or an opportunity?



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I want to take this opportunity to comment on the extroadinary assistance I received from a Special Asset Officer - David Moreno. While I was desperately trying to settle all my financial matters through a reverse mortgage on my home, he assisted me, putting me in contact with a very competent organization here in Hawaii. Instead of my floundering around on the internet - hit and miss, he provided me with exactly what I needed. Which included a specific name and a phone number. It was not vague, but exact. He continued to follow up with me to make sure I was getting through to the Mortgage company. Unlike many credit counselors I have dealt with over the past year, he was never condescending or rude. He was professional, informative and helpful. I truly appreciate all his efforts and thought you should know that your Special Asset Officer is indeed and "asset".

Bela R Hawaii