In this episode of 'With Flying Colors,' Mark Treichel discusses significant changes following the Supreme Court's overturning of the Chevron doctrine with Tony Hernandez, CEO of Defense Credit Union Council (DCUC), and Jason Sturrock, DCUC's new Chief Advocacy Officer. They explore the implications of this seismic shift for credit unions, the incr…

Understanding the Supreme Court's Impact on Credit Unions: Chevron and Jarkezy Cases In this episode of the 'With Flying Colors' podcast, Mark Treichel discusses recent Supreme Court decisions, particularly the Chevron and Jarkezy cases, and their potential impacts on credit unions. The Chevron ruling, which overrules the Chevron deference doctrine…

NCUA has the authority to take what is called a conservatorship action, resulting in the credit union board of directors being removed. NCUA then wears 3 hats: insurer, regulator, and credit union operator - representing the interest of the members. These are complicated and rare, but one happened last week, and a few happen every year. Steve, Todd…

NCUA is issuing more Letters of Understanding and downgrading more credit unions to CAMEL code 4s. In this episode, Steve Farrar, Todd Miller, and I discuss everything you need to know about the LUA process. https://www.linkedin.com/in/mark-treichel/By Mark Treichel's Credit Union Exam Solutions

https://ncua.gov/newsroom/press-release/2024/1st-choice-credit-union-conserved https://www.linkedin.com/in/mark-treichel/ www.marktreichel.comBy Mark Treichel's Credit Union Exam Solutions

odcast Show Notes --- **Episode Title:** Understanding Examiner Findings, Supplementary Facts, and Documents of Resolution **Host:** Mark Treichel **Guests:** Steve Farrar and Todd Miller --- **Introduction:** Welcome to another episode of "With Flying Colors." I'm your host, Mark Treichel. Today, we're diving into the intricacies of NCUA examinati…

For the 10th or 11th quarter in a row, NCUA reports that CAMELS code ratings get worse AGAIN. Follow me on Linkedin: https://www.linkedin.com/in/mark-treichel/ https://www.marktreichel.com/By Mark Treichel's Credit Union Exam Solutions

In this episode of With Flying Colors, host Mark Treichel talks with Chris Call, CEO of North Bay Credit Union in California, about the challenges and developments in banking for the cannabis industry. Since California legalized recreational cannabis in 2017, North Bay Credit Union has successfully banked cannabis operators, growing its portfolio a…

Here is a link to NCUA's Briefing on the insurance fund: https://ncua.gov/files/agenda-items/share-insurance-fund-board-briefing-20240522.pdf My Linkedin: https://www.linkedin.com/in/mark-treichel/By Mark Treichel's Credit Union Exam Solutions

Conquering Redlining and Achieving Fair Lending in Credit Unions In this episode of 'With Flying Colors', host Mark Treichel invites Tori Hagerty to discuss the challenges and solutions surrounding redlining in American communities and its impact on fair lending practices. Hagerty, with a background in FDIC examination and the founder of Tuscan Clu…

https://www.linkedin.com/in/michaelmbell/ https://www.honigman.com/ In this episode of With Flying Colors, host Mark Treichel is joined by Mike Bell of Honigman to discuss current trends in credit union acquisitions and strategies for achieving success with the National Credit Union Administration (NCUA). They cover a wide range of topics, includin…

In this episode of 'With Flying Colors', host Mark Treichel discusses upcoming compensation regulation rumors, highlights the importance of governance in credit unions, and introduces listeners to guidance resources. The episode features a comprehensive discussion with Vin Vieten, a commercial lending expert, focusing on the intricacies of rating c…

In this episode of With Flying Colors, host Mark Treichel and guest Mike Macchiarola, from Olden Lane, delve into strategies for passing NCUA exams and optimizing credit union operations. They discuss the roles of Olden Lane in supporting credit unions, trends in subordinated debt and M&A activities, insights from the NCUA's 2023 annual report, and…

Mark Treichel hosts a detailed discussion on the NCUA's new advanced notice of proposed rulemaking on records retention for credit unions, revealing insights from the April 18th board meeting. This episode features insights from Vice Chairman Kyle Hauptman on the proposed regulatory changes aimed at easing the burden on small credit unions regardin…

Navigating Credit Union Challenges and Opportunities with Rick Mumm In this episode of 'With Flying Colors,' host Mark Treichel is joined by Rick Mumm, a seasoned expert in credit union field of membership, who shares his extensive experience of over 30 years with the NCUA. This discussion covers a range of topics including new charters, mergers, b…

Navigating NCUA's Liquidity Landscape: Insights and Strategies In this episode of 'With Flying Colors', hosted by Mark Treichel and featuring Todd Miller, the discussion centers around the NCUA's recent liquidity webinar. Mark and Todd share their insights into the NCUA's perspective on liquidity management, referencing three key source documents: …

Empowering Credit Unions: Insights from Rodney Hood In this episode of With Flying Colors, host Mark Treichel welcomes former NCUA board chairman Rodney Hood to discuss a range of topics relevant to credit unions. Hood shares his gratitude towards individuals and teams that contributed to his successful tenure, highlights the importance of leadersh…

Navigating Merger Madness in the Credit Union World In this episode of With Flying Colors titled 'Merger Madness,' Mark Treichel discusses the complexities surrounding credit union mergers, leveraging his experience and insights into the National Credit Union Administration (NCUA)'s processes and regulations. He sheds light on the reasons behind an…

Maximizing Success with NCUA: 10 Ways to Avoid Document Resolutions In this episode of With Flying Colors, hosted by Mark Treichel and sponsored by Credit Union Exam Solutions, Mark shares valuable insights from his beachside brainstorming session on how to pass NCUA exams with flying colors. He discusses the importance of understanding what a docu…

Understanding the Appeal Process for Credit Unions In this episode of 'With Flying Colors', Mark Treichel offers an insider's guide on how to navigate through the formal appeal process against decisions made by the National Credit Union Administration (NCUA). He touches upon various steps, starting from receiving the exam report, working through th…

Treichel discusses several topics he predicts the NCUA board members will cover in their speeches such as consumer compliance, liquidity, and vendor authority. He also discusses the potential changes in NCUA's approach towards separate consumer compliance exams and scores, highlighting its impacts on credit unions. Furthermore, Treichel shares his …

With Flying Colors: Focus on Credit Risk In this episode, Mark Treichel invites Steve Farrar and Todd Miller to discuss the NCUA's focus on Credit Risk in its Letter to Credit Unions, as well as the impact of the current economic climate on credit unions and their clients. The hosts analyze various contributing factors to this issue, including incr…

Navigating Fair Lending in the Credit Union Sector: A Conversation with Dana Ginsburg This podcast transcript features Mark Treichel interviewing Dana Ginsburg from Compliance Tech on the hot topic of fair lending in the credit union industry. Ginsburg, who has been with Compliance Tech since 1998, shares her insights drawn from vast experience in …

Mark highlights the increase in 'camel code threes,' primarily due to liquidity and interest rate risks among large institutions. Liquidity planning stands as crucial for financial institutions. Treichel discusses the CLF's role as a last resort for borrowings during a crisis. He draws attention to policy changes at NCUA, speculating a shift to hav…

Credit Union Conversations: The Role of MBFS in Strengthening Credit Unions and Business Lending In this episode of with flying colors, host Mark Treichel speaks with Mark Ritter, CEO of Member Business Financial Services (MBFS). Ritter sheds light on his journey in the industry, starting from establishing a business lending program at a Central Pe…

Discussing NCUA's Supervisory Priority Letter: Part Two In this podcast, Mark Treichel is joined by Steve Farrar and Todd Miller for a second discussion of the priority letter from the National Credit Union Administration (NCUA). They delve into topics such as consumer financial protection, bank secrecy act, cybersecurity and support for small cred…

Discussing NCUA's Priority Letters and the Credit Risk Landscape In this episode of 'With Flying Colors', host Mark Treichel along with Steve and Todd, former members from NCUA, discuss NCUA's third annual letter to Credit Unions covering Exam Supervision and Supervisory Priorities. They delve into the reasons behind prioritizing the areas of credi…

NCUA Board Meeting: Fair Lending, Consumer Compliance, and Vacancy Rates Mark Teichel discusses the first National Credit Union Administration (NCUA) board meeting of 2024, emphasizing the introduction of Tanya Otsuka, the new Democrat board member. Key topics include an increase in fair lending exams, consumer compliance, and the NCUA's challenge …

Navigating the NCUA's Changing Priorities & Regulations: With Flying Colors In this episode of 'With Flying Colors', Mark Treichel discusses the current developments and predictions for regulations and priorities within the National Credit Union Administration(NCUA). He talks about the issues faced by Navy Federal Credit Union due to reported dispa…

A Conversation with Brian Knight of NASCUS 00:00 Introduction 00:41 Reflections on NASCUS and Credit Unions in 2023 01:05 NASCUS Initiatives and Achievements in 2023 01:59 Discussion on Anti-Financial Crimes and Cybersecurity 03:32 Legal Roundtable and Litigation in the Financial Services Sector 04:26 NASCUS's Regular Operations and Achievements 05…

Introducing the Credit Union Regulatory Guidance Podcast In this episode of 'With Flying Colors', host Mark Treichel announces a new podcast titled 'Credit Union Regulatory Guidance'. Sponsored by Credit Union Exam Solutions, this new program will primarily focus on educational content presented in an audiobook-style format, explaining new regulato…

What topics would you like to cover in 2024? Who Should We Interview? Let us know at info@marktreichel.com or https://www.linkedin.com/in/mark-treichel/By Mark Treichel's Credit Union Exam Solutions

In this episode, Mark Treichel summarizes the major developments at the NCUA and provided his insights on how Tanya Otsuka's appointment may influence the NCUA moving forward. Mark discusses the important role of the 'overhire' power within NCUA and how it could be used in 2024. He anticipates an increased focus on climate change issues and consume…

Host Mark Treichel interviews Bill Paton, Vice President at Alloya Federal Credit Union on the topics of liquidity in credit unions, focusing on events that took place in 2023. Bill identifies issues and developments including a rise in creative strategies for liquidity management such as securitizations and deposit swaps. He surmises that this ing…

NCUA Chairman Todd M. Harper's Written Testimony Before the House Financial Services Committee NCUA Chairman Todd M. Harper testifying before the House Financial Services Committee in 2023. Chairman McHenry, Ranking Member Waters, and members of the committee, thank you for inviting me to discuss the work of the National Credit Union Administration…

Should Artificial Intelligence or AI Scare Credit Unions? This is With Flying Colors but this is NOT Mark Treichel. This is an AI recording of my voice that is saying what I type. It is an earlier version of my podcast software's AI tools which I have never used. I am not a fan but wanted you to hear how it sounds. I don't think someone could prete…

NCUA is adding a new Supervisory Level position which is a good move. In this episode we discuss why they are doing it and what it means for credit unions. https://www.linkedin.com/in/mark-treichel/ www.marktreichel.comBy Mark Treichel's Credit Union Exam Solutions

Full Testimony below. In this episode, I discuss why the statements below and recent events in credit union cybersecurity will lead NCUA to push harder on obtaining 3rd Party Vendor Authority. I predict it will be Priority One for NCUA in 2024. Director of Financial Technology and Access Charles Vice's Written Testimony Before Subcommittee on Digit…

In this episode of the 'With Flying Colors' podcast, host Mark Treichel interviews Dan Prezioso, a partner at Olden Lane, to discuss the dynamic landscape of credit union examinations and mergers. They touch on the unique aspects of credit union mergers, potential challenges, and strategies to navigate them effectively. Building on his insider know…

Exploring the FHFA 100 Year Report and its Impact on the Council of Federal Home Loan Banks In this episode of 'With Flying Colors', Mark Treichel hosts Ryan Donovan, the CEO of the Council of Federal Home Loan Banks. They discuss the recently released FHFA 100 Year Report on federal home loan banks and Ryan's key takeaways from it. They delve into…

The episode covers the potential economic risks for credit unions, with a focus on the increases in Camel Code 3s. Mark Treichel recaps NCUA Chairman Todd Harper's warning about high levels of interest rate risk, liquidity risks, and asset quality deterioration. Also discussed are trends in Camel Code ratings, credit union safety and soundness, and…

CUNA and NAFCU members voted to approve the merger of the two trade associations into one - beginning January 1, 2024. I chat with John McKechnie and Geoff Bacino about what it means and what we don't yet know about the merger. https://www.nafcu.org/newsroom/cuna-and-nafcu-members-approve-merger-form-americas-credit-unions…

In this Episode I check in with Lenwood Brooks' as he ends his tour with NCUA where he served as Chief of Staff to Rodney Hood.By Mark Treichel's Credit Union Exam Solutions

NCUA has released its draft budget for 2024. It calls for the conversion of examiners to specialists, most notably consumer compliance specialists. How will this impact your exam? Listen for the details.By Mark Treichel's Credit Union Exam Solutions

Today's guest is Chris Tissue from CU Collaborate. Chris and Mark discuss their work on getting a large community charter expansion for Dade County Federal Credit Union. This was the first and only NCUA-approved community charter expansion that required a public hearing due to its size. The public hearing process begins when a federal credit union …

I love the podcast called Crypto Critics Corner. Their coverage of the Sam Bankman-Fried Trial is very entertaining. It's like driving by an ambulance ... you go slow. I highly recommend you give it a listen. Fried to Testify: per linkedin: Sam Bankman-Fried, founder of the failed crypto exchange FTX, has decided to take the stand as early as Thurs…

NCUA Chairman Harper often speaks to the need for Congress to enhance the CLF. That being said if more credit unions joined the impact would be substantial. In this episode former CLF Vice President Steve Farrar explains the nuances of the CLF.By Mark Treichel's Credit Union Exam Solutions

At the October 19. 2023 NCUA Board Meeting, the Board approved two proposed rules. The board press release follows:By Mark Treichel's Credit Union Exam Solutions

Today I chat with Joe Goldberg who was in charge of Consumer Compliance at NCUA and we discuss all things related to HMDA. In 33 years at NCUA I served as Executive Director, Regional Director, Director of Special Actions, Supervisory Examiner, and Principal Examiner. I began at the ground level as an examiner. I rose to the top. As Executive Direc…

DCUC CEO Tony Hernandez is today's guest. We discuss the Defense Credit Union Council's Mission, efforts to assist active duty, and expansion into the veteran market. We also discuss the 2024 trip to Warsaw Poland, the CUNA NAFCU merger into Americas Credit Unions and what it means for DCUC, and much, much more. https://www.dcuc.org/…