Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

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 asks to serve a specific local community. The proposed community must have a population of at least 2.5 million and include more than one political jurisdiction. Join this valuable conversation to find out more about this community charter expansion.

You can download a case study on the process here:

https://www.cucollaborate.com/credit-union-research/dade-county-fcu-case-study

www.cucollaborate.com

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

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 Thursday in his criminal fraud trial. The move, announced Wednesday by his lawyers, appears to be a last-ditch attempt to salvage Bankman-Fried's defense, but it's a risky one, as it will expose him to cross-examination by federal prosecutors. It follows damaging testimony by former colleagues who have pleaded guilty to fraud and cooperated with prosecutors.

• Another factor in the decision to have Bankman-Fried testify is that lawyers have been able to restore his access to the ADHD drug Adderall. They claimed he wouldn't be able to "meaningfully participate" without it.

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

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.

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

At the October 19. 2023 NCUA Board Meeting, the Board approved two proposed rules.

The board press release follows:

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

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 Director I supervised your Regional Director. I know how NCUA thinks and why they think it. I know the examination process inside and out. I know how to communicate and negotiate with NCUA. I know how to get NCUA to YES instead of NO.

I can help if you are currently dealing with or thinking about:

An examination that did not go as well as you hoped

An Examination that is in process right now

An examination that is coming soon

Responding to an NCUA or state examination

Assessing a letter to you from your Regional Director or State Regulator

Seeking NCUA or State Regulator approval for an action you desire to take

Assessing actions you will take in response to a Document of Resolution

Receiving a Letter of Understanding and Agreement

Document of Resolution (DOR) Issues

Examiner Findings

Supplementary Facts

CAMEL Code Downgrades

Capital Adequacy

Asset Quality

Management Code

Earnings

Liquidity Code

Sensitivity Code

Commercial Lending MBL Issues

Interest Rate Risk (IRR)

Net Economic Value (NEV)

Secondary Capital

Subordinated Debt

Exit Conference / Joint Conference Challenges

Fair Lending Exam Issues

Field of Membership (FOM) Expansions

CECL Issues

Appeals

Reputation Risk

Net Worth Restoration Plans (NWRP)

Credit risk

Interest rate risk

Liquidity risk

Transaction risk

Strategic risk

Reputation risk

Compliance risk

NCUA's Large Credit Union Program

Transition to the Office of National Examinations and Supervision (ONES)

CFPB

Strategic Planning

Safety and Soundness

Supervisory Committee

Corporate Governance

Bank Secrecy Act (BSA)

NCUA Examination Priorities

NCUA's Examination Guide

National Supervision Policy Manual

Bank Purchases

Letters to Credit Unions

NCUA Regulations

Reach out today to discuss how I can assist you and your credit union.

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

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/

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

Mark Twain once said history may not repeat itself, but it certainly rhymes.

The same can be said for federal regulators.

In this episode, I discuss the detailed OCC issuance that outlines its exam priorities. I expect NCUA to piggyback off of many of these.

You can find the OCC issuance here:

https://www.occ.treas.gov/news-issuances/news-releases/2023/nr-occ-2023-109a.pdf

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

More and more I am asked "Can I appeal the Exam". The answer is you CAN appeal anything. The question is should you...

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 Director I supervised your Regional Director. I know how NCUA thinks and why they think it. I know the examination process inside and out. I know how to communicate and negotiate with NCUA. I know how to get NCUA to YES instead of NO.

I can help if you are currently dealing with or thinking about:

An examination that did not go as well as you hoped

An Examination that is in process right now

An examination that is coming soon

Responding to an NCUA or state examination

Assessing a letter to you from your Regional Director or State Regulator

Seeking NCUA or State Regulator approval for an action you desire to take

Assessing actions you will take in response to a Document of Resolution

Receiving a Letter of Understanding and Agreement

Document of Resolution (DOR) Issues

Examiner Findings

Supplementary Facts

CAMEL Code Downgrades

Capital Adequacy

Asset Quality

Management Code

Earnings

Liquidity Code

Sensitivity Code

Commercial Lending MBL Issues

Interest Rate Risk (IRR)

Net Economic Value (NEV)

Secondary Capital

Subordinated Debt

Exit Conference / Joint Conference Challenges

Fair Lending Exam Issues

Field of Membership (FOM) Expansions

CECL Issues

Appeals

Reputation Risk

Net Worth Restoration Plans (NWRP)

Credit risk

Interest rate risk

Liquidity risk

Transaction risk

Strategic risk

Reputation risk

Compliance risk

NCUA's Large Credit Union Program

Transition to the Office of National Examinations and Supervision (ONES)

CFPB

Strategic Planning

Safety and Soundness

Supervisory Committee

Corporate Governance

Bank Secrecy Act (BSA)

NCUA Examination Priorities

NCUA's Examination Guide

National Supervision Policy Manual

Bank Purchases

Letters to Credit Unions

NCUA Regulations

Reach out today to discuss how I can assist you and your credit union.

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

Of course they do!

I have many friends and former colleagues who listen frequently.

Last week Chairman Todd Harper opened his industry webinar by referencing an earlier episode of With Flying Colors.

Listen to hear what he said and a flashback to what We said here, and a summary of what this means for credit unions.

Also remember what Machiavelli said about reorganizations:

“It must be remembered that there is nothing more difficult to plan, more doubtful of success, nor more dangerous to manage than a new system. For the initiator has the enmity of all who would profit by the preservation of the old institution and merely lukewarm defenders in those who gain by the new ones. ”

Set up a call:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Check out our website:

https://calendly.com/cuexamsolutions/talk-to-mark-about-any-exam-topic?month=2024-10

Are you worried about an NCUA exam in process or looming on the horizon? Don't face it alone!

We're ex-NCUA insiders with decades of experience, ready to guide you to success. Our team understands the intricacies of NCUA examinations from the inside out.

Hire us and gain:

• Peace of mind during your exam process

• Insider knowledge of NCUA procedures and expectations

• Strategies to address potential issues before they become problems

• Continuous access to our extensive subject matter expertise

With our access retainer, you'll have on-demand support from former NCUA experts. We're here to ensure your credit union passers its exam with flying colors in its next examination.

Contact Credit Union Exam Solutions today to learn more about our services and how we can help your credit union succeed.

NCUA Board Members serve six years terms, are nominated by the President of the United States, and confirmed by the United States Senate.

In this episode I discuss President Biden's recent action indicating an intent to nominate Tanya Otsuka - with an expert on the topic Geoff Bacino.

Why is Geoff an expert: he has served 2 different agencies as a board member, including NCUA.

www.marktreichel.com

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 Director I supervised your Regional Director. I know how NCUA thinks and why they think it. I know the examination process inside and out. I know how to communicate and negotiate with NCUA. I know how to get NCUA to YES instead of NO.

I can help if you are currently dealing with or thinking about:

An examination that did not go as well as you hoped

An Examination that is in process right now

An examination that is coming soon

Responding to an NCUA or state examination

Assessing a letter to you from your Regional Director or State Regulator

Seeking NCUA or State Regulator approval for an action you desire to take

Assessing actions you will take in response to a Document of Resolution

Receiving a Letter of Understanding and Agreement

Document of Resolution (DOR) Issues

Examiner Findings

Supplementary Facts

CAMEL Code Downgrades

Capital Adequacy

Asset Quality

Management Code

Earnings

Liquidity Code

Sensitivity Code

Commercial Lending MBL Issues

Interest Rate Risk (IRR)

Net Economic Value (NEV)

Secondary Capital

Subordinated Debt

Exit Conference / Joint Conference Challenges

Fair Lending Exam Issues

Field of Membership (FOM) Expansions

CECL Issues

Appeals

Reputation Risk

Net Worth Restoration Plans (NWRP)

Credit risk

Interest rate risk

Liquidity risk

Transaction risk

Strategic risk

Reputation risk

Compliance risk

NCUA's Large Credit Union Program

Transition to the Office of National Examinations and Supervision (ONES)

CFPB

Strategic Planning

Safety and Soundness

Supervisory Committee

Corporate Governance

Bank Secrecy Act (BSA)

NCUA Examination Priorities

NCUA's Examination Guide

National Supervision Policy Manual

Bank Purchases

Letters to Credit Unions

NCUA Regulations