DOCSLIB.ORG

Spirits Unleashed by Mark Zandi N Page 30 Searchingsearching Forfor Solutions?Solutions? Findfind Themthem Atat Archarch MI

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Spirits Unleashed by Mark Zandi N Page 30 Searchingsearching Forfor Solutions?Solutions? Findfind Themthem Atat Archarch MI January • 2015 ACUMA PIPELINEMAGAZINE U.S. Macro Outlook 2015: Spirits Unleashed By Mark Zandi n Page 30 SearchingSearching forfor Solutions?Solutions? FindFind ThemThem atat ArchArch MI. BroadenBroaden your your scope scope with with targeted targeted solutions solutions fromfrom Arch MI that support youryour diversediverse mortgage mortgage lendinglending needs. needs. Win Win more more business business and and reducereduce youryour riskrisk exposure byby originatingoriginating with with Arch Arch MI. MI. • •Specialty Specialty mortgage mortgage insurance insurance programs, programs, competitivelycompetitively priced • •Capabilities Capabilities to to provide provide mortgage mortgage credit credit enhancementenhancement outsideoutside of of the the traditional traditional GSE GSE MI MI business business modelmodel • •Integration Integration with with industry-leading industry-leading LOS LOS andand pricingpricing engines • •Contract Contract Underwriting Underwriting services services Expect MoreMore fromfrom thethe Right Right MI MI Partner. Partner. • Comprehensive Underwriting training • Comprehensive Underwriting training LearnLearn more more by by contacting contacting your your Arch Arch MI MI • •Financial Financial strength strength and and AccountAccount Executive Executive at at 800.909.4264 800.909.4264 readinessreadiness to to satisfy satisfy PMIERs PMIERs or or by by visiting visiting www.archmicu.com. www.archmicu.com. © 2014 Arch Mortgage Insurance Company 169-01-15-CU © 2014 Arch Mortgage Insurance Company 169-01-15-CU TABLE OF CONTENTS SearchingSearching forfor Solutions?Solutions? FindFind ThemThem atat ArchArch MI. 2 CU Mortgage Lending, A real alternative for members BroadenBroaden your your scope scope with with targeted targeted solutions solutions fromfrom Arch MI that support youryour diversediverse mortgage mortgage By Bob Dorsa lendinglending needs. needs. Win Win more more business business and and reducereduce youryour riskrisk exposure byby originatingoriginating with with Arch Arch MI. MI. 4 In the Pipeline: Insights and Observations on CU Mortgage Lending • •Specialty Specialty mortgage mortgage insurance insurance programs, programs, competitivelycompetitively priced 4 Mortgage Insurers Start the New Year with New Master Policies • Capabilities to provide mortgage credit enhancement • Capabilities to provide mortgage credit enhancement By Arch Mortgage Insurance Company outsideoutside of of the the traditional traditional GSE GSE MI MI business business modelmodel 6 ACUMA 2015 Annual Conference • •Integration Integration with with industry-leading industry-leading LOS LOS andand pricingpricing engines September 14-16, Bellagio Las Vegas • •Contract Contract Underwriting Underwriting services services Expect MoreMore fromfrom thethe Right Right MI MI Partner. Partner. 7 Saving for a Downpayment Takes Time and Sacrifice, but the Payoff Remains • Comprehensive Underwriting training By Jessica Lautz • Comprehensive Underwriting training LearnLearn more more by by contacting contacting your your Arch Arch MI MI ACUMA’s Exhibit at the 2014 NAR • •Financial Financial strength strength and and AccountAccount Executive Executive at at 800.909.4264 800.909.4264 8 readinessreadiness to to satisfy satisfy PMIERs PMIERs or or by by visiting visiting www.archmicu.com. www.archmicu.com. By Bob Dorsa 10 Credit Union Uses eRegistry for eNotes to Bring 21st Century Efficiency to its Mortgage Process 13 ACUMA Sets new record for 2014 Annual Conference Attendance… By Bob Dorsa 18 ACUMA 2015 Real Estate Lending Workshops, Why Should You Attend? May 20-21, San Francisco – June 30-July1, Boston 20 Millennials: Challenge and Opportunity By Ann Clurman and Rob Callender 30 U.S. Macro Outlook 2015: Spirits Unleashed By Mark Zandi 40 The Intricate Art of Today’s Mortgage Underwriting By Jerry DeMuth 46 The Infrastructure Predicament By Terry Wakefield 55 Market Share–Credit Unions Are Holding On! By Tracy Ashfield © 2014 Arch Mortgage Insurance Company 169-01-15-CU © 2014 Arch Mortgage Insurance Company 169-01-15-CU January 2015 - PIPELINE 1 FROM THE DESK OF ACUMA PRESIDENT BOB DORSA ACUMA PIPELINEMAGAZINE ACUMA Pipeline is a publication of the American Credit Union Mortgage As- sociation, PO Box 400955, Las Vegas, NV 89140. CU Mortgage Lending Bob McKay Baxter Credit Union A real alternative for members Chairman As I watched the President’s State of the Union mes- Mark Wilburn Truity Credit Union sage this week he reminded us of the tough times our na- tion has endured the past few years. It is great news that Vice Chairman our economy is back on track and the future is once again bright for many. Pam Davis From our corner of the world, the recognition that Delta Community CU Credit Unions are perhaps the only real alternative for con- Treasurer sumers seeking competitive housing finance options. Since ACUMA began in 1996 this has been a resil- Barry Stricklin ient theme propelling us forward. More and more Credit Tower FCU Unions have discovered that home loans are the key driver Secretary for financial security and member satisfaction. We have witnessed in the past decade our market share rise from John Reed a mere 2% at the beginning on this century to above 8% Maine Savings FCU today and constantly rising to our 10 year goal to reach double digits by the end of next year. Director While achieving goals are most important to business leaders, in the case of Credit Unions assisting borrowers with home loans speaks to the fundamental fabric of our busi- Tim Mislansky ness, dating back to our origins. The updated version would be instead of pooling funds in a Wright-Patt Credit Union single sponsor or affinity group, Credit Unions have found a real niche originating and more Director importantly servicing those loans in the communities in which they serve. This comment was echoed by the President of the NAR at ACUMA’s Fall Conference. Brown also reflected on the parallel in what Credit Unions do best to what REALTORS® do best, serve the com- Michael Patterson, munity in which they live, work and share. Financial Partners We had many conversations this past year around the topic of working with Realtors. I Credit Union content we may be over thinking this issue. If we just get back to basics we have more in Director common with Realtors than we know. Now is the real opportunity. We have an entire new generation of younger borrowers entering the home-buying marketplace. Many of these indi- viduals may not be that familiar with what Credit Unions offer. I see this as the perfect intro- Bob Dorsa duction. Working together with REALTORS® in your community you can provide valuable President information and trust sought by just about every borrower. In return securing the loan will give your organization an opportunity to grow based on leveraging the business relationship with the borrower for additional CU products and services. So the table is set. ACUMA works hard each every day to make this job a little easier. Whether exploring building relationships through the National Association of Realtors to The information and opinions pre- providing outstanding education to learn from professional and peers alike those all impor- sented here should not be construed as a recommendation for any course tant best practices to success. There are no shout cuts but we know our devoted professional of action regarding financial, legal or real lending professional have a resiliency second to none. I look forward to speaking with accounting matters by ACUMA, The many of you and seeing some you at our 2015 Educational events. It doesn’t get much better ACUMA Pipeline or its authors. than this! © Copyright 2014 by ACUMA. All rights reserved. Respectfully, Printed in the USA Bob Dorsa, President/Founder 2 PIPELINE - January 2015 Join us Pictured above: ACUMA President Bob Dorsa and Tracy Ashfield. should you join ACUMA? Because, just like you, we realize the importance of Why CU mortgage lending to the future of the credit union movement. ACUMA is: v an association whose only mission is CU mortgage lending with a membership made up exclusively of credit union professionals and their primary suppliers. v dedicated to serving the mortgage needs of both current and prospective credit union members and their families. v a committed advocate of CU mortgage lending constantly promoting the benefits of our programs and the value of membership. v actively working to build relationships with REALTORS®, Home Builders and other influential housing affiliated groups. v the single most powerful resource available when it comes to networking, relationship building and growing your market share. Join us today at www.acuma.org IN THE PIPELINE: INSIGHTS AND OBSERVATIONS ON CU MORTGAGE LENDING Mortgage Insurers Start the New Year with New Master Policies By Arch Mortgage Insurance Company The Great Recession launched an era related to when and for what reasons the of sweeping change for the mortgage mortgage insurers could rescind cover- lending industry – change that is still age on a loan. unfolding as we move into 2015. In late 2012, the GSEs, in conjunction The Great Mortgage lenders, including credit with the FHFA, provided a framework unions, naturally felt the greatest im- for MIs to develop new master policies Recession pact as new regulations and safeguards that would cover those loans purchased launched an era of were introduced to the home purchase by the GSEs, with an emphasis on: process and mortgage finance system. n Standardizing certain
Load more

Recommended publications
  • Eviction Order Is Delayed
    Simple recipe Keeping it simply sandwiches WEEKEND | P.13 FEBRUARY 24, 2012 VOLUME 20, NO. 5 INSIDE: MOVIES | PAGE 16 650.964.6300 MountainViewOnline.com School bond Eviction measure near approval order is MV WHISMAN TO PUT 101 Bayshore Freeway $198 MILLION IN PROJECTS delayed ON JUNE BALLOT CITY GIVES MORA DRIVE By Nick Veronin BUSINESSES 18 MONTHS By Daniel DeBolt he Mountain View Whis- man School District board ver a dozen small busi- Tappears poised to move nesses on Mora Drive, forward on a $198 million bond Ofacing an April deadline to measure to pay for safety and facili- leave their buildings as a 25-year- ties improvements at local elemen- North Shoreline Blvd. old agreement with the city ran tary and middle schools. out, will now have more time to The proposed bond would be relocate. The City Council on Tues- supported by area home owners day granted an 18-month reprieve who would pay up to $30 per so the businesses can find new $100,000 of assessed property value. buildings. It requires a yes vote of 55 percent The extension will save a raw food to pass. It would come on top of COURTESY RENDERING processing business called Freeland Measure C, the eight-year, $3 mil- A possible view of North Bayshore in 2030 includes a route for a new high-use transit service in this Foods, but the owner of Simon lion voter-approved parcel tax that July 2010 rendering. Printing, profiled by the Voice in went into effect in 2009. Depending December, says it may still go out on parcel size, property owners are of business if forced to move.
    [Show full text]
  • For Immediate Release: Andy Simescu Joins TDECU As SVP, Chief Community Experience Officer
    Media Contact: Merideth Miller, M2 The Agency 281.882.3045 [email protected] Andy Simescu, TDECU SVP, Chief Community Experience Officer For Immediate Release: Andy Simescu Joins TDECU as SVP, Chief Community Experience Officer (Lake Jackson, TX) — TDECU – Your Credit Union is pleased to welcome Andy Simescu as its new SVP, Chief Community Experience Officer. In this position, Simescu will provide visionary leadership to develop and execute initiatives designed to enhance the overall person-to-person Member experience and ensure consistency in that experience across credit union delivery channels. Simescu comes to TDECU as a seasoned, transformational leader in shaping financial services end-user experiences. A self-described “experience advocate,” Simescu brings a depth of skills in building cross-functional teams and engaging team members in processes that support innovation and align experience with corporate goals. Most recently, Simescu served for nearly four years as Vice President, Member Experience for First Tech Credit Union in Palo Alto, California. Before that, he spent well over a decade with Bank of America, where he served in a variety of leadership capacities, including Director, Member Experience and Vice President, Consumer Market Manager. -more- “As our Chief Community Experience Officer, Andy will lead the charge on creating a strong, Member-centric culture complete with ownership and accountability at all levels of our organization,” said TDECU President and CEO Stephanie Sherrodd. “We brought Andy on board because our deep commitment to the Member experience inspired us to take our pledge to personal service to an even higher level. I look forward to collaborating with him on strategy development for all aspects of the Member experience from how we are perceived in the community to account opening and engagement.” About TDECU Founded in 1955, TDECU is a not-for-profit financial cooperative with more than 308,000 Members and over $3.4 billion in assets.
    [Show full text]
  • Funds Availability Policy
    Market USA Federal Credit Union Funds Availability Policy General Policy Our policy is to delay the availability of funds from your check deposits. During the delay, you may not withdraw the funds in cash, and we will not use the funds to pay share drafts that you have written. We apply check holds to deposits made into all types of accounts (checking; savings; IRA; club accounts; certificates; etc.). Savings accounts are not subject to expedited funds under Regulation CC. Deposits placed in a savings account can be held for an unlimited number of days. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. Every day is a business day, except Saturdays, Sundays, and Federal holidays. If you make a deposit during business hours on a business day we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after we are closed for the day or on a day that we are not open, we will consider that the deposit was made on the next business day that we are open. Same Day Availability Funds from the following deposits are available on the day that we receive the deposit: Electronic Direct Deposit Cash Next Day Availability Funds from the following deposits are available on or before the first business day after the receipt of your deposit: • U.S. Treasury Checks* • U.S. Postal Money Orders* • Federal Reserve Bank and Federal Home Loan Bank Checks* • State/Local Government Checks* • Cashiers/Certified/Teller Checks* • Checks written on accounts at MUSA FCU (“on us”) • The first $225 of a days total deposits *The first $5,525 must be made available the next business day provided that the payee is the account holder and the deposits are made in person.
    [Show full text]
  • Albertsons at Hillsboro Promenade
    ALBERTSONS AT HILLSBORO PROMENADE Offering Memorandum NON-ENDORSEMENT AND DISCLAIMER NOTICE DISCLAIMER CONTINUED Buyer and Buyer’s tax, financial, legal, and construction advisors CONFIDENTIALITY AND DISCLAIMER should conduct a careful, independent investigation of any net The information contained in the following Marketing Brochure is proprietary and strictly confidential. It is intended to be reviewed only by the party receiving it from Marcus & leased property to determine to your satisfaction with the suitability Millichap and should not be made available to any other person or entity without the written consent of Marcus & Millichap. This Marketing Brochure has been prepared to provide of the property for your needs. summary, unverified information to prospective purchasers, and to establish only a preliminary level of interest in the subject property. The information contained herein is not a Like all real estate investments, this investment carries significant substitute for a thorough due diligence investigation. Marcus & Millichap has not made any investigation, and makes no warranty or representation, with respect to the income or risks. Buyer and Buyer’s legal and financial advisors must request expenses for the subject property, the future projected financial performance of the property, the size and square footage of the property and improvements, the presence or absence and carefully review all legal and financial documents related to the of contaminating substances, PCB’s or asbestos, the compliance with State and Federal regulations, the physical condition of the improvements thereon, or the financial condition property and tenant. While the tenant’s past performance at this or or business prospects of any tenant, or any tenant’s plans or intentions to continue its occupancy of the subject property.
    [Show full text]
  • Facility Management Staffing Report
    Facility Management Staffing Report Research Report #33 FM STAffING SURVEY COmmITTEE MEMBERS Jon Bredemeier, CFM, Sears Holdings Management Corporation Sheryl Callahan, CFM, Grubb & Ellis Jamie Galileo, Energy Solutions Arena Ted Maslin, CFM, City of Seattle Lyle Schall, General Dynamics Fred Weiss, CFM, IFMA Fellow, University of Texas at San Antonio Ed Wirth, CFM, Emprise Bank Director of Research Shari F. Epstein, CAE Survey Design and Report Kevin Whorton, Whorton Marketing & Research © Copyright 2010 by the International Facility Management Association All rights reserved. Printed in the United States of America. This publication may not be reproduced, stored in a retrieval system or transmitted in whole or part, in any form or by any means, electronic, mechanical, photocopying, recording or otherwise without the written permission of the International Facility Management Association. For more information, please contact: IFMA Research Department 1 East Greenway Plaza, Suite 1100, Houston, TX 77046-0104, USA Phone: +1-713-623-4362 Fax: +1-713-623-6124 E-mail: [email protected] ISBN 1-883176-81-6 Printed on 10% post-consumer waste recycled paper. FSC certified. Facility Management Staffing Report Table of Contents Introduction 4 Facility Description 7 Staffing the FM Function 15 Pay Practices 19 Estimate - Total U.S. Facility Management Professionals 23 Detailed Data Tables by Key Characteristics 25 A. Overall Staffing Levels 29 B. Staff Composition 31 C. Detailed Professional Staff Breakdown 34 D. Recent Changes 38 E. Salary Change and Basis 41 F. Outsourced Functions 47 Participant List 49 Introduction About this Report Facility management – a profession that DEFINITIONS encompasses multiple disciplines to ensure functionality of the built environment by integrating Average people, place, process and technology.
    [Show full text]
  • Weekly News Update
    Weekly News Update Week Ending 9/29/17 SPECIALIZED INVESTMENT BANKERS AT THE INTERSECTION OF FINANCE AND TECHNOLOGY Weekly News Update – Week Ending 9/29/17 Go to Index BANK TECH / SOLUTIONS ...................................................................................................... 8 Banca Generali and Saxo Bank enter online trading pact ............................................................... 9 BBVA uses big data to redraw city maps ......................................................................................... 10 R3 and 12 banks plan overhaul of open-account trade finance ................................................... 11 The iphone X facial recognition tech to revolutionise credit underwriting ................................... 12 SCU launches AI service for customer queries ............................................................................... 14 HSBC launches Open Banking solution ahead of schedule ......................................................... 15 Starling Bank uses tech to woo customers and challenge incumbents ....................................... 17 Quovo announces use of account aggregation to autoverify micro-deposits ............................. 19 Amazon, PayPal increasing interest in engaging with federal banking regulators .................... 20 BPO ..........................................................................................................................................24 Kyriba enters strategic alliance with GlobalTrade Corporation ....................................................
    [Show full text]
  • PC-Based Security Software Is Still Critically Important, but Is No Longer Enough to Combat New Web-Based Attacks
    With a variety of high profile breaches like those at Google and Adobe dominating the start of 2010, I wonder what will the rest of the year bring in terms of cyberwar. Who was behind those attacks is not as important as the fact that large companies admit to breaches publicly. Admitting there's a problem is a significant step towards dealing with it. I expect more public disclosures and a wider revelation of the issue. One of the following issues of (IN)SECURE will have cyberwar as a theme, so if you have something to say about it, do let me know. As concerns other content, expect coverage from several global events in the near future. As silver media sponsors, once again weʼll be covering the extensive RSA Conference in San Francisco. After that weʼre heading to InfosecWorld in Orlando and Infosecurity in London. Thatʼs just in the next few months, we have a few more surprises lined up for the rest of the year. Mirko Zorz Editor in Chief Visit the magazine website at www.insecuremag.com (IN)SECURE Magazine contacts Feedback and contributions: Mirko Zorz, Editor in Chief - [email protected] News: Zeljka Zorz, News Editor - [email protected] Marketing: Berislav Kucan, Director of Marketing - [email protected] Distribution (IN)SECURE Magazine can be freely distributed in the form of the original, non modified PDF document. Distribution of modified versions of (IN)SECURE Magazine content is prohibited without the explicit permission from the editor. Copyright HNS Consulting Ltd. 2010. www.insecuremag.com 25 million new malware strains in one year The outstanding trend of the last 12 months has been the pro- lific production of new malware: 25 million new strains were created in just one year, compared to a combined total of 15 million throughout the last 20 years.
    [Show full text]
  • Choose Alaska USA and Save! Plus! FREE Extras
    Choose Alaska USA and save! $13.60 Open a new personal checking account with Alaska USA and get your first box of checks FREE. Alaska USA doesn’t charge per-check fees regardless of how many you write per month. Financial institutions $20.16 that do assess per-item fees typically start charging after your first 12 checks each month, and the fee is around 56 cents per extra check! If you wrote an average of 15 checks a month (three over the limit), you’d wind up shelling out $20.16 a year! $68.88 Alaska USA’s monthly maintenance fee is just $5 – even for an account that earns dividends – and there’s no fee if you are a young adult, have direct deposit, or maintain the required minimum balance. The average bank fee for an interest-bearing account is $10.74, which is an extra $68.88 over the course of a year. At Alaska USA, the fee for Non-Sufficient Funds (NSF) is $20, which is $7.40 less than the national average. $37.00 The typical checking account holder without overdraft protection writes five NSF checks per year, and would pay, on average, an extra $37. Need to stop payment on a check? It’ll cost you an average of $27.90 at another financial institution, but $27.90 there’s no charge at Alaska USA when you place a stop payment online through UltraBranch®. More and more banks are charging their own customers an ATM transaction fee each time they withdraw money from another bank’s ATM – around $1.65 per transaction.
    [Show full text]
  • Eligible Financial Institutions
    Eligible & Participating Financial Institutions 1199 SEIU FEDERAL CREDIT UNION 121 FINANCIAL CREDIT UNION 1880 BANK 1ST BANK 1ST BANK OF SEA ISLE CITY 1ST BERGEN FEDERAL CREDIT UNION 1ST CAMERON STATE BANK 1ST CAPITAL BANK 1ST CHOICE CREDIT UNION 1ST COLONIAL COMMUNITY BANK 1ST COMMUNITY BANK 1ST COMMUNITY FEDERAL CREDIT UNION 1ST CONSTITUTION BANK 1ST COOPERATIVE FEDERAL CREDIT UNION 1ST FINANCIAL BANK USA 1ST GATEWAY CREDIT UNION 1ST LIBERTY FEDERAL CREDIT UNION 1ST MARINER BANK 1ST MIDAMERICA CREDIT UNION 1ST NORTHERN CALIFORNIA CREDIT UNION 1ST SECURITY BANK OF WASHINGTON 1ST STATE BANK 1ST SUMMIT BANK 1ST UNITED BANK 1ST UNITED SERVICES CREDIT UNION 2 RIVERS AREA CREDIT UNION 21ST CENTURY BANK 360 FEDERAL CREDIT UNION 4FRONT CREDIT UNION 5 STAR COMMUNITY CREDIT UNION 5STAR BANK A C P E FEDERAL CREDIT UNION A.B.&W. CU. INC. A.O.D. FEDERAL CREDIT UNION AAC CREDIT UNION ABA CARD SOLUTIONS, INC. ABACUS FEDERAL SAVINGS BANK ABBEY CREDIT UNION, INC. ABBOTT LABORATORIES ECU ABBYBANK ABERDEEN FCU ABERDEEN PROVING GROUND FCU ABILENE FEDERAL CREDIT UNION ABINGTON BANK ABNB FEDERAL CREDIT UNION ABRI CREDIT UNION ACADEMY BANK, NATIONAL ASSOCIATION ACADIA FEDERAL CREDIT UNION ACADIAN FEDERAL CREDIT UNION ACADIANA MEDICAL FEDERAL CREDIT UNION ACCENTRA CREDIT UNION ACCESS BANK ACCESS CREDIT UNION ACCESS FEDERAL CREDIT UNION ACCESS NATIONAL BANK ACCESSBANK TEXAS ACME CONTINENTAL CREDIT UNION ACTORS FEDERAL CREDIT UNION ADAMS BANK AND TRUST ADIRONDACK BANK ADIRONDACK REGIONAL FCU ADMIRALS BANK ADRIAN STATE BANK ADVANCE FINANCIAL FEDERAL CREDIT UNION
    [Show full text]
  • Exceeding Expectations
    2014 ANNUAL IMPACT REPORT EXCEEDING EXPECTATIONS years BEYOND OUR WILDEST DREAMS Twenty-five years have passed since visionary inventor Dean Kamen launched his most inspired creation to date — FIRST® (For Inspiration and Recognition of Science and Technology), a 501(c)(3) not-for-profit public charity whose mission is to help develop our young people into tomorrow’s science and technology leaders and innovators. Through a progression of fun, engaging, STEM-building robotics and research programs, FIRST kids, ages 6 to 18, learn about team building and mutual respect, gain self-confidence, and develop important leadership and life skills. Dean’s vision, still unchanged after a quarter century, is to create a culture where scientists, engineers, and technologists are celebrated and revered on the same level as athletes and celebrities. FIRST is cleverly designed to open the doors of imagination so that kids will be inspired to seek education and careers in these fields. What was, in the beginning, expected to be a long, uphill battle for positive cultural change has today become a model for success. FIRST is celebrated in the media, respected by government leaders, considered a valuable asset on scholarship applications and employee resumes, and embraced by a growing army of young people worldwide seeking knowledge, self-discovery, personal growth, and life-changing experiences. It’s leading the way in making science and engineering “cool.” Is this success more than we expected? You bet — and the best is yet to come. I The ball of cultural change is rolling. Can you help us push? Learn more about FIRST at www.usfirst.org “ FIRST ® was STEM (science, technology, engineering, and math) before there was STEM.” WALT HAVENSTEIN, FIRST VICE CHAIR 2 years 3 years A decade of data and research shows that exposing kids to fun, exciting EXCEEDING EXPECTATIONS FIRST programs builds 21st century work skills and greatly increases their 25& CREATING REAL IMPACT motivation to seek education and careers in STEM fields.
    [Show full text]
  • Institutions Exempt from the Debit Card Interchange Standards
    Institutions Exempt from the Debit Card Interchange Standards Status FRB_ID Legal_Name Short_Name City State TYPE FDIC_ID OCC_ID NCUA_ID Exempt 725291 1199 SEIU FEDERAL CREDIT UNION 1199 SEIU FCU NEW YORK NY Federal Chartered Natural Persons Credit Union 0 0 24670 Exempt 916398 121 FINANCIAL CREDIT UNION 121 FNCL CU JACKSONVILLE FL State Chartered Natural Persons Credit Union 0 0 61605 Exempt 720689 167TH TFR FEDERAL CREDIT UNION 167TH TFR FCU MARTINSBURG WV Federal Chartered Natural Persons Credit Union 0 0 13028 Exempt 3317192 1ST ADVANTAGE BANK 1ST ADVAN BK SAINT PETERS MO State Nonmember Commercial Bank 57899 0 0 Exempt 497383 1ST ADVANTAGE FEDERAL CREDIT UNION 1ST ADVANTAGE FCU YORKTOWN VA Federal Chartered Natural Persons Credit Union 0 0 7448 Exempt 564856 1ST BANK 1ST BK BROADUS MT State Member Commercial Bank 22039 0 0 Exempt 350657 1ST BANK IN HOMINY 1ST BK IN HOMINY HOMINY OK State Member Commercial Bank 4122 0 0 Exempt 148470 1ST BANK OF SEA ISLE CITY 1ST BK OF SEA ISLE CITY SEA ISLE CITY NJ State Nonmember Savings Bank 30367 0 0 Exempt 3048487 1ST BANK YUMA 1ST BK YUMA YUMA AZ State Nonmember Commercial Bank 57298 0 0 Exempt 3945737 1ST BERGEN FEDERAL CREDIT UNION 1ST BERGEN FCU HACKENSACK NJ Federal Chartered Natural Persons Credit Union 0 0 24810 Exempt 941653 1ST CAMERON STATE BANK 1ST CAMERON ST BK CAMERON MO State Nonmember Commercial Bank 32487 0 0 Exempt 3594797 1ST CAPITAL BANK 1ST CAP BK SALINAS CA State Nonmember Commercial Bank 58485 0 0 Exempt 166595 1ST CHOICE CREDIT UNION 1ST CHOICE CU ATLANTA GA State Chartered
    [Show full text]
  • Lienholder Code List September 2020
    MassDOT-Registry of Motor Vehicles Division LienHolder Code List September 2020 LIENHOLDER NAME LH CODE ELT MAILING ADDRESS 360 FEDERAL CREDIT UNION C02166 ELT PO BOX 273 / WINDSOR LOCKS / CT 06096 600 ATLANTIC FEDERAL CREDIT UNION C01314 ELT 600 ATLANTIC AVE 4TH FLOOR / BOSTON / MA 02210 ABBOTT LABS EMPL CREDIT UNION C13286 ELT 401 N RIVERSIDE ST / GURNEE / IL 60031 ABC BUS LEASING C41552 ELT 1506 NW 30TH ST / FARIBAULT/ MN 55021 ABILENE TEACHERS FEDERAL CU C06969 ELT PO BOX 5706 / ABILENE / TX 79608 ABLE INC C50051 ELT PO BOX 1907 / AUSTIN / TX 78767 ABOUND FEDERAL CREDIT UNION (FORMERLY FORT KNOX FCU) C02772 ELT PO BOX 900 / RADCLIFF / KY 40159 ACCLAIM FED CR UN C31308 ELT PO BOX 29527 / GREENSBORO / NC 27420 ACF FINCO 1 LP C42336 ELT PO BOX 2969 / SPRINGFIELD / IL 62708 ACHIEVA CREDIT UNION C34463 ELT PO BOX 1500 / DUNEDIN /FL 34697 ACMG FEDERAL CR UN C00716 ELT PO BOX 188 / SOLVAY / NY 13209 ADAMS COMMUNITY BANK (FORMERLY ADAMS COOPERATIVE BANK AND SOUTH ADAMS SAVINGS BANK) C01872 ELT PO BOX 306 / ADAMS / MA 01220 ADAMS COOPERATIVE BANK NOW KNOWN AS ADAMS COMMUNITY BANK ADDISON AVENUE FCU (ALL TITLES) (FORMERLY HPEFCU) NOW KNOWN AS FIRST TECHNOLOGY FEDERAL CREDIT UNION ADVANTAGE FEDERAL CR UN C41514 ELT 1975 BUFFALO ROAD / ROCHESTER / NY 14624 AERO FED CR UN C38764 ELT 5811 W TALAVI BLVD / GLENDALE / AZ 85306 AFC FUNDING CORP C41145 ELT 11299 N ILLINOIS ST / CARMEL IN 46032 RMV - Lienholder Code List Page 1 10/14/2020 MassDOT-Registry of Motor Vehicles Division LienHolder Code List September 2020 LIENHOLDER NAME LH CODE ELT MAILING
    [Show full text]