800-809-2307
Four Letters. Infinite Potential.
Life is uncertain: Protect what you have

There are a lot of unknown factors in the world today that can impact financial stability for consumers and financial institutions alike. But taking a wait and see attitude is no way to address the unknown with confidence. Learn how maintaining a fully disclosed overdraft program – based on the latest regulatory guidelines and best practices – can help protect your institution’s revenue, prevent regulatory uncertainty and provide your account holders with the resources they need to cover life’s unexpected expenses or emergencies.

Read more
A Cautionary Tale: Don’t Put Important Service Initiatives on Auto-Pilot

You may think everything is fine with your overdraft privilege program if no new policies have been issued and it is generating income. But, if you are allowing it to operate with little or no additional oversight, you could be setting yourself up for potential missteps or even violations that can result in costly consequences or poor performance. Learn more about the consequences of putting your overdraft program on auto-pilot.

Read more
With Cordray’s Departure, What Direction Will the CFPB Take?

On November 15th it was announced that Consumer Financial Protection Bureau director, Richard Cordray, is stepping down before the end of the month, eight months earlier than expected. Learn how we help our clients with the most accurate guidance and regulatory perspective.

Read more
Why Proper Training Makes All the Difference to Your Bottom Line

Everybody has questions the first day on the job. Likewise, bank and credit union employees will certainly have questions when you launch a new overdraft program. You’ll want to be able to answer these questions accurately so they are well-equipped to communicate information to your account holders, thus building trust and fostering a relationship. Learn about the value of proper training in this situation, and why it may not cost you any extra money to provide thorough and ongoing training—but it could greatly improve your bottom line. 

Read more
Proactive Measures Today Lead to Greater Success Tomorrow
As regulators continue to study overdraft programs and finalize plans to test new consumer disclosure prototypes, many banks and credit unions have chosen to put upgrading their existing overdraft offering on the back burner. Discover why now is the perfect time to proactively align with the most accurate overdraft guidance and best practices, or upgrade a non-disclosed program to a transparent solution. You’ll see how a fully compliant overdraft program can help you avoid regulatory scrutiny and experience positive results for your institution and your account holders.

Read more
RSS
1234567
account holder account holder retention account holder strategies account holders announcement Bank of Pacific banks batching best practices board governance board member board of directors bottom line branch profitability branding Bryan Hanks budget business culture business environment business strategies career advice Case Study CEO onboarding CFPB Charles Shanley Cheryl Lawson communications Compliance compliance examinations compliance risks Consumer FInancial Protection Bureau Contract Optimizer Contract Renegotiations contract review contract staffing corporate culture corporate governance CPE credits credit card contracts credit cards credit unions CSS culture customer service Darin Byrd debit card contracts digital directors economy efficiency studies employee employee retention employees EMV migration evaluation executive search expense management expense reduction expense studies expenses Federal Reserve Board fees financial services financial stability Floyd's Forum full disclosure Generating Income generating leads generation governance government hiring HR HR Consulting HR policies human capital human resources income income enhancement interview strategies interview tips IT contracts Jan Southern Jennifer Peoples JMFA Academy JMFA clients JMFA News job search John M. Floyd Keith Hughey Kelly Flynn Kim Kreps leaders leadership lending program loans management Mark Roe marketing Midwest Region Millennial Missouri NCUA negotiating contracts Net Operating Analysis NOA Non-Interest Income Oliver Ireland onboarding Organizational Health outsourcing overdraft coverage overdraft fees overdraft practices Overdraft Privilege overdraft program Overdraft programs overdraft protection programs overdraft strategy overdrafts payday loans Pennsylvania performance improvement personnel planning Press Release process improvement product profitability Profitability Improvement project staffing Recruiting Recruitment Services recruitment strategies re-engineering regional director regulations regulators regulatory revenue revenue enhancement Richard Miller ROI Ron Jennings senate service agreements shareholders social media staff staff development staffing staffing gaps staffing studies staffing study stakeholders Strategic Planning Succession plan succession planning Susan Prell talent technology technology costs technology utilization temporary staff Tim Strandquist training UDAAP vendors Washington Westmoreland Community FCU