January 2024

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Your core is a major investment for your financial institution. A strong core helps your financial institution compete. If your core no longer keeps up with your bank’s needs, here are six things to consider to help you run with the big dogs: Reliable PerformanceMoney makes the world go round, and at the center of

In the world of financial lending, institutions need to have multiple checks and balances in place to protect their assets, their customers, and the future of their organization. Sadly, some individuals try to use our fair nature against us for deceptive gain. Efforts to obtain funding through fraudulent means can often be recognized during the

2024 January 30 Memberships Renewals Due February 9 MIB Board MeetingGreat Northern Hotel Helena, MT March 14-17 ICBA LiveOrlando, FL April 10 MIB Spring Board MeetingFirebrand HotelWhitefish, MT April 28-May 1 Capital SummitWashington, D.C. July 17-19 Convention and Trade ShowHilton Garden InnMissoula, MT September 14 Griz vs. Morehead State TailgateMissoula, MT October 2-3 Women in

There are changes that arrived with the new year of 2024 to Home Mortgage Disclosure Act (HMDA) compliance for banks and thrifts in many areas. No, the Consumer Financial Protection Bureau (CFPB) is not repealing Regulation C or adding more detail to the required data we collect and report. The existing rule is still in

We all have faced this dilemma. I have a small “ding” in my car. Should I file a claim with my insurance company or not? If I file a claim, will I see a significant premium increase at my next renewal? Cyber Insurance is Different Let us take a ransomware situation as an example. Your

A business-purpose loan is not reportable unless for the purchase of a dwelling, the refinancing of a dwelling or the improvement of a dwelling. Young & Associates provides banks and thrifts with support for their compliance programs, independent reviews, and in-bank training, as well as a full menu of management consulting, loan review, IT consulting

As we have navigated the holiday season and hopefully had some time to wrap up some gifts as well as a successful 2023, let’s now spend a few minutes looking into pockets of relative value in the bond market. To get there, we should remind ourselves of the vagaries and ironies of fixed-income investing. In