15SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Miriam De Dios Woodward Miriam De Dios Woodward is the CEO of PolicyWorks, LLC. She also serves as Senior Vice President of AMC, the holding company of the Iowa Credit Union League and parent … Web: https://www.policyworksllc.com Details As credit unions increasingly embrace diversity, equity, and inclusion (DEI) initiatives and seek to better represent and serve their ever-changing communities, understanding the regulatory components that touch such initiatives is an important starting place.For example, laws such as the Equal Employment Opportunity (EEOA) and Equal Credit Opportunity (ECOA) acts outline baseline requirements for employers and financial services organizations to follow to ensure equal treatment regardless of ethnicity, national origin, gender and other protected classes. Viewed from a different perspective, these laws provide the baseline for inclusivity in hiring and lending. While the EEOA speaks to the area of human resources, which is a robust area in and of itself, let’s focus on DEI from a membership standpoint. Certainly, few if any credit unions today consciously or actively discriminate against particular groups based on national origin, race, religion, or other criteria. But inclusion involves more than mere non-discrimination. It means proactively reaching out to underrepresented groups, understanding their needs, and striving to meet those needs through the credit union’s products and services in a compliant manner.Adjusting Products and ServicesCredit unions, like all organizations, have to make business decisions on a variety of matters every day. One such business decision could be expanding their services to underrepresented groups. A way to ensure the credit union is addressing the community at large is to consider the changing demographics in its membership area and aligning account opening and lending practices accordingly. If the credit union is serving immigrant groups for example, this may require an update to a member identification program, lending policies and procedures, in order to be inclusive of all.End-to-end MindfulnessIt is important to keep the needs of the target community in mind from end-to-end, all the way from advertising to member service on the front-line. For example, if a credit union advertises its services on its website or elsewhere in a language other than English, be sure to have employees available to speak to members in that other language. This will not only make non-English speaking members more comfortable working with the credit union and can reduce misconceptions or misunderstandings among non-English speaking members, this will help you avoid any potential UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices) violations and overall will avoid misleading members into thinking you offer services in another language if in fact you don’tIf you are going to provide materials in another language, a translation strategy is also important to ensure all relevant information is accurately translated, leaving no room for misunderstandings. Because there can be many ways to translate a word or phrase from one language to another, it is important to seek experts who not only understand the native language being translated to, but also understand financial and credit union terminology for any required translation work. Accuracy, consistency, and relevancy are important in translations. Avoid using Google Translate for something this important and seek outside consultants, if necessary, to assist. Going Beyond Traditional ApproachesServing diverse population groups is part of the credit union creed. While there are always regulations to consider, there are also many opportunities to grow credit union membership by tailoring products and services to specific needs of the membership base.Serving people with non-traditional forms of identification, such as a consulate card, is one example of new membership a credit union could be serving. By expanding services to include underserved members and updating the credit union’s member identification policy and procedures to include non-traditional forms of identification, you do not have to turn down membership. The IRS’s Individual Taxpayer Identification Number (ITIN), which is a taxpayer identification number that some immigrants may have, is a valid taxpayer identification number that credit unions can accept to lend and open interest-bearing accounts. Another opportunity to be inclusive in lending is through the underwriting process. Members without traditional credit histories may not have the traditional forms of documentation you seek to verify credit, however, this does not mean that they have not established credit. The credit they have established however may be found in non-traditional sources such as alternate payment data, including that found in paying recurring bills such as utilities, or rent. While this likely would not alter your lending policy, it would require a change in underwriting procedures to ensure your requirements list is as inclusive as possible. This would apply for anyone seeking a loan at your credit union, whether it’s a young college student or a recent immigrant. To achieve success in DEI initiatives you need to go beyond meeting the regulations. The regulations provide a baseline framework, however, it takes initiative and a commitment to ensure you go beyond what’s required to what’s needed in your communities.
To access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week. Would you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletters
England midfielder Frank Lampard has retired from international football after winning 106 caps.The 36-year-old was released by Chelsea in May after 13 years at the London club and he signed for New York City before agreeing to move to Manchester City on a six-month loan deal.Lampard scored 29 goals for England and captained the team in their last group match against Costa Rica at this year’s World Cup in Brazil.”I have taken the decision to retire from international football,” he said in a statement on Tuesday.”It has been a very tough decision for me to make which is why I have given it so much thought since the World Cup. I have always been exceptionally proud and honoured to represent my country and have to say looking back I have enjoyed every minute of wearing the England shirt.”Lampard said it was time put his family first given that he was soon to be playing in the United States. “Also, to concentrate on how I can perform consistently to the best of my abilities over my next few years in club football,” he added.”It is now the time to move forward and I feel very confident that with Roy Hodgson in charge, the young players that we have coming through, and the changes that are being made throughout the development of the youth system in this country, that we will have success in the future and a team that this country deserves.”England captain Steven Gerrard ended his long international career last month.Lampard made his international debut against Belgium in 1999, going on to play at three World Cups and two European Championships.He make headlines at the 2010 World Cup in South Africa when he had a goal wrongly disallowed in a second-round clash with Germany, a match England went on to lose 4-1.
The Sumner County Sheriff weekly bookings into the Sumner County jail for May 19 to May 26, 2014 are as follows:Â Rayburn, Bobbie L.61Perth, Ks.2022 E. 16th, Wellington Ks.WPDCity of Derby Warrant (F.T.A.)5/20/14 Baker, Jason W.34Wellington, Ks.274 W. Dexter, Wellington Ks.WPDCriminal Damage to Property5/24/14 Stangl, Christopher38Wellington, Ks.501 N. Washington, Wellington KS.SUSOProbation Violation5/19/14 Hicks, Billy J59Levelland, TX600 S Washington Wellington, KSSUSOCriminal Trespass5/22/14 Banister, Nathan T.52Wellington, Ks.501 N. Washington, Wellington KS.SUSOContempt (Child Support)5/20/14 Lea, Anbthony T.29Wellington, Ks.610 E. Hillside, Wellington Ks.SUSOServe Sentence5/23/14 Swank, Paige19Wichita, Ks.1200 E US166 Gueda Springs KsSUSODriving while suspended and possession of opiate5/24/14 Rice, Shawn David30Adrian, MILenawee County Jail, Adrian, MISUSOProbation Violation; DWS; Fleeing or attempting to elude; Criminal deprivation of property; Stalking; Criminal Threat5/21/14 Brown, Dustin A26Wellington, Ks.1111 E Harvey Wellington, KSWPDDomestic Battery, Disorderly Conduct5/22/14 Wilson, Chelsi L.26Mayfield, Ks610 E. Hillside, Wellington Ks.SUSOServing Sentence 48 Hours5/25/14 Dawson, Derek A.26Wellington, Ks.LincolnÂ & WashingtonWPDDriving under the influence.5/25/14 Monday 0600Â toÂ Monday 0600Â Â WEEKLYÂ Â BOOKINGSÂ 5/19/2014 thru 5/26/2014 Gile, Brian35Derby, KsSGCO JailSUSOProbation Violation5/22/14 Washington, Michael W. Jr.38Wellington, Ks.1820 E. 16th, Wellington, KS.WPDSedgwick County warrant5/20/14 Hutton, Denise54Wichita, Ks.I-35, mp 33 Mulvane KsSUSODriving While Suspended5/19/14 Hughes, Rayshon T.27Wichita, Ks.610 E. Hillside, Wellington Ks.SUSOServe Sentence 48 Hours5/23/14 Schulz, Charles D56Wellington, Ks.508 E Lincoln Wellington, KSWPDWarrant Arrest- Distribute Herion, Possession of Drug Paraphernalia5/21/14 Rayl, Thornton L47Wellington, Ks.703 E Lincoln, Wellington KSSUSOWarrant- PV5/22/14 Cornejo, Savannah M19Wellington, Ks.Dollar generalWPDTheft5/22/14 NameAgeAddressArrest locationAgencyChargesArrest date Golden, Austin L.18Augusta, Ks.Butler CountyÂ Detention FacilitySUSOProbation Violation5/23/14 Araujo, Previn J.42Wichita, Ks.Sedgwick County JailSUSOFailure to Appear5/23/14 Lippincott, Cabriel A.36Wellington, Ks.I-35. mp 21,KHPPedestrian Under the Influence5/24/14 Burnett, Jesse32Wellington, Ks.SGCO JailSUSOArrest and Detain5/22/14 Wood, Christopher, A33Wellington, Ks.B and 15th, Wellington KSWPDDriving While Suspended5/21/14 Pitcher, Robert24Tulsa OkI35 MPKHPDriving under the influence, Driving while suspended, No liability insurance5/23/14 Ledesma, J’Lynn23Wellington, Ks.610 E. Hillside, Wellington Ks.WPDServing Sentence 48 Hours5/24/14 Williams, Denelious27Wichita, Ks.1200 E US166 Gueda Springs KsSUSOPossession of paraphernalia, Distribution of narcotics, No tax stamp5/24/14 Murry, Jonathan M.25Arkansas City, Ks.I-35, mp 16 Wellington, KsKHPDriving while suspended and No proof of Insurance5/25/14 McCulley, Jennine22Wellington, Ks.700 S Drury Road South Haven, KsSUSODomestic Battery.5/25/14