Compliance: Pulling credit reports for cross-selling purposes

first_imgCUNA’s compliance staff has received questions about what the Fair Credit Reporting Act (FCRA) says about credit unions being allowed to pull credit reports for cross-selling purposes. According to compliance staff, credit unions are not allowed to do so, with one limited exception.Credit reports only can be obtained if the user has a “permissible purpose,” as defined the FCRA, and a credit report cannot be obtained for a permissible purpose (in connection with a loan application) and then used for an impermissible one (cross-selling additional products and services).Section 604(a) of the FCRA allows a credit bureau to release a consumer report to a credit union when authorized in writing by the consumer to whom the report relates, or when the credit bureau has reason to believe that the credit union intends to use the information: continue reading » 5SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

La Administración Wolf Ofrece Recomendaciones para Deportes Juveniles Escolares y Recreativos

first_img August 06, 2020 Education,  Español,  Press Release,  Public Health El Departamento de Salud y el Departamento de Educación de Pennsylvania recomendaron hoy conjuntamente que los deportes juveniles escolares y recreativos de Pre-K a 12 se pospongan hasta al menos el 1 de enero de 2021, para proteger a los niños y adolescentes de COVID-19.La administración está proporcionando esta recomendación fuerte y no una orden o mandato. Al igual que al decidir si los estudiantes deben regresar a clases presenciales, aprendizaje remoto o una combinación de ambos este otoño, los administradores escolares y las juntas escolares elegidas localmente deben tomar decisiones sobre deportes.Aspectos destacados de la recomendación de hacer una pausa de los deportes juveniles hasta el 1 de enero de 2021:Se aplica a deportes recreativos juveniles en equipo e individuales, escolares y no escolares;Incluye competiciones, juegos intramuros y juegos de práctica;Continuar el acondicionamiento, ejercicios y otras actividades de capacitación de forma individual;No se aplica a deportes universitarios y profesionales;Los límites de reunión permanecen sin cambios: no se pueden reunir más de 25 personas en el interior y 250 en el exterior.La administración está actualizando la guía deportiva existente para reflejar esta recomendación.La administración reconoce la importancia de que los niños regresen a la escuela, al tiempo que protege la seguridad y el bienestar de los estudiantes y educadores. Guía para las escuelas está disponible. La guía representa las mejores prácticas de salud pública respaldadas relacionadas con el distanciamiento social, los revestimientos faciales, la higiene de manos y la limpieza y desinfección en entornos escolares. También describe cómo acomodar a personas con discapacidades o afecciones crónicas, procedimientos para controlar los síntomas y responder a casos confirmados o probables de COVID-19 en la comunidad escolar.View this information in English. La Administración Wolf Ofrece Recomendaciones para Deportes Juveniles Escolares y Recreativoscenter_img SHARE Email Facebook Twitterlast_img read more

Man City surge on, United sink Spurs to stay second

first_imgCOMPLETE CONTROLThough Jay Rodriguez equalised quickly, City were in complete control once Fernandinho’s deflected effort put them ahead after 15 minutes.Substitute Sterling scored his ninth of the season in all competitions four minutes after coming with City’s only late moment of concern en route to a 13th straight win coming when careless defending from Nicolas Otamendi let in Matty Phillips for a consolation.City’s 28 points equalled the tally accrued by Chelsea in 2005 and Manchester City themselves in 2011 – and both those sides went on to win the title – but neither of those teams could match the plus-29 goal difference of Guardiola’s charges.The manager reserved special praise for Sane, describing him as a “special talent” after City extended their unbeaten record in all competitions to a club record 21.Mourinho hailed United’s win in difficult windy and rainy conditions in the lunchtime fixture between the second and third-placed teams as “deserved” after they had created the lion’s share of chances.Martial struck 10 minutes after coming on, latching on to Lukaku’s flicked header from David de Gea’s goalkick.It was a scruffy left-foot finish from the Frenchman, leaving Mourinho to smile: “Martial scores with a bad shot — but the bad shots can be the most beautiful.”Wenger was in bullish mood after Arsenal’s win, saying the Gunners had proved their critics wrong by overturning a lead for a third time in a week.“Again we have showed the mental strength to come back and win the game,” said Wenger, now just 10 matches short of former Manchester United boss Alex Ferguson’s landmark of 810 Premier League matches as manager. LONDON (Reuters) – Manchester City maintained their charge towards the Premier League title with a 3-2 win at West Bromwich Albion as Manchester United kept within five points of their neighbours with a 1-0 win over Tottenham Hotspur on Saturday.Goals from Leroy Sane, Fernandinho and Raheem Sterling moved the leaders on to 28 points – equalling the best return after 10 matches of a Premier League season – as irresistible City took their campaign’s tally of league goals to a remarkable 35.Earlier, Jose Mourinho received the response he had demanded from his United side following their humbling defeat at Huddersfield Town as an 81st-minute goal from substitute Anthony Martial preserved their perfect home record.The win, their sixth straight victory in the league at Old Trafford without conceding a goal, moved United on to 23 points, three clear of Spurs as champions Chelsea and Arsenal both marched to within a point of their London rivals.Chelsea boss Antonio Conte, who had shown unusual irritation last week when asked about stories linking compatriot Carlo Ancelotti with his job, seemed rather happier after Eden Hazard’s 51st minute goal earned his side a 1-0 win in the late game at Bournemouth to maintain their fourth spot.Arsene Wenger celebrated a successful 800th Premier League match in charge as Arsenal fought from one down to beat Swansea City 2-1 with second-half goals from Sead Kolasinac and Aaron Ramsey.Liverpool’s Juergen Klopp got the better of his best friend, Huddersfield boss David Wagner, in a 3-0 win at Anfield where second-half strikes from Daniel Sturridge, Roberto Firmino and Georginio Wijnaldum pushed the Reds to sixth on 16 points.Watford’s giddy ascent, though, was checked with a 1-0 home defeat by struggling Stoke City – Darren Fletcher hit the target in the 16th minute – that dropped them to seventh on 15.At the other end of the table, Crystal Palace escaped with an astonishing 2-2 draw with West Ham United, coming back from two down and earning a draw in the seventh minute of stoppage time through Wilfried Zaha.Pep Guardiola’s Man City continue to look unstoppable at domestic level, having opened up in brilliant fashion with Sane scoring his sixth goal in seven league games after 10 minutes. By Ian Chadbandlast_img read more