Home2015July 2015 - Young & Associates, Inc.

By: Bill Elliott, CRCM, Senior Consultant and Manager of Compliance The new Integrated Disclosures will be upon us in a few short months and will create some unique difficulties for financial institutions. In the distant past, creditors gave the applicants a Good Faith Estimate. However, the United States Department of Housing and Urban Development (HUD)...

By: Mike Detrow, CISSP, Senior Consultant and Manager of IT The FFIEC has emphasized the importance of reviewing user access granted within all of the IT systems in use at a financial institution, including but not limited to: the network operating system (Active Directory®), core processing system, new account and lending platforms, document imaging system,...

By: Mike Detrow, CISSP, Senior Consultant and Manager of IT We are seeing financial institutions continue to expand their use of VOIP (Voice Over Internet Protocol) to reduce expenses and increase efficiencies for voice communications. VOIP is a technology that refers to transmitting voice communications over the internet, LAN (Local Area Network), or WAN (Wide...

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