PayThink

These examples are just a small sampling of the work we do for you and the movement. The Foundation's mission is to be a catalyst to improve people's financial lives through credit unions. Our work centers around helping you — credit unions — help your members be financially capable.

As credit union flock to Washington this week for CUNA's Governmental Affairs Conference, the focus will be on national politics. But there's plenty of internal politics to discuss, as well.

A new service from Cardtronics asks consumers to pay up to $10 a month for unlimited access to 5,000 of the company's ATMs. That may not sound like a great deal — but it could have a lot of appeal among people who make use of alternative financial services.

Mobile malware has become easier for criminals to deploy, circumventing all antivirus and firewall solutions, as these viruses are delivered in the form of trusted applications we all install and can lead to m-commerce vulnerabilities.

The subprime consumer lending business is booming. But lenders that think they have the risk-based pricing model figured out may be in for a rude awakening.

When the government owns banks, lending decisions tend to be driven by politics rather than economics. Resources flow to those with influence and banks under-price risk in order to appeal to voters. That's bad news for everyone.

As a bank customer, I am trained to avoid fees at all costs. I diligently maintain a minimum balance in my accounts, pay my credit card bills weeks ahead of time and plan my day around getting to a bank-owned ATM to avoid surcharges.

A recent CFPB enforcement action shows that lenders must not only avoid misleading statements, but anything in connection with their advertising that may have the likelihood of significantly confusing consumers.

The Financial Stability Board’s proposed capital and long-term debt requirements would only go part of the way toward ending the risk of government bailouts. If regulators really want to get rid of too big to fail, they need to deal with over-the-counter derivatives market.

Instead of treating the migration to chip as solely a matter of compliance, many smart companies are using the technological disruption caused by EMV as a catalyst for positive change.