8SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Dealing with regulatory changes is like wrestling with the ocean. Every time you manage to come up for air after one wave, another is coming over the horizon. For most of the past two years, the focus for credit union mortgage compliance executives has been on getting ready for the TILA/RESPA integrated disclosures or “TRID” that finally went live in early October.And yet just as the ocean’s waves keep pounding, not two weeks after the TILA-REPSA rules went into effect, the Consumer Financial Protection Bureau introduced one more major regulatory change: the revised Home Mortgage Disclosure Act.A Data-Focused ReformUnlike the recent reforms for TRID, qualified mortgage and other new regulations, the HMDA revisions will have less impact on direct workflow and operations, and a heavier impact on data collection and reporting.Beginning Jan. 1, 2018, the collected HMDA data elements will double, with 40 new fields required to be collected during the application process and reported to the agencies each year. These new data elements include almost all primary fields that are important to most credit decisions including: continue reading »
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Senior middle blocker Jasmine Gross picked up a team-high eight blocks in USC’s tough loss against UCLA Wednesday. (Sinead Chang | Daily Trojan) The team struggled to serve effectively all match, piling up 21 service errors. While the Trojans also struggled to communicate, senior middle blocker Jasmine Gross found a silver lining in their ability to nearly pull out a victory despite not playing their best game. The Trojans came out of the gate firing on all cylinders. They executed kill opportunities and played effective defense, taking the first set by a wide margin of 25-12. “Volleyball is a fun sport and I don’t think people really understand,” Gross said. “It would be amazing if people could come support us … the crowd obviously helps a lot. The Trojans picked up a hard-fought 3-2 victory the last time the two teams matched up, and USC is 65-22 all-time against the Wildcats. However, USC is still getting back into its rhythm after injuries disrupted the start of its season, and the Wildcats have opened the year on fire. “We think we’re a better team than what we showed tonight, and I don’t think we’re lacking in confidence,” he said. The fourth set was an entirely different story as USC appeared to get its rhythm and chemistry back. A back-and-forth frame ultimately ended in the Trojans’ favor, 28-26, with the help of strong kills and key defensive stops. Despite serving first in the fifth set, the Trojans struggled. UCLA’s offense took off and USC had a hard time slowing it down. After finding themselves stuck with an early deficit, the Trojans started mounting a comeback, but the hole proved too deep. They lost the final set 15-12 and the match 3-2. Though USC lost in its first Pac-12 game of the season, head coach Brent Crouch said after the game that he isn’t worried about his team in the long run. The second set was a different story. The Bruins jumped out to an early 4-point lead, and service errors helped cause the Trojans’ comeback attempt to fall short. “It’s cool because we have so much to improve and we were still so close,” Gross said. “So I think if we keep working everyday in practice [and] just on those little minor adjustments … if we clean up the tiny little things then you can prevent that from happening.” The USC women’s volleyball team took a tough five-set loss to UCLA Wednesday at Pauley Pavilion. After jumping out to an early 1-0 set lead, the Trojans had given it up and trailed 2-1. The third set didn’t go quite as USC planned, either. The Trojans struggled to find their rhythm and, like the rest of the game, were plagued by service errors. Sophomore setter Raquel Lázaro led an inspired comeback effort by diving all over the floor on defense, but it wasn’t enough. Arizona has a strong defense that has tallied 606 digs this season in addition to 33 solo blocks. The Trojans hope for a packed Galen Center in their second home conference game of the season. USC’s schedule doesn’t get any easier from here. Gross and Crouch both agreed that the team will need to execute much better to take down 10-2 Arizona on Saturday. The Trojans enter the match a perfect 3-0 at home this year and hope to extend this streak starting Saturday at 7 p.m.