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Semi-Monthly Payments

Posted on January 30, 2018

Lenders Aiming to Serve Their Customers Using Semi-Monthly Payment Products May Encounter Implementation Challenges. Regulations provide general guidance (not specifics) regarding calculations…

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Military APR – FAQ

Posted on January 30, 2018

MILITARY LENDING ACT FAQ - Common Questions About the Military Lending Act and the MAPR Calculation

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Lenders Riding a Regulatory Rollercoaster

Posted on December 15, 2017

When the Dodd-Frank Wall Street Reform and Consumer Protect Act (Dodd-Frank) was passed on July 21, 2010, every U.S. financial organization or other lending entity offering products to consumers were mandated to abide by to new regulatory compliance rules and policies.

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The Common Denominator

Posted on October 14, 2016

Regardless of the medium or vehicle for the transference of data, there is one essential property to every credit transaction that never changes, "the numbers."

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It's Not Just the Rate...

Posted on July 11, 2016

It’s Not Just the Rate... By: Jeff Buysse At Carleton, we spend a lot of time and focus on helping our partner lenders stay compliant in the area of the maximum state finance charge that is ...

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Military APR Changes on the Horizon

Posted on May 18, 2016

Military APR Changes on the Horizon Carleton announces the July release of the latest CarletonCalcs® Origination module to support the changes identified in the 2015 amendment of the Military Lend...

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How "Clean" is That Portfolio?

Posted on April 25, 2016

How “Clean” is that Portfolio? An industry trend of the steadily increasing pace of regulation and the resulting volume of requirements is placing a great deal of pressure on an already stresse...

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Credit Insurance on the Move!

Posted on January 15, 2016

Credit Insurance Rates on the Move! Entering into 2016, three states published prima facie credit insurance rates will be changing.  Specifically, Colorado, Nebraska, and Virginia promulgate new...

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APRWin is Not Infallible!

Posted on August 27, 2014

APRWin is Not Infallible! By: Joe Discenza APRWin, from the Office of the Comptroller of the Currency, is a mainstay in compliance circles.  It is a great tool, and, like nearly every fie...

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The Actuarial Method - Beware the Compounding

Posted on April 24, 2014

The Actuarial Method - Beware the Compounding During a recent training session for a group of newer employees  (fairly new by Carleton standards, since our average tenure is approximat...

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