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www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/White House press secretary Karoline Leavitt defended the firings, saying, “President Trump is the chief executive of the executive branch and reserves the right to fire anyone he wants.”Warren:“President Trump just fired two Board Members at the National Credit Union Administration in his continued attack on American consumers. This is the latest attempt by Trump to skirt the rule of law, undermine independent agencies, and illegally purge the government of those who work for the American people.”
Thinking at the Speed of Bias: How to Shift Our Unconscious Filters by Sara Taylor Amazon.com Deepseeconsulting.com A practical guide to tackling unconscious bias in a polarized world. Learn to recognize your unconscious bias and create positive change. Respected DEI expert Sara Taylor presents a down-to-earth guide on how to tackle unconscious biases and foster true equity in our rapidly changing world. Through relatable examples and practical strategies, readers learn to deliberately slow down their thought processes and become aware of their filters in various situations. Taylor encourages readers to question their own assumptions by asking, "Do I know that what I'm thinking is actually true?" and "Why might I be reacting this way?" The book demonstrates the importance of a clear set of competencies, skills, and strategies for addressing unconscious bias. By developing a culturally competent mindset and using a shared, holistic language to discuss these issues, readers gain the tools to understand, discuss, and implement change both at home and in the workplace. This approach avoids blame or shame, making it accessible and empowering for everyone. The book's insights extend beyond individuals; it demonstrates how organizations can scale up cultural competence to transform their structures and systems. With a strong sense of hope, readers are empowered to make a difference, creating a more just and equitable world for all. About the author Diversity and inclusion strategist, renowned for her visionary work in culture competence, nationally recognized speaker, and bestselling author Sara Taylor is dedicated to changing the world through the workplace by making organizations across the globe more effective and inclusive and their leaders more culturally competent. She founded deepSEE Consulting in 2002 to provide insightful consulting and strategic diversity training, paired with measurement tools to build individual and organizational cultural competence. In her deepSEE Consulting role as President, Sara has worked with hundreds of national and global companies and their executives, including Chief Diversity Officers, Organizational Development and HR leaders as well as staff at all levels throughout the organization. She helps them to understand the full complexities of today's diverse workforce and to build the competencies necessary to create inclusion and equity. Her clients over the years have included reputable companies such as Walmart, 3M Company, AARP, Cleveland Foundation, Coca-Cola, Marriott International, General Mills, United Way Worldwide, National Credit Union Administration, Ingersol-Rand, Seagate Technologies, Thompson Reuters, Thrivent Financial, among others. Prior to deepSEE Consulting, Sara was the Director of Diversity and Inclusion for Ramsey County, Minnesota, where she established a new department to lead D&I efforts for 5,000 employees. She began her career as a Leadership and Diversity Specialist at the University of Minnesota, where she developed state-wide diversity and leadership programs, created and managed a grant program to fund community-based diversity initiatives, and directed the activities of diversity and leadership educators. Sara's forthcoming book, Thinking at the Speed of Bias: How to Shift Our Unconscious Filters (Berrett-Koehler), helps individuals tackle their unconscious bias and empower organizations to scale cultural competence to transform their structural and systematic landscapes to become more effective and equitable. She previously authored the 2017 bestselling book Filter Shift: How Effective People See the World, which is used by numerous individuals and organizations across the globe to increase success and create greater effectiveness. She has been an active member of the Society of Human Resource Management, Twin Cities Diversity, Equity and Inclusion Practitioners, Human Resource Professionals of Minnesota,
Steve says Monday was the best day for the Trump campaign in the last month and why it needs to be repeated every day till November. Then, Alvin Lui from Courage Is a Habit joins the program to discuss the evil policies on gender ideology that Minnesota Gov. Tim Walz has put into place during his tenure. In Hour Two, Idolatry or Not examines a meme posted by X owner Elon Musk. Pop Culture Tuesday wonders if, finally, Disney has learned any lessons. American Christian Credit Union: America's Christian Credit Union is federally insured by the National Credit Union Administration. Find America's Christian Credit Union at Americas ChristianCU.com/SWITCH. Learn more about your ad choices. Visit megaphone.fm/adchoices
In today's episode, we sit down with Alisa Childers, author of “The Deconstruction of Christianity: What it is, Why it's Destructive, and How to Respond.” We delve into the 'deconstruction' movement and its growing influence in churches across the nation. What exactly is deconstruction, and should we be worried about it? Alisa also sheds light on the differences between conservative and progressive Christians and offers practical advice for those who have loved ones deconstructing their faith. Learn how to guide them back to the Gospel in this insightful conversation. Get your tickets for Share the Arrows: https://www.sharethearrows.com/ Pre-order Allie's new book: https://a.co/d/4COtBxy Order Alisa Childers's book “The Deconstruction of Christianity” : https://www.amazon.com/dp/149647497X?k=the%20deconstruction%20of%20christianity%20alisa%20childers&ref_=nb_sb_ss_w_scx-ent-pd-bk-d_l_k0_1_9&crid=10ZLD8OM8PPNU&sprefix=the%20decon --- Timecodes: (01:00) Introduction (03:00) “The Deconstruction of Christianity” (07:00) How does deconstruction start in faith (11:50) LGBQT (21:00) Lies of deconstructionists (24:00) Political claims from deconstructionists (29:00) Conservative Christians vs Progressive Christians (32:00) Critical Theory (35:00) Progressive Christians embracing trans ideology (38:00) Empire Theology (41:00) How to spot deconstruction in the church (44:00) How to navigate a relationship with a deconstructionist --- Today's Sponsors: My Patriot Supply — prepare yourself for anything with long-term emergency food storage. Get your new, lower-price Emergency Food Kit at PrepareWithAllie.com. Save $200 on your 3-month food supply plus free shipping. Patriot Mobile — go to PatriotMobile.com/ALLIE or call 972-PATRIOT and use promo code 'ALLIE' for a free month of service! EveryLife — the only premium baby brand that is unapologetically pro-life. EveryLife offers high-performing, supremely soft diapers and wipes that protect and celebrate every precious life. Head to EveryLife.com and use promo code ALLIE10 to get 10% of your first order today! America's Christian Credit Union - nationwide personal and business banking for people who still love God and country. ACCU is federally insured by the National Credit Union Administration. Learn more and get started at AmericasChristianCU.com/SWITCH --- Relevant Episodes: Ep 342 | Leaving Progressivism for Biblical Christianity | Guest: Alisa Childers https://podcasts.apple.com/us/podcast/ep-342-leaving-progressivism-for-biblical-christianity/id1359249098?i=1000503302608 Ep 854 | Another '90s Christian Artist Deconstructs & Does Drag (123) https://podcasts.apple.com/us/podcast/ep-854-another-90s-christian-artist-deconstructs-does-drag/id1359249098?i=1000624081297 Ep 413 | The Dead End of Deconstruction | Guest: Alisa Childers https://podcasts.apple.com/us/podcast/ep-413-the-dead-end-of-deconstruction-guest-alisa-childers/id1359249098?i=1000519848554 Ep 981 | “Doubt Your Doubts:” Resisting the Lies of Deconstruction | Guest: Paul Pitts III https://podcasts.apple.com/us/podcast/ep-981-doubt-your-doubts-resisting-the-lies/id1359249098?i=1000651814715 Ep 920 | Russell Moore, David French & the Fake Threat of Christian Nationalism | Guest: John Cooper https://podcasts.apple.com/us/podcast/ep-920-russell-moore-david-french-the-fake-threat/id1359249098?i=1000638231068 --- Buy Allie's book, You're Not Enough (& That's Okay): Escaping the Toxic Culture of Self-Love: https://alliebethstuckey.com/book Relatable merchandise – use promo code 'ALLIE10' for a discount: https://shop.blazemedia.com/collections/allie-stuckey Learn more about your ad choices. Visit megaphone.fm/adchoices
Steve reacts to the definitive dossier about the radical nature of Democrat VP candidate Tim Walz and says the choice this November could not be more clear. Then, Seth Gruber of Clear Truth Media joins the program to talk about the most insidious threat to the church in modern America. In Hour Two, Theology Thursday continues its study of Romans 3. American Christian Credit Union - America's Christian Credit Union is Federally Insured by the National Credit Union Administration. Find America's Christian Credit Union online at Americas ChristianCU.com/SWITCH Learn more about your ad choices. Visit megaphone.fm/adchoices
Steve discusses how two stories should be all the Trump campaign talks about until further notice. Then, attorney Aaron Siri joins the program to discuss what he's discovered regarding childhood vaccines. In Hour Two, Theology Thursday continues its study of Romans. Finally, Steve explains why a man competing against a woman in boxing at the Olympics was always going to be where transgender madness ended up. American Christian Credit Union - America's Christian Credit Union is Federally Insured by the National Credit Union Administration. Find America's Christian Credit Union online at Americas ChristianCU.com/SWITCH Learn more about your ad choices. Visit megaphone.fm/adchoices
Today, we're diving into President Biden's long-awaited farewell speech from the Oval Office. Biden chose to “pass the torch forward,” aiming to unite his party and protect democracy, but he left key questions unanswered about his health and his abrupt decision to step down after pledging to run for another term. How should we respond to Vice President Kamala Harris becoming the presumptive Democratic nominee? We also offer crucial advice for Trump's campaign strategy—discover why targeting Kamala Harris's gender isn't the path to victory. Plus, we'll discuss why JoJo Siwa's take on motherhood misses the mark, TLC stars Zach and Tori Roloff's traumatic experience with Tori's miscarriage and how it has strengthened their pro-life stance, and Elon Musk's recent admission that he considers himself a “cultural Christian.” Get your tickets for Share the Arrows: https://www.sharethearrows.com/ Pre-order Allie's new book: https://a.co/d/4COtBxy --- Timecodes: (00:40) Biden's speech & thoughts on Kamala (19:50) Jojo Siwa's surrogacy plans (28:15) Zach & Tori Roloff's abortion comments (44:25) Elon Musk's interview --- Today's Sponsors: EveryLife — the only premium baby brand that is unapologetically pro-life. EveryLife offers high-performing, supremely soft diapers and wipes that protect and celebrate every precious life. Head to EveryLife.com and use promo code ALLIE10 to get 10% of your first order today! America's Christian Credit Union – nationwide personal and business banking for people who still love God and country. ACCU is federally insured by the National Credit Union Administration. Learn more and get started at AmericasChristianCU.com/SWITCH Patriot Mobile — go to PatriotMobile.com/ALLIE or call 972-PATRIOT and use promo code 'ALLIE' for free activation! Covenant Eyes — protect you and your family from the things you shouldn't be looking at online. Go to coveyes.com/ALLIE to try it FREE for 30 days! --- Relevant Episodes: Ep 933 | DEBATE: Should We Ban Surrogacy? | Guest: Clarkson Lawson https://podcasts.apple.com/us/podcast/ep-933-debate-should-we-ban-surrogacy-guest-clarkson-lawson/id1359249098?i=1000641753151 Ep 919 | No Good Surrogacies: A Surrogacy Baby Speaks Out | Guest: Olivia Maurel https://podcasts.apple.com/us/podcast/ep-919-no-good-surrogacies-a-surrogacy-baby-speaks/id1359249098?i=1000637866783 Ep 552 | "Big Fertility" & the Truth Behind The Surrogacy Industry | Guest: Jennifer Lahl https://podcasts.apple.com/us/podcast/ep-552-big-fertility-the-truth-behind-the/id1359249098?i=1000548511958 Ep 415 | Europe's Migration & Misogyny Problem | Guest: Ayaan Hirsi Ali https://podcasts.apple.com/us/podcast/ep-415-europes-migration-misogyny-problem-guest-ayaan/id1359249098?i=1000520264028 Ep 979 | Atheist Richard Dawkins Begs Christianity to Come Back https://podcasts.apple.com/us/podcast/ep-979-atheist-richard-dawkins-begs-christianity-to/id1359249098?i=1000651348581 Ep 1034 | Trump, Vance, and the New GOP | Guest: Ron Simmons https://podcasts.apple.com/us/podcast/ep-1034-trump-vance-and-the-new-gop-guest-ron-simmons/id1359249098?i=1000662444719 Ep 1033 | Trump Shooting: Conspiracies, Prophecies & the Truth https://podcasts.apple.com/us/podcast/ep-1033-trump-shooting-conspiracies-prophecies-the-truth/id1359249098?i=1000662333269 Ep 1032 | Project 2025: Truth vs. Lies https://podcasts.apple.com/us/podcast/ep-1032-project-2025-truth-vs-lies/id1359249098?i=1000661942041 Ep 1028 | Who Will Replace Joe Biden? | Guest: Ron Simmons https://podcasts.apple.com/us/podcast/ep-1028-who-will-replace-joe-biden-guest-ron-simmons/id1359249098?i=1000660841494 --- Buy Allie's book, You're Not Enough (& That's Okay): Escaping the Toxic Culture of Self-Love: https://alliebethstuckey.com/book Relatable merchandise – use promo code 'ALLIE10' for a discount: https://shop.blazemedia.com/collections/allie-stuckey Learn more about your ad choices. Visit megaphone.fm/adchoices
Today, we're joined by Harrison Tinsley, who recently won full custody of his young son, Sawyer, ensuring his right to raise him in a stable environment free from ideological pressures. Last year, Harrison shared his unbelievable journey, which began with being denied the chance to meet Sawyer until he was over a year old and continued through a contentious four-year custody battle. Harrison highlights the significant ideological differences with Sawyer's mother, who raised him as "non-binary" and posted about his supposed "gender identity," while Sawyer has consistently expressed that he is a boy. Harrison also shares the beautiful love story of meeting his now-wife while discussing his journey with another podcaster. We will also discuss California Governor Gavin Newsom's new bill, which bans school districts from informing parents about their children's sexuality, pronoun use, or gender identities that differ from school records. This controversial bill, the first of its kind in the nation, aims to keep parents uninformed while indoctrinating kids with radical gender ideology. Get your tickets for Share the Arrows: https://www.sharethearrows.com/ Pre-order Allie's new book: https://a.co/d/4COtBxy --- Timecodes: (01:13) Gavin Newsom's awful new bill (08:40) Yaeli Martinez & why this bill is evil (21:04) Harrison Tinsley recap (26:54) Update on custody battle (36:15) CPS reports (38:25) Meeting his wife (46:55) Restraining order --- Today's Sponsors: Patriot Mobile — go to PatriotMobile.com/ALLIE or call 972-PATRIOT and use promo code 'ALLIE' for free activation! My Patriot Supply — prepare yourself for anything with long-term emergency food storage. Get your new, lower-price Emergency Food Kit at PrepareWithAllie.com. EveryLife — the only premium baby brand that is unapologetically pro-life. EveryLife offers high-performing, supremely soft diapers and wipes that protect and celebrate every precious life. Head to EveryLife.com and use promo code ALLIE10 to get 10% of your first order today! America's Christian Credit Union – nationwide personal and business banking for people who still love God and country. ACCU is federally insured by the National Credit Union Administration. Learn more and get started at AmericasChristianCU.com/SWITCH --- Relevant Episodes: Ep 848 | Saving His Son from a 'Non-Binary' Future | Guest: Harrison Tinsley https://podcasts.apple.com/us/podcast/ep-848-saving-his-son-from-a-non-binary-future/id1359249098?i=1000623090048 --- Buy Allie's book, You're Not Enough (& That's Okay): Escaping the Toxic Culture of Self-Love: https://alliebethstuckey.com/book Relatable merchandise – use promo code 'ALLIE10' for a discount: https://shop.blazemedia.com/collections/allie-stuckey Learn more about your ad choices. Visit megaphone.fm/adchoices
Steve discusses how the Democrats are closing in on their goal of replacing Joe Biden, but they're running out of time. Then, Aaron Baer of the Center for Christian Virtue joins the program to make his case for his own Sen. JD Vance being nominated for vice president. In Hour Two, Theology Thursday is a conversation about the church, America, and what time it is. American Christian Credit Union - America's Christian Credit Union is Federally Insured by the National Credit Union Administration. Find America's Christian Credit Union online at Americas ChristianCU.com/SWITCH Learn more about your ad choices. Visit megaphone.fm/adchoices
Steve says we're now at DEFCON 2 when it comes to Operation Joe's Gotta Go, but the Democrat machine's attempts to remove him may not be successful. Then, the team plays a round of Buy, Sell, or Hold on a cornucopia of topics. Finally, Daniel Horowitz of the "Conservative Review" podcast joins the program for another uplifting and inspiring conversation about the state of red America. American Christian Credit Union - America's Christian Credit Union is Federally Insured by the National Credit Union Administration. Find America's Christian Credit Union online at Americas ChristianCU.com/SWITCH Learn more about your ad choices. Visit megaphone.fm/adchoices
Today, we discuss Andy Stanley's controversial sermon and some taboo discussions surrounding Pride parades and LGBTQ culture. Can you be a Christian and a Democrat? Does our political affiliation get us into heaven? How has the Pride movement distorted and strayed from traditional Biblical marriage? And what is the link between LGBTQ culture and pederasty? Get your tickets for Share the Arrows: https://www.sharethearrows.com/ --- Timecodes: (01:10) July 4 & announcements (11:29) Andy Stanley sermon (39:20) Pride Parades (57:30) LGBTQ culture & pederasty --- Today's Sponsors: Seven Weeks Coffee — try Seven Weeks Coffee today at SevenWeeksCoffee.com and use the promo code: ALLIE to save 10% off your order. Jase Medical — get up to a year's worth of many of your prescription medications delivered in advance. Go to JaseMedical.com today and use promo code “ALLIE". Jase Medical — get up to a year's worth of many of your prescription medications delivered in advance. Go to JaseMedical.com today and use promo code “ALLIE". American Christian Credit Union — America's Christian Credit Union is Federally Insured by the National Credit Union Administration. Find America's Christian Credit Union online at AmericasChristianCU.com/SWITCH --- Relevant Episodes: Ep 1013 | Ms. Rachel Uses Jesus to Push Pride https://podcasts.apple.com/us/podcast/ep-1013-ms-rachel-uses-jesus-to-push-pride/id1359249098?i=1000657841626 Ep 1023 | Pride Pullback: Are Companies Backing Down? https://podcasts.apple.com/us/podcast/ep-1023-pride-pullback-are-companies-backing-down/id1359249098?i=1000659673322 Ep 1016 | Time to Ditch Ergobaby https://podcasts.apple.com/us/podcast/ep-1016-time-to-ditch-ergobaby/id1359249098?i=1000658502983 Ep 721 | Covid Jab or Death, Drag Queens or Bust | Guests: Kirk Cameron, Chrissy & Lee Hick https://podcasts.apple.com/us/podcast/ep-721-covid-jab-or-death-drag-queens-or-bust-guests/id1359249098?i=1000589465209 Ep 1029 | Whistleblower Nurse Uncovers “Trans Kid” Medicaid Fraud | Guest: Vanessa Sivadge https://podcasts.apple.com/us/podcast/ep-1029-whistleblower-nurse-uncovers-trans-kid-medicaid/id1359249098?i=1000660952943 Ep 1027 | Rosaria Butterfield Rebukes Seminaries, Dennis Prager Defends Lust https://podcasts.apple.com/us/podcast/ep-1027-rosaria-butterfield-rebukes-seminaries-dennis/id1359249098?i=1000660470974 Ep 859 | Why You Can't Be a Gay Christian | Guest: Dr. Christopher Yuan https://podcasts.apple.com/us/podcast/ep-859-why-you-cant-be-a-gay-christian-guest-dr/id1359249098?i=1000625169321 --- Buy Allie's book, You're Not Enough (& That's Okay): Escaping the Toxic Culture of Self-Love: https://alliebethstuckey.com/book Relatable merchandise – use promo code 'ALLIE10' for a discount: https://shop.blazemedia.com/collections/allie-stuckey Learn more about your ad choices. Visit megaphone.fm/adchoices
Steve and the team discuss an astounding weekend in American politics, with the Democratic Party in full-on civil war. Then, Bob Vander Plaats from the Family Leader shares his take on whether the 25th Amendment should be invoked on Joe Biden. In Hour Two, Pastor Steven Whitlow introduces us to Clear Truth Media and why a rival for the Gospel Coalition and Christianity Today needs to exist. Finally, the team discusses the Supreme Court's Monday ruling, which finds that presidents have absolute immunity for official acts. American Christian Credit Union - America's Christian Credit Union is Federally Insured by the National Credit Union Administration. Find America's Christian Credit Union online at Americas ChristianCU.com/SWITCH Learn more about your ad choices. Visit megaphone.fm/adchoices
Today, we discuss Rosaria Butterfield's recent critique of seminaries that are pushing questionable LGBTQ curriculum and Dennis Prager's comments on lust and masturbation. What is the correct response to same-sex-attracted Christians? And is masturbation a sin? Plus, is it controversial to always let your husband drive? We weigh in on the "passenger princess" trend. Get your tickets for Share the Arrows: https://www.sharethearrows.com/ --- Timecodes: (01:48) Introduction to Rosaria Butterfield (03:43) Rosaria rebukes dissertation (08:00) Nate Collins' history with (16:50) What is Revoice? (27:21) Dennis Prager's comments on lust and masturbation (43:12) "Passenger Princess" trend --- Today's Sponsors: My Patriot Supply — prepare yourself for anything with long-term emergency food storage. Get your new, lower-price Emergency Food Kit at PrepareWithAllie.com. EveryLife — the only premium baby brand that is unapologetically pro-life. EveryLife offers high-performing, supremely soft diapers and wipes that protect and celebrate every precious life. Head to EveryLife.com and use promo code ALLIE10 to get 10% of your first order today! Freedom Project Academy — Take back your child's education at Freedom Project Academy. Right now, save 10% on tuition when you enroll at Freedom For School dot com, that's Freedom F-O-R School dot com. American Christian Credit Union — America's Christian Credit Union is Federally Insured by the National Credit Union Administration. Find America's Christian Credit Union online at AmericasChristianCU.com/SWITCH --- Relevant Episodes: Ep 1017 | Dr. Tony Evans Steps Down Over Secret Sin https://podcasts.apple.com/us/podcast/ep-1017-dr-tony-evans-steps-down-over-secret-sin/id1359249098?i=1000658686225 Ep 960 | Unraveling Cru's Troubling LGBTQ Curriculum https://podcasts.apple.com/us/podcast/ep-960-unraveling-crus-troubling-lgbtq-curriculum/id1359249098?i=1000647583878 Ep 782 | 'Pronoun Hospitality' Is Sin: Rosaria Butterfield's Confession https://podcasts.apple.com/us/podcast/ep-782-pronoun-hospitality-is-sin-rosaria-butterfields/id1359249098?i=1000607404995 Ep 796 | Former Lesbian Activist Calls “Soft” Christians to Repentance | Guest: Rosaria Butterfield https://podcasts.apple.com/us/podcast/ep-796-former-lesbian-activist-calls-soft-christians/id1359249098?i=1000610921016 Ep 1026 | The Secret to Preventing Cancer | Guest: Dr. Leigh Erin Connealy https://podcasts.apple.com/us/podcast/ep-1026-the-secret-to-preventing-cancer-guest-dr/id1359249098?i=1000660354483 Ep 859 | Why You Can't Be a Gay Christian | Guest: Dr. Christopher Yuan https://podcasts.apple.com/us/podcast/ep-859-why-you-cant-be-a-gay-christian-guest-dr/id1359249098?i=1000625169321 Ep 14 | Holy Sexuality with Dr. Christopher Yuan https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000413686629 Ep 582 | How to Share the Gospel with LGBTQ People | Guest: Becket Cook https://podcasts.apple.com/us/podcast/ep-582-how-to-share-the-gospel-with-lgbtq-people/id1359249098?i=1000554125181 --- Buy Allie's book, You're Not Enough (& That's Okay): Escaping the Toxic Culture of Self-Love: https://alliebethstuckey.com/book Relatable merchandise – use promo code 'ALLIE10' for a discount: https://shop.blazemedia.com/collections/allie-stuckey Learn more about your ad choices. Visit megaphone.fm/adchoices
Today, we discuss some good news: less "Pride" merchandise in stores this year. We examine some of the reasons for this development, including the impact of conservative boycotts. Is Christianity really more "intolerant" than progressivism? Are Christians actually imposing their beliefs on others? Or do they just want neutral spaces? Also, the Buffalo Bills sponsored an "inclusive" football league called the NGFFL. And a new proposal in Congress could make women eligible for the draft. We explain why this is a bad idea. Get your tickets for Share the Arrows: https://www.sharethearrows.com/ --- Timecodes: (0:30) Announcements (9:06) Businesses ditch "Pride" merch (30:44) Conservatism in EU (33:36) Brigitte Macron (35:46) Conservative boycotts (50:36) Buffalo Bills sponsor gay football league (55:53) Women added to military draft? --- Today's Sponsors: Patriot Mobile — go to PatriotMobile.com/ALLIE or call 972-PATRIOT and use promo code 'ALLIE' for free activation! EveryLife — the only premium baby brand that is unapologetically pro-life. EveryLife offers high-performing, supremely soft diapers and wipes that protect and celebrate every precious life. Head to EveryLife.com and use promo code ALLIE10 to get 10% of your first order today! American Christian Credit Union — America's Christian Credit Union is Federally Insured by the National Credit Union Administration. Find America's Christian Credit Union online at AmericasChristianCU.com/SWITCH BlazeTV- Subscribe to BlazeTV to get uncensored news and exclusive content. Use code ALLIE at https://BlazeTV.com for $20 off. --- Relevant Episodes: Ep 1013 | Ms. Rachel Uses Jesus to Push Pride https://podcasts.apple.com/us/podcast/ep-1013-ms-rachel-uses-jesus-to-push-pride/id1359249098?i=1000657841626 Ep 1016 | Time to Ditch Ergobaby https://podcasts.apple.com/us/podcast/ep-1016-time-to-ditch-ergobaby/id1359249098?i=1000658502983 Ep 913 | Target Gayifies Christmas https://podcasts.apple.com/us/podcast/ep-913-target-gayifies-christmas/id1359249098?i=1000636829359 Ep 805 | One Year of My Target Boycott (And They're Queerer Than Ever) https://podcasts.apple.com/us/podcast/ep-805-one-year-of-no-target-theyre-worse-than-ever/id1359249098?i=1000613121337 --- Buy Allie's book, You're Not Enough (& That's Okay): Escaping the Toxic Culture of Self-Love: https://alliebethstuckey.com/book Relatable merchandise – use promo code 'ALLIE10' for a discount: https://shop.blazemedia.com/collections/allie-stuckey Learn more about your ad choices. Visit megaphone.fm/adchoices
Today, we sit down with family vloggers Sam and Nia Rader. Back in 2015, this Christian couple's world was turned upside down during a data breach of the infidelity website "Ashley Madison." Because of this breach, names of people who had signed up for the site, seeking to have an affair, became public. Sam's name was included in the leak. The couple then faced an uphill battle as they struggled to heal their marriage, sought true repentance, and dealt with the publicity of their marital struggles. They recently told their story again to Netflix in the streaming company's documentary on the data leak. We ask them to delve into their story and share what they believe Netflix got wrong. Get Sam and Nia's book here: https://www.amazon.com/Sam-Nia-Live-Truth-Restored/dp/B0D4657827 Get your tickets for Share the Arrows: https://www.sharethearrows.com/ --- Timecodes: (01:08) Sam & Nia introduction (03:00) How Sam & Nia went viral (09:35) Signing up for ‘Ashley Madison' (20:20) Getting convicted (26:10) Finding out about the leak (37:28) What happened after the leak (48:00) Nia's feelings & Sam's repentance (52:07) The Bible & divorce (56:05) Netflix's portrayal (01:00:51) Backlash & healing from infidelity (01:07:29) Where to find their book --- Today's Sponsors: My Patriot Supply — prepare yourself for anything with long-term emergency food storage. Get your new, lower-price three month Emergency Food Kit at PrepareWithAllie.com. EveryLife — the only premium baby brand that is unapologetically pro-life. EveryLife offers high-performing, supremely soft diapers and wipes that protect and celebrate every precious life. Head to EveryLife.com and use promo code ALLIE10 to get 10% of your first order today! American Christian Credit Union — America's Christian Credit Union is Federally Insured by the National Credit Union Administration. Find America's Christian Credit Union online at AmericasChristianCU.com/SWITCH Freedom Project Academy — Take back your child's education at Freedom Project Academy. Right now, save 10% on tuition when you enroll at Freedom For School dot com, that's Freedom F-O-R School dot com. --- Relevant Episodes: Ep 957 | How the Gospel Heals Anger, Addiction & Adultery | Guest: Jeff Allen https://podcasts.apple.com/us/podcast/ep-957-how-the-gospel-heals-anger-addiction-adultery/id1359249098?i=1000647135892 Ep 989 | Nickelodeon Has a Predator Problem https://podcasts.apple.com/us/podcast/ep-989-nickelodeon-has-a-predator-problem/id1359249098?i=1000653246789 --- Buy Allie's book, You're Not Enough (& That's Okay): Escaping the Toxic Culture of Self-Love: https://alliebethstuckey.com/book Relatable merchandise – use promo code 'ALLIE10' for a discount: https://shop.blazemedia.com/collections/allie-stuckey Learn more about your ad choices. Visit megaphone.fm/adchoices
Today, we sit down with medical doctor and researcher Dr. Calum Miller to discuss his pro-life conversion, faith journey, what motivates women to have abortions, and how pro-lifers can fight back. What role does the Christian concept of "dying to self" play in choosing the life of the baby? How can pro-lifers convince women of the value of human life and the evil of abortion? What is "abortion colonialism"? And how can the pro-life movement be proactive in fighting abortion worldwide? Find Dr. Miller at: https://calumsblog.com/ https://calummiller.org/ Get your tickets for Share the Arrows: https://www.sharethearrows.com/ --- Timecodes: (02:50) Becoming pro-life in the UK (12:18) Theological and political change (15:40) Abortion extremism (24:13) Why women choose abortion (37:06) Dying to self in parenthood (41:05) Extramarital sex & collapse of marriage (47:01) "Abortion colonialism" (51:03) How to end abortion worldwide --- Today's Sponsors: American Christian Credit Union — America's Christian Credit Union is Federally Insured by the National Credit Union Administration. Find America's Christian Credit Union online at AmericasChristianCU.com/SWITCH Balance of Nature — Balance of Nature's proprietary blend of 31 fruits and vegetables come in easy to swallow capsules to give your body the nourishment it needs. Go to BalanceofNature.com and use code ALLIE for 35% off. Hillsdale College— Hillsdale College is offering more than 40 free online courses on the works of C.S. Lewis, the stories in the book of Genesis, the meaning of the US Constitution, the rise and fall of the Roman Republic, or the history of the ancient Christian Church with Hillsdale College's online courses, all available for FREE. Go to https://hillsdale.edu/relatable to enroll. NetSuite — gain visibility and control of your financials, planning, budgeting, and inventory so you can manage risk, get reliable forecasts, and improve margins. Go to NetSuite.com/ALLIE to get your one-of-a-kind flexible financing program. --- Relevant Episodes: Ep 674 | How the Sexual Revolution Broke Us | Guest: Louise Perry https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000578738363 --- Buy Allie's book, You're Not Enough (& That's Okay): Escaping the Toxic Culture of Self-Love: https://alliebethstuckey.com/book Relatable merchandise – use promo code 'ALLIE10' for a discount: https://shop.blazemedia.com/collections/allie-stuckey Learn more about your ad choices. Visit megaphone.fm/adchoices
Today, we Colton Underwood - former Bachelor star and self-professed Christian - who recently made headlines for using IVF and buying a surrogate baby with his current "husband." What exactly goes on during this process, and how does it harm the child? Is it acceptable for a Christian to remain in unrepentant sin? Plus, why is Erin Andrews partnering with Enfamil? Get your tickets for Share the Arrows: https://www.sharethearrows.com/ Buy tickets for Allie's event with Dr. Voddie Baucham: https://www.wrathandgrace.com/vbmliveinarlingtontexas --- Timecodes: (05:50) Voddie Baucham (07:40) Colton Underwood's surrogate baby (28:49) Meeting your baby / mother connection (41:41) Medical study on cell migration from baby to mother (46:33) Erin Andrews partners with Enfamil --- Today's Sponsors: EveryLife — the only premium baby brand that is unapologetically pro-life. EveryLife offers high-performing, supremely soft diapers and wipes that protect and celebrate every precious life. Head to EveryLife.com and use promo code ALLIE10 to get 10% of your first order today! American Christian Credit Union — America's Christian Credit Union is Federally Insured by the National Credit Union Administration. Find America's Christian Credit Union online at AmericasChristianCU.com/SWITCH Carly Jean Los Angeles — use promo code ALLIE50 for $50 off your order of $100+ at carlyjeanlosangeles.com. Freedom Project Academy — Take back your child's education at Freedom Project Academy. Right now, save 10% on tuition when you enroll at Freedom For School dot com, that's Freedom F-O-R School dot com. --- Relevant Episodes: Ep 796 | Former Lesbian Activist Calls "Soft" Christians to Repentance | Guest: Rosaria Butterfield https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000610921016 Ep 782 | "Pronoun Hospitality" is Sin | Rosaria Butterfield's Confession https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000607404995 Ep 859 | Why You Can't Be a Gay Christian | Guest: Dr. Christopher Yuan https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000625169321 Ep 1002 | No Man Can Replace Moms https://podcasts.apple.com/us/podcast/ep-1002-no-man-can-replace-moms/id1359249098?i=1000655588256 Ep 884 | Donor-Conceived, Lebian-Raised & Born Again | Guest: Ross Johnston https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000630733945 --- Links: TODAY: "From ‘Bachelor' to father: Colton Underwood is expecting a baby with his husband" https://www.today.com/parents/celebrity/colton-underwood-kids-rcna153475 PubMed: "Cell migration from baby to mother" https://pubmed.ncbi.nlm.nih.gov/19262088/ --- Buy Allie's book, You're Not Enough (& That's Okay): Escaping the Toxic Culture of Self-Love: https://alliebethstuckey.com/book Relatable merchandise – use promo code 'ALLIE10' for a discount: https://shop.blazemedia.com/collections/allie-stuckey Learn more about your ad choices. Visit megaphone.fm/adchoices
Today, we speak with Dr. John MacArthur about his new book "The War on Children" and the various ways this war is being waged in America — through abortion, the promotion of homosexuality and transgenderism, the education system, media, and more. How can Christians fight back against the war on the most innocent among us? We also ask him to elaborate on his recent viral comments that PTSD and OCD are not real. You can buy Dr. MacArthur's book here: https://www.amazon.com/War-Children-Providing-Refuge-Hostile/dp/B0CXTJW1MP Get your tickets for Share the Arrows: https://www.sharethearrows.com/ --- Timecodes: (01:50) Introduction (06:20) Are things worse for children now? (09:30) Why Satan goes after kids (12:01) How has it gotten so bad, so fast? (21:00) Do Christian bear any responsibility? (26:26) Balancing political involvement with reliance on God (29:35) How Christians changed culture (36:52) How parents can respond (42:18) Are PTSD and OCD real? (47:28) Share the Arrows event --- Today's Sponsors: My Patriot Supply — prepare yourself for anything with long-term emergency food storage. Get your new, lower-price three month Emergency Food Kit at PrepareWithAllie.com. EveryLife — the only premium baby brand that is unapologetically pro-life. EveryLife offers high-performing, supremely soft diapers and wipes that protect and celebrate every precious life. Head to EveryLife.com and use promo code ALLIE10 to get 10% of your first order today! American Christian Credit Union — America's Christian Credit Union is Federally Insured by the National Credit Union Administration. Find America's Christian Credit Union online at AmericasChristianCU.com/SWITCH Magic Spoon — get your next delicious bowl of high-protein cereal at magicspoon.com/RELATABLE! Be sure to use promo code RELATABLE at checkout to save five dollars off your order! --- Relevant Episodes: Ep 802 | Inside the Mind of a Mass Shooter | Guest: Dr. Nicholas Kardaras | Part 1 https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000612383862 Ep 803 | The Science Behind Screen Addiction | Guest: Dr. Nicholas Kardaras | Part 2 https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000612546999 Ep 822 | The Money Behind Big Medicine | Guest: Dr. Roger McFillin https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000617050991 Ep 821 | Why Antidepressants Don't Fix Depression | Guest: Dr. Roger McFillin https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000616890403 Ep 857 | Is ADHD Real? | Guest: Dr. Roger McFillin (Part One) https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000624680025 Ep 858 | The Disturbing Origins of Adderall | Guest: Dr. Roger McFillin (Part Two) https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000624797989 --- Buy Allie's book, You're Not Enough (& That's Okay): Escaping the Toxic Culture of Self-Love: https://alliebethstuckey.com/book Relatable merchandise – use promo code 'ALLIE10' for a discount: https://shop.blazemedia.com/collections/allie-stuckey Learn more about your ad choices. Visit megaphone.fm/adchoices
When you've been on staff at an organization—especially in the lead role— transitioning to consulting can be a bit disorienting. Consultant to credit unions Mark Triechel talks about the lessons learned in his switch from regulating an industry to advising them:How to quickly morph from “retirement” into a Soloist expertise business serving your former constituents.Dealing with non-competes and ethics clauses honorably while building your new business.Becoming a “Soloist with a twist”—why you don't have to work alone.How “changing teams” allows you to continue serving an existing niche in new (and profitable) ways.Turning what could have become a pure compliance practice into a strategic advisory business.LINKSMark Treichel Website | LinkedInRochelle Moulton Email List | LinkedIn | Twitter | InstagramBIOIn 33 years at the federal agency known as the National Credit Union Administration, Mark led the agency as Executive Director after starting at the entry level. His varied positions at every level give him a unique perspective on all things NCUA.He “changed teams” and is now in his fourth year of consulting with NCUA credit unions so they save time and money. He has two credit union educational podcasts: With Flying Colors and Credit Union Regulatory Guidance.His clients consider his team as secret weapons in the regulatory battles they face every year.BOOK A STRATEGY CALL WITH ROCHELLE RESOURCES FOR SOLOISTS10 Ways To Grow Revenue As A Soloist (Without Working More Hours): most of us have been conditioned to work more when we want to grow revenue—but what if we just worked differently?The Soloist Women community: a place to connect with like-minded women (and join a channel dedicated to your revenue level).The Authority Code: How to Position, Monetize and Sell Your Expertise: equal parts bible, blueprint and bushido. How to think like, become—and remain—an authority.
Steve wonders if the Democrats' brand-new plans to debate Donald Trump could finally be their ticket to getting rid of Joe Biden. In Hour Two, the team plays a game of Buy, Sell, or Hold on topics ranging from Aaron's 100% biblical worldview score to Gen X's defining music. Finally, Dr. Peter McCullough joins the show to discuss the latest on COVID. America's Christian Credit Union – nationwide personal and business banking for people who still love God and country. ACCU is federally insured by the National Credit Union Administration. Learn more and get started at AmericasChristianCU.com/SWITCH Learn more about your ad choices. Visit megaphone.fm/adchoices
Today, we're joined by Gabriel Finochio, cofounder of TheosU and host of "The Reactionary Christian," to discuss Christian nationalism, the church fathers, the attack of the secular Left, the importance of a Christian society, and why feminism has destroyed biblical womanhood for so many women. Is America a Christian country, and how should religion be structured into government, if at all? What actually IS "Christian nationalism"? What elements of our civilization should be conserved? What is the real danger of idolatry? And is feminism gender dysphoria? --- Timecodes: (03:15) Defining Gabe's theology (08:59) Christian nationalism (15:15) Christian virtues (28:59) Religion vs. relationship (47:55) The problems with feminism (01:04:15) Body dysphoria (01:09:20) Destruction of families --- Today's Sponsors: Focus on the Family — the new podcast, "Practice Makes Parent" brings you real, practical, and biblical advice. Tune in every Wednesday on Apple, Spotify, or your favorite podcasting platform. Find the podcast here: https://podcasts.focusonthefamily.com/show/practice-makes-parent/?refcd=1674101&utm_source=blaze&utm_medium=cpc&utm_campaign=relatable American Christian Credit Union — America's Christian Credit Union is Federally Insured by the National Credit Union Administration. Find America's Christian Credit Union online at AmericasChristianCU.com/SWITCH Hillsdale College— Hillsdale College is offering more than 40 free online courses on the works of C.S. Lewis, the stories in the book of Genesis, the meaning of the US Constitution, the rise and fall of the Roman Republic, or the history of the ancient Christian Church with Hillsdale College's online courses, all available for FREE. Go to https://hillsdale.edu/relatable to enroll. --- Relevant Episodes: Ep 430 | Is 'Christian Nationalism' a Threat to Evangelicalism? | Guest: Nathan Finochio https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000523771597 Ep 793 | An Atheist & a Christian Define Christian Nationalism | Guest: James Lindsay https://podcasts.apple.com/us/podcast/ep-793-an-atheist-a-christian-define/id1359249098?i=1000610457446 Ep 949 | What 'He Gets Us' Gets Wrong https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000645089893 Ep 753 | "He Gets Us': The Good, the Bad, & the Unbiblical https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000599425881 --- Buy Allie's book, You're Not Enough (& That's Okay): Escaping the Toxic Culture of Self-Love: https://alliebethstuckey.com/book Relatable merchandise – use promo code 'ALLIE10' for a discount: https://shop.blazemedia.com/collections/allie-stuckey Learn more about your ad choices. Visit megaphone.fm/adchoices
Today we discuss the recent controversy over Mark Driscoll's public rebuke of a stripper's performance during the opening of the Stronger Men's Conference. Magala took off his shirt, ascended a pole, and swallowed a sword at the event, which was organized by James River Church in Missouri. Was Driscoll out of line? Plus, Ben Affleck and Jennifer Garner's daughter recently came out as transgender - we go through some other children of celebrities who have also become LGBTQ+. And recent maulings by Pitbulls beg the question: should the breed be banned? --- Timecodes: (00:30) Mark Driscoll & sword swallowing debacle (23:55) Golden Bachelor breakup (36:45) Ben Affleck and Jennifer Garner's daughter is “trans” (47:15) Pitbulls --- Today's Sponsors: EveryLife — the only premium baby brand that is unapologetically pro-life. EveryLife offers high-performing, supremely soft diapers and wipes that protect and celebrate every precious life. Head to EveryLife.com and use promo code ALLIE10 to get 10% of your first order today! Focus on the Family — the new podcast, "Practice Makes Parent" brings you real, practical, and biblical advice. Tune in every Wednesday on Apple, Spotify, or your favorite podcasting platform. Find the podcast here: https://podcasts.focusonthefamily.com/show/practice-makes-parent/?refcd=1674101&utm_source=blaze&utm_medium=cpc&utm_campaign=relatable American Christian Credit Union — America's Christian Credit Union is Federally Insured by the National Credit Union Administration. Find America's Christian Credit Union online at AmericasChristianCU.com/SWITCH NetSuite — gain visibility and control of your financials, planning, budgeting, and inventory so you can manage risk, get reliable forecasts, and improve margins. Go to NetSuite.com/ALLIE to get your one-of-a-kind flexible financing program. --- Relevant Episodes: Ep 806 | Justice For Maple: A Story of Pit Bulls & Political Corruption | Guest: Holly Simon https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000613279662 Ep 986 | Steven Furtick Gives a Master Class in Narci-gesis https://podcasts.apple.com/us/podcast/ep-986-my-problem-with-steven-furticks-easter-sermon/id1359249098?i=1000652653436 --- Buy Allie's book, You're Not Enough (& That's Okay): Escaping the Toxic Culture of Self-Love: https://alliebethstuckey.com/book Relatable merchandise – use promo code 'ALLIE10' for a discount: https://shop.blazemedia.com/collections/allie-stuckey Learn more about your ad choices. Visit megaphone.fm/adchoices
Today we discuss the recent online debate over women "hitting the wall": are women past thirty years old simply past their prime? Will men want to date women past a certain age? What are single Christian ladies in their 30s to do? Plus, we break down the recent controversy over former OnlyFans model Nala Ray's conversion to Christianity and her testimony. Do claims that she is faking it hold any water? Is it even our place to judge the sincerity of her redemption story? We look into all this and more. --- Timecodes: (04:16) Are women in their 30s “hitting the wall”? (11:40) “Girl boss” lie (17:50) Advice for single Christian ladies (27:39) Nala Ray (33:08) Is her conversion “legit”? (46:15) Guilt over past sins (51:57) Weed moms? --- Today's Sponsors: Patriot Mobile — go to PatriotMobile.com/ALLIE or call 972-PATRIOT and use promo code 'ALLIE' for free activation! My Patriot Supply — prepare yourself for anything with long-term emergency food storage. Get your new, lower-price 3-Week Emergency Food Kit at PrepareWithAllie.com. American Christian Credit Union — America's Christian Credit Union is Federally Insured by the National Credit Union Administration. Find America's Christian Credit Union online at AmericasChristianCU.com/SWITCH EveryLife — the only premium baby brand that is unapologetically pro-life. EveryLife offers high-performing, supremely soft diapers and wipes that protect and celebrate every precious life. Head to EveryLife.com and use promo code ALLIE10 to get 10% of your first order today! --- Relevant Episodes: Ep 283 | Are We in the End Times? Part 1: How We Interpret Revelation Matters | Guest: Jeff Durbin https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000486948647 Ep 285 | Is The End Near? End Times: Part 2 | Guests: Jeff Durbin & Joel Webbon https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000487399954 Ep 107 | Charlie Kirk https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000437122203 Ep 262 | Trump 2020 & the Real Reasons for the Riots | Guests: Lara Trump & Charlie Kirk https://podcasts.apple.com/us/podcast/relatable-with-allie-beth-stuckey/id1359249098?i=1000477702029 --- Buy Allie's book, You're Not Enough (& That's Okay): Escaping the Toxic Culture of Self-Love: https://alliebethstuckey.com/book Relatable merchandise – use promo code 'ALLIE10' for a discount: https://shop.blazemedia.com/collections/allie-stuckey Learn more about your ad choices. Visit megaphone.fm/adchoices
How will AI innovations impact financial regulators? It may not be something you think about if you're not in the industry but it's going to impact us all more than you think. Kyle Hauptman, Vice Chairman at the National Credit Union Administration, joins us to discuss how AI is changing the role of financial regulators.Newsletter: Sign up for our free daily newsletterMore on this Episode: Episode PageJoin the discussion: Ask Kyle and Jordan questions about AI and financial regulationUpcoming Episodes: Check out the upcoming Everyday AI Livestream lineupWebsite: YourEverydayAI.comEmail The Show: info@youreverydayai.comConnect with Jordan on LinkedInTimestamps:[00:01:10] Daily AI news[00:03:15] About Kyle and the National Credit Union Administration [00:06:50] GenAI and financial regulation[00:10:15] GenAI's impact on US economy[00:13:40] Public perception of GenAI[00:17:30] How will AI impact financial regulation jobs?[00:21:25] AI and financial regulator's impact on everyday people[00:24:20] Kyle's advice on GenAI and it's impact on financial regulatorsTopics Covered in This Episode:1. Generative AI and the financial sector2. How AI innovation will change financial regulators3. Public perception and future of generative AI4. Use of generative AI in credit unions and financial servicesKeywords:AI, AI innovation, financial regulators, impact, excited, livestream podcast, newsletter, special guest, AI news, talent, AI execs, compensation packages, OpenAI, Google AI researchers, job listings, OpenAI, salary ranges, Microsoft, stock, all-time high, Ignite conference, artificial intelligence, AI chip, Athena, reliance, NVIDIA, AI infrastructure, credit unions, National Credit Union Administration, insurer, regulator, fraud detection, generative AI, language models, financial regulation, public perception, Internet moment, US economy, negative perception, positive perception, financial sector jobs, financial inclusion, economic impact, technology, Industry advancement, lending decisions, customer service, forms, up-to-date information, fair lending, regulations. Get more out of ChatGPT by learning our PPP method in this live, interactive and free training! Sign up now: https://youreverydayai.com/ppp-registration/
CryptoMom2- Talk Show & Vodcast - Conversations With Jacqui & Others From Around The World.
Join Jacqueline Cooper, GBA Talk Show Host & CryptoMom2 Talk Show Host, as she speaks with Kyle Hauptman about the role of the National Credit Union Administration (visit www.ncua.gov) and the continued discussion to serve our communities. At the National Credit Union Administration's 2022 DEI & ACCESS Summit, Vice Chairman Kyle S. Hauptman hosted a panel that explored how blockchain technologies can benefit underserved and unserved consumers. The discussion highlighted the Vice Chairman's ongoing commitment to small and de novo credit unions, along with his focus on distributed ledger technology (DLT) and how these technologies are currently helping people around the world. “Blockchain technology will benefit both our diverse communities at home and far-reaching communities abroad,” Vice Chairman Hauptman said. “The ability to automate payments, 24/7, across borders, completely democratizes the financial system.”
NCUA Board Member Rodney Hood Announces at September Board meeting he will support Chairman Todd Harper on his initiatives coming up, including the 2024 Budget.Hours later President Joe Biden announces his intent to nominate Hood's replacement:U.S. Sen. Sherrod Brown (D-OH) – Chairman of the U.S. Senate Committee on Banking, Housing, and Urban Affairs – released the following statement after the Biden Administration announced the nomination of Tanya Otsuka to be a member of the National Credit Union Administration (NCUA) board. Currently, Otsuka works for Chair Brown as Senior Counsel for the Senate Banking and Housing Committee.“Tanya Otsuka is an exceptional choice to serve as a National Credit Union Administration board member. As a public servant, Ms. Otsuka has dedicated her entire career to fighting for consumers, credit unions and other small financial institutions, and a strong financial system,” said Brown. “On the Banking and Housing Committee, she has earned a reputation as a respected leader, reliable teammate, and a trusted advisor. She will bring a fresh perspective and support for the President's work to build an economy centered on working families. If confirmed, she would be the first Asian American to serve on the NCUA Board in the agency's 53 year history. I fully support her historic nomination and urge my colleagues to do the same.”ALEXANDRIA, Va. (Sept. 21, 2023) – National Credit Union Administration Chairman Todd M. Harper issued a statement welcoming President Joseph R. Biden's nomination of Tanya Otsuka of Virginia to the NCUA Board:“Tanya Otsuka is a committed public servant and a well-qualified nominee to serve on the NCUA Board. Tanya's past work has strengthened the U.S. financial system, protected consumers, and advanced the ability of credit unions to innovate and compete. Tanya would also bring a different point of view to the work of the agency as the first Asian-American NCUA Board Member. If confirmed, I look forward to working with Tanya to protect the deposits of America's nearly 138 million credit union members and to expand access to safe, fair, and affordable financial services to under-resourced communities. I hope the Senate acts quickly on her nomination.”
Years ago when online banks were first appearing, we got a lot of calls from folks wondering if they were safe. Now it seems we're getting that call volume again with folks wondering if putting their money in an online bank is a prudent thing to do, possibly as a result of a few bank failures this past spring.Banking is perhaps the most heavily regulated industry in the U.S., but it isn't foolproof. Managers are human and humans make mistakes. There will always be bank failures, but the system we have in place makes bank closures rare and isolated.Now, if you're concerned about putting your money in a bank that has no branches— no actual buildings that you can physically walk into— you should know that there's actually very little difference between a so-called brick and mortar bank, with branches, and an online bank that exists only in cyberspace.In fact, to most customers of brick-and-mortar banks, there's no difference at all, because they never go into a bank branch these days. That was a trend already well underway when COVID hit, forcing many banks to close branches to walk in traffic. Since you can deposit a check with a smartphone now, many people have little need to actually go to a bank.Banks, of course, have noticed this, and they've been closing branches right and left over the past few years. In 2020, there were around 90,000 brick-and-mortar bank branches in the U.S. By 2022, that number had fallen to just over 70,000. Banks need fewer branches these days because they're now offering all or most of their services online, as well.Now, there's no doubt that some people want in-person banking and the ability to sit down with a loan officer face-to-face. But it seems a lot more people are content to do their banking completely online, often with just a smartphone.But if folks can have that same “cyber” experience with a brick-and-mortar bank, why are so many people flocking to online banks and leaving brick-and-mortar behind? It's simply a matter of interest. Online banks have significantly higher yielding rates and lower fees than traditional banks. That's because they don't have the overhead costs of maintaining dozens or hundreds of brick-and-mortar branches.Still, to some people, the idea of not being able to physically go to a bank branch and take out their money is worrisome. Just how safe are online banks?The answer is: They're every bit as safe as brick-and-mortar banks and credit unions, as long as they're federally insured. That means they're backed by the full faith and credit of the U.S. government in the unlikely event that it fails. The Federal Deposit Insurance Corporation (FDIC) insures deposits at federally insured banks. The National Credit Union Administration insures deposits at federally insured credit unions. In both cases, that coverage is a maximum of $250,000 per person, per institution.So, an online bank has the same insurance coverage as a brick-and-mortar bank, as long as it's FDIC insured. And you can check on that. Go to FDIC.gov and use their “BankFind” feature or visit NCUA.gov and use their “Research a Credit Union” tool to verify if an institution is federally insured. But you'll probably have a difficult time finding one that isn't.Now, what about cyber-security, you ask? If everything is done online, doesn't that make your account more vulnerable to hackers and thieves? Well, all banks, as well as online vendors, have a vested interest in preventing that.They use data-encryption technologies such as two-factor or biometric authentication, electronic signature verification, and continuous account monitoring.But customers have to do their part to maintain cyber security, too, and that's whether they use an online or brick-and-mortar bank. That starts with having a secure internet connection and a strong password.Never use public wifi to access any of your accounts, either financing or shopping. You should also sign up for banking alerts for suspicious transactions and two-step identification. It's also a good idea to use a password manager that enables you to use random, complicated passwords and to change them easily. Also, never repeat a password for different accounts.So, to recap, the question was, “Are online banks safe?” And the answer is, “As long as they're federally insured, they're every bit as safe as brick and mortar banks.” We hope that eases your concerns, so you can take advantage of the higher interest at many online banks. On today's program, Rob also answers listener questions: Is it wise to invest in a livestock contract? How should you structure your will regarding a house when you want to leave an inheritance to multiple people? What are the rules surrounding the purchase of I-bonds?When is it wise to buy a home as opposed to renting? RESOURCES MENTIONED:Find a Certified Kingdom Advisor Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network as well as American Family Radio. Visit our website at FaithFi.comwhere you can join the FaithFi Community, and give as we expand our outreach.
We recently interviewed Rodney Hood, Chairman of the National Credit Union Administration, on his views and hopes for inclusion and belonging in the workplace and the church. Rodney E. Hood is the Chairman of the National Credit Union Administration. He's held that role since 2019. He's also on the Board of Directors of NeighborWorks America, one of the nation's largest affordable housing and community development organizations. Rodney has served for decades in both public and private roles in the finance sector. As always we invite you to leave us a rating on your favorite podcast app or send us a comment at podcast@slbrownfoundation.org. Credits: Music by Micah Behr, audio engineering by Jesse Koopman, graphic design by Madeline Ramsey.
Major averages closed higher today. It was the best day for the indices since May 5. Wells Fargo's Chris Harvey breaks down what's behind the surge. ServiceNow and NHL announce a partnership; CEO Bill McDermott and Commissioner Gary Bettman join to discuss. McDermott talks the company's Knowledge conference and its plans for AI in enterprise. NVIDIA CEO Jensen Huang sat down with our Jon Fortt in an exclusive interview talking the promise and peril of AI and scaling software. As questions swirl the regional banks, Todd Harper, Chairman of the National Credit Union Administration, discusses how to strengthen belief in the system. Smith Point Capital CEO Keith Block on spending levels in enterprise software and what it means for global demand. Earnings from Take-Two Interactive and Cisco.
In this episode, Dr. Mansharamani speaks with Kyle Hauptman, Vice Chairman of the National Credit Union Administration. Kyle shares what it was like growing up with a father in the National Parks Service, his front row seat to the Wall Street chaos that took place in September 2008, and his path into the political arena. They discuss how Kyle navigated his career decisions and his love of movies and film.
We're doing a deep dive, TidBit style, into the National Credit Union Administration. One of the most important government organizations that most Americans don't really even know about, but I expect will become a household name in the coming years. Who is the NCUA? What do they actually do? And I'll tell you the crucial role they play in the strength of credit unions, why we should care and how it impacts our communities. To learn more, visit:https://billbymel.com/Listen to more episodes on Mission Matters:https://missionmatters.com/author/bill-bymel/
Kyle Hauptman, vice chairman of the National Credit Union Administration, comes on the show to discuss how his agency encourages credit unions to take steps to stay relevant in the digital era.
MCUL CEO Patty Corkery talks with NCUA Chairman Todd Harper about his 10-plus years with the Administration, his Midwestern roots, what motivates him everyday and much more.
Todd Harper is the first head of the National Credit Union Administration appointed after serving in the agency's own ranks. His conversation with Jo Ann touches on the NCUA's new innovation office, and the technology pressures and opportunities facing credit unions.
Bruce Bauer understands how credit unions sometimes push establishing a charitable donation account down on their list of priorities. But Bauer, an executive benefits specialist with CUESolutions provider Cuna Mutual Group, rather wishes they wouldn't. In this episode, Bauer explains that credit unions that have charitable donation accounts can get additional revenue from the same budget line item for their philanthropy. That's because CDAs allow them more investment flexibility (and potentially more return) both on the dollars they plan to donate plus a specific amount of additional funds.In the show, Bauer details the rules and regulations the National Credit Union Administration has in place to govern credit unions' use of CDAs. He also talks about some cool successes in charitable giving that have been facilitated by the use of one of these accounts. In all, Bauer thinks using a charitable donation account is something every credit union should at least consider, as it can set them up for a triple win—to “help charities in their communities, help the credit union brand and help credit unions dominate the community banking space.” Links for this episode: TranscriptHow to Make Charitable Donation Dollars Work Harder by Cuna Mutual Group Charitable donation accounts through Cuna Mutual Group CUES Symposium
Rick Metsger served for a decade in the Oregon State Senate before being nominated by President Barack Obama to serve on the board of the National Credit Union Administration. In this episode, we talk briefly about Rick's tenure as a State Senator and about the vetting process he went through before being appointed to his post in the Obama Administration. The bulk of the episode is Rick telling the wild story of the time when Kate Brown, then-Senate Democratic Leader, competed with then-Senator Peter Courtney for the position of Senate President. The caucus election had a significant, long-lasting impact on Oregon's political landscape for decades--including setting Kate Brown on the path to the governorship. Rick was a member of the Senate Democratic Caucus at the time of this election. He interviewed 15 former colleagues in the Senate (Democrats and Republicans) before writing an essay that reveals the behind-the-scenes dynamics that ultimately led to Peter Courtney's ascension to the Senate Presidency--a role he held for two decades. We also ask him about why he chose to reveal this story publicly today (including conversations in Caucus Meetings, which were considered confidential).
In this episode of With Flying Colors I discuss NCUA's Risk Appetite Statement with ERM Expert David Seibert.David can be reached at www.davidseibertconsulting.comCreated by the United States Congress in 1970, the National Credit Union Administration is an independent federal agency that insures deposits at federally insured credit unions, protects the members who own credit unions, charters and regulates federal credit unions, and promotes widespread financial education and consumer financial protection. The NCUA protects the safety and soundness of the credit union system by identifying, monitoring, and reducing risks to the National Credit Union Share Insurance Fund. The NCUA is subject to a variety of risks that relate to its objectives, strategies, operations, reputation, and environment. Through the NCUA's Enterprise Risk Management (ERM) program, the agency proactively manages risks to achieve its mission, as well as to maximize opportunities across the agency. The NCUA's ERM program is overseen by the Enterprise Risk Management Council (ERMC), which was formally established by the Executive Director in 2015. Editorial note: I was the Executive Director that established ERM at NCUA. Since that time, the ERMC has focused on building foundational elements of the NCUA's ERM program; identifying, assessing, and prioritizing enterprise-level risks; and developing risk response plans for those risks. The ERMC is comprised of the following NCUA executives: Deputy Executive Director, serves as ERMC Chair Chief Financial Officer Chief Information Officer Chief Economist Director,Office of Examination and Insurance Director, Office of Continuity and Security Management Director, Office of Business Innovation Director, Office of Consumer Financial Protection Director, Western Region The ERMC's mission is to optimize risk management prioritization and mitigation decisions to minimize the risk that events adversely impact the successful achievement of the NCUA's strategic goals and objectives. Further, the ERMC seeks to establish a risk awareness culture and appropriate risk management processes throughout the NCUA. An effective ERM program is a good management practice. An important part of a successful ERM program is a thorough risk appetite statement. That statement is a management tool that provides guidance from agency leadership to managers and staff on the amount of risk the NCUA is willing to undertake in pursuit of its objectives. The Federal Chief Financial Officers Council's ERM Playbook explains that risk appetite statements, “help agencies make risk informed decisions with regard to allocation of resources, management controls, and potential consequences or impacts to other parts of the organization and can reduce surprises and unexpected losses.” 1 The ERMC developed a risk appetite statement for the agency through careful consideration and evaluation of the risks the agency faces, and focused on achieving several programmatic goals, including: Communicating guidelines about the levels of risk the NCUA is willing to accept in pursuit of its mission and goals, Promoting consistency in understanding, measuring, and managing risk across the enterprise, Informing agency responses to risks and decision-making to balance limited time and resources, and Driving a more risk-aware culture. The attached NCUA Risk Appetite Statement would provide greater clarity and transparency about how the agency approaches risks in order to accomplish its mission and to provide important guidance to NCUA staff and stakeholders. This risk appetite statement will help the NCUA align risks and opportunities when making decisions and allocating resources to achieve the agency's strategic goals. This risk appetite statement is part of the NCUA's overall risk management approach, shown in Figure 1. The NCUA will identify, assess, prioritize, respond to, and monitor risks to an acceptable level.
Please join Consumer Financial Services Partner Chris Willis and his guests and colleagues James Stevens and Carlin McCrory as they discuss the consumer protection and safety and soundness sides of credit union regulation. The discussion includes topics on the National Credit Union Administration's 2022 consumer protection priorities, loan participations, the 2023 CECL implementation, and the regulatory impact of a recession on consumer loan portfolios held by credit unions.Troutman Pepper Corporate Partner and Financial Services Group co-leader James Stevens advises clients on corporate and regulatory matters. He has substantial experience in representing public and private companies, including banks, neobanks, marketplace lenders, payments companies, crypto and DeFi companies, and other fintech and financial services providers in connection with formation, licensing, sponsorship and program agreements, mergers and acquisitions, debt and equity financing transactions, joint ventures, and regulatory reporting and compliance.Associate Carlin McCrory is a regulatory, compliance, and payments attorney with experience representing financial institutions, fintechs, lenders, debt collectors, payment processors, neobanks, virtual currency companies, and mortgage servicers. Carlin regularly provides tailored compliance advice across a variety of topics, while also developing best practices strategies to help her clients advance their business goals. She routinely assists clients with vendor contracts from initial review of the agreement through termination, as well as drafting and reviewing clients' internal compliance policies and procedures.
Whether you work at a credit union or a bank, you will not want to miss this special episode of “On the Balance Sheet” with the National Credit Union Administration's Vice Chair Kyle Hauptman. Kyle joins Vin and Zach to talk about a wide variety of topics, including his experiences in the banking world and how they shaped his mission in the public sector, working in the Senate and on a Presidential campaign, common sense regulation, and even a nod to Blockbuster Video.
An organization needs to grow with good policies for better management and outcomes. This allows board members to understand the processes deeply and provide them the opportunity to ask better questions that can lead the credit union to a better place. In this episode of With Flying Colors, Mark Treichel talks with subject matter expert Todd Miller on the role and elements of good policies. Todd worked at the National Credit Union Administration for 34 years as an Examiner, Problem Case Officer, Regional Capital Market Specialist, and Director of Special Actions. Join in as he discusses the reasons for, general thoughts on, and common elements of good policies. Equipping yourself with this information can help you reach the success you have always aimed at.
Every year National Credit Union Administration issues a guidance letter that outlines the supervisory priorities and other aspects of the agency's examination program. NCUA focuses its examination activities on the areas that pose the highest risk to credit unions, credit union members, and the National Credit Union Share Insurance Fund. NCUA increased its number of priorities 57 percent over last year (and the past five years for that matter). Tune in to hear 100 years of NCUA expertise discuss what this means for credit unions.Link to NCUA's Priority Letter: https://www.ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/ncuas-2022-supervisory-priorities
Every year National Credit Union Administration issues a guidance letter that outlines the supervisory priorities and other aspects of the agency's examination program. NCUA focuses its examination activities on the areas that pose the highest risk to credit unions, credit union members, and the National Credit Union Share Insurance Fund. NCUA increased its number of priorities 57 percent over last year (and the past five years for that matter). Tune in to hear 100 years of NCUA expertise discuss what this means for credit unions.Link to NCUA's Priority Letter: https://www.ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/ncuas-2022-supervisory-priorities
Matt and Nic return for more news and deals of the week. In this episode: Everything is selling off Is the US losing its status as global reserve? We announce our policy miniseries Sen. Lummis will reportedly propose a crypto bill Opensea raising $300m at a $13b valuation Illicit activity in 2021 was only 0.15% of total crypto volume The Boston Fed CBDC pilot program rumbles on Kazakhstan turns off the internet, and dims Bitcoin hashrate by 12% NY State reproposes their bill to ban mining in the state The National Credit Union Administration looks to ratify usage of crypto for its members The House Energy and Commerce committee will hold a hearing on PoW A group of environmentalist organizations sends a letter regarding PoW to congress Content mentioned: National Credit Union Administration, Relationships with Third Parties that Provide Services Related to Digital Assets Letter to Congress from environmentalist groups regarding PoW Sponsor notes: Corporations and institutions can allocate cash into Circle Yield to gain crypto lending exposure and earn superior returns compared to traditional markets. It's secured, overcollateralized and built on the leading dollar digital currency. Visit circle.com/yield to book a meeting
Have you ever wanted to work and live in an RV? Imagine exploring the world, meeting different people, and experiencing different cultures. You can do all of that and still work on your business from your RV. This is what Mark Treichel does for a living. After 33 years of hard work, Mark retired from the National Credit Union Administration. He bought an RV and decided that he wanted to explore the world while starting a consulting business. He is now the Founder of Mark Treichel, LLC. Join Michael Zipursky and Mark in a conversation about how Mark started his business. Learn how the pandemic helped him build his business from an RV and how he is scaling it towards the future.Love the show? Subscribe, rate, review, and share!Here's How »Join the Consulting Success Community today:consultingsuccess.com
This first episode of season two kicks off with a conversation between Michael Morris, founder of NDI, and Rodney Hood from the National Credit Union Administration.
It’s interesting that as the unpredicted, unprecedented year of 2020 was closing, Rodney E. Hood identifies this quote as a professional mantra he lives by: “Proper preparation and planning can prevent poor performance.”Chairman of the National Credit Union Administration Board, Hood says in this show, taped Dec. 8, that this quote he learned in high school helps him remember to always put his best foot forward and get “things done with professionalism, duty and integrity.”“As long as I stay focused on those Ps … it gets me through,” he says.For 2020, putting the best foot forward meant helping the federal agency he leads support credit unions on two important fronts: the COVID-19 pandemic and efforts to boost diversity, equity and inclusion in the credit union industry after the killing of George Floyd in May.Hood talks in the show about key things the National Credit Union Administration did in response to the COVID-19 pandemic, including:Staying open, even though the staff is working from home for safetyAllowing remote board meetings and annual membership meetingsContinuing offsite regulatory examinationsRecognizing the challenges of lending in these times and supported the making of small-dollar loans, loan modifications and forbearancesSupporting small and low-income-designated credit unions that are on the front lines in serving people who have been marginalized or underservedHe also expresses his vision for the inception and next steps of NCUA’s Advancing Communities through Credit, Education, Stability and Support program, also known as ACCESS.The show also gets into:Why Hood loved studying Latin and what modern language he’d like to speak fluently (and why)How the pandemic-impacted economy compares to the Great Recession in 2008 and why Hood thinks credit unions are better positioned for success now than they were thenWhat Hood thinks would be good next steps for NCUA to take as credit unions ride out the pandemicExamples of real people who have been impacted by credit unions during these unprecedented timesLinks for this show:NCUA’s COVID-19 response Chairman Hood’s statement in response to the killing of George FloydAfrican American Credit Union CoalitionNCUA’s ACCESS programNCUA’s voluntary diversity assessment
In the Tampa Bay, Florida, region, migration from Spanish-speaking countries has increased more than 200% in the last two decades and that number continues to rise, creating social and economic change in the area, according to Lindsey Walker, executive assistant with $259 million/32,000-member Tampa Bay Federal Credit Union, Tampa Bay, Florida, and the 2020 CUES Emerging Leader, the first-ever winner.That growth was driven by part by Tampa being a top destination for people from Puerto Rico escaping Hurricanes Irma and Maria. Other Spanish speakers have come to the Tampa area from Columbia, Venezuela, Cuba and Nicaragua.According to Walker, a national survey found these individuals prefer having documents available in their native language. “There’s always room for misinterpretation when you speak dual languages,” Walker explains in the show. “This is especially true for older Spanish speakers. They often bring a grandchild or friend with strong English skills to help them.” If they don’t, they sometimes sign without fully understanding the terms, which can become a real problem.In the Tampa Bay region 24.3% of the unbanked and underbanked population rely on payday lenders, Walker points out in the show. These organizations prey heavily on minorities who lack access to mainstream financial products, she says.Getting their business at the credit union instead can be as simple as letting a consumer “know they can become a member of a credit union or that we will accept their identification. They actually can get access to products.“Since 2015, Tampa Bay Federal Credit Union has begun changing the narrative in our community and helping get the word out that we are there and we can support” Spanish speakers, she explains. “We make it known that we accept alternative types of identification for membership and loans. We have staffed our front line with over 74% being bilingual. Our branches are strategically built in Hispanic communities. We facilitate financial literacy classes in Spanish. We have bilingual branch leaders who have undergone” … financial literacy education courses.In all, “with completion of the Spanish outreach program … we’ve been able to provide materials to our Spanish speaking community such as member applications, loan documents, website, marketing materials,” she adds. “It’s a huge leap for the credit union. The feedback that we have received as each segment of the program has gone live” has been very positive. “They’ve been so grateful that we are listening to their needs and responding.”The credit union invested $56,000 and now anticipates 1% growth annually. With 8,200 Spanish-speaking members now, that’s 1,900 new members in the next five years “that we’ll be able to help,” Walker says. “We also anticipate an on-balance loan sheet increase of $128 million. Of that, we anticipate $6.4 million being deployed to our Hispanic communities. I think it’s a huge win-win.”The show also gets into:Walker’s professional mantra, “Seize every opportunity available,” and her favorite quoteTips for credit unions that want to do this in their own shopsGrant writing and the National Credit Union Administration’s community development financial institution programThe CUES Emerge program
Tune in as IIB's General Counsel, Stephanie Webster, joins Rodney Hood, the Chairman of the National Credit Union Administration to discuss various topics of diversity and inclusion, what the NCUA and its member credit unions are doing to promote financial inclusion, and how the financial industry can work towards equality and unity amid social unrest.
Rodney Hood is the first African-American to lead a federal banking regulatory agency, the National Credit Union Administration-the independent agency that oversees the nation's federally insured credit unions. Since entering the role last year, Chairman Hood has focused on building and reinforcing places that have fallen behind, often in areas where opportunity is limited, like hard-pressed urban neighborhoods and rural communities fighting decline. In this episode, Chairman Hood offers his thoughts on how financial regulators can make inclusion a major priority in the financial industry and what financial institutions can do to promote financial inclusion and opportunities in underserved communities. https://www.wsj.com/articles/how-banks-can-help-america-heal-11591311103 Want to contact the show? Reach out at reiners@law.duke.edu Interested in learning more about issues in financial regulation and policy? Check out the Global Financial Markets Center's blog, The FinReg Blog.
The triple crises of 2020 -- pandemic, economic contraction, and racial and social upheaval -- are opening up new kinds of conversations. Today’s episode is one of these -- my discussion with Rodney Hood, the Chairman of the National Credit Union Administration. Chairman Hood is the first African-American, ever, to head a US federal financial regulatory agency -- and one of only eight to hold presidentially-appointed roles in these agencies since the New Deal. As we continue our Barefoot Innovation special series on financial regulation after the pandemic, we focus closely on the challenges of racial disparity in the financial system, and what to do about them.
Rodney Hood, Chairman of the National Credit Union Administration, chats with Vermont credit union leaders in their dealings with financial and health challenges brought about by the COVID-19 pandemic. Joining the discussion is Michael Pieciak, Commissioner of Vermont Department of Financial Regulation. Hosted by Joe Bergeron, President, Association of Vermont Credit Unions.
In today's daily round-up of export, trade and commodity finance news, TXF's Max Thompson covers the latest stories and trends across the market: US Exim inks MoU with National Credit Union Administration EIB signs €122.7m loan agreement with Egypt TDB extends revolving PXF to EdM to boost fair trade vanilla exports Like what you hear? Hit subscribe to stay up to date and for all the latest news online visit www.txfnews.com today.
In today's Daily Download episode, HW+ Managing Editor Brena Nath discusses an announcement from the National Credit Union Administration (NCUA) that credit unions can now delay appraisals up to 4 months after a mortgage closes. Last week, Federal banking regulators moved to allow banks to delay getting an appraisal on a property for as many as 120 days after a mortgage closes, and now, credit unions can do the same thing.In order to “allow credit unions to expeditiously extend liquidity to creditworthy households and businesses in light of recent strains on the U.S. economy as a result of the National Emergency declared in connection with coronavirus disease,” the NCUA will allow credit unions to postpone obtaining an appraisal until four months after a mortgage closes.Following the main story, HousingWire Digital Producer Alcynna Lloyd covers the Labor Department's latest report that indicates U.S. jobless claims rose by 4.43 million last week, Freddie Mac's weekly Primary Mortgage Market Survey that reveals mortgage rates slightly ticked up to 3.33% and the U.S. Census Bureau's new-home sales report that reveals new-home sales tumbled 15.4% in March, marking the biggest drop in more than six years.The Daily Download examines the most captivating articles reported from the HousingWire newsroom. Each afternoon, HousingWire provides its readers with a deeper look into the stories that are not only chronicling the biggest announcements within the housing finance industry but are also helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd.HousingWire articles covered in this episode:Credit unions can now also delay appraisals until 4 months after a mortgage1 in 5 Americans lost a job because of COVID-19, initial claims showAverage U.S. mortgage rate ticks up to 3.33%New-home sales plummeted in March
Early on in this show, Nick Coleman explains why he’s passionate about his work as the director of strategic relationships for Children’s Miracle Network Hospitals. He also describes the longtime support credit unions have offered CMNH. While those stories alone are compelling enough reasons to listen to this show, this episode of the CUES Podcast also goes on to talk very practically “cause marketing” and how charitable donation accounts can support it.Coleman defines “cause marketing” as the way an organization directs its marketing efforts both to ramp up and to highlight the good it’s doing in its community. As an example, he tells a story about a credit union in the Midwest that’s rallying youth hockey players in its community to do fundraising to support kids with disabilities and complex medical needs.Cause marketing “is a great strategy to build affinity with both members and employees,” Coleman says. “Plus, it showcases to non-members and your community the value that a credit union brings.” He cites a figure that 79% of consumers expect an organization they do business with to actively strive to do more to support their local communities. In addition, he says, 74% of people say their job is more fulfilling when they are provided an opportunity to make a positive impact. In this episode, Bruce Bauer, executive benefits specialist from CUESolutions provider CUNA Mutual Group, describes his participation in an advisory committee meeting for Credit Unions for Kids, a credit union industry organization that supports Children’s Miracle Network Hospitals. He presented to that group’s Orange County, California, chapter about how charitable donation accounts could be used by each of the participating credit unions to possibly add additional donations to their efforts.More specifically, Bauer told the advisory group, and explains in the show, the National Credit Union Administration allows credit unions to expand their investment opportunities to help their charitable giving when they use charitable donation accounts as the vehicle. CUs can invest up to 5% of their net worth into a wide range of investments that are permissible with a CDA. “When they do that investment and they get earnings from that investment, 51% of those earnings, of that total return, have to go back into a 501(c)3 charity,” Bauer says. “That’s where CUs for Kids falls into place. The remaining 49% of that investment’s earnings can stay right with the credit union.“We’ve seen enormous growth with this opportunity—about 127% growth in the last year in investments into CDAs. Interestingly enough … more than half the contributions of those earnings from CDAs we have out there go to CUs for Kids. … So if we can find a way to enhance their investment portfolio to earn some additional dollars through this regulation it’s going to provide additional dollars that CUs for Kids and other charitable organizations can benefit from.”The show also gets into:What credit unions are eligible to do CDAs (all federal credit unions and state-chartered organizations; some need approval from the state)The kinds of investments credit unions can use with a CDASome examples of how CDAs have been used by credit unionsThe impact of current market volatility due to coronavirus on CDAsHow supporting 501(c)3 organizations will be increasingly important as the world tries to find a new normal in the wake of the COVID-19 pandemicTips for doing cause marketing
“Proper preparation and planning prevent poor performance.” - Chairman Rodney E. HoodWelcome to episode 54 of The CUInsight Experience podcast with your host Randy Smith, co-founder of CUInsight.com. This episode is brought to you by CO-OP Financial Services. CO-OP is your trusted payments processing partner whose mission is to drive the credit union movement forward.In this episode, Randy is speaking with The Honorable Rodney E. Hood. He was nominated by the President and confirmed in 2019 as the 11th Chairman of the NCUA. They discuss his goals for the NCUA under his chairmanship, and what he sees as opportunities and challenges for credit unions.Chairman Hood discusses where credit unions are today and what he sees as the challenges that they face in the future. He speaks about diversity, equity, and inclusion, why it is so crucial in credit unions today, and about the DEI Summit that was held last year. They chat about the NCUA and how they are embracing diversity in the way they recruit from more diverse candidate groups.Listen in as they talk about where Chairman Hood sees the NCUA in the year ahead and what he hopes to accomplish during his time as Chairman. He tells us why he took the position at NCUA, how the inspiration with time on the job, and what he feels his leadership style is. He says regulation needs to be effective, not excessive, and that is something his team hears him say all the time and they are working towards.Chairman Rodney Hood has a lot to share, and you don’t want to miss any of it. He is a genuine person that has a passion for helping people and loves to share his insights on the credit union industry. So sit back, plugin and enjoy!Find the full show notes on CUInsight.com.Subscribe on: Apple Podcasts, Spotify, Google Play, Stitcher Books mentioned on The CUInsight Experience podcast: Book ListHow to find Chairman Hood:The Honorable Rodney E. Hood, Chairman of the National Credit Union Administration www.NCUA.gov Contact | LinkedIn | Twitter
The National Credit Union Administration allows credit unions to make certain “otherwise impermissible,” potentially higher-yielding investments that carry additional risk when credit unions set up certain kinds of programs, including the following:total benefits pre-funding—which helps credit unions offset the rising cost of staff benefits;charitable donation accounts—which require that 51% of the earnings on an investment of up to 5% of the CU’s net worth go to 501(c)3 charities; and 457(f) plans—which are retirement programs than can help CUs recruit, incent and retain key employees. “When we build those plans, open those … accounts, we need funding vehicles,” says Bruce Bauer, executive benefits specialist with CUESolutions platinum provider CUNA Mutual Group, Madison, Wisconsin, in the early part of this show. “One of the funding vehicles we use is City National Rochdale and their managed portfolios.” The company has become “a very strong partner for us. I believe we have over $1.2 billion with them right now.”Matthew Peron, chief investment officer, City National Rochdale, New York, says his firm is a boutique investment manager known for handling specialized and complex cases for high net worth investors and institutions. The firm manages assets of more than $40 billion. “Our investment posture is a little different, Peron says in the show. “We’re very attuned to crafting investment allocations, solutions if you will, for the needs of our clients who can be very different. … Our solutions that we provide … are able to tailor to the specific needs of clients.”When City National Rochdale works with a credit union, it starts by understanding the plan that CUNA Mutual has put in place and also partners with the credit union’s executive team and sometimes its board to understand how they’re running the business and what might be unique to that credit union’s situation.“All of our portfolios are customized,” explains Russell Martin, portfolio manager with City National Rochdale. “We do not use model portfolios. Each asset allocation or the individual instruments that we use in those portfolios may vary across all of the credit unions that we manage money for.” But generally speaking, these plans can be grouped into two broad categories, Martin adds: 1. Total benefit prefunding accounts and the charitable donation accounts tend to be a little more conservative in their investment strategies, with fewer equity investments (stocks) and more fixed-income investments (bonds). The stock component tends to include more conservative, less volatile, high dividend stocks that get their return through cash flow and don’t rely as heavily on price appreciation as do many of the growth stocks in the market.2. Investments for 457 plans tend to be more balanced between equity and fixed income. These tend to have a blend of the high dividend stocks and the growth stocks.“The overlay on all of this is understanding the financial statements and the accounting methods that each credit union uses,” he notes. The show also gets into: How credit unions are working with the new accounting rules regarding how their investment portfolios impact their income statements and balance sheetsThe state of the current economy in the United StatesWhat credit unions might be able to do to expand investment options in this low interest-rate environment
This is the 15th episode of 16 Minutes, our news show where we cover the top headlines, the a16z Podcast way: what’s real / what’s hype; what's interesting from our vantage point in tech. This week (after a brief hiatus for our annual innovation event and November holidays), we cover the following news... in conversation with Sonal Chokshi:use of alternative data in credit underwriting -- Five federal regulatory agencies (the Federal Reserve Board, the Consumer Financial Protection Bureau, the Federal Deposit Insurance Corporation, the Office of the Controller of the Currency, and the National Credit Union Administration) recently issued a joint statement on the use of alternative data in credit underwriting; what does this news really indicate, and what are the implications for both consumers and companies? -- with Seema Amble and Rex Salisbury;big annual shopping days and retail trends -- From Black Friday to Cyber Monday to Singles' Day and Prime Day and seemingly unprecedented sales, where are we in the shift from offline to online commerce, on the so-called "death of retail", and on other tech (chatbots, logistics) changing shopping? -- with Jeff Jordan and Connie Chan.Relevant/ related links:credit, banking, data:use of cash-flow data in underwriting credit: empirical findings via FinRegLaba brief history of credit cards (or, what actually happens when you swipe) [animated video] with Alex Rampellon managing risk and uncertainty with Angela Strangeon non-bank financial firms (aka fintech is eating the world) by Angela Strangeon money, risk, and software [podcast] with Alex Rampellretail, logistics, etc.:the golden era of productivity, retail, supply chains [podcast] with Marc Levinson, Hanne Tidnam, and Sonal Chokshiwhere's my stuff, the lowdown on logistics and ops [podcast] with Jeff Jordanonline to offline 2.0 - experiments and examples from China with Connie Chanonline to offline (O2O) commerce by Alex Rampell the tipping point (e-commerce version) by Jeff Jordanso you want to compete with Amazon? by Jeff Jordan---The views expressed here are those of the individual AH Capital Management, L.L.C. (“a16z”) personnel quoted and are not the views of a16z or its affiliates. Certain information contained in here has been obtained from third-party sources, including from portfolio companies of funds managed by a16z. While taken from sources believed to be reliable, a16z has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. Furthermore, this content is not directed at nor intended for use by any investors or prospective investors, and may not under any circumstances be relied upon when making a decision to invest in any fund managed by a16z. (An offering to invest in an a16z fund will be made only by the private placement memorandum, subscription agreement, and other relevant documentation of any such fund and should be read in their entirety.) Any investments or portfolio companies mentioned, referred to, or described are not representative of all investments in vehicles managed by a16z, and there can be no assurance that the investments will be profitable or that other investments made in the future will have similar characteristics or results. A list of investments made by funds managed by Andreessen Horowitz (excluding investments for which the issuer has not provided permission for a16z to disclose publicly as well as unannounced investments in publicly traded digital assets) is available at https://a16z.com/investments/.Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others. Please see https://a16z.com/disclosures for additional important information.
On this bonus episode of the ABA Banking Journal Podcast, Karen Shaw Petrou of Federal Financial Analytics discusses her recent paper on whether credit unions are succeeding in their statutory mission to serve customers of “small means” — and what it means for the growing problem of economic inequality. Among other topics, she discusses: The lack of metrics collected or disseminated by the National Credit Union Administration on credit unions’ statutory mission How efforts to measure this performance are complicated by NCUA’s expansive definition of “low income” Examples of credit union lending that does not appear to comply with the statutory mandate that credit be made for “provident and productive purposes” Policy options for Congress and NCUA that might help ensure CUs fulfill their purpose, including a “mission survey”
A lot of work and preparation goes on before a credit union board interviews a candidate it is considering as a possible next CEO. The board has considered multiple resumes, decided what questions to ask (and which director will ask them), and oftentimes spent time consulting with an executive search consultant. The candidate has gathered a wealth of experience, gone through such key development opportunities as CEO Institute, and committed to taking his or her career to a whole new level. If you are the interviewee, how can you hit the ball out of the park in your interview for the top job? In this episode, you’ll get guidance from Deedee Myers, Ph.D., and Peter Myers. They are CEO and SVP, respectively, of DDJ Myers, Phoenix, CUESolutions provider for succession planning, executive recruitment, leadership coaching. Both Deedee and Peter have supported many CEO searches.Deedee emphasizes early in the show that the point of a first-round interview is to get the second-round interview. “It’s not to get the job, it’s to get through the gate,” she says.Peter says preparing for the interview should include a deep dive into the organization conducting the interview. Looking at that CU’s National Credit Union Administration past and current call reports is a good step. “What really high-caliber candidates do is they paint a picture of where [the organization has] come from leading up to the current state,” he explains. He also suggests asking any executive search consultant involved in the process about the board members, their hot buttons and the CU’s business model.Lastly, have some open-ended questions you want to ask the board, like what they are afraid of, he advises. “You want to ask questions that the board might have to think about or even talk about among themselves.”The show also gets into:Insights about how a CEO interview will likely flow The role of the executive search consultant during the interview Tips for candidates giving a presentation during an interviewWhy internal candidates should prepare as if they were external candidatesHow to handle awkward silences that might occur during an interviewSigns an interview is going well Links:DDJ MyersCUESolutionsCUES Leadership Development GuideCEO Institute
The Trump Administration has made clear that it is engaged in a regulatory reform effort. One stated goal of that effort is to ensure that administrative enforcement actions rely on legally binding authority such as laws and regulations and that enforcement actions are not brought for “violations” of non-binding materials such as guidance or staff views. The Department of Justice, which is the prime litigating authority for the federal government, has issued statements disclaiming department or agency guidance as legally binding authority. More recently, independent agencies, including the Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the Bureau of Consumer Financial Protection issued an interagency statement stating that “guidance does not have the force and effect of law, and the agencies do not take enforcement actions based on supervisory guidance." And, most recently, the Chairman of the Securities and Exchange Commission stated that “all staff statements are nonbinding and create no enforceable legal rights or obligations of the Commission or other parties.” While potentially a positive step, significant questions remain about the scope of the statements and how they will be implemented in practice.This Teleforum will discuss the implications of these statements and this effort. Will this step rein in regulation through adjudication? Will this step reduce the issuance of guidance itself leading to enforcement against behaviors that could have been redirected through guidance? What role should the federal enforcement authorities play in signaling through guidance and statements what they find problematic when the laws are broad enough to not provide a clear message?Featuring: John C. Richter, Partner, Special Matters and Government Investigations, King & Spalding LLP Teleforum calls are open to all dues paying members of the Federalist Society. To become a member, sign up here. As a member, you should receive email announcements of upcoming Teleforum calls which contain the conference call phone number. If you are not receiving those email announcements, please contact us at 202-822-8138.
The Trump Administration has made clear that it is engaged in a regulatory reform effort. One stated goal of that effort is to ensure that administrative enforcement actions rely on legally binding authority such as laws and regulations and that enforcement actions are not brought for “violations” of non-binding materials such as guidance or staff views. The Department of Justice, which is the prime litigating authority for the federal government, has issued statements disclaiming department or agency guidance as legally binding authority. More recently, independent agencies, including the Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of the Comptroller of the Currency, and the Bureau of Consumer Financial Protection issued an interagency statement stating that “guidance does not have the force and effect of law, and the agencies do not take enforcement actions based on supervisory guidance." And, most recently, the Chairman of the Securities and Exchange Commission stated that “all staff statements are nonbinding and create no enforceable legal rights or obligations of the Commission or other parties.” While potentially a positive step, significant questions remain about the scope of the statements and how they will be implemented in practice.This Teleforum will discuss the implications of these statements and this effort. Will this step rein in regulation through adjudication? Will this step reduce the issuance of guidance itself leading to enforcement against behaviors that could have been redirected through guidance? What role should the federal enforcement authorities play in signaling through guidance and statements what they find problematic when the laws are broad enough to not provide a clear message?Featuring: John C. Richter, Partner, Special Matters and Government Investigations, King & Spalding LLP Teleforum calls are open to all dues paying members of the Federalist Society. To become a member, sign up here. As a member, you should receive email announcements of upcoming Teleforum calls which contain the conference call phone number. If you are not receiving those email announcements, please contact us at 202-822-8138.
Due diligence is a good idea before any credit union purchase. But the National Credit Union Administration actually requires a formal pre-purchase analysis before you buy investments to fund your employee and executive benefits plans. How is this best done? In this podcast, CUNA Mutual Group’s Greg Smyth gives insights and guidance.
Brought to you in part by http://xdi.com Last week, NAFCU CEO said, “NAFCU and our members recommend the agency pursue a course of action focused on increased transparency and public input, with the goal being an expeditious refund to credit unions,” Scheduled to have Carrie Hunt from NAFCU to talk to us about a refund....or is it? The money in the CU Marketplace belongs to the member. Lets talk about it ....live or later. As Executive Vice President of Government Affairs, Hunt gives a voice to NAFCU's members by supporting NAFCU's consistently influential presence on Capitol Hill. She acts as staff liaison to the federal regulatory agencies, such as the Consumer Financial Protection Bureau and the National Credit Union Administration.