Podcasts about ncua

Send us a textGo back to when I started to report on credit unions and there were over 8000 credit unions.  Now there are 4370.  In 2020 there were 5099 credit unions.  Just in five years the count is down by 700+.The math going forward is gloomy.That's why I  smiled when I saw Jason Stverak's CU Insight piece on Why small credit unions matter and how we can help them thrive.Jason is chief advocacy officer at DCUC, the Defense Credit Union Council and is a past podcast guest.  Why is he advocating for keeping little credit unions alive?I had to get him on the show - this episode was recorded on November 12, just hours before the federal government reopened after the longest shutdown in history.We start by talking about what's going on in Washington DC now - and quickly move into why DCUC has become an aggressive lobbyist and then we focus on why small credit unions matter and why DCUC cares.It's good stuff.Listen up.Like what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/This week on With Flying Colors, I'm joined by three longtime colleagues from my days at NCUA — John McKechnie, Alonzo Swann, and Geoff Bacino — for a lively roundtable on where the agency stands today, what's working, and what's at risk.Together, we revisit our shared time inside NCUA and discuss how leadership, budgets, and supervision are evolving in 2025 and beyond. From one-member boards and budget cuts to liquidity lifelines and affordable housing, this episode brings together decades of experience and unfiltered perspective.In this episode, we discuss:What it means for NCUA to operate with only one sitting board memberThe implications of budget reductions and staff shortages on examinationsHow Federal Home Loan Banks have become vital liquidity partners for credit unionsWhy onsite contact and examiner familiarity still matterThe Supreme Court and DOJ developments shaping NCUA's legal authorityThe value of compromise and balanced governance inside NCUAThe political landscape heading into the next election cycle — and what it may mean for credit unionsYou'll hear candid insights, historical context, and even a few friendly football rivalries — the kind of inside conversation that only veterans of the agency can have.

Read the shownotes and full transcript on our site: growyourcreditunion.com Want to learn more about SBS CyberSecurity? Watch this video or visit SBSCyber.com The credit unions succeeding with AI didn't wait for comprehensive vendor solutions or regulatory clarity. They started asking one question: what can employees do with AI today? In this episode of Grow Your Credit Union, host Joshua Barclay welcomes Raymond George, CIO of Clearview Federal Credit Union, as guest co-host, along with Chad Knutson, CEO of SBS Cybersecurity, to explore: Real AI use cases beyond the hype Why vendor management is such a struggle How AI can help you prepare for NCUA exams Why the chief AI officer might become your most important hire Want to know what credit union professionals are really saying about cybersecurity preparedness? SBS Cybersecurity surveyed credit union professionals nationwide about risk management, team support, and examiner expectations. Get the exclusive 2025 Executive Report: The State of Cybersecurity in Credit Unions for key trends, emerging risks, and practical steps you can take today. A huge thanks to our sponsor, SBS CyberSecurity SBS CyberSecurity partners with hundreds of credit unions across the U.S. to deliver tailored cybersecurity solutions that go beyond compliance. We understand the unique challenges credit unions face — limited resources, evolving threats, and increasing regulatory pressure. Our team speaks your language and knows your examiners. Learn more at SBSCyber.com

This is a special Archive Thursday episode of With Flying Colors. In this conversation with Steve Farrar and Todd Miller, we explore what it really means when a credit union is downgraded to a CAMEL Code 4.We discuss the implications for NCUA supervision, administrative actions, and how examiners begin building a formal record. You'll learn about the added burden of frequent exams, the role of letters of understanding and agreements, and how Code 4 status impacts liquidity options, board responsibilities, and long-term viability.Packed with hard-earned insights from decades inside NCUA, this archive episode helps credit unions understand both the risks and the pathways to recovery when facing a Code 4 downgrade

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/In this episode of With Flying Colors, Mark Treichel sits down with David Reed of Reed & Jolly to dive deep into the NCUA's new succession planning rule and what it means for credit unions across the country.Too often, boards and executives focus on writing a policy—but not on the real-world practice of finding and preparing leaders for the future. David explains why succession planning can't stop with “golden handcuffs” or executive retention packages and why the real challenge is board and volunteer succession.Key Topics CoveredThe January 2026 effective date of the NCUA succession planning ruleWhy smaller credit unions face unique challenges when CEOs retire or leave suddenlyThe risks of relying only on the “hit by a bus” plan for executive successionBoard succession struggles: aging volunteers, shrinking social networks, and limited recruitment poolsThe role of advisory boards, director emeritus programs, and board expansion in keeping knowledge while bringing in fresh voicesThe importance of diversity of thought—beyond demographics—to strengthen governancePractical tips for creating a process to identify, recruit, and onboard new volunteersHow nominations policies and ongoing outreach can build a pipeline of future board membersDavid also shares stories from his work with credit unions nationwide, highlighting what works, what doesn't, and how to avoid common pitfalls.Why Listen?If you're a credit union leader, board member, or volunteer, this episode offers realistic, actionable advice on turning succession planning from a compliance checklist into a strategic advantage.

In this archive episode of With Flying Colors, host Mark Treichel welcomes Vin Vitton, retired NCUA Senior Credit Specialist and longtime commercial banker, for an insightful discussion on credit culture—what it is, why it matters, and how it shapes a credit union's lending success.Vin draws on his unique experience working on all three sides of the desk—as a lender, borrower, and regulator—to explain how a strong credit culture begins with board values, flows through management, and guides every credit decision. Together, Mark and Vin unpack key takeaways including:The definition and purpose of credit culture within a credit union.How board values and management philosophy shape consistent lending practices.The importance of reading regulatory preambles to understand NCUA's intent.Why every policy, system, and training program should reinforce a consistent credit approach.How examiners and credit unions can align on “the art” of evaluating risk rather than relying on “paint-by-number” regulation.The role of appropriate structuring, documentation, and open dialogue with examiners.Whether you're a CEO, board member, or senior lender, this episode provides valuable insight into balancing safe and sound lending with member-focused service.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/In this solo episode, Mark Treichel breaks down a hot topic out of Washington: a Senate proposal to raise FDIC deposit insurance coverage from $250,000 to $10 million. Backed by Treasury Secretary Scott Bessent and Senator Elizabeth Warren, the idea is gaining traction — but what would it mean for credit unions?Mark explores:Why big banks are fighting the proposal — and why they might have a pointHow a $10 million FDIC cap could drain the National Credit Union Share Insurance Fund (NCUSIF)The political ripple effects for NCUA premiums and restoration plansWhy credit unions risk losing business accounts if insurance coverage doesn't keep pace with banksAlternatives, like inflation-based adjustments, that could make more sense than a massive jumpIn the end, Mark explains why raising the cap might look like protection, but could really be lipstick on a pig for credit unions and their members.

This Archive Thursday episode of With Flying Colors revisits a timely and important topic: corporate governance. Mark is joined by former NCUA colleagues Todd Miller and Steve Farrar  to explore why governance issues are at the heart of many troubled credit unions.They cover:How poor governance can sink an institution — and how strong governance can turn it around.The importance of tone at the top, ethics, and board oversight.Why diversity of skills, demographics, and perspectives matters for boards.The regulatory framework: NCUA's limited guidance versus FDIC's more robust tools.Resources for directors, including FDIC pocket guides, training, and self-assessments.Real-world stories from examinations, conservatorships, and boardrooms.Whether you're a director, executive, or examiner, this episode highlights why governance is more than compliance — it's culture, accountability, and the foundation of credit union safety and soundness.

Did you know that, if you own your home, a Home Equity Line of Credit or Loan could help you access funds for home improvements, education, debt consolidation, or other major expenses?   John Chevalier knows! And he joins us to share all the ins and outs of leveraging Home Equity to make your dreams come true.  John and his team handle the Mortgage Lending efforts for GainFCU, and that helps Members realize the dream of home ownership. Of course, he also handles the Home Equity Lending efforts, which enable Members to tap into their equity to improve their existing residence, consolidate debts, or just to make their lives easier. Start banking with Gain and enjoy all the benefits you're about to hear about! To Know More visit TheBetterBankingPodcast.com Follow us on social: Facebook: GainCreditUnion Twitter: @gainfcu Instagram: @gainfcu John Chevalier personal NMLS #1053306 The views and opinions expressed by hosts and guests of The Better Banking Podcast are not those of Gain Federal Credit Union. Gain is insured by the NCUA and an Equal Housing Lender. NMLS #407810. ©2025 Gain Federal Credit Union

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/In this episode of With Flying Colors, I sit down with Elizabeth Eurgubian, Partner at Atlas Advocacy and former Director of External Affairs and Communications at the NCUA. Elizabeth brings a wealth of experience spanning the Federal Reserve, CFPB, Sallie Mae, ICBA, CUNA, and her time inside the regulator's office.We discuss:Her unique career path from attorney at the Fed to trade association leadership to NCUA's front officeThe critical role of the Office of External Affairs and Communications (OAC) in shaping policy and messagingInsights into working for Chairman Todd Harper and navigating political appointee rolesThe art of preparing NCUA leadership for congressional testimony (“murder boards”)How credit union comment letters really influence regulationWhy relationships and follow-up are the currency of Washington advocacyHer current work with Atlas Advocacy and DCUCWhether you're a credit union leader, policy professional, or industry observer, this episode gives you an insider's perspective on how advocacy and regulation intersect at the highest levels.

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This is a special Archive Thursday episode of With Flying Colors. In this conversation with Todd Miller and Steve Farrar, we dive into what happens when a credit union is downgraded to a CAMEL Code 3.We explore how NCUA approaches Code 3 institutions, what extra exams and follow-ups to expect, the impact of documents of resolution and regional director letters, and why boards and management must act decisively to restore stability.Packed with decades of insider perspective, this episode is a must-listen for anyone wanting to understand the practical realities of moving from a 1 or 2 to a 3.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/In this solo episode of With Flying Colors, Mark Treichel breaks down the NCUA's proposed rule to eliminate reputation risk from its supervisory program — and the political spotlight surrounding it.Mark explains:Why the N C U A is codifying the removal of reputation risk into regulation.How codification makes the change harder to reverse in the future.The subjectivity of “reputation risk” and why examiners are no longer allowed to use it.The proposal's explicit ban on examiners acting “for political reasons.”Connections to President Trump's Executive Order 14331 and allegations of politically motivated account closures.Examples of industries and groups often caught in the crossfire, from firearms to advocacy organizations.What this means for state regulators, joint exams, and your next exam.Why the NCUA claims there are no new compliance costs.The expected benefits for exam consistency, predictability, and objectivity.Whether you buy into the political narrative or not, this rule is designed to keep examiners out of politically driven decisions.

This week we're bringing back an archive episode of With Flying Colors that remains just as relevant today as when it was first recorded.I'm joined by Steve Farrar and Todd Miller, both longtime NCUA veterans and now part of my team at Credit Union Exam Solutions. Together, we break down what it means if NCUA directs your credit union to conduct an organizational review—and why this is one of the most serious signals an examiner can send.In this episode, we cover:Why an organizational review is almost always tied to serious management or governance weaknesses.How CAMELS codes connect to “unwilling or unable” management findings.The difference between NCUA's approach and how the FDIC structures its organizational review requirements.The role of third-party consultants, approval requirements, and pitfalls boards must avoid.Why humility and proactive planning are key if your credit union receives this directive.War stories from our years at NCUA—including conservatorship cases and tough appraisal calls—that illustrate the real-world consequences.If you've ever wondered what this type of supervisory action means for a board, a CEO, or an examiner, this conversation will give you candid insight from those who have lived it.

Azra and Mark introduce Inclusiv's new business lending program for credit unions in New York state. WHAT YOU WILL LEARN IN THIS EPISODE:✅ How CDFI credit unions can launch or expand their small business lending programs through Inclusiv's eight-week Small Business Capital Initiative training that covers regulations, portfolio development, and community outreach strategies.✅ The benefits of Inclusiv's loan participation marketplace for credit union small business lending, including how credit unions can buy or sell loans while Inclusiv co-invests to share both opportunity and risk with participating institutions.✅ How the loan loss fund provides up to 20% guarantee on charged-off loan balances for community development credit unions engaged in the loan participation marketplace, helping reduce risk for both buyers and sellers.✅ Strategies for credit union lending programs to strengthen their presence in local communities through effective small business technical assistance, marketing outreach, and building high-touch relationships with business lending members.Subscribe to Credit Union Conversations for the latest credit union trends and insights on loan volume and business lending! Connect with MBFS to boost your credit union's growth today.TIMESTAMPS: 00:00 Introduction to credit union services and business lending solutions, including loan participations, SBA lending, and loan workouts for credit unions nationwide and Puerto Rico01:26 Azra shares her career journey in community economic development and working with CDFI credit unions to expand financial inclusion for underserved communities04:07 Discussion of the community outreach of credit unions, making them different from the banking industry 06:05 Overview of Inclusiv as a CDFI network supporting community development to help low and moderate-income communities achieve financial inclusion 08:33 Details on Inclusiv's Small Business Capital Initiative training program launching October 1st, an eight-week course for credit unions to serve small business loan programs 11:28 Explanation of Inclusiv's loan participation marketplace and loan loss fund, and the new Inclusiv Business Forward, helping CDFI credit unions expand small business lending KEY TAKEAWAYS:

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors, host Mark Treichel sits down with Scott Gladden and Kenny Ray Mitchell of Innovations Credit Union to preview the CUES Florida Council Cruise happening January 16–20, 2026. This unique event combines professional development, networking, and a Caribbean getaway—all tailored for credit union leaders, board members, and supervisory committees.What You'll Learn in This Episode:The origins of the CUES Council Cruise and how it became a 20-year tradition of education and collaboration.Event details: sailing on Royal Caribbean's Radiance of the Seas from Fort Lauderdale to Grand Bahama Island and Nassau.Why the cruise is open to all credit union professionals across the country—not just Florida.The speaker lineup, including:John DeLoach, credit union attorney (compliance, BSA, OFAC updates)Trey Rudder, Corporate America (financial training for boards and committees)Mike Mola, Olden Lane (industry consolidation, subordinated debt)Mark Treichel, Steve Farrar, and Todd Miller of CU Exam Solutions (strategies to pass your NCUA exam with flying colors)Perks of the cruise: deluxe beverage package, included Wi-Fi, networking receptions each evening, and a relaxed but focused learning environment.How the informal conversations—over coffee, dinner, or a glass of wine—often prove just as valuable as the sessions themselves.Why Attend? If you're looking to combine professional development with a January getaway, the CUES Council Cruise is an affordable, high-impact option. You'll return with new insights, stronger connections, and renewed energy to lead your credit union.Event Info

For the second straight week, Nebraska clawed its way back from a second-half deficit to pull out a win. Despite Dylan Raiola throwing three interceptions and the Huskers trailing Maryland by 17 points, Nebraska rallied for a 34–30 victory over the Terrapins. In this episode of the Husker Doc Talk Podcast, Travis Justice and Dr. Rob Zatechka break down how the Huskers found a way to win and what this comeback means for the rest of the season. But the biggest storyline emerging this week isn't just Nebraska's resiliency — it's the future of Head Coach Matt Rhule. With Penn State firing James Franklin after a stunning home loss to Northwestern, Rhule's name has quickly surfaced as a top candidate. A Penn State alum and former player, he's already being mentioned across national media outlets. Is the Penn State job truly better than Nebraska? Dr. Rob weighs in with his thoughts — and what it could mean for the Huskers moving forward. Please support our sponsors: This podcast would not be possible without the generosity and support of our sponsors. Gdefy Shoes Like Gdefy Shoes and their patented Verso Shock technology, which offers absorption, body alignment, and a trampoline-like energy, Gdefy shoes are perfect for any activity. They offer a 60-day money-back guarantee, unmatched comfort, and two free orthotics. The holiday season is here, so save money by getting 50% off an order of $120 or more by entering the promo code DOCTALK50 at checkout at Gdefy.com. Husker Hounds Speaking of the holidays, get the Cornhusker fan in your family the best Nebraska gear at Husker Hounds. There are two locations in the Omaha area, and you can find them online at HuskerHounds.com.  The Orr Law Group The legal process can be intimidating. Let the experts at Orr Law Group help you navigate the court system. They handle all types of litigation. Connor Orr and his team are compassionate and caring lawyers who provide a positive and experienced representation to their clients. Get more information from the Orr Law Group.  Centris Federal Credit Union For all your banking needs, turn to Centris Federal Credit Union, the official sponsor of the Doc's Diagnosis. Discover the benefits of membership at Centris Federal Credit Union, member NCUA.  Husker Max Husker Max provides the best Nebraska football and sports information. They distribute this podcast weekly and are the go-to source for all Husker news. 

In this special archive replay of With Flying Colors, Mark Treichel is joined by his colleagues Steve Farrar and Todd Miller — both former senior leaders at NCUA — to discuss why regulators sometimes ask to meet directly with a credit union's board of directors without management present.They break down the nuances, including:When it's routine vs. when it's unusual.Why NCUA may ask to meet with a board chair separately.Situations where examiners want to hear directly from board members.The role of supervisory committees and board governance accountability.How boards should prepare — including when to ask for an agenda, whether to bring counsel, and why you should avoid making commitments in the room.This candid discussion highlights the importance of communication, trust, and preparedness when navigating examiner requests.Key TakeawaysA request to meet with a board chair is often routine and about building trust.A request to meet with the full board without staff is rare — usually a signal of deeper concerns.Boards should listen carefully, avoid agreeing to actions on the spot, and consider legal counsel if appropriate.Examiners are trained in conflict resolution — open, respectful dialogue goes a long way.Recording or documenting meetings can protect both parties and ensure clarity.ResourcesLearn more about how Credit Union Exam Solutions supports boards and executives: marktreichel.comSubscribe to With Flying Colors on your favorite podcast app for more insights on navigating NCUA exams.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Episode Overview: In this episode of With Flying Colors, Mark unpacks NCUA's proposed 2026–2027 budget — a spending plan that reduces staff by 23%, cuts contractors by a third, and reshapes how credit unions will be supervised.What you'll learn:Why NCUA's staff will shrink to 967 employees — the lowest in over 20 yearsWhich offices are hit hardest by the cutsHow the hiring freeze and buyouts are creating exam disruption and turnoverWhy credit unions may see fewer exams, but bumpier interactionsThe role of technology investments and the $10 million “transformation fund”Why the industry is cheering now — and why the pendulum will eventually swing backTakeaway: The 2026 budget gives credit unions breathing room in the short term. But it also introduces risks, creates examiner churn, and sets the stage for future losses that could reverse course.

Nebraska beats Michigan State 38–27 in a game that felt tougher than it had to be.  On this edition of the Husker Doc Talk Podcast, Travis Justice and Dr. Rob Zatechka break down the sacks (12 in two weeks), what the staff is asking Dylan Raiola to do (and not do), and why Mike Eckler's special teams might be Nebraska's best unit right now. They reset Cincinnati's profile after the Iowa State game (that Week 1 Husker win looks stronger), preview Maryland, and hit the national slate: Penn State's slide and James Franklin's ceiling, UCLA's sudden offensive identity, Alabama's steady climb, and Arch Manning vs. the hype. Please support our sponsors: This podcast would not be possible without the generosity and support of our sponsors. Gdefy Shoes Like Gdefy Shoes and their patented Verso Shock technology, which offers absorption, body alignment, and a trampoline-like energy, Gdefy shoes are perfect for any activity. They offer a 60-day money-back guarantee, unmatched comfort, and two free orthotics. The holiday season is here, so save money by getting 50% off an order of $120 or more by entering the promo code DOCTALK50 at checkout at Gdefy.com. Husker Hounds Speaking of the holidays, get the Cornhusker fan in your family the best Nebraska gear at Husker Hounds. There are two locations in the Omaha area, and you can find them online at HuskerHounds.com.  The Orr Law Group The legal process can be intimidating. Let the experts at Orr Law Group help you navigate the court system. They handle all types of litigation. Connor Orr and his team are compassionate and caring lawyers who provide a positive and experienced representation to their clients. Get more information from the Orr Law Group.  Centris Federal Credit Union For all your banking needs, turn to Centris Federal Credit Union, the official sponsor of the Doc's Diagnosis. Discover the benefits of membership at Centris Federal Credit Union, member NCUA.  Husker Max Husker Max provides the best Nebraska football and sports information. They distribute this podcast weekly and are the go-to source for all Husker news. 

After a bye week, the Huskers are back at it with another home game. Nebraska plays Michigan State this weekend. The series with the Spartans has been close in recent history. Dating back to 2014, five games have been decided by a total of 15 points.  Dr. Rob Zatechka and Travis Justice talk about the match-up and what the Huskers need to do to make Dr. Rob is a true believer that things are changing in Lincoln, physically, athletically, and mentally. Please support our sponsors: This podcast would not be possible without the generosity and support of our sponsors. Gdefy Shoes Like Gdefy Shoes and their patented Verso Shock technology, which offers absorption, body alignment, and a trampoline-like energy, Gdefy shoes are perfect for any activity. They offer a 60-day money-back guarantee, unmatched comfort, and two free orthotics. The holiday season is here, so save money by getting 50% off an order of $120 or more by entering the promo code DOCTALK50 at checkout at Gdefy.com. Husker Hounds Speaking of the holidays, get the Cornhusker fan in your family the best Nebraska gear at Husker Hounds. There are two locations in the Omaha area, and you can find them online at HuskerHounds.com.  The Orr Law Group The legal process can be intimidating. Let the experts at Orr Law Group help you navigate the court system. They handle all types of litigation. Connor Orr and his team are compassionate and caring lawyers who provide a positive and experienced representation to their clients. Get more information from the Orr Law Group.  Centris Federal Credit Union For all your banking needs, turn to Centris Federal Credit Union, the official sponsor of the Doc's Diagnosis. Discover the benefits of membership at Centris Federal Credit Union, member NCUA.  Husker Max Husker Max provides the best Nebraska football and sports information. They distribute this podcast weekly and are the go-to source for all Husker news.   

Send us a textWhew, credit unions dodged the threat of loss of their tax exemption - but don't think all is smooth sailing for credit unions in today's turbulent Washington DC.  Lots is happening that may impact credit unions, large and small.On the show is repeat guest Elizabeth Eurgubian, a lobbyist - with the Defence Credit Union Council among her clients - who also has served as NCUA Director of the Office of External Affairs and Communications and Policy Advisor to Chairman Harper.  Before that  she was deputy chief advocacy officer at CUNA and before that she was a vice president and a lobbyist for ICBA.Her specialty is regulatory matters and that means NCUA, but also CFPB and other agencies.In this episode she talks about what's up with NCUA's one person board, the shrinking of CFPB, the GENIUS Act and the opportunity presented by stablecoins, and NCUA's Central Liquidity Enhancements Act and why this matters to smaller credit unions in particular, and also NCUA's recurring paperwork review and how it's an opportunity for credit unions to seek changes at the agency.See: there's a lot happening inside the Beltway.Listen upLike what you are hearing? Find out how you can help sponsor this podcast here. Very affordable sponsorship packages are available. Email rjmcgarvey@gmail.com  And like this podcast on whatever service you use to stream it. That matters.  Find out more about CU2.0 and the digital transformation of credit unions here. It's a journey every credit union needs to take. Pronto

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/In this episode of With Flying Colors, Mark Treichel breaks down the latest NCUA Board Meeting held on September 25, 2025. With only one agenda item—the NCUA Insurance Fund briefing—the discussion still revealed several key insights that credit union leaders need to know. From CAMELS code shifts to the impact of 27% of NCUA staff taking buyouts, Mark unpacks how these developments could shape examinations, budgets, and credit union operations in the months ahead.

Nebraska drops another Big Ten opener, 30–27 to Michigan, and Travis Justice & Dr. Rob Zatechka break down why the score felt closer than the game. From seven sacks and goal-line woes to Michigan's clear edge in speed and physicality, the guys zero in on the offensive tackles, short-yardage issues, and three explosive TD runs allowed. They also defend Dylan Raiola's day (it wasn't on the QB) and compare him to Bryce Underwood, separating arm talent, accuracy, and true dual-threat juice. With a bye week on deck, they outline what can actually be fixed now (OL personnel/scheme tweaks, tackling fits, protection help) and what's a longer project. Then it's a tour around college football: Indiana surges under Curt Cignetti, Wisconsin spirals (is Luke Fickell on the clock?), Florida's brutal slate puts Billy Napier in peril, and why monster buyouts are warping the coaching carousel. Please support our sponsors: This podcast would not be possible without the generosity and support of our sponsors. Gdefy Shoes Like Gdefy Shoes and their patented VersoShock technology, which offers absorption, body alignment, and a trampoline-like energy, Gdefy shoes are perfect for any activity. They offer a 60-day money-back guarantee, unmatched comfort, and two free orthotics. The holiday season is here, so save money by getting 50% off an order of $120 or more by entering the promo code DOCTALK50 at checkout at Gdefy.com. Husker Hounds Speaking of the holidays, get the Cornhusker fan in your family the best Nebraska gear at Husker Hounds. There are two locations in the Omaha area, and you can find them online at HuskerHounds.com.  The Orr Law Group The legal process can be intimidating. Let the experts at Orr Law Group help you navigate the court system. They handle all types of litigation. Connor Orr and his team are compassionate and caring lawyers who provide a positive and experienced representation to their clients. Get more information from the Orr Law Group.  Centris Federal Credit Union For all your banking needs, turn to Centris Federal Credit Union, the official sponsor of the Doc's Diagnosis. Discover the benefits of membership at Centris Federal Credit Union, member NCUA.  Husker Max Husker Max provides the best Nebraska football and sports information. They distribute this podcast weekly and are the go-to source for all Husker news. 

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/In this episode of With Flying Colors, Mark Treichel sits down with Jason Stverak, Chief Advocacy Officer of the Defense Credit Union Council (DCUC), to discuss the pressing issues shaping the credit union movement.Key topics covered:

Welcome to the Husker Doc Talk Podcast! This week, former Husker Dr. Rob Zatechka and Travis Justice break down Nebraska's 59-point rout of Houston Christian. For the second week in a row, the Huskers cruised to victory and gave valuable reps to the backups. But the tune-up games are over—Big Ten Conference play begins, and Michigan is up next. The Wolverines bring star quarterback Bryce Underwood to Lincoln, and Dr. Rob lays out his keys to victory and the pitfalls Nebraska must avoid if they want to move to 4-0. It's not all football this week. Travis and Dr. Rob also shift gears to boxing, where Omaha's own Bud Crawford made history Saturday night with a unanimous decision win over Canelo Alvarez—further cementing his case as one of the greatest fighters of all time. Please support our sponsors: This podcast would not be possible without the generosity and support of our sponsors. Gdefy Shoes Like Gdefy Shoes and their patented VersoShock technology, which offers absorption, body alignment, and a trampoline-like energy, Gdefy shoes are perfect for any activity. They offer a 60-day money-back guarantee, unmatched comfort, and two free orthotics. The holiday season is here, so save money by getting 50% off an order of $120 or more by entering the promo code DOCTALK50 at checkout at Gdefy.com. Husker Hounds Speaking of the holidays, get the Cornhusker fan in your family the best Nebraska gear at Husker Hounds. There are two locations in the Omaha area, and you can find them online at HuskerHounds.com.  The Orr Law Group The legal process can be intimidating. Let the experts at Orr Law Group help you navigate the court system. They handle all types of litigation. Connor Orr and his team are compassionate and caring lawyers who provide a positive and experienced representation to their clients. Get more information from the Orr Law Group.  Centris Federal Credit Union For all your banking needs, turn to Centris Federal Credit Union, the official sponsor of the Doc's Diagnosis. Discover the benefits of membership at Centris Federal Credit Union, member NCUA.  Husker Max Husker Max provides the best Nebraska football and sports information. They distribute this podcast weekly and are the go-to source for all Husker news. 

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Credit Unions vs. Banks: What Q2 Data RevealsIn this episode of With Flying Colors, Mark Treichel is joined by Steve Farrar, Todd Miller, and Dennis Bauer to break down the latest Q2 reports from NCUA and FDIC. Together, they unpack what the numbers really mean for credit unions, banks, and the communities they serve.What you'll learn in this episode:

Dr. Rob Zatechka and Travis Justice are back with another episode of the Husker Doc Talk Podcast. Nebraska dominated Akron in a 68–0 shutout, but as Dr. Rob reminds us, even near-perfect performances leave room for growth. The blowout gave the Huskers a valuable chance to get younger players much-needed game reps, a benefit that will pay off down the road. With another cupcake matchup on deck against Houston Christian, Travis and Dr. Rob shift gears to the broader landscape of college football. From early-season surprises to head coaches already feeling the heat, the guys break down who's in trouble and why. It's Husker football, national perspective, and plenty of Doc Talk honesty—tune in for the full breakdown. Please support our sponsors: This podcast would not be possible without the generosity and support of our sponsors. Gdefy Shoes Like Gdefy Shoes and their patented VersoShock technology, which offers absorption, body alignment, and a trampoline-like energy, Gdefy shoes are perfect for any activity. They offer a 60-day money-back guarantee, unmatched comfort, and two free orthotics. The holiday season is here, so save money by getting 50% off an order of $120 or more by entering the promo code DOCTALK50 at checkout at Gdefy.com. Husker Hounds Speaking of the holidays, get the Cornhusker fan in your family the best Nebraska gear at Husker Hounds. There are two locations in the Omaha area, and you can find them online at HuskerHounds.com.  The Orr Law Group The legal process can be intimidating. Let the experts at Orr Law Group help you navigate the court system. They handle all types of litigation. Connor Orr and his team are compassionate and caring lawyers who provide a positive and experienced representation to their clients. Get more information from the Orr Law Group.  Centris Federal Credit Union For all your banking needs, turn to Centris Federal Credit Union, the official sponsor of the Doc's Diagnosis. Discover the benefits of membership at Centris Federal Credit Union, member NCUA.  Husker Max Husker Max provides the best Nebraska football and sports information. They distribute this podcast weekly and are the go-to source for all Husker news. 

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA's Commercial Loan Rule requires a rating system.  I discuss what it requires with Vin Vieten, author of the rule.

Welcome to the Husker Doc Talk Podcast with former Husker Dr. Rob Zatechka and Travis Justice. The Huskers are 1-0 after beating Cincinnati in the season opener. They are now getting ready for the first home game of the season against Akron. This should be an automatic win for Nebraska. The Zips lost their opening game of the season, 10-0, against Wyoming. Please support our sponsors: This podcast would not be possible without the generosity and support of our sponsors. Gdefy Shoes Like Gdefy Shoes and their patented VersoShock technology, which offers absorption, body alignment, and a trampoline-like energy, Gdefy shoes are perfect for any activity. They offer a 60-day money-back guarantee, unmatched comfort, and two free orthotics. The holiday season is here, so save money by getting 50% off an order of $120 or more by entering the promo code DOCTALK50 at checkout at Gdefy.com. Husker Hounds Speaking of the holidays, get the Cornhusker fan in your family the best Nebraska gear at Husker Hounds. There are two locations in the Omaha area, and you can find them online at HuskerHounds.com.  The Orr Law Group The legal process can be intimidating. Let the experts at Orr Law Group help you navigate the court system. They handle all types of litigation. Connor Orr and his team are compassionate and caring lawyers who provide a positive and experienced representation to their clients. Get more information from the Orr Law Group.  Centris Federal Credit Union For all your banking needs, turn to Centris Federal Credit Union, the official sponsor of the Doc's Diagnosis. Discover the benefits of membership at Centris Federal Credit Union, member NCUA.  Husker Max Husker Max provides the best Nebraska football and sports information. They distribute this podcast weekly and are the go-to source for all Husker news. 

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/COMMERCIAL CREDIT RISKS Rising commercial credit risks - Why regulators are worried Work-from-home impact on commercial real estate Rate shock reality: 3-4% loans resetting to 6-7%Minneapolis downtown real estate down 25% CECL forecasting challenges and provision expensesNCUA's hyperfocus on annual review processes Empty office buildings near NCUA headquarters

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Episode SummaryIn this episode of With Flying Colors, I'm joined by two longtime friends and former NCUA colleagues — John McKechnie and Geoff Bacino — for a candid roundtable on the latest twists at the agency and across the credit union movement.From the legal limbo over NCUA board seats to the agency's shrinking staff and the Supreme Court case that could reshape presidential power, we dig into what it all means for your credit union. We also cover the leadership change at America's Credit Unions, the future of CFPB oversight, and what to expect from NCUA's upcoming strategic planning town hall.And yes — we wrap up with some NFL predictions (with John's Ravens, Geoff's Bears, and my Vikings all getting their fair share of good-natured ribbing).What You'll Learn in This EpisodeThe latest on the NCUA board shake-up: Harper, Ska, Trump, and the courtsHow the Humphrey's Executor Supreme Court case could upend federal regulatory appointmentsWhat NCUA's staff buyouts and hiring freeze mean for supervision and examinationsWhy communication between credit unions and regulators is more critical than everInsights on America's Credit Unions' new CEO Scott Simpson and what his leadership could signalThe future of CFPB oversight and how credit unions should prepare for the next compliance pendulum swingWhy the upcoming NCUA strategic planning town hall is a chance for credit unions to speak upSome football predictions to lighten the mood — Ravens, Bears, and Vikings fans, take note

It's officially Game Week for Nebraska football! Travis Justice and Dr. Rob Zatechka dive deep into the season opener against Cincinnati at Arrowhead Stadium. From the scarlet-and-cream color debate (no, not crimson!) to breaking down the offensive line depth chart, the guys tackle the big questions Husker fans are asking: Can Nebraska's O-line finally be the foundation of this team? Will Emmett Johnson carry the load at running back, or is the depth too thin? How quickly will new transfer receivers like Dane Key and Isaiah Hunter click with Dylan Raiola? Is this defense—especially the secondary and linebackers—ready to handle Cincinnati QB Brendan Soresby's dual-threat ability? They also discuss: Early-season sloppiness across college football and how it might show up Thursday night. The expectations for Matt Rhule in Year 3—is nine wins enough, or is 10 the magic number? The chess match between the Big Ten and SEC over playoff expansion and scheduling. Road trip memories from the '90s and why neutral-site openers can be tricky. Life updates as both Travis and Rob officially step into “empty nester” mode. And don't forget—immediately after the game Thursday night, Travis and Dr. Rob will go live on YouTube for postgame reaction, fan calls, and instant analysis. Make sure you hit that subscribe button and join the conversation! Please support our sponsors: This podcast would not be possible without the generosity and support of our sponsors. Gdefy Shoes Like Gdefy Shoes and their patented VersoShock technology, which offers absorption, body alignment, and a trampoline-like energy, Gdefy shoes are perfect for any activity. They offer a 60-day money-back guarantee, unmatched comfort, and two free orthotics. The holiday season is here, so save money by getting 50% off an order of $120 or more by entering the promo code DOCTALK50 at checkout at Gdefy.com. Husker Hounds Speaking of the holidays, get the Cornhusker fan in your family the best Nebraska gear at Husker Hounds. There are two locations in the Omaha area, and you can find them online at HuskerHounds.com.  The Orr Law Group The legal process can be intimidating. Let the experts at Orr Law Group help you navigate the court system. They handle all types of litigation. Connor Orr and his team are compassionate and caring lawyers who provide a positive and experienced representation to their clients. Get more information from the Orr Law Group.  Centris Federal Credit Union For all your banking needs, turn to Centris Federal Credit Union, the official sponsor of the Doc's Diagnosis. Discover the benefits of membership at Centris Federal Credit Union, member NCUA.  Husker Max Husker Max provides the best Nebraska football and sports information. They distribute this podcast weekly and are the go-to source for all Husker news. 

Succession planning isn't just a boardroom checkbox—it's a strategic safeguard for your credit union's future. In this episode, Scott Anderle is joined by a panel of industry leaders and Target Leadership graduates including: Peter Tyson, Sarah Thompson, John Ragsdale, and David Baldwin. They break down how intentional leadership development creates real, sustainable solutions to one of the credit union movement's most urgent challenges. With credit union consolidations on the rise and retirements looming, we dive into what it takes to build leadership bench strength that's ready when it counts. Learn how Target Leadership helps leaders understand themselves, their teams, and their next role. This conversation is packed with practical takeaways, real-life impact, and timely reminders that succession planning is not optional—it's mission critical. In this episode we talk about and answer these questions: • What makes the NCUA's new succession planning rule such a game-changer? • How can small and mid-size credit unions tackle leadership gaps with limited resources? • Why was Target Leadership created—and what problem does it actually solve? • What's the role of leadership voice, triggers, and EQ in preparing for succession? • What are practical ways leaders can track growth and readiness on their teams? • How did Target Leadership graduates apply their training in real-life situations? Click Here to Submit Your Questions Links from show: Read NCUA's Succession Planning Final Rule Download NCUA's Succession Planning Template for Small Credit Unions Future-Proof Your Credit Union – CU Insight Click here to sign up for the New Employee Bundle (Sales, Service and History) Learn More About the Target Leadership Course Subscribe to ServiStar Leadership Podcast on your favorite streaming service

August offers the perfect opportunity to reset your finances before the busy end-of-year season. Casey, a financial education specialist with over 10 years at Centric Credit Union, shares practical strategies to manage expenses during the costly back-to-school season and beyond.• Back-to-school expenses can exceed holiday spending costs, with basic public school fees alone costing hundreds of dollars• The free Centric Credit Union app features an Insights tool that automatically categorizes spending and helps create custom budgets• Setting up spending alerts at 80% of your budget provides accountability and prevents overspending• Distinguishing between needs versus wants is crucial during financially intensive seasons• Taking time to evaluate your spending patterns can reveal "sneaky spending" habits that derail your budget• The budgeting tools can automatically tag recurring vendors to specific categories, making expense tracking easierDownload or open your Centric Credit Union app to explore these financial management tools. Find more resources, tips and inspiration at mycentricorg. Centric is federally insured by the NCUA.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA recently posted new guidance on how to start an exam efficiently — and for many credit unions, it couldn't come at a better time.In this episode of With Flying Colors, Mark Treichel is joined by Todd Miller, Steve Farrar, and Dennis Bauer to break down what's in the guidance, why it was issued, and how credit unions can put it into practice. With over 120 years of combined NCUA and credit union leadership experience, they share practical steps to streamline exam prep, avoid duplicate requests, and manage the growing number of specialists.You'll learn:Why NCUA may be tightening its exam process — and what's driving the changeThe importance of a “gatekeeper” role to coordinate all examiner requestsHow offsite exams and specialist involvement can create inefficiencies (and how to counter them)The behind-the-scenes impact of staff losses and policy changes at NCUATips to avoid last-minute scrambles and make your exam go smootherWhether you're a CEO, CFO, risk manager, or board member, this conversation will give you actionable insights to protect your time and your team's sanity — while keeping your next exam on track.

Welcome back, Husker fans! We appreciate your patience, and we've got good news—this is the first of our weekly podcasts all the way through the season. If you're watching on YouTube, do us a favor: hit subscribe on the Doc Talk channel, give this video a like, and start leaving your comments. And don't forget, you can follow Dr. Rob on X at @doctalksports, and make sure you check out our Facebook page as well. A lot has happened since our last episode—family updates, new studio, new shoes, even a brand-new grandbaby in the Justice family. But now it's time to shift gears, because Husker football is almost here. Nebraska kicks things off in less than two weeks against Cincinnati at Arrowhead Stadium. That means we're talking uniforms, playoff expansion, win totals, and what year three of the Matt Rhule era really looks like. And yes—we'll go game by game and give you our predictions. Does Nebraska finally take that next step? Is nine wins enough, or do the Huskers need ten to call this season a success? Strap in—Travis Justice and Dr. Rob Zatechka are ready to break it all down, right now, on the Husker Doc Talk Podcast. Please support our sponsors: This podcast would not be possible without the generosity and support of our sponsors. Gdefy Shoes Like Gdefy Shoes and their patented VersoShock technology, which offers absorption, body alignment, and a trampoline-like energy, Gdefy shoes are perfect for any activity. They offer a 60-day money-back guarantee, unmatched comfort, and two free orthotics. The holiday season is here, so save money by getting 50% off an order of $120 or more by entering the promo code DOCTALK50 at checkout at Gdefy.com. Husker Hounds Speaking of the holidays, get the Cornhusker fan in your family the best Nebraska gear at Husker Hounds. There are two locations in the Omaha area, and you can find them online at HuskerHounds.com.  The Orr Law Group The legal process can be intimidating. Let the experts at Orr Law Group help you navigate the court system. They handle all types of litigation. Connor Orr and his team are compassionate and caring lawyers who provide a positive and experienced representation to their clients. Get more information from the Orr Law Group.  Centris Federal Credit Union For all your banking needs, turn to Centris Federal Credit Union, the official sponsor of the Doc's Diagnosis. Discover the benefits of membership at Centris Federal Credit Union, member NCUA.  Husker Max Husker Max provides the best Nebraska football and sports information. They distribute this podcast weekly and are the go-to source for all Husker news. 

How do we minimize the risks of mergers? Most leaders do not want to leave their legacy to be swallowed by another organization. While the leaders of tomorrow want opportunity, not mergers that eat up potential leadership positions. Our members want the best resources and service. More than ever our movement is starving for succession planning. How do we equip the next generation of our movement   In this episode we talk about and answer these questions: The Cost of Poor Succession Planning How would you know if a task is not something that should be delegated? When leading change, How would you approach an employee who is in a fixed mindset to embrace a growth mindset? When setting a SMART goal. What do you do when you do not have the tools to measure the goal? What to do next in regards to the NCUA's Succession Planning Final Rule   Click Here to Submit Your Questions   Links from show: Read NCUA's Succession Planning Final Rule Download NCUA's Succession Planning Template for Small Credit Unions  Click here to sign up for the New Employee Bundle (Sales, Service and History)  Subscribe to ServiStar Leadership Podcast on your favorite streaming service

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA's regulation define what can be appealed.  But you can appeal ANYTHING to the region.  We discuss how whey and when you might want to do it.

Banking on Fraudology is part of the Fraudology Podcast Network.In this eye-opening episode of Banking on Fraudology, host Hailey Windham dives into a critical development in the financial fraud prevention landscape. Fresh off a cruise where she performed her fraud-prevention parody of Meghan Trainor's "No," Hailey shifts gears to discuss a major opportunity for fraud professionals to shape future policy. The CFPB, NCUA, FDIC, OCC, and the Fed have issued a joint request for information, seeking input from industry experts on how to address rising threats in digital payments fraud.Hailey breaks down the key areas regulators are focusing on, including effective fraud prevention tools, barriers to data sharing, industry collaboration, consumer education, and regulatory gaps. She emphasizes the importance of credit unions and regional banks participating in this conversation, as their unique perspectives and challenges need representation. The host provides actionable advice for listeners, encouraging them to read the summary, discuss it with their teams, and submit comments before the September 18 deadline.This episode serves as a rallying cry for fraud fighters to seize this rare opportunity to influence regulatory policy directly. Hailey's passion for the subject shines through as she urges listeners to elevate each other's voices and show up "smart and aligned." Don't miss this chance to make your experience count in shaping the future of fraud prevention. Listen now and prepare to make your voice heard in this crucial industry conversation.https://americascus.widen.net/view/pdf/e03c71f0-112b-4e61-a57b-b6f8bffb6911/Interagency[…]&_hsmi=368732194&utm_content=368732194&utm_source=hs_emailAbout Hailey Windham:As a 2023 CU Rockstar Recipient, Hailey Windham, CFCS (Certified Financial Crimes Specialist) demonstrated unbounding passion for educating her community, organization and credit union membership on scams in the market and best practices to avoid them. She has implemented several programs within her previous organizations that aim at holistically learning about how to prevent and detect fraud targeted at membership and employees. Windham's initiatives to build strong relationships and partnerships throughout the credit union community and industry experts have led to countless success stories. Her applied knowledge of payments system programs combined with her experience in fraud investigations offers practical concepts that are transferable, no matter the organization's size. Connect with Hailey on LinkedIn: https://www.linkedin.com/in/hailey-windham/

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA in Limbo: What the Board Shakeup Means for Credit UnionsEpisode Date: July 28, 2025 Host: Mark Treichel Episode SummaryThe NCUA board is in complete chaos following President Trump's firing of board members Todd Harper and Tanya Otsuka, their court-ordered reinstatement, and subsequent legal stay. Mark breaks down the dramatic week of legal battles, analyzes what happened during last Thursday's awkward board meeting, and predicts the 80% chance Harper and Otsuka won't return permanently.Key Topics CoveredThe Legal Drama TimelineTrump's firing of Harper and OtsukaFederal court ruling that Trump violated the Federal Credit Union ActWednesday court decision ordering immediate reinstatementWeekend stay blocking their returnLikely Supreme Court appeal aheadLast Thursday's Board Meeting AnalysisHarper and Otsuka's awkward return (Harper via video, Otsuka in person)Three "safe" briefings: AI, CLF, and the new Ombudsman officeThe "500-pound elephant in the room" that everyone avoidedWhy staff is in an impossible positionWhat's Next for the Board80% odds Harper and Otsuka don't return permanentlyKyle Huffman's term expires next monthPossibility of Trump appointing 2-3 new board members before year-endImpact of onboarding multiple new board members simultaneouslyInspector General Report BombshellCritical Infrastructure Division Director scandal exposedFalse statements on background investigationsSending sensitive NCUA documents to personal emailUnauthorized outside employment while at NCUAPossible connection to unauthorized AI usageBudget ImplicationsTwo-year budget cycle hanging in limboNo mid-year budget briefing despite historical precedentHow a Republican board majority might cut costs to credit unionsAugust board meeting hiatus continues traditionNotable Quotes"The 500 pound elephant in the room relative to the whole issue, all three sides avoided.""I would say 80% chance that they do not come back and that the places will be filled before the end of the year.""The professionalism of staff is well above average. And while they're going through all these things, it's chaotic."Upcoming ContentMark announces the OCC Risk Report series - breaking down his longer three-person discussion with Dennis, Steve, and Todd into shorter Thursday episodes throughout the summer. These will explore OCC findings and their implications for credit union examinations.

We sat down with Elizabeth Eurgubian, former NCUA Board Member, to explore the current state of the National Credit Union Administration and what it means for the financial services industry. The NCUA is structured to operate with a bipartisan, three-member board--with members appointed by the President and confirmed by the Senate. Since the election, the NCUA Board has been functioning with fewer than three members, raising important questions about oversight, governance, and decision-making. This episode will examine the practical and policy implications for the financial services industry when the NCUA Board is not fully staffed, and whether this could lead to an environment of more centralized regulators. We will also discuss the difference in regulatory conduct between Credit Unions and Banks and the recent hot topic of tax-exempt status for CUs.Send us a textPresented by Remedy ConsultingTechnology Contract Negotiation & System Assessments, T&C Improvements, and FI Strategic Planning.For more information on BankTalk:BankTalk WebsiteSubscribe to BankTalk NewsRemedy Consulting WebsiteRemedy LinkedInTo speak on the BankTalk Podcast, please email us.

This Day in Legal History: Grant DiesOn July 23, 1885, Ulysses S. Grant—former president and Union general—died of throat cancer at age 63. While honored as a national hero, Grant spent his final years in financial ruin due to a high-profile fraud scandal. He had invested heavily in a Wall Street brokerage firm, Grant & Ward, run in part by his son and the scheming financier Ferdinand Ward. Ward operated what would now be recognized as a Ponzi scheme, using incoming investments to pay off earlier clients and falsely promising high returns. When the scheme collapsed in 1884, Grant lost virtually everything, and the public was stunned to see a former president facing poverty.Rather than accept charity, Grant chose to write his memoirs as a final act of financial restoration. He completed them just days before his death, and their publication by Mark Twain's publishing house ultimately secured his family's financial future. Meanwhile, Ferdinand Ward was arrested, tried, and convicted of grand larceny in 1885. He served six years in prison, and his case became one of the most publicized white-collar crime prosecutions of the 19th century.Legally, the case underscored the absence of federal oversight in securities and investment practices during the Gilded Age. There were no federal securities laws or regulatory agencies at the time, and prosecution of fraud fell to local authorities using traditional theft statutes. The scandal later became a reference point in discussions around the need for more structured investor protections, eventually influencing the rationale for the Securities Act of 1933 and the Securities Exchange Act of 1934. Grant's financial downfall, despite his stature, revealed the vulnerability of even prominent individuals to unchecked financial fraud.A federal judge ruled that President Trump unlawfully removed two Democratic members of the National Credit Union Administration (NCUA) board. U.S. District Judge Amir Ali held that the firings of Todd Harper and Tanya Otsuka in April violated congressional protections that limit when board members can be dismissed. The decision orders both officials reinstated. At the time of their removal, only one board member remained—Republican Chairman Kyle Hauptman—leaving a regulatory gap in oversight of the $2.3 trillion credit union sector.Harper, initially appointed by Trump in 2019 and later elevated to chairman by President Biden, was serving a term set to expire in 2027. Otsuka was confirmed in 2023 with a term ending in 2029. Both argued their dismissals were unprecedented in the NCUA's nearly 50-year history. The Trump administration defended the firings by asserting broad presidential authority to remove such officials at will, a position echoed in other disputes over the limits of executive power at independent agencies. The ruling reinforces the legal principle that certain regulatory positions are protected from politically motivated removals.US judge rules Trump illegally fired two Democratic members of credit union agency | ReutersThe U.S. Court of Appeals for the D.C. Circuit dismissed a class action lawsuit brought by eight Malian citizens against Hershey, Nestlé, and five other major cocoa companies. The plaintiffs alleged they were trafficked as children and forced to work under brutal conditions on cocoa farms in Ivory Coast. They sought to hold the companies liable under U.S. laws against human trafficking and forced labor. However, the court ruled 3-0 that the complaint failed to plausibly connect the plaintiffs' forced labor to cocoa specifically sourced by the defendants.Judge Justin Walker wrote that while the companies purchase a large share of Ivorian cocoa, the complaint did not establish that the cocoa harvested by the plaintiffs ended up in the defendants' supply chains. The court emphasized that a general connection to a region is insufficient to meet legal standards for liability under trafficking laws. The trial court had previously ruled in favor of the companies in 2022.The plaintiffs' attorney, Terry Collingsworth, criticized the ruling, arguing that global corporations are effectively shielded from accountability by the opacity of their supply chains. He said his clients are considering further legal action. This decision follows a March 2024 ruling by the same court that dismissed similar claims against tech companies over child labor in cobalt mining in the Democratic Republic of the Congo.Hershey, Nestle, other cocoa companies defeat appeal of child slavery lawsuit | ReutersThe U.S. Court of Appeals for the Third Circuit ruled that New Jersey cannot enforce its 2021 law banning new contracts for immigrant detention facilities. The court sided with CoreCivic, a major private prison operator, which had sued the state over the law's potential to block the renewal of its contract for a 300-bed detention center near Newark Airport. In a 2-1 decision, the panel held that New Jersey's ban unconstitutionally interferes with federal immigration enforcement, which relies heavily on private detention centers.Writing for the majority, Judge Stephanos Bibas stated that states cannot obstruct the federal government's operational choices, including its use of private contractors. The ruling emphasized that immigration enforcement is a federal domain, and state laws cannot disrupt its execution. Judge Thomas Ambro dissented, arguing the law only regulated state and local government actions, not the federal government directly.The case has national implications, as the federal government under both Republican and Democratic administrations has defended its authority to contract with private facilities for immigration detention. Critics, including New Jersey's attorney general and immigrant rights groups, argue that privatized detention presents serious health and safety risks and prioritizes profit over human rights. The ruling follows similar court decisions, including a 2022 case blocking California's comparable law while upholding a narrower Illinois statute.US court blocks New Jersey ban on immigrant detention in CoreCivic lawsuit | ReutersA federal judge in Manhattan formally dismissed a mail fraud case that had been effectively resolved over three decades ago but never officially closed. The defendant, Yousef Elyaho, was charged in 1991 with one count of conspiracy to commit mail fraud. In 1993, he entered a deferred prosecution agreement, and his bond was released, meaning the case should have been dismissed if he complied with the agreement. However, due to an apparent administrative oversight, the case remained open on the docket for 32 years.No legal action occurred until 1999, when the case was oddly marked as reassigned to “Judge Unassigned,” and then sat idle for another 26 years. It was only in 2025 that the case came to the attention of U.S. District Judge Ronnie Abrams, who officially closed it. Assistant U.S. Attorney Frank Balsamello acknowledged in a court filing that the government had intended to dismiss the case back in 1993.This unusual situation highlights how clerical errors can leave cases unresolved, despite defendants meeting their legal obligations. The judge's action brings formal closure to a prosecution that, in practice, ended decades ago.US ends a mail fraud case, 32 years late | ReutersAnd in a piece I wrote for Forbes this week:I draw a comparison between ancient Egypt's pyramid-building and the current surge in data center construction across the United States. In both cases, monumental building serves more as a symbol of legitimacy and power than as a practical investment in public welfare. Pharaohs once drained resources to erect ever-larger pyramids, eventually destabilizing their own society. Today, states offer enormous tax incentives to attract data centers—facilities that often generate minimal long-term employment while consuming huge amounts of electricity and water.In the piece, I focus on how these data centers, like the pyramids, have become political symbols. They are marketed as engines of innovation and economic growth but often leave the public footing the bill for infrastructure costs and strained utilities. For example, Pennsylvania passed a $75 million tax exemption for data centers, and similar policies have ballooned to over $1 billion in Texas. Meanwhile, the promised economic benefits frequently fail to materialize.I argue that this race to build tech infrastructure, without considering long-term sustainability or community impact, mirrors a historical pathology: spectacle overtaking substance. These facilities may one day be ruins of a different kind—monuments not to progress, but to political ambition and misaligned priorities.The Pharaohs Built Pyramids—We Build Data Centers This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

Elizabeth Eurgubian, partner at Atlas Advocacy and former NCUA policy advisor helps us break down the legal significance of the judge's ruling in the Harper-Otsuka case. 

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Global Cash Flow.  What is it and why does NCUA care?

What happens when artificial intelligence can write better essays than your students—and they don't even know the difference? In this thought-provoking episode, Dr. Bill Davis from Covenant College explores the ethical implications of AI in education and beyond. From the classroom challenges of detecting AI-generated work to the broader questions of human expertise versus machine efficiency, this conversation digs deep into how tools like ChatGPT and Claude are reshaping learning, medicine, and human interaction. Dr. Davis shares practical insights on teaching students to recognize the difference between human creativity and statistically-generated text, while examining the critical question: How do we maintain human agency and wisdom in an increasingly AI-driven world? Whether you're an educator, parent, or simply curious about AI's role in society, this episode offers essential perspectives on navigating the promises and perils of artificial intelligence.   Resources: https://covenant.edu/   Departing In Peace: Biblical Decision-Making at the End of Life by Dr. Bill Davis on Amazon - https://www.amazon.com/Departing-Peace-Biblical-Decision-Making-Life/dp/1629952591   This episode of Refining Rhetoric is sponsored by:   Many Americans across the country that feel stuck with their financial institution simply because the idea of switching feels too overwhelming. The team at America's Christian Credit Union helps make the process easy. Whether it's looking for better business banking or seeking a financial partner that shares your values, ACCU is here to serve you. If you're ready to align your banking with your beliefs, it's time to make the switch to ACCU.   Visit www.AmericasChristianCU.com/CC to learn more and get started today.   America's Christian Credit Union is federally insured by the NCUA.   We're partnering with Dad Tired to give away two free tickets to their upcoming retreat—a weekend designed to equip, refresh, and connect Christian fathers who are serious about living out their calling. Whether you're a longtime listener or just discovering our show, this is your chance to invest in your walk with Christ, your leadership at home, and your brotherhood with other men doing the same. Here's how to enter: head to the Refining Rhetoric Instagram (or follow this link: https://www.instagram.com/p/DLptZ2DO7Z7/?utm_source=ig_web_copy_link&igsh=MzRlODBiNWFlZA==), look for the pinned post about the Dad Tired Retreat giveaway and follow the instructions in the caption. 

After a long break, Travis Justice and Dr. Rob Zatechka return to break down all the drama heating up Husker Nation. Scott Frost made headlines at Big 12 Media Days with controversial comments about his time at Nebraska, and Husker fans aren't happy. Are their frustrations fair, or are emotions running too high? Plus, the House Settlement is reshaping the college athletics landscape. How is Nebraska adapting, and what does it mean for the future of Husker sports? It's a new era, same real talk — welcome back to the Husker Doc Talk Podcast! Please support our sponsors: This podcast would not be possible without the generosity and support of our sponsors. Gdefy Shoes Like Gdefy Shoes and their patented VersoShock technology, which offers absorption, body alignment, and a trampoline-like energy, Gdefy shoes are perfect for any activity. They offer a 60-day money-back guarantee, unmatched comfort, and two free orthotics. The holiday season is here, so save money by getting 50% off an order of $120 or more by entering the promo code DOCTALK50 at checkout at Gdefy.com. Husker Hounds Speaking of the holidays, get the Cornhusker fan in your family the best Nebraska gear at Husker Hounds. There are two locations in the Omaha area, and you can find them online at HuskerHounds.com.  The Orr Law Group The legal process can be intimidating. Let the experts at Orr Law Group help you navigate the court system. They handle all types of litigation. Connor Orr and his team are compassionate and caring lawyers who provide a positive and experienced representation to their clients. Get more information from the Orr Law Group.  Centris Federal Credit Union For all your banking needs, turn to Centris Federal Credit Union, the official sponsor of the Doc's Diagnosis. Discover the benefits of membership at Centris Federal Credit Union, member NCUA.  Husker Max Husker Max provides the best Nebraska football and sports information. They distribute this podcast weekly and are the go-to source for all Husker news. 

Almost every adult has a checking account. Many of us may have more than one. Checking accounts are more than just a place to save and spend money, many come with additional benefits like saving perks, cash back promos and even protective services for you and your family.  Links:  Learn more about Triangle's Better Checking account with ID Protect Already have Better Checking? Access your benefits through the Better Checking website.  Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union  Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   Choosing the right financial institution is a significant decision, and we're thrilled that you've selected Triangle Credit Union as your trusted financial partner. Your trust in our institution is something we hold dear, and we are committed to providing you with a banking experience that goes the extra mile. At Triangle, we have a checking account that is right for everyone, at every stage of their financial lifetime. Now is an excellent time to review your financial goals, accounts, and the benefits available to you. Here are a few reasons why you should consider either a Basic or Better Checking account at Triangle Credit Union for you and your family:  1. Worry-free Banking Benefits – Our checking accounts include the convenience of our network of surcharge-free ATMs, neighborhood locations, flexible branch hours, and peace of mind knowing that your deposits are covered up to $250,000 by the NCUA. 2. Team of Professionals, here for you – Our friendly, knowledgeable customer service representatives are eager to help you meet your goals. 3. More Savings and Benefits by Using Your Account Wisely – Let us show you how to use your account to its maximum advantage, such as getting cash back with Purchase Rewards and setting up direct deposit to get paid up to two days early. 4. Tons of Account Freebies – Mobile and online banking, remote deposit, and a free debit card are just a few of the things you receive as part of every Triangle Basic or Better Checking account.  5. Additional Features with Better Checking - with a Better Checking account, you are entitled to additional features, for a nominal fee of $4.99 a month, that on their own could easily cost you more than $50 per month. Identity Theft Monitoring Services – rest easy knowing that you have access to free monitoring services that can alert you if changes to your credit file are detected, or if your personal information is discovered on the dark web.  Identity Theft Expense Reimbursement Insurance – up to $25,000 in reimbursable expenses if you find that you are a victim of identity theft.  Professional Identity Theft Remediation Services – an experienced team of professional, certified identity theft recovery advocates will help you to reverse the damage if you suspect identity theft for any reason.  Mobile Phone Protection – know that you can stay connected when the worst happens, and your mobile phone is damaged, or stolen.     If you are already a Better Checking account holder, you're ahead of the game and set up with great savings.  Looking for ways that you can save even more? We're only a click, tap, or phone call away. Reach out today–we are here to provide you with personalized guidance and can help you find the financial products and services that meet your needs.  If there are any other tips or topics you would like us to cover, let us know at tcupodcast@trianglecu.org. Like and follow our Making Money Personal FB and IG page and look for our sponsor, Triangle Credit Union on social media to share your thoughts.   Thanks for listening to today's Money Tip Tuesday and check out our other tips and episodes on the Making Money Personal podcast.   Have a great day! 

Ready to dive into the wild world of credit union predictions? Want to know what's next for the financial landscape in 2025? Join host Mark Ritter and COO of MBFS Jeff Lyons in this lively episode of Credit Union Conversations as they toss out bold forecasts for the rest of the year! From the chaotic twists of the NCUA board saga to the buzz around potential interest rate cuts by the Federal Reserve, Jeff and Mark unpack what's shaking up the industry. Expect spirited banter on how tariffs might play out as a cheeky negotiation tool and why the loan marketplace is hotter than a summer barbecue. Tune in for a quick, fun ride through the economic crystal ball!IN THIS EPISODE:(00:00) Introduction(01:14) Discussion on NCUA board chaos, highlighting legal ambiguity in removing board members, predicting Supreme Court resolution(04:25) Prediction on interest rates, expecting a half-point Federal Reserve cut by year-end (06:41) Tariffs discussed as a negotiation tool and the budget deal in Congress (11:15) Discussion of the loan marketplace outlook for credit unions and home values(13:00) Focus on SBA loans and home-based businesses, predicting a boom in startups due to economic conditionsKEY TAKEAWAYS: Legal uncertainty surrounds the removal of NCUA board members, which is likely to be upheld after Supreme Court appeals.Anticipated a half-point Federal Reserve interest rate cut by year-end, with stable inflation and low unemployment.Tariffs are being used as a negotiation tool, with minimal impact on trade, and modest 10% tariffs are expected, particularly on manufacturing from China.RESOURCE LINKSMark Ritter - WebsiteMark Ritter - LinkedInJeff Lyons - LinkedInKEYWORDS: Credit Union, MBFS, NCUA Board, Interest Rates, Federal Reserve, Inflation, Unemployment, Tariffs, Negotiation Tool, Trade, Loan Marketplace, SBA Loans, Home-based Businesses, Budget Deal, Economic Conditions, Supreme Court, Business Startups, Consumer, Tax Cuts, Credit Union Predictions, Financial Landscape 2025

In This Episode Live from the main stage at Arizent's Digital Banking 2025, this high-energy episode of Breaking Banks brings the regulatory heat. Host Jason Henrichs is joined by Alex Johnson (Fintech Takes) and Dara Tarkowski (Actuate Law) for unfiltered, rapid-fire takes on the most urgent—and divisive—issues shaping digital finance regulation today. In a fintech twist on the classic ‘90s game FMK, the trio tackles which regulatory bodies to "love, leave, or reform"—from the CFPB and OCC to the NCUA and beyond. No topic is off-limits as they debate the shifting landscape around Section 1033, Open Banking implementation, UDAP enforcement, and the growing tensions between innovation and compliance. Plus: what do the STABLE Act, the GENIUS Act, and Stablecoin policy have in common? They all point to a regulatory future that's as complex as it is critical to get right. This episode is not for the faint of heart, but essential listening for anyone working at the intersection of fintech, policy, and consumer protection.