Podcasts about ncua

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.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/The National Credit Union Administration today placed Aldersgate Federal Credit Union in Marion, Illinois, into conservatorship. Member services will continue while the NCUA works to resolve issues affecting the credit union's operations.Member deposits at Aldersgate Federal Credit Union remain protected by the National Credit Union Share Insurance Fund. Administered by the NCUA, the Share Insurance Fund protects individual accounts at federally insured credit unions up to $250,000. Member's interest in all joint accounts combined is also insured up to $250,000. The Share Insurance Fund separately protects IRA and KEOGH retirement accounts up to $250,000. The Share Insurance Fund has the backing of the full faith and credit of the United States.Members may conduct financial transactions via phone by calling the NCUA Asset Management and Assistance Center at 512.231.7940 Monday through Thursday between 10:00AM-4:00PM Central. Those calls will be routed to the appropriate specialists. Members can continue to conduct financial transactions, such as depositing funds, making loan payments, and requesting share withdrawals during the conservatorship.Members with questions about the conservatorship may review the Aldersgate Federal Credit Union's frequently asked questions posted on the NCUA's website. Members with questions about their Share Insurance Fund coverage can find more information in the Share Insurance Coverage(Opens new window) section of NCUA's MyCreditUnion.gov (Opens new window)consumer website.Aldersgate Federal Credit Union is a federally insured credit union with 811 members and reported assets of $10.6 million, according to the credit union's most recent Call Report. Aldersgate Federal Credit Union serves the ministerial and probationary members, full time employees, local pastors, clergy persons and diaconal ministers under appointment of the bishop of the Illinois Great Rivers Conference of the United Methodist Church

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA often asks what a credit union's Risk Appetite is, but doesn't provide much if any, guidance on the topic. We do.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA staff rely heavily on the examiner guide and the National Supervision Policy Manual.  We discuss these documents and what they really mean for credit unions.

Send us a textAre you ready to grapple with the new NCUA requirement that every credit union have an up to date succession plan that covers both senior executives and board members?The good news: you're not required to have a written plan until January 1, 2026.The bad news: if you don't have a plan by then, or if your plan falls far short of NCUA's expectations, the credit union can be written up by an examiner.On the show is Jeff Paille, partner in The Bonadio Group's Assurance Division, who offers a primer on what every credit union needs to know about this NCUA requirement.And he also talks about what will happen if you simply tell the examiner you haven't gotten a plan together.Incidentally, although the NCUA explicitly flagged mergers triggered by a lack of a succession plan  as a prompt for this new requirement, Paille says that a common succession plan at many credit unions is in fact merger.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/In this short and slightly offbeat solo episode, Mark shares a personal tale of dog sitting gone sideways—with two lovable pit bulls, a well-intentioned checklist, and a humbling C-minus execution grade.But the real story is what the NCUA didn't do last week.The agency quietly canceled its June board meeting and offered only a placeholder for July, continuing a trend that started under Chairman Todd Harper. Mark weighs in on what this says about the agency's direction, leadership, and communication strategy.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA requires some level of management review every exam before you see it.  We explain why and how that impacts you.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Episode Summary: In this episode, I dive into what NCUA might look like after its May 22nd downsizing — a 25% reduction in staff driven by Trump-era mandates for smaller government. Using clues from the agency's own language, historical precedent, and my firsthand experience with past reorganizations, I lay out my predictions for NCUA's evolving structure.This is part three of a special podcast series unpacking the agency's potential realignment.Key Topics Covered:

We are releasing today on our podcast show a repurposed webinar which we produced on May 13, 2025 entitled “What is happening at the federal agencies (other than the CFPB) that is relevant to the consumer financial services industry.” During this podcast, we will inform you about recent developments at those other agencies, including the FTC, OCC, FDIC, FRB and DOJ (collectively, the “Agencies”) and the White House (through the issuance of Executive Orders). Some of the issues we consider are: •        What are the strategic priorities of the Agencies, including cryptocurrency (OCC, FRB and DOJ); reducing regulatory burden, promoting financial inclusion, embracing bank-fintech partnerships and expanding responsible bank activities involving digital assets (OCC); adopt a more open-minded approach to innovation and technology adoption (FDIC); public inquiry into anti-competitive regulations (FTC and DOJ); and regulation of AI technology, boosting protections for children and teens online and strengthening enforcement against companies that sell, transfer, or disclose Americans' geolocation information and other sensitive data to foreign adversaries, more emphasis on antitrust enforcement and less on consumer protection (FTC). •        What is the status of proposed or final regulations of the Agencies? (e.g., FTC CARS Rule, Click-to-Cancel Rule, Junk Fees Rule, and Rule banning Noncompetes; FDIC advertisement and brokered-deposit rules, OCC rule on bank mergers; and the Community Reinvestment Act final rule)? •        What is the status of enforcement investigations and litigation of the Agencies? •        What impact will staff cuts have on supervisory examinations? •        What is the impact of President Trump's executive order requiring the Agencies to obtain approval from the White House of all proposed and final regulations? •        Will the Supreme Court approve of President Donald Trump's firing of the Democratic members of the FTC and NCUA and other federal agencies (who have subsequently sued Trump to challenge the firings) and, if so, what are its implications? •        What is the significance of the FDIC and OCC agreeing to eliminate “reputation risk” as a basis for evaluating risks to banks? •        Will the OCC adopt a regulation or other guidance, or will Congress enact legislation pertaining to debanking/fair access? •        Will the OCC and/or FDIC issue any guidance or regulations pertaining to federal preemption of state law in light of the Supreme Court's opinion last term in Cantero and the impending Courts of Appeal decisions in Cantero, Kivett and Conti? •        What is the significance of the FDIC withdrawing its amicus brief in support of the Colorado Attorney General in the 10th Circuit in the lawsuit brought by industry against him challenging a Colorado statute which purported to opt out of Section 521 of DIDMCA? •        Will there continue to be fair lending and disparate impact enforcement at any of the Agencies? Alan Kaplinsky, former chair and now senior counsel of Ballard Spahr's Consumer Financial Services Group, moderated the presentations of the following other members of the Consumer Financial Services Group:  Scott Coleman, Ronald Vaske and Kristen Larson.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/

Send us a textBuckle up, there may be turbulence on this ride.On the show today is Elizabeth Eurgubian , now a lobbyist in Washington DC but who just a few months ago served as NCUA Director of the Office of External Affairs and Communications and Policy Advisor to Chairman Harper.  That's an important position at NCUA - it's a political appointment.Before that  she was deputy chief advocacy officer at CUNA and before that she was a vice president and a lobbyist for ICBA.She knows Washington DC and she especially knows the lobbying intricacies involving credit unions and community banks.This episode was recorded the day before NCUA chairman Kyle Haputman revealed the staff reorganization plan for NCUA which is a slightly deeper staffing cut than Eugubian predicted but that makes her predictions for NCUA operations with a smaller staff even more chilling.Bottomline: she says everything will take longer at a slimmed down NCUA, an agency she says was thinly staffed before this 20+ percent staffing cut.Along the way Ergubian gives a short course on how to lobby effectively and offers insights into the likely future of NCUA (will it stay independent?), the credit union federal tax exemption, and credit union examinations in a slimmed down NCUA.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

To say there is uncertainty in the credit union movement right now is an understatement. The NCUA shake-up has left many feeling… well, a bit shaken up. And though tax exemption and funding for CDFIs (Community Development Financial Institutions) are protected for now, it's hard to say when “for now” might abruptly end. When compared to concerns about the NCUA and credit union tax status, there has not been as much outcry over the precarious future of the CDFI fund. Considering that only about 12% of credit unions are CDFIs, this makes sense, but the loss of funding could have significant ripple effects across the movement as a whole. In this episode, we talk to Armand Parvazi, Strategic Adviser at CUCollaborate and former Chief Administrative & Development Officer at New Orleans Firemen's Federal Credit Union, to get his take on this month's BIG question: Why does the CDFI fund matter and how can we engage the credit union movement in protecting it?

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Document of Resolutions can be complex or simple.  Regardless, they usually have many steps that NCUA doesn't realize, but you need to track.  We discuss the ins and outs of DOR project management in this archive episode.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Trump's Workforce Cuts Hit NCUA: What's Changing, What's NextShow NotesIn this episode of With Flying Colors, Mark Treichel breaks down the biggest NCUA update in years — a Trump-era Executive Order has triggered a 20% voluntary staff reduction at the agency.This May 22 board briefing outlines how the NCUA will operate with fewer people, a tighter budget, and a restructured exam program — all while staying focused on its core mission.20% Staff Reduction by Year-End NCUA is cutting 250 positions — driven by Executive Order 14210.No Layoffs, All Voluntary Staff could opt for paid leave (NDRP) or a $50K incentive (NVSIP).Program Exceeded Target 297 enrolled; around 250 will actually depart — above the 217 needed.HQ Was Hit Hardest 30% of HQ staff enrolled vs. 20% in the regions — right-sizing in progress.Hiring Freeze Through July 15 Replacements limited to 1 hire for every 4 departures, only in top-priority roles.Realignment Likely Signals point to fewer departments, streamlined reporting, and a leaner structure.Extended Exam Cycles Well-run credit unions get more time between exams — up to 24 months in some cases.$75M in Budget Savings Expected in 2026 Minimal 2025 savings due to admin leave; big gains next year.Agency Admits: 'Less with Less' NCUA is trimming low-value work and asking staff for smarter, simpler workflows.Tech + Targeted Hiring Ahead Come 2026, investments in automation and skilled examiners are planned.

Send us a textToday's topic: How to Pass the NCUA Tech Audit (Without Losing Your Mind)The guest is Mike Robins, COO  at Dynamic Edge, a company that's helped many credit unions - particularly ones with assets between $25 million and $400 million - successfully navigate the NCUA Tech Audit which occurs “periodically,” according to the agency.Hear what's involved in the audit, how to pass it and - crucially - how to prepare for it.Robin's key point: prepare and you won't lose your mind.Interesting, too, is that NCUA provides cheat sheets for the Tech Audit on its website.  Robins tells where to find them and how to use them.  He also tells if the auditors are in fact following the cheat sheets.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/NCUA is hitting corporate governance hard.  In this episode we discuss why and what to do if it happens to you.

Send us a textIs this the twilight of the golden age of credit unions? On the show to discuss exactly that question is Jim Blaine, the now retired longtime CEO of SECU, the second biggest credit union in the country.  Blaine may be retired but he still has opinions about credit unions, as evidenced in his blog, SECU - Just Asking!In this podcast Blaine also digs deep into the question: what exactly is a credit union? We also talk about democracy in credit unions and often the lack thereof.Recently Blaine has been sparring with his old employer with the flash point being the institution's new leadership's desire to move to risk based pricing for loans.  Blaine is against that and successfully resisted it in his years as SECU's CEO.Blaine, definitely, is opinionated. But he also is - undeniably - a credit union champion. What he says may make you mad - it definitely made various NCUA employees mad.  But listen up because Blaine, very clearly, articulates a philosophy about credit unions that he didn't just spout, he lived in building SECU into a US credit union powerhouse.  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

Send us a textNo one has a richer background in credit union journalism than Frank Diekmann.  Over the past 35 years he has been co-founder and editor at Credit Union Times, publisher at Credit Union Journal, co-founder at CUToday, and now he is the founder of The CU Daily, a new publication that is the liveliest credit union pub in my opinion.Nobody has written more published words about credit unions than Diekmann.Diekmann has opinions.Longtime listeners probably think I'm opinionated.I am.But Direkmann can and does go toe-to-toe with me on a range of topics - credit union mergers, the future of small credit unions, the credit union federal tax exemption, the future of NCUA and lots more. There are even glimpses into the very future of credit unions - if there is one.This is a lively show and, remember, Diekmann has years of reporting experience that back up the opinions you'll hear.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

Currently, the FDIC and NCUA—apart from a limited number of state credit unions—maintain a government-enforced duopoly on deposit insurance. This webinar will explore whether the existing framework should be preserved or reformed, including the potential expansion of private deposit insurance beyond the few states that currently permit it for state credit unions to all banks […]

Currently, the FDIC and NCUA—apart from a limited number of state credit unions—maintain a government-enforced duopoly on deposit insurance. This webinar will explore whether the existing framework should be preserved or reformed, including the potential expansion of private deposit insurance beyond the few states that currently permit it for state credit unions to all banks and credit unions.Featuring: Dennis R. Adams, Principal, Dennis R. Adams Consulting; former CEO, American Share InsuranceMargaret E. Tahyar, Partner, Davis Polk & Wardwell LLPModerator: Bryan Schneider, Partner, Manatt, Phelps & Phillips, LLP

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/The dreaded organizational review Document of Resolution or worse yet LUA.  What it means and what you should do.

In this episode, NCUA Chair Kyle Hauptman discusses tech's role in credit unions. He highlights NCUA's open approach to digital assets, AI/blockchain use cases and DOGE's project to streamline the federal government.

With cryptocurrency's increasing popularity, it's crucial to be aware of the prevalence of crypto scams. Cryptocurrency is a digital currency that uses cryptography to secure transactions. However, the rise of crypto has also led to a surge in scams. It's important to stay alert to spot these scams and avoid falling victim to them.    Links: Report any crypto scams you encounter to any or all of the agencies below: https://www.fbi.gov/contact-us https://reportfraud.ftc.gov/ https://www.cftc.gov/complaint https://www.sec.gov/submit-tip-or-complaint/tips-complaints-resources/report-suspected-securities-fraud-or-wrongdoing https://www.ic3.gov/Home/Index 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.      One important thing to note about cryptocurrency is the U.S. government does not back it. If your crypto account gets hacked or the company that provides storage for your wallet goes out of business, your money is gone. The government has no obligation to step in and help you get your money back. In comparison, U.S. dollars deposited into an FDIC or NCUA-insured account are safe. Those coverages insure deposits up to $250,000 in the event of a financial institution failure.    That said, it's important not to fall for a cryptocurrency scam. Here are some common scams and their warning signs. First, suppose someone you're considering doing business with only accepts cryptocurrency payments. That should be a red flag, especially if the company demands that you send the payment before receiving any product or service.    A common crypto scam is an investment scam. If someone asks you to invest in a new crypto coin that guarantees quick and significant returns, it's most likely a scam. Crypto investment scams can come in many forms. A scammer might pose as an investment manager promising to make you rich if you buy cryptocurrency and transfer it to their account. They might even create a fake website to trick you further. It's also known that scammers have tried to impersonate celebrities, offering to multiply any cryptocurrency you send them. Scammers will also go on dating apps to find their targets. They might seem interested in you, but it's a red flag if they start talking about crypto and try to get you to invest with them.    Rug pull scams are also very common with cryptocurrency. Rug pull scams are when investment scammers pump up a new NFT or coin to raise funds. Once they get the money that people invested, they disappear. The way these "investments" are coded prevents people from being able to sell or trade them, making them effectively worthless.   Another crypto scam is when fraudsters impersonate a business or the government. They might say they're from Amazon, EZ-Pass, or even your financial institution and claim that there's fraud on your account or your money is at risk. They'll say that to fix the issue, you have to send them crypto. Don't click links or respond to their messages; it is a scam.   One last crypto scam is blackmail. Scammers might contact you saying that they have compromising photos, videos, audio, or information about you. If you don't send them crypto, they'll send it all to your friends, family, place of work, and school. Don't do it and report it to the FBI immediately.    If you encounter a crypto scam, there are a few things you should and shouldn't do. First of all, don't engage with the scammer. Many of these scams are mass messages that the scammer sends out and are not explicitly targeted at you. Responding to the scammer lets them know you exist and can be targeted for their scam. What you should do is ignore the message. You can also report the fraud to multiple places, including the Federal Trade Commission, the Commodity Futures Trading Commission, the U.S. Securities and Exchange Commission, the Internet Crime Complaint Center, and the cryptocurrency exchange company you encountered the scam on. Links to all of these resources will be available in the show notes.  If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org. Also, remember to like and follow our Making Money Personal Facebook and Instagram to share your thoughts. Finally, remember to look for our sponsor, Triangle Credit Union, on Facebook and LinkedIn.         Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast. 

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA has reopened the Succession Planning Rule for public comment.  In this episode JT Blau and I discuss the rule and its requirements.

Send us a textPeter Duffy's message is plain: The pace of mergers will get fatter and it will involve credit unions of all sizes, from the small to the mega institutions. First Tech and DCU may seem an outlier but now there is ENT and Wings and the pace will keep up, says Duffy who now has joined SRM.Will the chaos and uncertainty in Washington DC slow the merger pace? Duffy thinks not, indeed the pace may quicken.That's because, says Duffy, economies of scale are now the Holy Grail of financial institutions.  Bigger is a competitive advantage, he says.He does make one surprise prediction: he believes the number of credit unions deals with banks will decrease.  Listen to hear why (and it doesn't have much to do with ICBA's caterwauling).Listen up.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

Send us a textThis show is a proof to me that my insistence on doing podcasts without written questions in hand or a script is the right way.I agreed to this show - a talk with Michael Crowl, ceo of $4 billion Austin Texas based UFCU - because I'd heard he had been developing an interesting strategic plan.At many credit unions there are strategic plans but often they aren't interesting and often, too, nobody pays any attention gto them anyway.Supposedly UFCU and Crowl, who has been at UFCU for 20 years and has been CEO since September 2022, were different.Indeed they are.But pretty quickly we veered off the plan and dove into how this guy had risen to the CEO job at a very big credit union.  He grew up in government housing.  He worked his way through the University of Houston.  Then he went into investment banking, earned a good score and then - he went into teaching math at a high school.A few years later he happened into a job at UFCU and fell in love with what a credit union is and could be for its members.In the show I even ask the hardest question to throw at a CEO - when did you decide you wanted to be CEO and how did you get there?  And Cowl gives a simple but honest answer.I ask an even harder question: is this your last job?It's a great show - and I had no idea it would turn out this way.  But that's the magic of doing this work this way.  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

Welcome to Credit Union Conversations. I'm Mark, and today's episode will be a little different. I don't usually record podcasts like this, but sometimes you just need to talk through what's been on your mind. There's been a lot happening in the business lending world, and I've been reflecting on where things stand—what's working, what's shifting, and what credit unions need to be paying attention to right now. This is more of a pulse check, a chance to unpack the momentum and opportunities ahead. So, thanks for joining me for this more personal take—I'm looking forward to getting into it with you.IN THIS EPISODE:(00:00) Introduction(00:49) Mark shares what's on his mind in the credit union space(02:41) Business is up this first quarter(06:16) The shrinking base of credit unions and the pay-for-play model of conventions(12:17) The CFPB and the CDFI and the NCUA(17:11) The changing culture of the credit union and what can be doneKEY TAKEAWAYS: Business lending is experiencing a resurgence, with increased demand from small businesses and credit unions. It's proving to be a reliable income stream even amid economic fluctuations, offering more stability than consumer loans and mortgages, which have been impacted by interest rate volatility and market changes.There is a growing need for stronger portfolio management and compliance resources due to rising—though normalizing—delinquencies and heightened regulatory expectations. The competitive landscape is also intensifying, with more entrants vying for a shrinking pool of credit unions, leading to thinner margins and greater pressure on service providers.Industry conventions, especially larger ones, are becoming less effective for meaningful engagement. The consolidation of major trade organizations has shifted event participation to a pay-for-play model, limiting visibility for value-driven providers. This, combined with rising costs, is prompting a reevaluation of outreach strategies and event participation.RESOURCE LINKSMark Ritter - WebsiteMark Ritter - LinkedIn

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/Presidential Power and Independent Agency Autonomy: The 2025 NCUA Board Removal CaseI. Legal and Constitutional FrameworkA Constitutional Showdown BeginsFrom "At Pleasure" to Independence: The 1978 RestructuringThe Humphrey's Executor Precedent: Protecting Independent AgenciesUnitary Executive vs. Congressional DesignThe Narrowing Path of Agency IndependenceSwan v. Clinton: The Precedent That Wasn't Quite50 Years of Respect for Fixed TermsII. The NCUA's Specific Structure and FunctionsThe Removed Regulators: Harper and OtsukaThe NCUA: A Core Financial RegulatorExecutive Function or Independent Regulation?The NCUSIF: Owned by Credit Unions, Not GovernmentThe Central Liquidity Facility: A Link to TreasuryOperating Without a QuorumFinancial Stability at StakeIII. Litigation Strategy and Broader ImplicationsSix Legal Theories for VictoryDavid vs. Goliath: The Legal TeamThe Long Road to the Supreme CourtBeyond NCUA: Implications for the Administrative State

Conservatorship: When NCUA Removes the Board & What You Need to KnowEpisode Summary:In this special episode, hosts Mark Treichel, Steve Farrar, and Todd Miller dive into the high-stakes world of NCUA conservatorships—when the agency steps in to remove a credit union's board and take control. Drawing from their extensive experience handling some of the largest conservatorships in NCUA history, they provide insider insights on:What conservatorship means and when it happensThe role of the NCUA as both regulator and conservatorWhy NCUA often opts for conservatorship over cease-and-desist actionsThe challenges of managing a conservatorship from both a regulator's and a credit union's perspectiveSuccess stories and lessons learned from past conservatorshipsThe hosts reflect on the intensity, challenges, and rewards of the conservatorship process, including the balance between protecting the NCUSIF (National Credit Union Share Insurance Fund) and serving credit union members. Whether you're a credit union executive, regulator, or industry observer, this episode delivers valuable insights into one of the NCUA's most powerful enforcement tools.Key Quotes:

Live from NACUSO's Reimagine conference Glen speaks with the co-founders of Next Big Idea competition winner Goodbuy, Cara Oppenheimer and Cary Fortin. CUSO lawyer Brian Lauer shares his insights on the rapidly evolving regulatory landscape, and then as if on cue the tectonic plates shift….   Links related to this episode:   Goodbuy: https://www.trygoodbuy.com/   Messick, Lauer & Smith: https://www.cusolaw.com/   NACUSO: https://www.nacuso.org/   Our recent interview with Next Big Idea runner up Scamnetic: https://www.big-fintech.com/scams-grievances-and-the-enduring-value-of-trust/    The CU Daily's ongoing coverage of the NCUA board upheaval: https://thecudaily.com/white-house-reportedly-fires-two-democrats-on-ncua-board/   Glen's reflections on the NCUA commotion: https://www.big-fintech.com/honey-i-shrunk-the-ncua-board/   The NCUA's memo claiming it can function with a single board member: https://ncua.gov/newsroom/press-release/2025/ncua-releases-staff-message-current-ncua-board   Former NCUA Board Chair Dennis Dollar's perspective from a similar 2001 situation:  https://www.cutoday.info/site/Fresh-Today/Single-Member-NCUA-Board-Not-Unprecedented-Chairman-Has-Authority-To-Act-As-The-Board-Says-Former-NCUA-Chairman  Join us on Bluesky!  @bigfintech.bsky.social;  @154advisors.bsky.social (Glen); @jbfintech.bsky.social (John) And connect on LinkedIn for insights like the Friday Fintech Five: https://www.linkedin.com/company/best-innovation-group/  https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/The NCUA's boardroom has been rocked. Two board members fired. DOGE staff roaming the halls. Rumors of a regulatory consolidation swirl. In this must-hear episode, Mark Treichel is joined by former NCUA Board Member Geoff Bacino and former NCUA Congressional Affairs Director John McKechnie to unpack one of the most chaotic weeks in recent credit union regulatory history.From unprecedented dismissals to the looming question of NCUA's independence, we cover:

Live from NACUSO Reimagine in Las Vegas, this episode tackles one of the most disruptive weeks in credit union oversight, offering a real-time gut check on leadership, advocacy, and opportunity in a time of uncertainty.In this episode of Grow Your Credit Union, host Joshua Barclay is joined by co-host Becky Reed and guest Dan Daggett, Chief Strategy Officer at Credit Unions First, to talk about the unexpected NCUA terminations, what deregulation could unlock, and how to make smarter tech investments through CUSO collaboration.Listen now to stay ahead of what's shaping the movement.

Elizabeth Ergubian, partner at Atlas Advocacy and former Director of External Affairs and Communications Policy Advisor for the NCUA, sheds light on what the abrupt removal of NCUA Board Members Todd Harper and Tanya Otsuka means for the agency and credit union industry.  Also, to lighten the mood, Michael, Natasha, and Producer Zach play a rousing game of NCUA Madlibs.

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.”

Send us a textOn the show today is Peter Rice, CEO of Hanscom Federal Credit Union, a  $1.9 billion institution headquartered in Boston that took flight in 1951 at Hanscom Air Force Base.  Rice is a repeat guest.  His first appearance came in 2021 when he was Chief Banking Officer at Workers Bank.  That episode has been reposted as Greatest Hit #25.  On this show Rice's mind roams across the many issues credit unions are now wrestling with - the possible loss of the federal income tax exemption, possible changes at NCUA in the DOGE restructuring of Washington DC, the retirement of America's Credit Union's CEO Jim Nussle, Hanscom's acquisition of The People's Bank (Mayland), pending regulatory approval, and a new WealthTrek facility in Government Center, Boston that is reimagining banking today and tomorrow.But there's more. We also talk about Rice's walks on the Camino de Santiago, where he has three times earned a compostela,  a certificate of completion, and he muses about writing a management book about the Camino.  By the way your podcast host has earned two Camino  compostelas, in separate walks.And there's even a detour into the political history of Ireland, where Rice grew up.This is a show with lots to unpack.Listen up.  And listen again.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/Episode Overview:In this episode of With Flying Colors, Mark Treichel tackles two hot topics ahead of the upcoming NCUA Board meeting:The Staff Buyout Program: With 145 FTEs already accepting voluntary separation packages—roughly 12% of NCUA's workforce—Mark explores the deeper implications. Could the agency be targeting a symbolic sub-1,000 FTE threshold? Poll results and inside intel help paint the picture.The Wildfire Relief Briefing: Mark offers context for why the interagency appraisal relief rule—issued in January—is now being briefed to the NCUA Board in April.Plus, a timely listener tip leads to a discussion of Treasury Secretary Scott Bessant's recent remarks about reshaping regulatory culture—calling for more transparency, better tailored supervision, and a possible redefinition of "safety and soundness."

Episode Summary: In this episode of With Flying Colors, host Mark Treichel is joined by former NCUA capital markets expert Todd Miller to discuss the latest updates to NCUA's Interest Rate Risk (IRR) Supervisory Framework. Following NCUA's recent stakeholder webinar, we break down key takeaways, including changes to risk categorization, the elimination of the extreme risk rating, and how these updates impact credit unions navigating today's economic landscape.What You'll Learn in This Episode: ✅ The history and evolution of NCUA's NEV framework ✅ Why NCUA eliminated the “extreme risk” category and what it means for credit unions ✅ The role of examiner judgment in assessing interest rate risk under the new guidance ✅ How credit unions can mitigate risk and avoid a Document of Resolution (DOR) ✅ The growing importance of liquidity management and how credit unions should prepare ✅ Why examiner scrutiny of IRR is increasing, despite the removal of automatic DORsKey Takeaways from the NCUA Webinar:

Send us a textI'd expected this to be an AI free show but, let's face it, that just isn't likely in 2025 but the good news is that in the show Pete Major,  vice president of fintech services at CUSO MDT, offers concrete AI use cases at work in MDT and he also, importantly, offers cautions about security and the leading AI tools.In a rush to stay abreast of the fast moving AI universe are some credit unions losing sight of the need to be very sure of the security of the tools they use? Maybe.Major provides tips on how to stay secure while still using AI tools..But there's a lot more in this show.We talk for instance about the need of CUs to keep security in mind when using any technology tools.  If there are flaws - and there have been some doozies in recent years - it's the credit union that will be saddled with the bulk of the blame.On a happier note Major discusses a suite of tools for small business members at credit unions - and, he says, demand for the tools is very hot.  Is offering good tools a path to winning more business members? Just maybe.We close the show pondering what the developments in Washington DC - anything from an end to credit union tax exemption to an end to NCUA - might mean for credit unions and also the rising CU interest in merging.There's a lot to unpack in this show.  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/A quick-hit episode this week! Mark shares thoughts on Duke's March Madness collapse, the rise of Rodney Hood at OCC, Jim Nussle's pending retirement, and NCUA's buyout offers. Plus, a few takes on market volatility, sub debt approvals, and the ever-shifting dynamics at the NCUA Board.Topics Covered:Duke's tourney loss and dynasty hateRodney Hood's possible FDIC moveJim Nussle's retirement newsNCUA staff buyouts and exam slowdownsThe case for sub debtMarket drops and flight to quality

Episode Title:NCUA: Can You Put That in an Examiner Finding, Not a DOR?Episode Summary:In this episode of With Flying Colors, host Mark Treichel is joined by Steve Farrar and Todd Miller to unpack the complexities of NCUA examinations, examiner findings, and documents of resolution (DOORS). They dive into what makes an issue rise to a DOOR, how credit unions can negotiate findings, and why corporate governance is becoming a focal point in exams.With their decades of experience inside NCUA, Mark, Steve, and Todd share insights on how credit unions can better navigate the regulatory process, avoid unnecessary compliance burdens, and strengthen their governance structures. If you've ever wondered why something lands in a DOOR rather than an examiner finding, this episode is for you!Key Topics Covered:✔️ What qualifies as an examiner finding vs. a DOOR? ✔️ How credit unions can respond to and negotiate with NCUA ✔️ The rising focus on corporate governance in examinations ✔️ How unresolved examiner findings escalate over time ✔️ The role of supplementary facts in the examination process ✔️ Understanding regional director letters and enforcement trendsGuest Information:

Episode 583: Global markets are stirring—tune in as Abbie and Justin explain why diversifying with international stocks could be a smart play. Next, Abbie and Justin explain how FDIC, NCUA, and SIPC protect your money. Discover what's covered and how these safeguards work for you.

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/ Episode Summary: In this episode of With Flying Colors, host Mark Treichel is joined by Steve Farrar and Todd Miller from Credit Union Exam Solutions to discuss the serious implications of a CAMEL Code 4 rating. A downgrade to CAMEL 4 signals significant risk and increased regulatory scrutiny. What does this mean for your credit union? What immediate actions should management and the board take? How does this impact borrowing, liquidity, and operations? Get expert insights into navigating the challenges of CAMEL 4 and what steps to take to get back on track. What You'll Learn in This Episode: ✅ What is a CAMEL Code 4? Understanding why it's a major red flag ✅ How NCUA views CAMEL 4 credit unions and why they ramp up oversight ✅ The consequences of a downgrade – more frequent exams, lost privileges, and reputational risk ✅ NCUA's administrative actions – what happens when you receive a Letter of Understanding & Agreement (LUA) ✅ How a CAMEL 4 affects your liquidity – Federal Reserve & Federal Home Loan Bank implications ✅ The impact on borrowing & collateral requirements ✅ The role of the board in a CAMEL 4 credit union – what's expected of leadership ✅ Can a CAMEL 4 credit union recover? Strategies for improvement Key Takeaways: 

Send us a textHopeful.Determined.In a conversation with Renee Sattiewhite, the CEO of the African American Credit Union Coalition, she came across as both hopeful and determined.  And she believes there still is work to be done and she definitely is not giving up.  Definitely she knows the landscape in today's Washington DC is dramatically different but she does not see that as a call for waving the white flag of surrender.Along the way you'll hear mentions of some of the great heroes of AACUC such as Bill Porter and Bert Hash Jr. and Bill Bynum.  But you'll also hear the names of many very successful women.The ancient Greek philosopher Heraclitus said you can't step into the same river twice, change is our constant. So it definitely is today and Renee Sattirewhite is determined to contribute her views on the kinds of changes we need to be making.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/In this episode of With Flying Colors, host Mark Treichel is joined by Steve Farrar and Todd Miller to analyze the latest trends shaping the credit union industry in 2024. They dive into the recently released NCUA data, discussing multi-year trends, economic pressures, and how credit unions are navigating challenges such as rising delinquencies, declining net income, and shifting liquidity conditions.Key Topics Covered:✅ Multi-Year Credit Union Trends – How decisions made during COVID-19 continue to impact the industry today ✅ Rising Credit Risk & Loan Performance – What's driving the surge in credit card and auto loan delinquencies? ✅ NCUA's Supervisory Priorities – Where examiners are focusing their attention in 2024 ✅ Liquidity & Interest Rate Risk – How credit unions are adjusting to changing market conditions ✅ Earnings & Profitability Pressures – Understanding the impact of fee income declines, provision for loan losses, and economic uncertainty ✅ Regulatory Challenges & Mergers – The latest data on credit union consolidations and how they compare to community banksRecent Exam Trends:

Welcome back to the Husker Doc Talk Podcast. On this episode, Travis Justice and Doctor Rob Zatechka welcome former Husker great Adam Carriker in the studio. Lots of college football talk in this episode from the possibility of a spring practice against another team to the restructuring of the college football playoff.  Adam is no one to shy away from a strong opinion and this conversation is a must listen all the way through. 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 absorption, body alignment, and 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. 

 So You're a CAMEL Code 3 – Now What? 

www.marktreichel.comhttps://www.linkedin.com/in/mark-treichel/NCUA Predictions: What Will the Do in 2025?Treichel: [00:00:00] Hey everyone, this is Mark Treichel with another episode of With Flying Colors. Today I am flying solo and I am calling this podcast something like what I expect from NCUA in 2025. In preparing for today's show, I took some notes going back and looking at NCUA's Agenda from their board action taken in 2025 and am gleaning based on the Trump administration and the Helpman leadership.What may or what may not happen in 2025 compared to 2024. When you go back and look at 2025. They had canceled two board meetings. So that was one takeaway. They canceled the March, 2024 board meeting, which was the first time in a long time that that had happened. And they canceled the June, 2024 meeting.So this was under then [00:01:00] chairman Todd Harper, who is now a board member at large, although he came close to being named vice chair, and you can check out some of my past podcasts for discussions on why that may have blown up anyway. It things continue to blow up at the board level, but I'll get to that here shortly.All right. They canceled 2 board meetings and they held for N. C. U. S. I. F. share insurance fund briefings. I report on those quite a bit here and on linked in because that's 1 of the few windows to generic camel code ratings. You can see when camel code ratings go up and they did 4 of those. in 2024.I'm expecting they'll do four of those in 2025. They did one cyber security update briefing and they did a new charter update and briefing and tip to what I might say in the future. I think there will be more briefings because I don't think the board will be acting on much because I don't think the board [00:02:00] is currently getting along because of the kerfuffle on NSF and overdraft fees.All right. So other things they did they did a proposed succession planning rule and a final succession planning rule. They did an incentive based compensation proposal, which I think will go nowhere in 2025. That was put out there because Biden's administration required it from all. Banking agencies and under the Trump administration there will be less or zero regulation.And I don't see them wanting to put proposals in on incentives. If you'd know what I mean. In July, there was a loan rate ceiling approval to. re approve utilization of the 18 percent rate. That's what they do every time. The trade associations come out saying you should allow that to go up or you should make it based on variability.If NCOA was ever going to raise it, it would have been last year and or the year before. They [00:03:00] didn't seize that opportunity because they thought it would have been egregiously harmful to credit unions and credit union members. I disagree with that, but they will vote on that again because they have to vote on it and they will likely just do what they've done umpteen years in a row, which is reaffirmed the 18%.I expect that to happen in July again. All right. What else is going to be happening? Potentially, they did have a board appeal in August. By the way, they typically don't have open board meetings in August. That was a closed a closed item where a credit union appealed something without revealing what I know relative to that.That was a field of membership appeal. There was a fair hiring and banking proposal, which doesn't need to repeat in 2025. They simplified the insurance rules. And then when you get close to the end of the year, what happens at the end of the year and CUA approves their budget. But before they approve their budget, they do a budget briefing.A little [00:04:00] bit of history on the budget briefings. The budget briefing started when I was the deputy executive director and they were started by Dennis Dollar. And I remember saying to that executive director, Len Skiles, if you do this, Make sure you want to do it and it was for transparency. But once you start something, it's very difficult to stop it.And I'll get to that and why I'm making that point. I'll get to it now, but I'll refer to it again. So NCOA did stop it. I believe it was under the Matt's administration and the trade associations got upset because that was their opportunity. One of their opportunities to show value saying your budget's too high.Here's why we think it's too high. And through assistance from Senator Mark Warner in Virginia, they were able to get the Federal Credit Union Act proposed, requiring NCUA to do a budget briefing. They are required to do a budget briefing. I believe they will do a budget briefing. I'm not so sure they will do a budget.They're not [00:05:00] required to do a budget, and they are required to do a budget briefing. They're not required to do a budget, and that's because there is a two year budget. So I'll get to that and why I think that they may not do a budget when we walk through what I think will happen in totality in 2025. The NCOA approved their annual performance plan, which is linked to their strategic plan, already in January.That was one of the last things they did prior to Hauptmann taking over. So they don't need to do that annual plan, but they do need to do another strategic plan, and that would be due by the end of 2025 for the years 2026 through 2030. Will they do that? We will see. All right. So when you look at what is going to happen and what I predict will happen in 2024, that's a little bit about what happened.What I'm predicting in 2024 is that the theme of canceling board meetings will continue. They, as I mentioned, they canceled March and June. I'm [00:06:00] expecting that they may cancel April or May. Or June or July, I don't believe they're going to have enough briefings to keep an agenda full. I don't believe they're going to agree on enough things because of the arguments they're having about about NSF fees and overdraft fees being reported by over a billion dollar credit unions.There's two approaches here. Kyle Hauptman canceled and changed the. Way that billion dollar plus credit unions were going were reporting for three quarters on NSFs and overdrafts saying that it's overkill and it's onerous on the credit unions, et cetera, et cetera, and that they would be looking at that during part of the examinations and then after he announced that at GAC and then.Board member Harper and board member Otsuka came out with their own press releases, and I understand they did a full court press on [00:07:00] Capitol Hill on the topic and came out saying that what's wrong with transparency? There should be transparency here. Why are you stopping something that was started and that credit unions had been providing and that's bad for members?So that's the nexus I wanted to say where I mentioned with Dennis Dollar that when he started the budget briefings, I thought they would never be stopped. And it's hard to stop something when you do. What happened? Debbie Matt stopped the budget briefings, and then lo and behold, the Federal Credit Union Act was changed and INSU 8 was required.to do that. So at some point, whether it's when the next time there's a D in the White House or there's a D in running the Dems have control of Congress. And the White House, you're going to see more on the fee situation. You're going to see NCOA go back to collecting this data. Will it be in 4 years?Will it be in 8 years? Will it be sometime sooner than that? [00:08:00] My guess is not before the four year period. I can't see how it went flip floppi...

Glen recaps an action-packed Government Affairs Conference, featuring our annual interview with America's Credit Unions' Economics Team on the coming year's outlook. An “existential threat” to the industry's income tax exemption headlined a packed agenda, but the CFPB, NCUA and interchange legislation were also on the menu- not to mention tariff whiplash and market uncertainty.       Links related to this episode:   America's Credit Unions' Monthly Economic Updates: https://www.americascreditunions.org/data-tools/economic-data-bank-comparisons/economic-update-video-archive   The Don't Tax My Credit Union Advocacy/Resource page: https://www.donttaxmycreditunion.org/ CrossState CUA's explanation of why credit unions offer better rates: https://www.crossstate.org/about/communications/blog/why-do-credit-unions-have-better-rates/ Glen's blog covering the GAC's key takeaways:   Join us for our next CU Town Hall- Wednesday March 12 at 3pm ET/Noon PT- for a live and lively interactive conversation tackling the major issues facing credit unions today. This session will focus on a discussion of key takeaways from the Governmental Affairs Conference.  The Town Hall is free to attend, but advance registration is required:  https://www.cutownhall.com/  Signing up for the Town Hall also earns you a card for our Bingo game tracking 2025 industry predictions.  Find out more here: https://www.big-fintech.com/Media?p=did-you-have-that-one-on-your-bingo-card   Join us on Bluesky!  @bigfintech.bsky.social  @154advisors.bsky.social (Glen) @jbfintech.bsky.social (John) And connect on LinkedIn: https://www.linkedin.com/company/best-innovation-group/  https://www.linkedin.com/in/jbfintech/ https://www.linkedin.com/in/glensarvady/

Send us a textThis is the weather report from GAC, last week's credit union confab in Washington DC.  On the show to report on key developments is Sarah Snell Cooke, former editor in chief and publisher of Credit Union Times and now a consultant to credit unions' business partners.The big question at GAC was: is this really the end of the credit union federal tax exemption?Also on the agenda was what's the impact of staff reduction - a la DOGE - on NCUA?  Can the regulator adequately perform with significantly reduced staff?Which leads to the big question: will NCUA be merged into another agency?As for that last point: Cooke's firmly held opinion is that if NCUA is merged into another agency this will spell the end of credit unions as we know them.  That's a gloomy prognosis but Cooke explains on the show why she believes it.On the show too she predicts that that demolition of NCUA won't happen.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

In this episode of the Doc Talk Podcast, Dr. Rob Zatechka and Travis Justice break down Nebraska's decision to cancel its highly anticipated home-and-home series with Tennessee. It's a move that financially makes sense for the program but cheats the fans out of a showdown with a big-name program.  The Huskers are also scrapping the 2025 Spring Game. Nebraska won't hold its annual fan showcase—marking the end of a tradition that regularly draws over 60,000 fans. What does this mean for recruiting, fan engagement, and the program's overall direction? Rob and Travis give their unfiltered thoughts on both decisions, what it says about Matt Rhule's long-term plan, and why some fans are growing frustrated with the program's cautious approach. Hit play, share your thoughts, and don't forget to subscribe for more hard-hitting Huskers talk on the 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 absorption, body alignment, and 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.