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New Overdraft Program Fuels Growth and Member Services


As the Missouri Credit Union Association continues (MCUA) to support the efforts of member credit unions in providing their members with the financial products and services they need, we are ever mindful of the importance of endorsing strategies that not only have a positive impact on credit union performance, but are also fully compliant and member-friendly.

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The Road to a Fully Compliant Overdraft Solution


There is no such thing as too much account holder communication when it comes to overdraft programs. As an early proponent of socially responsible overdraft programs, John M. Floyd & Associates (JMFA) is at the forefront of consumer education initiatives that greatly enhance the success of credit unions’ overdraft strategies. 

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Full Disclosure Remains Key to Maintaining Compliant Overdraft Programs


A year after the release of a white paper that summarized its initial findings from an analysis of overdraft practices used in nine large banks, the Consumer Financial Protection Bureau (CFPB) has changed the date for further pre-rule activities on overdraft programs to February 2015, according to its Spring 2014 rulemaking agenda.

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Get the Most Out of Your Overdraft Program


This article was written by John M. Floyd (pictured at right), chairman and CEO of John M. Floyd & Associates (JMFA). JMFA is a leading provider of profitability and performance-improvement consulting. 

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Provide Financial Peace of Mind For Your Members


By:  John M. Floyd, Chairman and CEO, John M. Floyd & Associates

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Avoid Regulatory Scrutiny and Thrive in the New Year


By: John M. Floyd, Chairman and CEO of John M. Floyd & Associates

As the prospects for more robust interest rates, improved loan volume and an easing of regulatory scrutiny remain uncertain going into the New Year, credit unions continue to face the dilemma of how to improve margins, maintain compliance and provide services that will keep them competitive. 

Posted By Sharon Bahr read more

Make Sure Your Income-Generating Strategies are Compliant and Consumer Friendly


By: John M. Floyd Chairman/CEO, John M. Floyd & Associates (JMFA)

As credit unions continue to cope with the regulatory challenges placed on generating non-interest income, it is imperative to balance the need for revenue with the ability to avoid programs and practices that could be harmful to members.

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MCUA Signs New Deal for Overdraft Privilege Services



The Missouri Credit Union Association has signed an agreement with John M. Floyd & Associates (JMFA) to be the associations’ preferred provider for overdraft privilege services.

Posted By Halley Hayden read more
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