Benefits of Low Income Designation webinar (recorded)

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AW101612

Oct. 16, 2012 - Apr. 16, 2013 

This recorded event is available until April 16, 2013.

This webinar is part of a three-part series being jointly held by CUNA and the National Federation of Community Development Credit Unions.

Looking for Growth Opportunities? Discover ways to better meet the needs of your modest means members and underserved communities that your credit union serves!

With NCUA's dramatic expansion in the number of Low Income Designated credit unions, there are now more opportunities than ever before for credit unions to grow their services and reach in low -and moderate- income communities around the country. For years, the National Federation of Community Development Credit Unions has championed important regulatory powers for credit unions serving LMI consumers and now these powers are available to a rapidly growing segment of the CU system. This designation affords credit unions access to significant resources to increase institutional capacity and fuel their future growth in these emerging markets.

ALL asset sizes are encouraged to learn about this designation and take advantage of the benefits.

If every eligible credit union accepts their low-income designation, they will represent combined assets of $140 billion, providing affordable financial services to almost 17 million predominantly low-income consumers. Roughly a third of the credit union system might become low-income designated!

This webinar builds on the information provided on the September 25 webinar "Benefits of the Low Income Designation" and will focus on the actual low income designation process and the practical applications of these regulatory powers.

Attend this webinar to learn ways to:

  • Strengthen the capacity of credit unions to serve low- and middle-income consumers
  • Discover how this designation applies to mid and larger asset sized credit unions
  • Gain a better understanding of the tools, resources and expertise available through the Federation, NCUA, the CDFI Fund and others to help credit unions more effectively grow their market share in that ever growing LMI market segment
  • Demystify some misconceptions about the Low Income Designation and how credit unions should use it

The Low Income Designation opens the door for eligible credit unions to obtain supplemental capital and apply for CDFI certification. Make sure to register for our upcoming webinars to learn more about these important topics.

Additional webinars in this series include:

The National Federation of Community Development Credit Unions is a national, nonprofit network based in New York City that since 1974 has supported and invested in credit unions with an explicit mission of serving predominantly low-income, financially underserved communities. Today, we work with 250 credit unions committed to providing access to quality financial services, affordable credit and development services to LMI markets that hold so much potential for the future and relevance of the credit unions system. The Federation has played a leading role in winning special regulatory powers to strengthen the capacity of credit unions to serve low- and middle-income consumers and we're very pleased with NCUA's efforts to dramatically expand the number of Low Income Designations.

Who Should Attend

This webinar is beneficial for credit unions who have received notice from NCUA on Low Income Designation (LID) status and those who may be considering accepting the designation. Affiliation with the Federation is required for attendance. Affiliation with CUNA/League is required for attendance.

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AW101612

Oct. 16, 2012 - Apr. 16, 2013 

Rita Woods

Rita is the new director of the Division of Consumer Access South in NCUA's Office of Consumer Protection. This office oversees the chartering and field of membership related activity affecting credit unions in NCUA's Regions III & IV. Rita's staff is responsible for processing field of membership expansion requests, charter conversion requests, new charter applications, requests for community charter actions, bylaw amendment proposals and low-income designation requests.

Originally a Atlanta, Georgia native, Rita joined NCUA during 1997 as a district examiner in the Atlanta, Georgia area. During 2000, Rita relocated to NCUA's Region III Office in Atlanta, Georgia and worked as an insurance analyst for 11 years. Immediately before assuming her new responsibilities, Rita was a consumer access analyst with NCUA's Office of Consumer Protection from 2011 through September 2012.

Robert Leonard

Robert is the director of the Division of Consumer Access in NCUA's Office of Consumer Protection. This office oversees the chartering and field of membership related activity affecting credit unions in NCUA's Regions I, II, and V. Rob's staff is responsible for processing field of membership expansion requests, charter conversion requests, new charter applications, requests for community charter actions, bylaw amendment proposals and low-income designation requests.

Originally a Syracuse, New York native, Rob joined NCUA during 1991 as a district examiner in the Boston, Massachusetts area. During 1995, Rob relocated to NCUA's Region I Office in Albany, New York and worked as an insurance analyst for 11 years. Immediately before assuming his current responsibilities, Rob was a program officer with NCUA's Office of Examination and Insurance from 2006 through 2010.

Paul Phillips

Paul is president/CEO of Freedom First Federal Credit Union, where he has served since 1998. Freedom First is a community credit union located in Roanoke, Virginia serving a three-county area having an estimated population of 360,000. The credit union has assets of $285 million and 42,000 member-owners, sixty-percent of whom are considered low/moderate income. Freedom First is designated a Low Income Credit Union by the National Credit Union Administration and a Community Development Financial Institution (CDFI) by the United States Department of the Treasury. As the largest CDFI in Virginia, Freedom First specializes in the area of sustainable finance and community development. 

Pablo DiFilippi

Pablo is currently in charge of membership and consulting services for the National Federation of Community Development Credit Unions, a national, nonprofit association that represents, supports and invests in credit unions serving predominantly low-income, financially underserved communities. Pablo has more than 20 years of experience in community finance working with regulated financial institutions both in the domestic and international arena. Throughout his career, Pablo has implemented microlending programs in credit unions and provided advice, expertise and training to credit unions interested in meeting the needs of this specific target market. As the director of CU Breakthrough Consulting services, Pablo can tap in a vast network of field practitioners.

Originally from Chile, Pablo came to the US in the early 90s and almost immediately became involved in credit unions. After working at MCU, a large credit union serving New York city employees, he joined the Lower East Side People's FCU (LESPFCU) a credit union serving Hispanics and other underserved populations in the New York City area and acted as its CEO until early 2004. From then and until the end of 2005, Pablo managed the World Council of Credit Unions, Inc. (WOCCU)'s International Remittance Program (IRnet), a world-wide initiative to provide alternative remittance services to consumers both in the US and in recipient countries through the credit union system. 

Currently, Pablo is associate director for the National Federation of Community Development Credit Unions (the Federation). Pablo is based at Credit Union National Association in Madison, WI, where he also acts as a liaison with CUNA, CUNA Mutual, CUES, Filene and other credit union organizations. Pablo serves on the boards of the LESPFCU and advisory board member of the Neighborhood Economic Development Advocacy Project (NEDAP) a resource and advocacy non-profit that seeks to promote community economic justice in New York City and nationwide. He is also board vice chair of the Network of Latino Credit Unions and Professionals (NLCUP), a newly formalized initiative that seeks to develop a platform for integration and dissemination of best practices and initiatives to bring credit union services to Latinos. He's also on the board of the Fair Remittance Alliance, an effort spearheaded by AppleSeed that seeks transparency and affordability in the remittance industry. 

Amy Rapp

Amy most recently was the senior manager, Small-Mid Markets Group, SimpliCD sales director and the host and producer of the nationally recognized CU Essentials Monthly Web Cast Show at Western Corporate Federal Credit Union. During that 8 year period of time, Amy successfully created a national brand serving the small and mid-sized credit union market sector by creating very detailed and highly effective programs to assist credit unions in thriving during these challenging economic times. She now joins the National Federation of Community Economic Development Credit Unions as a consultant and will facilitate a new series of webinars designed to highlight the merits of the Low Income Designation, CDFI certification and secondary capital as well as other planned programming and educational efforts on behalf of the Federation.

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AW101612

Oct. 16, 2012 - Apr. 16, 2013 

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This is a recording of an event held October 16, 2012. View upcoming events.

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AW101612

Oct. 16, 2012 - Apr. 16, 2013 

CUNA is a leading provider of webinars to the credit union movement. CUNA recorded events allow you to see and hear a presentation and refer to handouts. Attendees also have access to the speaker contact information for asking questions. With topics spanning all credit unions business areas, CUNA Training Bundle provides unlimited access to all live and recorded CUNA webinars, eSchools and audio conferences for all staff, managers and board members.

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Oct. 16, 2012 - Apr. 16, 2013 

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