Welcome to our white paper archive. Select from the numerous white papers below to read up on specific issues and solutions that affect your business.

The Best Time to Recover Charge Offs May Be Long After You’ve Stopped Trying

From the Great Recession of 2008 through the last two years of the COVID-19 pandemic, millions of America’s credit union members have experienced a personal financial crisis. A significant percentage of those losses have fallen out of the federal reporting statute and are now time-barred from recovery. On the flip side, billions of dollars are still recoverable.

Crisis Management - Part Two: Managing the Unintended Consequences of Loan Forbearance and Payment Deferments

Managing the Unintended Consequences of Loan Forbearance and Payment Deferments

Crisis Management: Capital Adequacy, Delinquency Control and Loss Recovery during the COVID-19 Pandemic

A Credit Union Guide to COVID-19 Era Compliance with NCUA Rule 702.1, Member-Centric Delinquency Management, and Loss Recovery

The Consumer Recovery Lifecycle

This report will examine the Consumer Recovery Lifecycle, its pathway to credit rehabilitation and its value in identifying that segment of “prior prime”credit union members who may once again qualify for credit.

The Unbanked and Underbanked Middle Class - The New “Prior Prime” Subculture

This is part one of the study that defines the consumer credit epidemic and its negative impact on the credit union industry.

Recovering Capital and The Disenfranchised Credit Union Member

This is part two of the study that presents the solution to the Consumer Negative Credit Epidemic.

We are proud to have been a partner of NACUSO since 2013. Formed in 1984, The National Association of Credit Union Service Organizations is our industry’s national trade association for collaboration and innovation. NACUSO’s core purpose is to be the catalyst for instituting collaboration, innovation and the reinvention of the Credit Union Industry.