CFPB finalizes HELOC reporting changes under HMDA

first_img 20SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading » The CFPB on Thursday finalized its proposed changes to its Home Mortgage Disclosure Act rule that would temporarily raise the home equity line of credit reporting threshold for smaller financial institutions, including credit unions.As previously issued, the HMDA rule required credit unions to report HELOCs if they made 100 such loans in each of the last two years. Thursday’s final rule increases that threshold to 500 loans through calendar years 2018 and 2019 while the bureau considers whether to make the change permanent.In NAFCU’s comment letter on the CFPB’s proposal, sent in July, the association urged an exemption from HMDA reporting for all HELOCs or, in the alternative, make the 500 loan threshold permanent. NAFCU will reengage with the bureau to ensure these recommendations are addressed.last_img read more

Updated: Wellington 7th and 8th grade girls, 7th boys annihilate Haysville

first_imgSumner Newscow report – Both the Wellington girls seventh and eighth grade girls annihilated their opponents from Haysville in their season debut. Other scores were not sent to Sumner Newscow at this time. Send scores to [email protected] grade girls A team — Wellington 60 Haysville 6Jones 10Auftengarten 4Lara 6Scheufler 23Lewellen 8Maxwell 1Hook 8B Team Wellington 23 Haysville 6Jimenez 2Barker 4Young 4Maxwell 3Waddle 4Hunter 6Wellington Eighth girls:Wellington A 40 Haysville 11Jacelyn Buck   1 ptTaryn Stoddard  4Adrienne Norris  6Ellie Buresh  10Peyton Leathers  4Taylor Meyer  2Brooke McCorkle  6Chloe Wilson  7Eighth B — Wellington 22 Haysville 6  No individual stats were available.Wellington Seventh boys:7A – Boys — Wellington 55 Haysville 41Silas Popplewell – 24Blake Rausch – 8Zander Vargas – 6Austin Soles – 6Gage Cunningham – 6Malachi Macias – 3Cade Fairbanks – 27A Boys are 1-0.7B boys — Wellington 26 Haysville 18Christian Buckman – 7Zane Cornejo – 6Malachi Macias – 5Dominic Shore – 3Isaac Hilt – 3Travese Love – 27B Boys are 1-0.Follow us on Twitter. Close Forgot password? Please put in your email: Send me my password! Close message Login This blog post All blog posts Subscribe to this blog post’s comments through… RSS Feed Subscribe via email Subscribe Subscribe to this blog’s comments through… RSS Feed Subscribe via email Subscribe Follow the discussion Comments Logging you in… Close Login to IntenseDebate Or create an account Username or Email: Password: Forgot login? Cancel Login Close Username or Email: Password: Lost your password? Cancel Login Dashboard | Edit profile | Logout Logged in as Admin Options Disable comments for this page Save Settings You are about to flag this comment as being inappropriate. Please explain why you are flagging this comment in the text box below and submit your report. The blog admin will be notified. Thank you for your input. There are no comments posted yet. Be the first one! Post a new comment Enter text right here! Comment as a Guest, or login: Login to IntenseDebate Login to Login to Twitter Go back Tweet this comment Connected as (Logout) Email (optional) Not displayed publicly. Name Email Website (optional) Displayed next to your comments. Not displayed publicly. If you have a website, link to it here. Posting anonymously. Tweet this comment Submit Comment Subscribe to None Replies All new comments Comments by IntenseDebate Enter text right here! Reply as a Guest, or login: Login to IntenseDebate Login to Login to Twitter Go back Tweet this comment Connected as (Logout) Email (optional) Not displayed publicly. Name Email Website (optional) Displayed next to your comments. Not displayed publicly. If you have a website, link to it here. Posting anonymously. Tweet this comment Cancel Submit Comment Subscribe to None Replies All new commentslast_img read more

US honours for England students

first_img6 May 2013 US honours for England students England’s Meghan MacLaren and Lauren Taylor have scooped “Freshman of the Year” honours on the US women’s college circuit. Meghan, from Wellingborough in Northamptonshire, (Image © Leaderboard Photography) takes the title for the Sun Belt Conference. Lauren, from Woburn, receives the accolade from the Big 12 Conference.  Both teenagers have recently won their respective conference championships. Meghan, a member of the England Golf Performance USA Squad, is a student at Florida International University and has won three times in her first year. Before starting university Meghan was in England’s winning team at the girls’ Home Internationals, she won the French U18 open title and was runner up in the English girls’ championship.   Lauren, an England international and past winner of the British women’s championship, is a student at Baylor University in Texas and she won the conference championship by eight shots. She is only the second Baylor student to win the Big 12 Freshman of the Year title, following in the footsteps of England’s Hannah Burke, who won in 2007. The next target now for both players and their university teams is this week’s regional finals of the national NCAA championship. In the end of season awards both Conferences named their honorary teams. The Sun Belt first team included, alongside Meghan MacLaren: Abigail Laker (Frilford Heath/Arkansas State), Sophie Godley, (Lindrick/ FIU).The second team included  Alison Knowles (Hickleton/ Louisiana-Monroe) The Big 12 first team included both Lauren Taylor and Baylor team-mate Hayley Davis (Ferndown), who is a past winner of the English girls’ and women’s championships. Hayley was also named to the team last year when she was a freshman.last_img read more

Mallard’s Team of the Week — NYS U14 Selects

first_imgStaff at Mallard’s Source for sports would like to wish the squad nothing but success with Team of the Week honours as the Selects meet Kelowna, Surrey United and Kootenay South during the round robin draw.The team includes, coaches Rob Borhi and Beth Corven, Amanda Creak, Amreesa Bhabra, Elisabeth Huiberts, Sierra Jones, Alex Pompu, Mimi Lockhurst, Shayla Elias, Bryce Winters, Maia Robertson-Weir, Maia Thibault, Sophie Borhi, Camryn Parnell, Rylee Zondervan, Michaela Anderson, Ashley Caponero, Reece Hunt and Sophie Edney. The Nelson Selects U14 Girls squad is one of three teams from the host association playing in the BC Soccer Provincial B Cup at the Lakeside Fields.The Select enter the eight-team provincial tournament on a positive note after recently capturing the Invermere Clash of the Titans Championship.last_img read more


first_imgJOCKEY QUOTES FLAVIEN PRAT, ASHLEYLUVSSUGAR, WINNER: “I had a good trip. It came really easy. Once he gets the lead he doesn’t want to open up, but he knows he has to keep at least a head in front.”TRAINER QUOTES             PETER EURTON, ASHLEYLUVSSUGAR, WINNER: “He got a perfect ride. I think they (Flavien Prat and the horse) are just getting to know each other. I think Flavvy was just a little bit nervous in the paddock, but the kid is so good, so good. Other than telling him the horse likes to be outside, I didn’t say anything. That was a nice, easy lead that What a View got. I didn’t think we’d get by him for a minute there, but Ashley’s got a lot of class.”As to what’s next: “He’s invited to go to Qatar, but I think he should stay here and run in two months in the mile and a half (in the Grade II, $200,000 San Luis Rey Stakes).” JOE CIAGLIA, PART-OWNER/BREEDER ASHLEYLUVSSUGAR, WINNER: “I was so nervous today, it was crazy. The horse just won the 2016 Cal-Bred Turf Horse of the Year but What a View was second and we’re running against him today. It’s not trying to be competitive but we felt like we had to come right back out and prove that we are the best. We were the best Turf horse last year and now we’re getting to carry that over into this year.“It was very exciting to win this one, I was so nervous. We’ve been running in open company races and people think Cal Bred races are easy but Cal-breds are tough. I was more nervous about this than other races we’ve run in.”“We don’t have a plan. We just wanted to get to Cal Cup and that was our first plan.”center_img             NOTES: The winning owners are Sharon Alesia, Bran Jam Stable and Ciaglia Racing, LLC. MIKE MELLEN, PART-OWNER/BREEDER ASHLEYLUVSSUGAR, WINNER: “The race was very scary there at the end. The other horse, What a View, is a very good horse and has a Grade I win. We knew it would be a tough race and the one hole isn’t his best position but he’s a great horse. What can you say? He never gives up.”last_img read more

Ireland upset Germany

first_imgDUBLIN (AP): Substitute Shane Long scored five minutes after coming on yesterday for Ireland to upset world champions Germany 1-0 and clinch at least a play-off place for Euro 2016. Long struck in the 70th minute of their qualifier when he took goalkeeper Darren Randolph’s long kick over the German defence and fired the ball past Manuel Neuer to the top corner. “He’s one of the best goalkeepers in the world, so it makes it even that bit more special,” Long said after Ireland’s first-ever competitive win over Germany. “It was an unexpected and unnecessary defeat,” Germany coach Joachim Loew said. “He’s won a World Cup. He’s entitled to his opinion, and we were brilliant,” Irish counterpart Martin O’Neill said. With one game in qualifying remaining, Germany top Group D on 19 points, one ahead of Poland and Ireland, who meet in Warsaw on Sunday. Robert Lewandowski scored his second goal deep in injury time for Poland to draw 2-2 with Scotland in Glasgow and end the home side’s hopes of a play-off. Because of their superior goal difference, a draw on Sunday would be enough for Poland to qualify directly, while Ireland needs to win to avoid the play-offs.last_img read more

RCMP search for man who escaped from psychiatric ward

first_imgThe Dawson Creek RCMP need your help to find a man who escaped from the Dawson Creek psychiatric ward.The RCMP say the male left the hospital in a silver or grey luxury car. The male is described as caucasian, 5’1” and 190 pounds. The male has blonde hair and was last seen wearing a hospital gown and baseball cap.Police believe the male may be traveling towards Hythe or Grande Prairie.- Advertisement -The male is considered dangerous and should not be approached.The RCMP have not released the man’s name or a photo.If you see this person, call 911 immediately. Advertisementlast_img read more

After earlyseason loss could OSU sneak its way back into the BCS

The Ohio State football team is the 2009 BCS National Champion.This phrase strikes even the most avid fans as impossible, but it is much more probable than it seems.The BCS rankings are comprised of the USA Today Coaches Poll, The Harris Interactive Poll and a combination of computer rankings that are each worth one-third of the overall rankings. The USA Today and Harris Interactive polls consist of human voters casting ballots every week while the computer rankings crunch numbers, such as strength of schedule and outcomes of games versus shared opponents.The system can be quite confusing and its existence is always a hot topic in college football, but it typically favors teams with fewer losses and teams from big conferences, such as the Big Ten.This was evident during the 2007 season, when the Buckeyes lost to Illinois in Week 12, but still managed to crawl their way into the championship game after only playing one game during the season’s final four weeks.The rankings make the current situation, and peculiar ranking, similar to 2007. The 2007 Buckeyes were ranked No. 7 following their loss to Illinois, and the 2009 team is ranked No. 7 in the polls this week.The 2007 team had one game and four weeks left in the season to make up ground. This year’s team has six games and nine weeks of football to make it to the top of the standings.In 2007, all six teams ranked ahead of OSU in Week 12 lost during the last four weeks of the season. Oklahoma and Oregon both lost in Week 12, Kansas and LSU lost in week 13 and Missouri and West Virginia lost during their conference championships. Compared to 2007, this year’s Buckeyes actually have a better chance of making it to the national championship.No. 6 USC plays two ranked opponents, No. 25 Notre Dame and No. 14 Oregon, and has lost to an unranked conference opponent this season. That loss could hurt the Trojans when the BCS rankings are released on Oct. 18, because the computer rankings consider the quality of the opponents a team loses to.The No. 5 Boise State Broncos will face only two teams in the remaining season with winning records. The computer rankings will hurt the Broncos since their strength of schedule is low. OSU should pass them in the rankings before the season’s end.Virginia Tech, ranked fourth, plays only one currently ranked opponent the rest of the season — No. 20 Georgia Tech, who they face this weekend. The Hokies will play a conference championship game if they win out, but conference championship games took down two teams ahead of OSU in 2007.No. 3 Texas plays the toughest remaining schedule, facing three currently ranked teams in No. 20 Oklahoma, No. 16 Oklahoma State and No. 17 Kansas. This does not include the conference championship they would play if they won the rest of their regular season contests. No. 2 Alabama plays two currently ranked teams, No. 22 South Carolina this weekend and No. 9 LSU in two weeks, and has a conference championship at the end of the year.Top-ranked Florida has an easy schedule to finish the season, playing only two teams with winning records and only one ranked team, but they must play a conference championship.Because OSU is likely to pass USC and Boise State, and the possibility of Texas losing one game in a tough schedule, only three teams would pose major threats to OSU.The other three teams all play a conference championship, likely against ranked opponents, and Alabama and Florida will play each other in the conference championship if they both win their remaining regular season games. That leaves two teams ahead of OSU.The Buckeyes must win every remaining game this year for a hope at the championship.In 2007, the Buckeyes played only one ranked opponent after Week 15 of the season, No. 18 Wisconsin, which left their strength of schedule lower than desired.This season, OSU has a possibility to play two Top 15-ranked teams in Iowa and Penn State. If OSU beats two top 15 teams, they would stay ahead of other one-loss teams in the top 10 because of their quality of wins. read more

Troy Smith JT Barrett will do nothing but rise

Left: Redshirt-freshman quarterback J.T. Barrett (16) carries the ball during a game against Illinois on Nov. 1 at Ohio Stadium. OSU won, 55-14.Credit: Ben Jackson / For The LanternRight: Then-senior quarterback Troy Smith (10) escapes a pack of Michigan defenders during a game on Nov. 18, 2006, at Ohio Stadium. OSU won, 42-39.Credit: Courtesy of TNSIn 2004, a redshirt-sophomore quarterback from Cleveland made just his fifth career start against the No. 7 Michigan Wolverines in Ohio Stadium.Before that game, not many people knew who Troy Smith was, but after defeating the highly ranked Wolverines, 37-21, in The Game, Smith became a legend in Columbus. Smith, who is set to have his No. 10 honored at halftime of Saturday’s Ohio State-Michigan matchup, said he did not know right away what that game in 2004 meant to him or the OSU faithful.“You don’t really understand the magnitude of the game until years and years after,” Smith said Monday. “Until you hit the field, and you feel that there are really hundreds of thousands of people watching you, watching your every single move, you really don’t have an understanding. It is a feeling I wouldn’t trade for anything in the world.”Smith went on to defeat Michigan in 2005 and 2006, the latter being arguably the biggest game in the rivalry’s history as the Buckeyes and Wolverines met in Ohio Stadium as No. 1 and No. 2 in the country, respectively. OSU won that 2006 game, 42-39, making Smith just the second OSU quarterback ever to go 3-0 against Michigan, joining Tippy Dye who completed the feat from 1934-36. Fast forward to 2014. Another OSU quarterback is set to make his first start against the Michigan Wolverines, albeit on a slightly different scale. When Smith defeated the Wolverines in 2004, OSU was unranked and had already suffered four losses. Now, redshirt-freshman J.T. Barrett is leading a Buckeye team that sits at 10-1, 7-0 on the season with a shot at the first-ever College Football Playoff still in reach. Despite Barrett’s inexperience, Smith said he believes the young quarterback will perform admirably against the Wolverines. “The first advice is to stick to the game plan. Don’t try to be someone that he is not,” Smith said. “Obviously we have gotten a chance to see the transformation and the growth behind J.T. Barrett this whole season and I am pretty much blown away ‘cause as a freshman, he is doing some things that it took me an ample amount of years to grasp and have an understanding about. “We as Buckeye fans, we should be privileged to see his growth and it will do nothing but rise.”Barrett, a native of Wichita Falls, Texas, admitted after a 42-27 win over the Indiana Hoosiers that he had to be educated on the rivalry with Michigan.“I knew it was big, but coming from Texas, it was Texas and Oklahoma. I went to that game being recruited. I really didn’t have anything on the team up north and Ohio State,” Barrett said. “It was a lot to learn. It’s a deep hate for those guys. Not just the players, but more the fans.”OSU coach Urban Meyer said he makes a point of making sure guys like Barrett, who might not know about the rivalry, get acclimated once they arrive at OSU. “We just make a huge deal out of rivalry games. I want the players to take ownership in the program, part ownership in the game,” Meyer said Monday. “This is not another game. This is The Game.”Smith on the other hand, knew exactly what the rivalry meant. “Growing up in Ohio, (I was) definitely biased towards having an understanding to which game was the best game of the year,” Smith said. “It is a different feel.”While Barrett might not know as much about the rivalry, he has shown a knowledge of the OSU playbook as his 42 total touchdowns are not only tied for the best in the country, but have helped him set multiple school records. One of those records used to belong to Smith, as Barrett passed the Heisman winner’s school record for passing touchdowns in a season (30) with four scoring tosses against the Hoosiers to give him 33 on the year. Barrett’s play has gotten the attention of many people including Heisman analysts, as last week Barrett was given 15/1 odds to win the award by online gambling site Smith, who has a vote as a Heisman winner, said that while he hasn’t filled out his ballot just yet, he has a soft spot for OSU candidates. “I usually like to wait until the last second. I have a tremendous amount of respect for that process and having an understanding of too what it takes to win the Heisman Trophy and I think it shouldn’t be awarded until the last game of whoever is in the standings because you never know who is going to have a breakout moment,” Smith said. “We have got great talent across the nation and (I am) definitely biased towards some of the guys who are going to be wearing the Scarlet and Gray if they are up there.”Smith added that not only is Barrett on his short list of candidates, but said the redshirt-freshman should be on other voters’ lists as well. “I think he should be in everybody’s mind. Statistically the things that he is doing, obviously numbers don’t lie,” Smith said. “Tom Herman and our offensive staff are putting him and are putting other guys in positions to make plays and J.T. is doing nothing but capitalizing on every single chance and opportunity.”Barrett said following the game against Indiana that he does not let the Heisman talk affect his game on the field. “When I think of that, Heisman and all that, I can’t control that,” Barrett said. “I try to handle things that I can control, and one of those things was so the offense could go out there and play well today.”As Barrett and the Buckeyes turn their focus to their hated rival, Smith said he believes he knows how Barrett will feel when he takes the field for the first time against Michigan. “I know J.T. is going to be on cloud nine,” Smith said.Barrett and the Buckeye are set to take on the Wolverines Saturday at noon from Ohio Stadium. read more

Football No 10 Ohio State grinds out 266 victory against No 18

Ohio State redshirt sophomore quarterback Dwayne Haskins throws a pass in the first quarter of the Buckeyes’ game against Michigan State on Nov. 10 in East Lansing, Michigan. The Buckeyes defeated the Spartans 26-6. Credit: Casey Cascaldo | Photo EditorEAST LANSING, Mich — In a game that few would describe as pretty, No. 10 Ohio State pulled out a victory in East Lansing, clawing its way past No. 18 Michigan State 26-6.With a mix of strong defenses and worse offenses, the teams combined for 17 punts on 32 possessions, while gaining only 24 combined rushing yards in the first half.Ohio State’s key to victory came from redshirt sophomore punter Drue Chrisman. On his nine punts, he pinned Michigan State within its own 10-yard line five times, resulting in a safety and defensive touchdown for the Buckeyes.Chrisman said Ohio State’s lack of success ended up benefitting him during the course of the game.“You’re getting punts on almost every drive, which is not what we want,” Chrisman said. ”You just get comfortable, into that groove and then, you’re just able to do whatever the team needs of you.”Chrisman’s day did not start off this way.On his first attempt, the redshirt sophomore muffed his kick, hitting the ball out of bounds on a 4-yard punt.The latter resulted after Chrisman pinned the Spartans at their own 1-yard line, and on the snap, the ball hit Michigan State wide receiver Larness Nelson in the side of the arm, and redshirt junior defensive tackle Dre’Mont Jones recovered it in the endzone for a score.“The coaches kept emphasizing a lot more than usual, just like ‘Our moments gonna come, we’re gonna create a turnover, we’re gonna create a turnover,’” Jones said. “On what seemed to be like a pass-option-read type of thing, he dropped it, and then we kind of wrestled for it a little bit and I came up with it.”On the very next play, redshirt freshman quarterback Rocky Lombardi throws a bad pitch and the Spartans fumble again, and again Ohio State recovered, leading to a 35-yard field goal by sophomore kicker Blake Haubeil.The Buckeyes led 19-6 following the pair of Spartan turnovers, enough to seal the victory.Redshirt junior running back Mike Weber added a touchdown late to give Ohio State the 26-6 lead that would turn out to be final.The storyline coming into this season’s matchup between Ohio State and Michigan State was if the Spartans’ No. 1 rush defense could slow down the Buckeyes’ enough to pull off an upset after they recorded 255 yards on the ground against Nebraska.Michigan State did that, holding Ohio State to 123 yards rushing on an average of 2.8 yards per carry.The first half combined strong play from both defenses and lackluster play from both offenses, leading to 11 consecutive scoreless drives to start the game.Meyer said he expects a game like this when he makes the trip to East Lansing.“We knew exactly what this would be, and it was, I mean that was November football at Michigan State,” Meyer said. “Everything about that was really hard against that defense, and I’m really ecstatic for our defense the way they came out and played.”Both Ohio State and Michigan State missed on field goal attempts before the Buckeyes scored the first points of the game on a 1-yard shovel pass from redshirt sophomore quarterback Dwayne Haskins to redshirt senior wide receiver Parris Campbell.On that drive, redshirt freshman quarterback Tate Martell saw time on one snap, earning five yards on an option run.Martell came in at the end of another drive with the Buckeyes up 13 late in the fourth quarter, but fumbled the ball on an off snap. Michigan State recovered the fumble, but Lewerke threw an errant interception to redshirt freshman safety Shaun Wade on the proceeding drive.“I think we’re gonna do more of that,” Meyer said. “When you start to get in that part of the field it’s rugged, especially against a defense like that, so I hope to use it more.”Haskins struggled for much of the game against the Spartans throwing for 218 yards, completing 28-of-38 passes and throwing for a touchdown.Michigan State swapped out redshirt junior quarterback Brian Lewerke with Lombardi on the next drive, and he led the Spartans down to a field goal with 30 seconds to go in the half.Ohio State took a 7-3 lead into the halftime, recording 147 yards of total offense to Michigan State’s 143.The Buckeyes had 14 rushing yards in the first half to the Spartans’ 10.After Ohio State failed to score on its first two drives of the third quarter, Michigan State found life when Lombardi found space at midfield, running for 47 yards to set up a 38-yard try for sophomore kicker Matt Coghlin, which he hit to bring the game to within one.Late in the third quarter, the Buckeyes had Michigan State backed within its own 1-yard line on fourth down, and the Spartans appeared to snap the ball intentionally out of the end zone, resulting in a safety, putting Ohio State up 9-6.On the punt following the safety, Michigan State booted it out of bounds, giving the Buckeyes the ball at the 50-yard line.“That was a big win, and we’re very satisfied,” Meyer said. “That was a great locker room, that’s the way it’s supposed to be, enjoy the win and get ready for the next one.”Ohio State was missing two sophomores on the defensive side, linebacker Baron Browning, who was sidelined with an injury after being a game-time decision, and safety Isaiah Pryor, who failed to travel to East Lansing with the team.The Buckeyes stay on the road to face Maryland on Nov. 17.Story updated at 5:30 p.m. to include postgame quotes. read more

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