Thought Leadership
The Common Denominator
Posted on October 14, 2016
Regardless of the medium or vehicle for the transference of data, there is one essential property to every credit transaction that never changes, "the numbers."
It's Not Just the Rate...
Posted on July 11, 2016
It's Not Just the Rate... By: Jeff Buysse At Carleton, we spend a lot of time and focus on helping our partner lenders stay compliant in the area of the maximum state finance charge that ...Military APR Changes on the Horizon
Posted on May 18, 2016
Military APR Changes on the Horizon Carleton announces the July release of the latest CarletonCalcs® Origination module to support the changes identified in the 2015 amendment of the Military L...How "Clean" is That Portfolio?
Posted on April 25, 2016
How “Clean” is that Portfolio? An industry trend of the steadily increasing pace of regulation and the resulting volume of requirements is placing a great...Credit Insurance on the Move!
Posted on January 15, 2016
Credit Insurance Rates on the Move! Entering into 2016, three states published prima facie credit insurance rates will be changing. Specifically, Colorado, Nebraska, and Virginia promulgate new...APRWin is Not Infallible!
Posted on August 27, 2014
APRWin is Not Infallible! By: Joe Discenza APRWin, from the Office of the Comptroller of the Currency, is a mainstay in compliance circles. It is a great tool, and, like nearly every fie...The Actuarial Method - Beware the Compounding
Posted on April 24, 2014
The Actuarial Method - Beware the Compounding During a recent training session for a group of newer employees (fairly new by Carleton standards, since our average tenure is approximat...Computing an APR with the new Mortgage Payment Disclosures
Posted on March 26, 2014
Computing an APR with the new Mortgage Payment Disclosures Had an interesting phone message from a colleague attending a Mortgage Bankers Conference yesterday. It went something like this:...Is Calculation Validation Included in Your Compliance Program?
Posted on March 05, 2014
Is Calculation Validation Included in Your Compliance Program? Often we fall prey to not being able to see the forest because of the trees. The details overwhelm us and we miss the proverb...The APR: Semi-monthly Complications
Posted on December 31, 2013
The APR: Semi-monthly Complications There has been a marked increase over the past couple of years in credit plans being tailored to the payroll frequencies of respective borrowers and retail bu...