Jan Owen
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Articles by Jan Owen
Keep current council
Keep current council 20 years. First time I felt comfortable with the town and the town council. First time felt the town council was thinking of me, a middle income resident and the need to provide for families with children (the pool). Keep our current council. Payson does not need NIMBYS. We have a council for the people! kAmy2? ~H6?[ !2JD@?k^Am
Open your heart
Open your heart I am writing in response to Del Owens’ letter regarding housing for low-income persons. I was not aware that the resistance in some quarters was a racist issue. The issue to me is another NIMBY (“not in my backyard”) issue. Or I have mine, so no one else matters mentality. We need affordable housing for workers who check us out at the grocery, for teachers, nurses, even for doctors who come and go like the tide.
The Ohasi Bridge in Senju
Dang, sorry. This is only available to a Meanjin subscriber. But we can fix that. It\’s just $100 for a print subscription, $5 for a monthly digital subscription, and $50 for an annual digital subscription.
Corporate Governance
In a significant development for state nonmember banks with assets of at least $10 billion (Covered Institutions), the Federal Deposit Insurance Corporation (FDIC) has recently proposed comprehensive corporate governance and risk management guidelines (NPR) that would impose significant requirements on a broad set of institutions which have historically been below the thresholds from this type of prescribed regulation and oversight.
FDIC Proposes Corporate Governance and Risk Management Standards for Select Institutions | JD Supra
In a significant development for state nonmember banks with assets of at least $10 billion (Covered Institutions), the Federal Deposit Insurance Corporation (FDIC) has recently proposed comprehensive corporate governance and risk management guidelines (NPR) that would impose significant requirements on a broad set of institutions which have historically been below the thresholds from this type of prescribed regulation and oversight.
California DFPI Proposes “Registration” Requirements | JD Supra
On March 17, the California Department of Financial Protection and Innovation (DFPI) proposed its long-awaited registration requirements for certain covered persons under the California Consumer Financial Protection Law (CCFPL). The DFPI also proposed certain clarifying amendments to the California Financing Law (CFL) regarding advances. The text of the proposed regulations can be found here.
California Regulator Proposes Debt Collector Licensing Rules | JD Supra
The DCLA was enacted in September 2020 and became operative on January 1, 2022. Persons subject to licensing under the DCLA generally were required to have applications on file by December 31, 2021. Some of the terms used in the DCLA suggested that its scope may be similar to that of the Rosenthal Fair Debt Collection Practices Act (RFDCPA). The RFDCPA applies to third-party debt collectors, but also applies to a creditor collecting its own debts.
[Webinar] The CFPB’s New Tactics: Strategies for Mitigating Regulatory Risk in 2022 - April 28th, 1:00 pm - 2:00 pm ET | JD Supra
April 28th, 2022 1:00 PM - 2:00 PM ET Since the beginning of the Biden Administration, the Consumer Financial Protection Bureau (CFPB) has announced its intention to significantly increase its enforcement activity and expand its reach through aggressive interpretations of its authority to prohibit unfair, deceptive and abusive practices and the promulgation of new regulations.
Utah Enacts Commercial Finance Disclosure and Registration Law | JD Supra
Merchant Cash Advance providers, commercial litigation funders, online SMB lending platforms and other nonbank small-business lenders, take note: Following the lead of California and New York, Utah is now the third state to enact disclosure requirements for commercial lending transactions.
Exemption From California Lender Licensing Law for Single Loan About to Expire | JD Supra
An exemption from the California lender licensing law for a person making a single commercial-purpose loan in a rolling 12-month period is about to “sunset” in California, impacting persons who have relied upon the exemption, including when structuring transactions through special-purpose vehicles (SPVs).
What You Need to Know About NY’s Proposed Debt Collection Regulations | JD Supra
On December 15, 2021, the New York State Department of Financial Services published proposed amendments to the state’s debt collection regulations (the Amendments). The Amendments would broaden the scope of the existing rules and therefore are likely to have a significant impact on entities that have not previously considered themselves to be debt collectors.
The Surprisingly Broad Reach Of CA's Debt Collection Licensing Act: Applications Due By December 31
Manatt, Phelps & Phillips LLP United States: The Surprisingly Broad Reach Of CA's Debt Collection Licensing Act: Applications Due By December 31 16 December 2021 by Charles E. Washburn, Jr. , Jan L. Owen , Scott M. Pearson and John A. Kimble Manatt, Phelps & Phillips LLP To print this article, all you need is to be registered or login on Mondaq.com.
The Surprisingly Broad Reach of CA’s Debt Collection Licensing Act: Applications Due By December 31 | JD Supra
Earlier this month, the California Department of Financial Protection and Innovation (DFPI) sent an email with the attention-grabbing subject line “Want to continue operating in California? You need to apply for a license with us.” What the message referred to is the California Debt Collection Licensing Act (DCLA), which was added to the California Financial Code by Senate Bill 908.
Lace Up To Support Bloomingdale High School With Bulls 5K
The Running of the Bulls 5K will take place on Sunday, May 23 at 8 a.m. By Jan Owen Bloomingdale’s Running of the Bulls 5K returns in May. The 5K is a local favorite bringing in runners and walkers from all over the area, current students and BSHS alumni. Local runner Heather Berry has many reasons for why she enjoys the Running of the Bulls.
[Webinar] The Growing Wave of Financial Enforcement: A Look at the CFPB and California’s New DFPI - March 17th, 2:00 pm - 3:00 pm ET | JD Supra
March 17th, 2021 2:00 PM - 3:00 PM ET With an ever-evolving enforcement regime at the federal and state levels, the financial services industry faces complex regulatory issues.
CFPB News: How Warren Protégé Chopra Will Impact Consumer Financial Protection | JD Supra
Rohit Chopra will be nominated as the next Director of the Consumer Financial Protection Bureau (CFPB or Bureau). We break down below some of the more immediate impacts of a Chopra-helmed CFPB. What Happened Be careful what you wish for.
California Financial News: Enhanced DFPI Prepares to Flex Its Muscles | JD Supra
As we previously reported, the newly established California Department of Financial Protection and Innovation (DFPI) starts the new year with greatly enhanced powers, and it is making sure consumers, industry and the general public are on sufficient notice. We discuss the latest below. What Happened In late 2020, the California legislature passed the California Consumer Financial Protection Law (CCFPL) (AB 1864).
FDIC Issues Final Rule for Industrial Bank Application Process | JD Supra
What Happened On December 15, 2020, the Federal Deposit Insurance Corporation (FDIC) adopted a final rule, effective April 1, 2021, setting forth conditions, commitments, and requirements for the approval of deposit insurance applications, changes in control, and merger transactions in which an insured industrial bank or industrial loan company (ILC) would become a subsidiary of a company not subject to consolidated supervision from the Federal Reserve Board that would directly or indirectly...
Consent Order Confirms California MCA Enforcement Campaign | JD Supra
On November 12, 2020, the California Department of Financial Protection and Innovation (DFPI) (until recently called the Department of Business Oversight) entered into a consent order with Allup Finance LLC (Allup) finding that Allup’s merchant cash advance (MCA) product was a disguised usurious loan offered without obtaining a license under California’s “catchall” lender licensing law, the California Financing Law (CFL).
5 things you need to do to recruit and retain talent
There’s a whole industry dedicated to the human resources skill set, but it can be out of reach for many small businesses. If you’re running a team of five, the costs of hiring a HR Manager can be hard to justify. Too often, the HR Manager is you – on top the million other things you have going on. Having the right team in place, ensuring they are productive and retaining them is, and has always been, a key driver of commercial success.
Third-Party Vendor Management Remains a Critical Issue for Banks | JD Supra
More than ever before, banks are relying on third-party vendors for important services such as marketing, underwriting assistance, technology, collections, settlement services and even outsourcing of product lines. These third-party services can offer significant benefits in terms of efficiency and customer service, but they also present a range of risks that must be managed carefully.
FFIEC Guidance Continues to Encourage Prudent Credit Accommodations | JD Supra
On August 3, 2020, the Federal Financial Institutions Examination Council1 (FFIEC) issued a new joint statement of principles for banks to consider while working with their loan customers as the end of COVID-19 initial loan accommodation periods wind down. Bank regulatory agencies have previously encouraged financial institutions to work closely with borrowers to enter into loan accommodations to mitigate the adverse impact of the global pandemic.
Cryptocurrency Custody Activities Confirmed for National Banks—But With Caution | JD Supra
Following ongoing efforts to promote the expansiveness of the national bank charter, on July 22, 2020, the Office of the Comptroller of the Currency (OCC) issued an interpretive letter confirming the authority of a national bank to provide cryptocurrency custody services for customers.1 Without leaving anything to chance, the OCC further clarified that so long as they are able to manage appropriate risks and comply with applicable law, national banks may provide permissible banking services...
OCC Moves Forward Alone, Issues Final Community Reinvestment Act Rule | JD Supra
On May 20, the OCC issued its final rule intended to modernize and clarify the Community Reinvestment Act (CRA). The rule included the surprising footnote that the FDIC, which had joined as a partner in the Notice of Proposed Rulemaking (NPR) issued on January 9, would not be joining in the final rule.
California Bill Would Require Mortgage, Auto and PACE Forbearances and Restrict Payday Lending | JD Supra
Through an amendment to Assembly Bill 2501, California Assembly Banking and Finance Chair Monique Limon has introduced sweeping forbearance legislation that would impact single-family and multifamily mortgages, auto-secured financing, Property Assessed Clean Energy (PACE) financing, and payday loans.
Feds, States Offer Guidance on Loan Modifications | JD Supra
Updated: May 25, 2018: JD Supra is a legal publishing service that connects experts and their content with broader audiences of professionals, journalists and associations.
California Agencies Release Guidance for Banks, Lenders | JD Supra
Updated: May 25, 2018: JD Supra is a legal publishing service that connects experts and their content with broader audiences of professionals, journalists and associations.
Fair Lending: CFPB Agrees to Restart Women- and Minority-Owned Business Data Collection | JD Supra
Updated: May 25, 2018: JD Supra is a legal publishing service that connects experts and their content with broader audiences of professionals, journalists and associations.
[Webinar] Banking and Fintech Transactions: 2020 Forecast - March 25th, 2:00 pm ET | JD Supra
Updated: May 25, 2018: JD Supra is a legal publishing service that connects experts and their content with broader audiences of professionals, journalists and associations.
CSBS Reports On Progress in Implementing Vision 2020 | JD Supra
Updated: May 25, 2018: JD Supra is a legal publishing service that connects experts and their content with broader audiences of professionals, journalists and associations.
California DBO Challenging Transactions as Disguised Loans | JD Supra
Updated: May 25, 2018: JD Supra is a legal publishing service that connects experts and their content with broader audiences of professionals, journalists and associations.
Two Powerful New State CFPBs? California, New York Proposals May Rock the Financial World | JD Supra
Updated: May 25, 2018: JD Supra is a legal publishing service that connects experts and their content with broader audiences of professionals, journalists and associations.
CSBS Seeks Comment on Model Law for Money Services Businesses | JD Supra
Updated: May 25, 2018: JD Supra is a legal publishing service that connects experts and their content with broader audiences of professionals, journalists and associations.
California Goes Public With Banks | JD Supra
Updated: May 25, 2018: JD Supra is a legal publishing service that connects experts and their content with broader audiences of professionals, journalists and associations.
California DBO Offers Guidance on Cannabis Banking | JD Supra
Updated: May 25, 2018: JD Supra is a legal publishing service that connects experts and their content with broader audiences of professionals, journalists and associations.
FASB Proposes CECL Delay for Smaller Banks | JD Supra
Updated: May 25, 2018: JD Supra is a legal publishing service that connects experts and their content with broader audiences of professionals, journalists and associations.
Calif. Regulator Not Alone In Consumer Lending Concerns
Law360 (September 3, 2019, 4:22 PM EDT) -- California nonbank consumer lenders are moving away from small-dollar, short-term payday loans and are embracing longer-term installment loans with amounts over $2,500 to avoid interest rate caps. According to the California Department of Business Oversight, this was the takeaway from reports it issued on Aug.
California Regulator: Lenders Moving Away From Small-Dollar Loans to High-Interest Installment Loans | JD Supra
Updated: May 25, 2018: JD Supra is a legal publishing service that connects experts and their content with broader audiences of professionals, journalists and associations.
Effectively Responding to State Regulatory Exam Criticisms: Five Takeaways | JD Supra
Updated: May 25, 2018: JD Supra is a legal publishing service that connects experts and their content with broader audiences of professionals, journalists and associations.
Backing the wild dreams of youth: Jan Owen
Jan leads the Foundation for Young Australians, a not-for-profit organisation which actively supports and encourages entrepreneurial young people. Jan's decades of work in the youth sector at home and internationally, and her role as a youth champion have their roots in her own story. As a child, she watched on as her parents helped establish one of the first Lifeline call centres, in Brisbane; and was often with them as they personally assisted people in distress.
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