While private lenders could offer IDR plans, the complexity in marketing, disclosing, and servicing such a loan has deterred most from doing so. The calculations related to payment inflows, delinquency, potential principal forgiveness, and charge-off rates make loss curve projections far more complicated to accurately forecast. By crafting a program that clearly understands and articulates the points noted in this article, a private lender could potentially unlock a beneficial loan program or modification strategy for their portfolio.

Most people enjoy playing games, and we don’t just play conventional classics like chess, scrabble, poker, and Monopoly – we love to apply game elements to (“gamify”) other areas of our lives. Gamification can be leveraged within every business to energize the completion of tasks that may not be incredibly engaging or exciting on their own, and we’ve provided a few examples of tasks to gamify and reward top performances in this article.

The National Association of Qualified Financiers (NAQF) was recently asked to rank the medical schools in the Caribbean based on public information available. Through this analysis completed in 2025, we gained a tremendous amount of knowledge and understanding which is shared within this article.

The Federal Trade Commission has taken action against Illuminate Education following a major data breach that enabled hackers to access the personal data of more than 10 million students.

There are significant benefits from working in a physical office environment, including participation in live observation and training, mentorship opportunities, and being able to pick up on non-verbal cues often missed online. However, the costs of realizing these benefits cannot be paid solely by employees in the form of longer commutes and shifting work-life balances. To reduce resistance to this significant change, businesses should consider implementing these best practices to facilitate the innovative, collaborative office culture they desire.

The FBI issued a Public Service Announcement regarding the use of various fraud strategies designed to facilitate Account Takeover (ATO), including the impersonation of financial institution staff, social engineering, and mirrored (or “spoofed”) websites.

From students using ChatGPT to concerns of an emerging AI stock bubble to a computerized voice greeting you to take your order at Taco Bell, we can’t seem to get away from artificial intelligence (AI). Engineers grow weary of unrealistic expectations, consumers fondly remember when they could reach an actual human being, and business owners and employees feel left behind if their models aren’t delivering results.

We shouldn’t fear or be disillusioned by something we don’t fully understand. To that end, this article helps to understand and reset expectations around AI’s capabilities and limitations.

The National Credit Union Administration placed Copper & Glass Federal Credit Union in Glassport, Pennsylvania, into conservatorship. The NCUA placed Copper & Glass Federal Credit Union took this action because of unsafe and unsound practices at the credit union. While continuing normal member services, the NCUA will work to resolve issues affecting the credit union’s operations.

The Consumer Financial Protection Bureau (CFPB) has updated their proposed rule for implementing section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act and streamlined the requirements to maintain compliance. The comment period runs through December 15th, 2025.

Your employee, late on Friday afternoon, abruptly informs you they’re leaving the company and starting a new position elsewhere on Monday morning. Or worse, they just stopped coming to the office and let you know when you contacted them. They didn’t talk to anyone about their plans, and now a million questions come racing into your mind all at once, everything from “why are you leaving?” to “what were your key functions?” to “who can temporarily take this employee’s place?”

Learn how to better prepare yourself and your organization through these best practices.

The effort of companies to attract the best candidates in the most economical way possible has had the unforeseen consequence of making the hiring and recruiting process excruciatingly inefficient for both HR departments and prospective candidates. While each step to hiring expediency and automation made sense, they also created new challenges that uncovered significant fundamental weaknesses in the system and ultimately to sub-optimal hiring decisions overall. Learn about these challenges and opportunities for both employers and prospective candidates to improve the likelihood of success in finding a good match.

The best investigators catch criminals by thinking like one. While not an exhaustive list, we have provided a list of examples to highlight cases of how a marine transaction might be used to launder money or conceal illicit activity.

Thinking about the most recent business continuity tabletop exercises in which I’ve participated, some glaring weaknesses and themes came to mind – and that’s assuming the exercise was even scheduled (and wasn’t canceled). Consider ways to create compelling scenarios that challenge players to adapt to ever-changing circumstances, support the team’s goals (potentially to the detriment of individual players), and make difficult decisions without complete information in uncertain environments.

In its current construction, compliance training is operationally inefficient - it costs considerable time, energy, money, and focus, and it’s unclear whether employees are actually absorbing the training material and applying it to their current role. There are clear opportunities to use compliance training and drive employee development throughout an institution, and this articles highlights best practices toward that end.