Tự Học Access
Albina Hickel
With the focus on AI, machine learning, and cloud computing, information capture is often overlooked. Without solid capture processes, organizations risk missing digital transformation opportunities and fail to align with strategic information governance goals.
Information lifecycle management is how you get a handle on everything between document creation and secure destruction. Access provides solutions to help you manage that lifecycle, end to end. Say goodbye to gaps that waste precious time and money.
Your customers, employees, leadership team, and shareholders need you to protect their data. Our information governance approach and technology keeps all information safe, secure, and in total compliance.
You have more and more critical information. There are increasingly complex regulations about where and how it can be stored. Our records management services will keep you compliant, and keep your information secure and accessible.
When document management gets out of control, information no longer works for you. Access manages your entire information lifecycle, so you can oversee your entire program. No matter where a document is in its information lifecycle, you get ease of use, accessibility, efficiency, and cost-savings.
Access is your trusted partner for effective records and information management services. From secure storage to document digitization, our end-to-end solutions, technology-enabled suite of digital transformation services, and unrivaled expertise help your organization with its complete records lifecycle.
Providing access to all, for 40 years. At the heart of our mission is the drive to empower individuals by removing physical barriers. EZ-ACCESS strives to enhance independence, ensuring everyone can freely access their world.
DOAJ is a unique and extensive index of diverse open access journals from around the world, driven by a growing community, and is committed to ensuring quality content is freely available online for everyone.
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The ACCESS initiative seeks to foster financial inclusion and address the financial disparities experienced by minority, underserved, and unbanked populations. The initiative helps to develop policies and programs in support of financial inclusion within the NCUA and the credit union system by addressing the financial services, financial literacy, and employment needs of diverse, underserved, and unbanked communities.
Credit unions can play a key role in helping families achieve financial freedom by building generational wealth, assisting entrepreneurs to get their small businesses off the ground, and helping to create jobs and strengthen communities. The NCUA has a role to play in making sure that credit unions can support overlooked or underserved areas.
Through ACCESS, the NCUA provides resources to assist credit unions with their outreach strategies. These resources include educational webinars and the identification of grants and other financial sources to support the development and implementation of financial products and services to assist members experiencing financial hardship.
The summit involves panel discussions with experts in finance, community outreach, community development, and diversity, equity, and inclusion, along with fireside chats, roundtables, and keynote speakers. Session topics cover a wide range of outreach, financial inclusion, and DEI-related areas, including:
The policy change expands the list of exceptions. Specifically, convictions or program entries for offenses involving insufficient funds checks of moderate value, small dollar simple theft, false identification, simple drug possession, and isolated minor offenses committed by covered persons as young adults will not require an application to the NCUA Board, helping to expand potential employment opportunities for more Americans.
Credit unions have a long history of helping members through difficult times. They can offer loans through a variety of products. Federal credit unions, specifically, may offer two types of payday alternative loans to members: PALs I and PALs II.
Under the PALs program, a borrower must be a member of the credit union for at least one month. A federal credit union can charge an application fee only in the amount needed to recoup the actual costs associated with processing the application, up to $20. PAL amounts can range from $200 to $1,000. The loan terms range from 1 to 6 months.
PALs II incorporates many of the structural features of the original PALs program which was designed to protect borrowers from predatory payday lending practices. Those features include a limitation on rollovers, a requirement that each PALs II loan must fully amortize over the life of the loan, and a limitation on the permissible fees that a federal credit union may charge a borrower related to a PALs II loan. A federal credit union would also have to structure each loan as closed-end consumer credit. New or modified features unique to PALs II loans include the loan amount, loan terms, membership requirements, number of loans, and a restriction on overdraft fees.
The NCUA has indicated that it is permissible for a federal credit union to rely on individual taxpayer identification numbers (ITINs) and the matricula consular identification cards or state identification cards to open a loan account. The NCUA also indicated that federal credit unions must be sure to identify and address any risks associated with these activities. For more information, please read NCUA Legal Opinion 03-0964 (December 2003).
The NCUA has developed a Financial Education Resource Guide for credit unions that lists and links to our most popular and recent materials. Include this guide in your newsletters, all staff emails, and on your websites to support and enhance your financial education programs.
Yes, the NCUA has a video highlighting financial exploitation of older adults and the agency offers resources to help prevent elder financial abuse, including a one page flyer to help credit union staff spot and report possible elder financial abuse and recognize financial scams specifically targeting older people.
Credit unions can serve the disabled community by informing them about resources like Achieving a Better Life Experience, or ABLE, accounts. The NCUA developed an easy-to-read graphic that credit unions share online and in-person to help their members learn the basics. Find it here.
A federally chartered credit union is a great way to create access to affordable financial services to people where you work or worship, members of an association where you belong, or people in your community.
The NCUA defines a minority depository institution as a federally insured credit union in which a majority of its current members, its board of directors, and the community it services, as designated in its charter, fall within any of the eligible minority groups as described in Section 308 of the Financial Institutions Reform, Recovery and Enforcement Act of 1989: any Black American, Asian American, Hispanic American, or Native American.
Yes, through the Community Development Revolving Loan Fund (CDRLF). The CDRLF provides funding to help low-income-designated credit unions provide affordable financial services to their members to stimulate economic activities in their communities. The NCUA administers the CDRLF, which is funded by congressional appropriations. The NCUA makes technical assistance grants to eligible credit unions for a variety of initiatives approved by the NCUA Board.
If you are a low-income designated credit union there are grants for a variety of initiatives. Before each grant round the NCUA determines what initiatives to offer credit unions. These initiatives assist credit unions in their growth and outreach efforts. For more information and examples from the 2022 grant cycle, please read, 2022 Community Development Revolving Loan Fund Grant Round Application Guidelines.
In addition, if you have are a low-income designated credit union, and need financial support to help respond to an unexpected emergency, or if you are a newly chartered credit union and need funds to pay for certain activities you may be eligible for an Urgent Need grant. For more information on the parameters for this grant, please view the instruction, Urgent Need Grant Initiative Guidelines.
The webinar provided overview of 2022 funding available from two federal government agencies, the NCUA and the Community Development Financial Institutions Fund. The NCUA presented the 2022 grant initiatives of the Community Development Revolving Loan Fund. The CDFI Fund will detailed its Small Dollar Loan Program and highlighted other funding programs of interest.
Yes, the NCUA encourages credit unions to promote diversity and inclusion as a competitive advantage for their organizations. Doing so can inform business strategies that unleash employee potential, attract talent to develop innovative solutions to leverage business opportunities, and help you identify and meet the needs of underserved markets.
To promote greater financial inclusion and strengthen communities, the NCUA encourages credit unions to expand their service to underserved areas. Any federal credit union with a multiple common bond field of membership may include in its field of membership, without regard to location, underserved communities as defined by the Federal Credit Union Act.
The program provides education for consumers on refundable credits, such as the Earned Income Tax Credit (EITC) and the Child Tax Credit (CTC). These refundable federal tax credits can provide thousands of dollars to working individuals and families with low to moderate incomes.
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