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# United Creditors Connect | Finance Educational Conference

Discover credit union innovation. Dive into traditions, explore horizons, and empower your financial path with leading education and collaboration.

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## Posts

- [From Application to Approval: Transforming Lending & Growing Deposits in 2025](https://www.unitedcreditorsconnect.com/news/from-application-to-approval-transforming-lending-growing-deposits-in-2025/) - Join Our Webinar Thursday, April 10th, 2025 @ 1 PM EST / 10 AM PST From Application to Approval: Transforming Lending & Growing Deposits in 2025 Thursday, April 10th, 2025 @ 1 PM EST / 10 AM PST Michael Pupil Vice PresidenT Michael Pupil, VP of Sales, brings 20+ years of expertise in Financial
- [Managing Delinquencies Like a Pro: Expert Tips Across the Loan Lifecycle](https://www.unitedcreditorsconnect.com/news/managing-delinquencies-like-a-pro-expert-tips-across-the-loan-lifecycle/) - Join Our Webinar Wednesday, May 22nd, 12-1 PM ET Managing Delinquencies Like a Pro: Expert Tips Across the Loan Lifecycle Wednesday, May 22nd, 12-1 PM ET Meet Our Featured Speakers John DeLuccia CPI Sales Specialist Aaron Dils SVP of Sales Michael Pupil VP of Sales Craig Geisler President We are delighted to invite you
- [Webinar - Arbitrage & Cybersecurity](https://www.unitedcreditorsconnect.com/news/webinar-arbitrage-cybersecurity/) - JOIN OUR FREE WEBINAR ON Navigating the Auction Arbitrage Landscape: Strategies and Insights Broadcast Time: Friday, July 19th, 2024 at 11 AM PST. Join us for an engaging UCC Webinar on "Auction Arbitrage." Moderated by Mario Aguirre, CEO of United Credit Union, and featuring industry experts Sheila Tedesco and Don The Cybersecurity Expert, this session
- [Economic Trends 2024:  A Credit Union Guide](https://www.unitedcreditorsconnect.com/news/economic-trends-2024-a-credit-union-guide/) - JOIN OUR FREE WEBINAR ON Economic Trends 2024: A Credit Union Guide BROADCAST TIME: DECEMBER 4TH, 2023 @ 2:00 PM CST Join us for a session with Blake Hastings, a former Federal Reserve economist, as he unpacks the economic outlook for credit unions in 2024. His deep dive into economic predictions, risks, and opportunities will
- [Protecting Your Credit Union From Cyber Attacks and Ransomware](https://www.unitedcreditorsconnect.com/news/protecting-your-credit-union-from-cyber-attacks-and-ransomware/) - JOIN OUR FREE WEBINAR ON Protecting Your Credit Union From Cyber Attacks and Ransomware BROADCAST TIME: JANUARY 26T, 2024 @ 12 NOON PST Uncover how just one Credit Union employee's mistake could expose the entire system to cyber threats, emphasizing the urgent need for comprehensive cybersecurity awareness. Learn why conventional defenses are lagging behind innovations
- [Sudden ATM Vendor Shutdown Strands Credit Union Members Across 12 States](https://www.unitedcreditorsconnect.com/news/sudden-atm-vendor-shutdown-strands-credit-union-members-across-12-states/) - An out-of-service ATM. A major ATM service provider’s abrupt collapse left many credit union ATMs offline, cutting off members’ access to cash. Dozens of credit unions and their members were thrown into turmoil in early April after ATM Solutions Inc., a third-party cash servicing vendor, suddenly shut down operations without warning. In an April 3
- [Credit Union Industry Lawsuit Halts CFPB Medical Debt Rule, Leaving Patients in Limbo](https://www.unitedcreditorsconnect.com/news/credit-union-industry-lawsuit-halts-cfpb-medical-debt-rule-leaving-patients-in-limbo/) - A new Consumer Financial Protection Bureau (CFPB) rule aimed at helping millions of Americans with medical debt has been derailed in court – with credit union industry groups playing a key role. Under the previous administration, the CFPB finalized a rule that would ban medical debt from credit reports, a change projected to benefit 15
- [75-Year-Old Unilever Federal Credit Union Fails; NCUA Liquidates Insolvent Institution](https://www.unitedcreditorsconnect.com/news/75-year-old-unilever-federal-credit-union-fails-ncua-liquidates-insolvent-institution/) - In a rare failure for the credit union industry, federal regulators shut down Unilever Federal Credit Union of New Jersey on April 30 after deeming the small institution insolvent. The National Credit Union Administration (NCUA), which insures and supervises credit unions, announced it had liquidated Unilever FCU and discontinued its operations upon determining the credit
- [Court Scraps CFPB’s $8 Late Fee Cap, Reversing 2024 Rule](https://www.unitedcreditorsconnect.com/news/court-scraps-cfpbs-8-late-fee-cap-reversing-2024-rule/) - Industry Lawsuit and New Leadership Prompt Rule’s Demise The drama over credit card late fees took a new turn in 2025. A federal judge threw out the CFPB’s $8 late fee cap rule in April 2025, just weeks before it was set to take effect. In a surprising twist, the CFPB itself – now under
- [Credit Unions Break Records Buying Banks – and Draw Scrutiny](https://www.unitedcreditorsconnect.com/news/credit-unions-break-records-buying-banks-and-draw-scrutiny/) - 22 Bank Acquisitions in 2024 Expand Footprints but Hurdles Grow In 2024, credit unions didn’t just merge with each other – they went on an unprecedented buying spree of community banks. Twenty-two bank acquisition deals were announced by credit unions during the year, the most ever in a single year and double the pace seen
- [CFPB Pulls Dozens of Guidance Documents, Easing Some Collection Constraints](https://www.unitedcreditorsconnect.com/news/cfpb-pulls-dozens-of-guidance-documents-easing-some-collection-constraints/) - Policy Shift Removes Interpretations on Medical, Time-Barred Debt and More In spring 2025, the CFPB took the unusual step of withdrawing 67 guidance documents, part of a house-cleaning under its new leadership. Among the scrapped materials were several bulletins and advisory opinions that had clarified (or tightened) expectations on debt collection and credit reporting. Notably,
- [Credit Union Consolidation Accelerates: 162 Mergers in 2024](https://www.unitedcreditorsconnect.com/news/credit-union-consolidation-accelerates-162-mergers-in-2024/) - Industry Shake-Up as Many Small CU's Merge for Survival or Scale The credit union landscape is rapidly changing, and 2024 was a banner year for mergers. The NCUA approved 162 consolidations in 2024, a jump from 145 the year prior. While some mergers were strategic (26 deals driven by the desire to expand services and
- [New Administration Hits ‘Pause’ on Regulations, Alters Compliance Climate](https://www.unitedcreditorsconnect.com/news/new-administration-hits-pause-on-regulations-alters-compliance-climate/) - January 2025 Freeze Order Stalls Pending Rules – “Junk Fee” Drive Stalls The inauguration of President Trump in January 2025 brought an immediate shift in regulatory momentum. On Day 1, the White House issued a broad “Regulatory Freeze” memorandum ordering agencies to halt new rules and delay recently finalized ones pending further review. For credit unions,
- [CFPB Bans Medical Bills on Credit Reports, Changing Collections Playbook](https://www.unitedcreditorsconnect.com/news/cfpb-bans-medical-bills-on-credit-reports-changing-collections-playbook/) - New Rule (Now on Hold) Would Remove $49 B in Medical Debts from Reports In January 2025, the CFPB finalized a sweeping rule to block medical debt from consumer credit reports – a move with far-reaching implications for lenders and collectors. The rule prohibits credit bureaus from including medical bill information on reports used for lending
- [Fraud Surge: Synthetic Identities Drive Up Losses in Loan Portfolios](https://www.unitedcreditorsconnect.com/news/fraud-surge-synthetic-identities-drive-up-losses-in-loan-portfolios/) - Record $3.2 B in Synthetic Fraud Losses Hits Lenders, Autos Hardest A troubling trend for creditors became starkly clear in late 2024 and into 2025: synthetic identity fraud – where fraudsters create fictitious borrowers by combining real and fake personal data – has exploded to all-time highs. A TransUnion fraud study revealed U.S. lenders lost a
- [Text Messaging and Automation Supercharge Collections Outreach](https://www.unitedcreditorsconnect.com/news/text-messaging-and-automation-supercharge-collections-outreach/) - Fintech Partnerships Help CUs Meet Members on Their Phones In 2024, credit unions doubled down on digital communication to reach delinquent members, adopting modern collections platforms at a record pace. One standout example: AKUVO’s collections platform added 55 new financial institution clients in 2024 alone, including dozens of credit unions upgrading from aging systemsc. The
- [Regulators Zero In on ‘Junk Fees’ – Overdraft Practices Under Scrutiny](https://www.unitedcreditorsconnect.com/news/regulators-zero-in-on-junk-fees-overdraft-practices-under-scrutiny/) - NCUA and CFPB Warn Against Fee Practices Hurting Members In 2024, regulators turned up the heat on overdraft and non-sufficient fund (NSF) fees, seeing them as harmful “junk fees” that can drive accounts into collections. The National Credit Union Administration issued guidance urging credit unions to address “Consumer Harm Stemming from Certain Overdraft and NSF
- [CFPB Shuts Down Abusive Student Loan Collector in Fee Scheme](https://www.unitedcreditorsconnect.com/news/cfpb-shuts-down-abusive-student-loan-collector-in-fee-scheme/) - Enforcement Action Signals Hard Line on Unfair Collection Tactics In late 2024, the CFPB took aim at a third-party collections agency engaged in egregious practices, underscoring that unethical collectors will face harsh consequences. The Bureau’s order against Performant Recovery, Inc. revealed the company had been deliberately delaying student loan rehabilitation processes to trigger extra fees
- [Historic Redlining Settlement: DOJ Hits Credit Union for $6.5 M](https://www.unitedcreditorsconnect.com/news/historic-redlining-settlement-doj-hits-credit-union-for-6-5-m/) - First-Ever Redlining Case Puts Fair Lending on Collections’ Radar In a landmark enforcement action, the U.S. Justice Department announced its first redlining consent order involving a credit union, ordering Citadel Federal Credit Union (PA) to pay over $6.5 million over discriminatory lending practices. Federal investigators found that Citadel avoided serving majority-Black and Hispanic neighborhoods around Philadelphia
- [Student Loan Repayments Resume, Raising Red Flags for Lenders](https://www.unitedcreditorsconnect.com/news/student-loan-repayments-resume-raising-red-flags-for-lenders/) - End of Payment Pause Strains Borrowers, Could Spill Over to CU Loans After a three-year pandemic pause, federal student loan payments kicked back in during late 2023 – and by 2024 the effects were reverberating. Millions of Americans had to fit hefty student loan bills back into their budgets starting that October. The NCUA cautioned
- [Supreme Court Upholds CFPB, Preserves Regulatory Framework](https://www.unitedcreditorsconnect.com/news/supreme-court-upholds-cfpb-preserves-regulatory-framework/) - High Court’s 7–2 Decision Means CFPB Rules and Exams Continue Uninterrupted A cloud of uncertainty lifted in mid-2024 when the U.S. Supreme Court affirmed the constitutionality of the CFPB’s funding and structure. By a 7–2 vote in CFPB v. CFSA (May 2024), the justices rejected a challenge that argued the Bureau’s funding via the Federal
- [Leveraging TLOxp in Credit Unions: A Tool Beyond Skip Tracing](https://www.unitedcreditorsconnect.com/news/leveraging-tloxp-in-credit-unions-a-tool-beyond-skip-tracing/) - When it comes to managing credit applications, credit unions often seek reliable and efficient tools to verify applicant information. While TransUnion's TLOxp is widely recognized for its skip tracing capabilities, its application in credit unions extends far beyond this use. This article delves into how TLOxp can be employed in verifying credit application information, aligning
- [Auto Loan Troubles Mount as Indirect Lending Hits a Snag](https://www.unitedcreditorsconnect.com/news/auto-loan-troubles-mount-as-indirect-lending-hits-a-snag/) - Credit Unions Face Rising Auto Delinquencies and Regulatory Scrutiny Auto loans emerged as the epicenter of credit risk for credit unions in 2024. After a boom in 2021–2022 when many credit unions aggressively grew auto portfolios (often via indirect dealer lending), the tide turned. By Q4 2024, auto loan delinquencies had surged past prior norms
- [CFPB Slashes Credit Card Late Fees to $8, Shaking Up Collections](https://www.unitedcreditorsconnect.com/news/cfpb-slashes-credit-card-late-fees-to-8-shaking-up-collections/) - New Rule Caps “Junk Fee” and Sparks Industry Pushback The Consumer Financial Protection Bureau finalized a rule in early 2024 to drastically cut credit card late fees – from typical levels around $30 down to an $8 safe-harbor cap for large card issuers. CFPB Director Rohit Chopra declared that “today’s rule ends the era
- [AI Takes Center Stage in Collections Strategies](https://www.unitedcreditorsconnect.com/news/ai-takes-center-stage-in-collections-strategies/) - Credit Unions Embrace Chatbots and Machine Learning to Boost Recoveries During 2024, artificial intelligence made a breakthrough in credit union collections, promising smarter workflows and better member engagement. At the National Credit Union Collections Alliance (NCUCA) conference in April, technology demos stole the show: industry vendors showcased AI-driven solutions that can predict delinquencies, recommend next
- [Delinquencies Climb to Decade Highs, Credit Quality Slips](https://www.unitedcreditorsconnect.com/news/delinquencies-climb-to-decade-highs-credit-quality-slips/) - Economic Strains Push Loan Defaults to 10-Year Peak After years of unusually low defaults, credit union delinquencies surged in 2024 to their highest levels in over a decade. An S&P Global analysis showed loans 60+ days delinquent hit 0.97% of total loans by year-end 2024, up from 0.83% a year prior and the worst
- [Auto Auction Arbitrage: What You Need to Know!](https://www.unitedcreditorsconnect.com/news/auto-auction-arbitrage-what-you-need-to-know/) - Understanding Auto Auction Arbitrage: What You Need to Know! Transparency and fairness are critical in the auto auction industry, but are you being misled by selective data? In this video, we break down the truth about vehicle arbitrage and how some auctions exploit it to distort the facts. Learn how to spot misleading tactics,
- [Unlocking Potential: Credit Unions Embrace ITIN Members for a Brighter Financial Future](https://www.unitedcreditorsconnect.com/news/unlocking-potential-credit-unions-embrace-itin/) - Unlocking Potential: Credit Unions Embrace ITIN Members for a Brighter Financial Future In the vast mosaic of America's financial landscape, a group once overlooked is now finding its rightful place. They are the holders of the Individual Taxpayer Identification Number (ITIN) – a special tax processing number issued by the Internal Revenue Service
- [Auto Industry Faces Surge in Repossessions as High-Interest Car Loans Strain Owners' Finances](https://www.unitedcreditorsconnect.com/news/auto-industry-faces-surge-in-repos-high-interest-car-loans-strain/) - Auto Industry Faces Surge in Repossessions as High-Interest Car Loans Strain Owners' Finances As the cost of living continues to rise, putting additional pressure on already stretched budgets, the auto industry is grappling with a notable surge in repossession cases. High-interest car loans, which once seemed like a convenient solution, are now becoming a

## Pages

- [UCC Conference](https://www.unitedcreditorsconnect.com/) - Empowering unity & knowledge, fusing tradition and innovation in the credit union and financial services industry.
- [Vendor Information Guide](https://www.unitedcreditorsconnect.com/vendor/vendor-information-guide/) - Welcome to United Creditors Connect! This page provides UCC valued vendors with all the essential information to make your experience seamless and productive. 01 2026 Check-In and Registration Check-In Date: Monday, August 9, 2027 Check-In Location: The Venetian - Front Desk Check-In for Rooms Lanyard / Name Tag Issuance: 2 PM - 5 PM / Registration
- [UCC Attendee Scholarship](https://www.unitedcreditorsconnect.com/ucc-attendee-scholarship/) - Explore Your Potential: United Creditors Connect 2027 Conference Scholarship 1. Unlock New Opportunities: At United Creditors Connect, we believe in empowering credit union and financial services professionals through education and networking. Our scholarship program provides deserving individuals with the opportunity to participate in an enriching learning experience. This unique opportunity offers a platform to
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- [UCC Conference 2026](https://www.unitedcreditorsconnect.com/ucc-conference-2026/) - 2026 UCC CONFERENCE AUGUST 10ᵗʰ - AUGUST 12ᵗʰ, 2026 2026 UCC Conference Summary & Conclusion The 2026 United Creditors Connect (UCC) Conference, held August 10–12 at The Venetian in Las Vegas, brought together credit union leaders, collections professionals, and industry innovators for three days of high-impact networking, learning, and collaboration. This year's event featured
- [UCC Conference 2026 Agenda](https://www.unitedcreditorsconnect.com/ucc-conference-2026-agenda/) - Event Schedule August 10-12, 2026 Monday, August 10 MONDAY AUGUST 10 2:00 pm - 5:00 PM rEGISTRATION Jumpstart your United Creditors Connect experience! Join us between 2:00 PM and 5:00 PM for registration. Collect your badge, event materials, and a warm welcome from our team. Registration Secure your spot for success
- [About](https://www.unitedcreditorsconnect.com/about-us/) - About UCC United creditors connect To be a premier credit union industry organization providing information on up to date credit union related issues. We will be sharing best practices, facilitating communication and networking nationwide. Expand your credit union collections network to include nationwide peer credit unions. Register as Attendee Register as Vendor uCC Concept
- [Venue](https://www.unitedcreditorsconnect.com/venue/) - Location: 3355 S Las Vegas Blvd, Las Vegas, NV 89109, United States Contact: +1 702 414 1000 Click link below to book rooms with UCC discount rate: https://book.passkey.com/go/RUNCC FedEx Information: FedEx Office Business Center Venetian Las Vegas 3355 Las Vegas Blvd South Las Vegas, NV 89109 Phone #: 702.836.4400 Fax: 702.262.0801 Email:usa5607@fedex.com The Venetian
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- [Sponsorship Opportunities](https://www.unitedcreditorsconnect.com/sponsorship-opportunities/) - Vendors must register prior to buying a sponsorship or exhibitor package. For inquiries related to the conference (such as setup times, attendee details, etc.), reach out to our Event Manager. Login Register Talk to Us UCC Information/Support (855) 928-8474 info@UnitedCreditorsConnect.com Talk to Us Michael Hernandez Vendor Committee (855) 928-8474 info@UnitedCreditorsConnect.com Talk to
- [UCC Conference 2025](https://www.unitedcreditorsconnect.com/ucc-conference-2025/) - 2025 UCC CONFERENCE AUGUST 4ᵗʰ - AUGUST 6ᵗʰ, 2025 2025 UCC Conference Summary & Conclusion The 2025 United Creditors Connect (UCC) Conference, held August 4–6 at The Venetian in Las Vegas, brought together credit union leaders, collections professionals, and industry innovators for three days of high-impact networking, learning, and collaboration. The event featured a
- [UCC Conference 2025 Gallery](https://www.unitedcreditorsconnect.com/ucc-conference-2025-gallery/) - 2025 ucc gALLERY
- [UCC Conference 2025 Agenda](https://www.unitedcreditorsconnect.com/ucc-conference-2025-agenda/) - Event Schedule August 4-6, 2025 Monday, August 4 MONDAY AUGUST 4 2:00 pm - 5:00 PM rEGISTRATION Jumpstart your United Creditors Connect experience! Join us between 2:00 PM and 5:00 PM for registration. Collect your badge, event materials, and a warm welcome from our team. Registration Secure your spot for success
- [Contact Us](https://www.unitedcreditorsconnect.com/contact-us/) - We will try our best to respond within 24 hours. Other Contact Information Michael Hernandez Treasurer / Vendor Committee michael.hernandez@unitedcreditorsconnect.com UCC Phone #: +1 855 928 8474 Vendor Committee: info@unitedcreditorsconnect.com
- [UCC Educational Series](https://www.unitedcreditorsconnect.com/ucc-educational-series/)
- [UCC Conference 2024](https://www.unitedcreditorsconnect.com/ucc-conference-2024/) - 2024 UCC CONFERENCE March 12ᵗʰ - March 14ᵗʰ, 2024 2024 UCC Conference Summary & Conclusion Drawing on the vibrant energy of Las Vegas, the inaugural United Creditors Connect conference, held from March 12th to 14th, 2024, at the luxurious Venetian, marked a monumental leap forward for the credit union and financial services sector. This
- [UCC Conference 2024 Gallery](https://www.unitedcreditorsconnect.com/ucc-conference-2024-gallery/) - 2024 ucc gALLERY
- [UCC Conference 2024 Agenda](https://www.unitedcreditorsconnect.com/2024-ucc-conference-agenda/) - Event Schedule March 12-14, 2024 Tuesday, March 12 TUESDAY MARCH 12 2:00 pm - 5:00 PM rEGISTRATION Jumpstart your United Creditors Connect experience! Join us between 2:00 PM and 5:00 PM for registration. Collect your badge, event materials, and a warm welcome from our team. Registration Secure your spot for success at
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- [Privacy Policy](https://www.unitedcreditorsconnect.com/privacy-policy/) - Effective Date: November 15th, 2023 1. Introduction United Creditors Connect ("UCC", "we", "us", "our") is committed to protecting the privacy of our conference attendees, vendors, and website visitors. This Privacy Policy outlines our practices regarding the collection, use, protection, and sharing of your personal information. 2. Information Collection Conference Attendees: Personal information is collected through
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