Kevin Jeffies of the Oregon Department of Consumer and Business Services presents on financial fraud and scam prevention at Neighborhood Partnerships' 2016 RE:Conference
This document provides an overview of the services provided by the Business, Financial Services & Real Estate Division of the law firm Quintairos, Prieto, Wood & Boyer, P.A. It discusses the division's minority certification, association memberships, and practice areas including default legal services, foreclosures, bankruptcy, real estate owned disposition, evictions, and appellate practice. The document also lists recent attorney publications and office locations serviced by the division.
Nikitas Kouimanis of Maverick Funding Corp has earned the Lending Integrity Seal of Approval from the National Association of Mortgage Brokers for meeting high standards of knowledge, professionalism, ethics and integrity. The seal recognizes individuals who pass a background check, have a state license, attend training including ethics, and pledge to abide by a code of ethics. The Association believes the seal will become as recognized as the Good Housekeeping Seal for upholding strong ethical standards in mortgage lending.
Valeri OKeefe has over 20 years of experience in commercial property/casualty insurance. She has held roles as a commercial lines account executive, business insurance specialist, and commercial insurance lines agent. Her experience includes sales, service, underwriting, and customer support. She has a CISR designation and Connecticut property/casualty producers license.
Graeme Anderson has completed a course on July 11, 2016 to certify him to conduct activities on behalf of a credit provider including completing consumer credit applications, verifying identity and residence details, presenting credit quotes and agreements, concluding the signing of credit transactions, and providing reasons for refused credit. The certificate was signed by the training manager Albert Marais.
The document discusses identity theft protection services offered by Pre-Paid Legal Services and Kroll Background America. It provides an overview of the types of identity theft, how personal data is aggregated online, and statistics on data breaches. The services offered include continuous credit monitoring, restoration services to resolve identity theft issues, and a legal plan to access attorneys for related legal issues.
The document discusses the differences between classifying workers as independent contractors versus employees from a legal perspective. It covers the IRS test for determining independent contractor status, benefits and pitfalls of each classification, and procedures to ensure a worker remains an independent contractor. Contact information is provided for two law firms specializing in business and employment law issues.
The document discusses identity theft protection services offered by Pre-Paid Legal Services and Kroll Background America. It notes they provide a suite of products to help with legal and identity theft issues before, during, and after a crime occurs. It also discusses the types of identity theft, how personal data is collected and stored in various databases, costs to individuals and businesses, and the services offered to monitor credit and help restore identities.
Lori Coyner (State Medicaid Director, Oregon Health Authority), Rachel Port (Public Policy Director, Central City Concern), Leslie Neugebauer (Director of Central Oregon Coordinated Care Organization, PacificSource), Pam Hester (Health and Housing Manager, CareOregon), and Josh Balloch (VP of Government Affairs and Health Policy, AllCare) present on Health as Housing at Neighborhood Partnerships' 2016 RE:Conference
This document provides an overview of the services provided by the Business, Financial Services & Real Estate Division of the law firm Quintairos, Prieto, Wood & Boyer, P.A. It discusses the division's minority certification, association memberships, and practice areas including default legal services, foreclosures, bankruptcy, real estate owned disposition, evictions, and appellate practice. The document also lists recent attorney publications and office locations serviced by the division.
Nikitas Kouimanis of Maverick Funding Corp has earned the Lending Integrity Seal of Approval from the National Association of Mortgage Brokers for meeting high standards of knowledge, professionalism, ethics and integrity. The seal recognizes individuals who pass a background check, have a state license, attend training including ethics, and pledge to abide by a code of ethics. The Association believes the seal will become as recognized as the Good Housekeeping Seal for upholding strong ethical standards in mortgage lending.
Valeri OKeefe has over 20 years of experience in commercial property/casualty insurance. She has held roles as a commercial lines account executive, business insurance specialist, and commercial insurance lines agent. Her experience includes sales, service, underwriting, and customer support. She has a CISR designation and Connecticut property/casualty producers license.
Graeme Anderson has completed a course on July 11, 2016 to certify him to conduct activities on behalf of a credit provider including completing consumer credit applications, verifying identity and residence details, presenting credit quotes and agreements, concluding the signing of credit transactions, and providing reasons for refused credit. The certificate was signed by the training manager Albert Marais.
The document discusses identity theft protection services offered by Pre-Paid Legal Services and Kroll Background America. It provides an overview of the types of identity theft, how personal data is aggregated online, and statistics on data breaches. The services offered include continuous credit monitoring, restoration services to resolve identity theft issues, and a legal plan to access attorneys for related legal issues.
The document discusses the differences between classifying workers as independent contractors versus employees from a legal perspective. It covers the IRS test for determining independent contractor status, benefits and pitfalls of each classification, and procedures to ensure a worker remains an independent contractor. Contact information is provided for two law firms specializing in business and employment law issues.
The document discusses identity theft protection services offered by Pre-Paid Legal Services and Kroll Background America. It notes they provide a suite of products to help with legal and identity theft issues before, during, and after a crime occurs. It also discusses the types of identity theft, how personal data is collected and stored in various databases, costs to individuals and businesses, and the services offered to monitor credit and help restore identities.
Lori Coyner (State Medicaid Director, Oregon Health Authority), Rachel Port (Public Policy Director, Central City Concern), Leslie Neugebauer (Director of Central Oregon Coordinated Care Organization, PacificSource), Pam Hester (Health and Housing Manager, CareOregon), and Josh Balloch (VP of Government Affairs and Health Policy, AllCare) present on Health as Housing at Neighborhood Partnerships' 2016 RE:Conference
The document discusses the large and growing racial wealth divide in the United States. It notes that it would take Latino families 84 years and Black families 228 years to amass the same amount of wealth as White families today. Current federal policies benefit wealthy households more than middle- and low-income households of color. The document proposes conducting audits of federal and state policies, fixing upside-down tax incentives, addressing concentrated wealth, and investing in programs and nonprofits that can help close the racial wealth divide.
Cupid Alexander, Housing Program Specialist, Portland Housing Bureau, How We ...NeighborhoodPartnerships
Cupid Alexander, of the Portland Housing Bureau, presents on how local governments can generate housing resources at Neighborhood Partnerships' 2016 RE:Conference
Laura Choi, Senior Research Associate – Community Development, Federal Reserv...NeighborhoodPartnerships
This document discusses strategies for strengthening financial security and well-being in Oregon. It notes that housing stability is important for financial stability and discusses factors like income and expense volatility that contribute to financial insecurity. The four elements of financial well-being are defined as security, control, capacity, and freedom. Partnerships across sectors are proposed to help more people access services that promote financial coaching, tax preparation assistance, education, and health resources. The goal is to expand the reach of programs that support financial well-being through innovative cross-sector collaboration.
Dr. Crystal Hall, The Evans School of Social Policy, University of Washington...NeighborhoodPartnerships
This document discusses how behavioral science can provide insights into human decision-making, especially in contexts of scarcity and poverty. It notes that while individuals may make seemingly irrational decisions, their behavior is often predictable. When facing scarcity of resources like time or money, people tend to focus on short-term planning and trade-offs. This has implications for policymaking. The Social and Behavioral Sciences Team applies findings from behavioral sciences to improve federal policies and programs by focusing on access, choices, and incentives. Randomized trials are used to test interventions and measure their impact on outcomes.
The document summarizes Oregon's new retirement savings plan. It notes that most Americans and Oregonians are not saving enough for retirement. The Oregon plan will provide a simple, automatic way for those without access to a workplace plan to save through payroll deductions into a Roth IRA. Employers with no existing plan who have more than 25 employees will be required to offer the plan starting in 2018. The state aims to help more Oregonians save for retirement, which benefits workers, families, communities and taxpayers.
The free Your Money Your Goals (YMYG) Toolkit designed by the Consumer Financial Protection Bureau (CFPB) makes it easy and customizable to set client financial goals, choose financial products and build money management skills for social service providers who aren’t experienced with such things. Neighborhood Partnerships is part of a team charged with getting the toolkit in the hands of more Oregonians.
The document discusses Eugene's affordable housing strategy and challenges. It outlines that housing costs have risen much faster than incomes, burdening many residents. Eugene aims to increase affordable housing supply, preserve existing affordable units, and create housing for special needs groups. The city uses landbanking to promote equitable distribution of affordable housing. Landbanked sites have supported over 800 affordable units. However, the supply of affordable housing is not keeping up with growing needs, and serving the homeless population has become challenging. The city sees opportunities to better coordinate housing plans through new comprehensive planning efforts and partnerships across sectors.
This document discusses several financial scams perpetrated by chit funds in India that have duped many small investors. It outlines several recent scams including those run by MPS Greenery Developers, TVI Express, and iCore group. It notes that many of these fraudulent companies operate in legal grey areas and are not properly registered. While regulators like SEBI and RBI have tried to crack down, these scamsters are often politically connected and able to evade authorities. Stronger regulation and enforcement is needed to curb this ongoing problem.
This document provides a summary of 10 scientifically proven ways for advocates to speak differently and get results when promoting social change. It emphasizes leading with values, focusing on solutions rather than problems, and using strategic storytelling techniques like sharing unexpected messengers, highlighting shared community benefits, and crafting landscape stories that portray a positive vision for the future. The goal is to effectively frame issues and policies in a way that moves people to action.
The document summarizes the Harshad Mehta stock market scam that occurred in India in 1992. It describes how Harshad Mehta, a stockbroker, exploited loopholes in the banking system to siphon off funds and use them to artificially inflate stock prices. When the scheme was exposed, it collapsed the stock market and caused major losses. The scam exposed weaknesses in market regulation and internal bank controls. It led to reforms by the securities regulator SEBI, including imposing additional margins.
The document summarizes the top five scams in India: 1) The 2G spectrum scam involving the former telecom minister cost the government Rs. 1.76 lakh crore. 2) The Commonwealth Games scam in 2010 was soaked in allegations of corruption totaling Rs 36,000 crores. 3) The Satyam scam was the biggest corporate fraud totaling Rs. 14,000 crore led by Ramalinga Raju. 4) The IPL scam involved corrupt practices turning the league into a $4.1 billion enterprise. 5) The Hawala scandal was a $18 million bribery scandal involving leading politicians through hawala brokers in 1996.
The document provides an overview of banking compliance regulations for Devon Bank employees. It discusses several key federal regulations that Devon Bank must comply with, including regulations around banking restrictions, the Bank Secrecy Act, the Patriot Act, and the Community Reinvestment Act. It emphasizes that all Devon Bank employees are responsible for understanding and adhering to the compliance rules and regulations that apply to their respective departments.
The document provides an overview of regulatory compliance training for employees at Devon Bank. It discusses:
- The various federal regulations that banks must comply with, including the FDIC, Bank Secrecy Act, and Patriot Act.
- The goals of compliance training to educate employees on their regulatory responsibilities and avoid penalties.
- How the FDIC conducts compliance examinations, visitations, and investigations to ensure banks follow consumer protection laws.
- Specific regulations that apply to different bank departments, such as the Community Reinvestment Act for customer service representatives.
This training provides Devon Bank employees with information about regulatory compliance. It discusses the various federal regulations that Devon Bank must comply with, including regulations from the FDIC, OCC, FRB, and others. It also covers specific compliance responsibilities for Devon Bank's Trust Department, such as the Bank Secrecy Act, Patriot Act, and regulations regarding diversity, elderly abuse, bribery, and information security. The goal of the training is to educate employees on compliance and ensure the bank avoids penalties by adhering to all applicable laws and regulations.
This training provides Devon Bank employees with an overview of regulatory compliance. It discusses key compliance topics like the FDIC compliance examination process, federal regulations pertaining to different bank departments, and penalties for noncompliance. The training aims to give employees a basic understanding of compliance rules and how to avoid fines or other issues related to regulatory noncompliance. It focuses on specific regulations for the electronic banking department, covering topics such as the Bank Secrecy Act, the Patriot Act, and Regulation E on electronic funds transfers. The overall goal is to educate employees on compliance responsibilities and promote adherence to relevant laws and regulations.
This document summarizes FinXpert.ca, a platform that connects individuals facing financial hardship with various financial experts and services. It provides a one-stop solution for issues like debt management, credit counseling, bankruptcy, and more. The platform uses a dynamic questionnaire to assess users' financial situations and match them with suitable experts. Experts in the network pay per qualified lead generated. The document outlines FinXpert.ca's value proposition, operations, marketing strategy, target customers, and financial projections. It aims to simplify the process of exploring debt solutions and connecting people with help from trusted organizations.
The document discusses the large and growing racial wealth divide in the United States. It notes that it would take Latino families 84 years and Black families 228 years to amass the same amount of wealth as White families today. Current federal policies benefit wealthy households more than middle- and low-income households of color. The document proposes conducting audits of federal and state policies, fixing upside-down tax incentives, addressing concentrated wealth, and investing in programs and nonprofits that can help close the racial wealth divide.
Cupid Alexander, Housing Program Specialist, Portland Housing Bureau, How We ...NeighborhoodPartnerships
Cupid Alexander, of the Portland Housing Bureau, presents on how local governments can generate housing resources at Neighborhood Partnerships' 2016 RE:Conference
Laura Choi, Senior Research Associate – Community Development, Federal Reserv...NeighborhoodPartnerships
This document discusses strategies for strengthening financial security and well-being in Oregon. It notes that housing stability is important for financial stability and discusses factors like income and expense volatility that contribute to financial insecurity. The four elements of financial well-being are defined as security, control, capacity, and freedom. Partnerships across sectors are proposed to help more people access services that promote financial coaching, tax preparation assistance, education, and health resources. The goal is to expand the reach of programs that support financial well-being through innovative cross-sector collaboration.
Dr. Crystal Hall, The Evans School of Social Policy, University of Washington...NeighborhoodPartnerships
This document discusses how behavioral science can provide insights into human decision-making, especially in contexts of scarcity and poverty. It notes that while individuals may make seemingly irrational decisions, their behavior is often predictable. When facing scarcity of resources like time or money, people tend to focus on short-term planning and trade-offs. This has implications for policymaking. The Social and Behavioral Sciences Team applies findings from behavioral sciences to improve federal policies and programs by focusing on access, choices, and incentives. Randomized trials are used to test interventions and measure their impact on outcomes.
The document summarizes Oregon's new retirement savings plan. It notes that most Americans and Oregonians are not saving enough for retirement. The Oregon plan will provide a simple, automatic way for those without access to a workplace plan to save through payroll deductions into a Roth IRA. Employers with no existing plan who have more than 25 employees will be required to offer the plan starting in 2018. The state aims to help more Oregonians save for retirement, which benefits workers, families, communities and taxpayers.
The free Your Money Your Goals (YMYG) Toolkit designed by the Consumer Financial Protection Bureau (CFPB) makes it easy and customizable to set client financial goals, choose financial products and build money management skills for social service providers who aren’t experienced with such things. Neighborhood Partnerships is part of a team charged with getting the toolkit in the hands of more Oregonians.
The document discusses Eugene's affordable housing strategy and challenges. It outlines that housing costs have risen much faster than incomes, burdening many residents. Eugene aims to increase affordable housing supply, preserve existing affordable units, and create housing for special needs groups. The city uses landbanking to promote equitable distribution of affordable housing. Landbanked sites have supported over 800 affordable units. However, the supply of affordable housing is not keeping up with growing needs, and serving the homeless population has become challenging. The city sees opportunities to better coordinate housing plans through new comprehensive planning efforts and partnerships across sectors.
This document discusses several financial scams perpetrated by chit funds in India that have duped many small investors. It outlines several recent scams including those run by MPS Greenery Developers, TVI Express, and iCore group. It notes that many of these fraudulent companies operate in legal grey areas and are not properly registered. While regulators like SEBI and RBI have tried to crack down, these scamsters are often politically connected and able to evade authorities. Stronger regulation and enforcement is needed to curb this ongoing problem.
This document provides a summary of 10 scientifically proven ways for advocates to speak differently and get results when promoting social change. It emphasizes leading with values, focusing on solutions rather than problems, and using strategic storytelling techniques like sharing unexpected messengers, highlighting shared community benefits, and crafting landscape stories that portray a positive vision for the future. The goal is to effectively frame issues and policies in a way that moves people to action.
The document summarizes the Harshad Mehta stock market scam that occurred in India in 1992. It describes how Harshad Mehta, a stockbroker, exploited loopholes in the banking system to siphon off funds and use them to artificially inflate stock prices. When the scheme was exposed, it collapsed the stock market and caused major losses. The scam exposed weaknesses in market regulation and internal bank controls. It led to reforms by the securities regulator SEBI, including imposing additional margins.
The document summarizes the top five scams in India: 1) The 2G spectrum scam involving the former telecom minister cost the government Rs. 1.76 lakh crore. 2) The Commonwealth Games scam in 2010 was soaked in allegations of corruption totaling Rs 36,000 crores. 3) The Satyam scam was the biggest corporate fraud totaling Rs. 14,000 crore led by Ramalinga Raju. 4) The IPL scam involved corrupt practices turning the league into a $4.1 billion enterprise. 5) The Hawala scandal was a $18 million bribery scandal involving leading politicians through hawala brokers in 1996.
The document provides an overview of banking compliance regulations for Devon Bank employees. It discusses several key federal regulations that Devon Bank must comply with, including regulations around banking restrictions, the Bank Secrecy Act, the Patriot Act, and the Community Reinvestment Act. It emphasizes that all Devon Bank employees are responsible for understanding and adhering to the compliance rules and regulations that apply to their respective departments.
The document provides an overview of regulatory compliance training for employees at Devon Bank. It discusses:
- The various federal regulations that banks must comply with, including the FDIC, Bank Secrecy Act, and Patriot Act.
- The goals of compliance training to educate employees on their regulatory responsibilities and avoid penalties.
- How the FDIC conducts compliance examinations, visitations, and investigations to ensure banks follow consumer protection laws.
- Specific regulations that apply to different bank departments, such as the Community Reinvestment Act for customer service representatives.
This training provides Devon Bank employees with information about regulatory compliance. It discusses the various federal regulations that Devon Bank must comply with, including regulations from the FDIC, OCC, FRB, and others. It also covers specific compliance responsibilities for Devon Bank's Trust Department, such as the Bank Secrecy Act, Patriot Act, and regulations regarding diversity, elderly abuse, bribery, and information security. The goal of the training is to educate employees on compliance and ensure the bank avoids penalties by adhering to all applicable laws and regulations.
This training provides Devon Bank employees with an overview of regulatory compliance. It discusses key compliance topics like the FDIC compliance examination process, federal regulations pertaining to different bank departments, and penalties for noncompliance. The training aims to give employees a basic understanding of compliance rules and how to avoid fines or other issues related to regulatory noncompliance. It focuses on specific regulations for the electronic banking department, covering topics such as the Bank Secrecy Act, the Patriot Act, and Regulation E on electronic funds transfers. The overall goal is to educate employees on compliance responsibilities and promote adherence to relevant laws and regulations.
This document summarizes FinXpert.ca, a platform that connects individuals facing financial hardship with various financial experts and services. It provides a one-stop solution for issues like debt management, credit counseling, bankruptcy, and more. The platform uses a dynamic questionnaire to assess users' financial situations and match them with suitable experts. Experts in the network pay per qualified lead generated. The document outlines FinXpert.ca's value proposition, operations, marketing strategy, target customers, and financial projections. It aims to simplify the process of exploring debt solutions and connecting people with help from trusted organizations.
Dorothy Dzikowski has over 20 years of experience in collections management. She currently works as a Collections Supervisor at McGraw-Hill Federal Credit Union, where her responsibilities include collecting delinquent loans, handling foreclosures, and repossessing vehicles. Previously, she was an AVP of Asset Protection at Credit Union of New Jersey, where she managed collection teams and modified loans for members in financial distress. She has extensive experience implementing policies to reduce delinquency and increase organizational profitability.
The document provides an overview of the Ecuadorian financial system. It describes that the financial system is composed of private and public financial institutions, including banks, finance companies, cooperatives, mutual funds, and insurance companies. It notes that the financial system enables management of individual savings and development of economic activity through financial intermediaries. The document also outlines some key products and services of the Ecuadorian financial system, such as credit options, checking and savings accounts, and electronic banking services. It concludes by defining risk ratings scales that are used to assess the capacity of financial institutions to meet obligations.
Mental Health Billing And Credentialing Services For Solo Practitioners.pptxRichard Smith
Solo mental health practitioners play a vital role in the healthcare system, providing essential services to those in need of mental and emotional support. However, managing the administrative aspects of their practice, including mental health billing and credentialing, can be a significant challenge.
Mental Health Billing And Credentialing Services For Solo Practitioners.pdfRichard Smith
Solo mental health practitioners play a vital role in the healthcare system, providing essential services to those in need of mental and emotional support. However, managing the administrative aspects of their practice, including mental health billing and credentialing, can be a significant challenge.
Mastering FDCPA Compliance: A Comprehensive Guide for California Debt Collect...Cedar Financial
Navigate the intricacies of the Fair Debt Collection Practices Act (FDCPA) with confidence! This comprehensive guide is tailored for California debt collection agencies, providing key insights, compliance tips, and best practices to ensure ethical and legal debt collection. Stay ahead in the industry while safeguarding your agency's reputation. Download now for essential knowledge on FDCPA compliance in California.
#FDCPA #DebtCollection #CaliforniaLaw #CedarFinancial
Rebroadcast scheduled for 9/14/13 1:00 - 4:00 pm EST http://cpa.tc/34y
70% of Businesses will turn to their CPA for advice on the Patient Protection and Affordable Care Act of 2010. MACPA created this special FREE townhall sponsored by our Exclusive Preferred Provider RJ Princinsky & Associates to help our members learn about what they need to know to advice their clients and employers about this new massive piece of legislation impacting businesses large and small.
Are you being asked by your clients and employers to figure out what they need to know and do, now and later, to stay complaint with all the provisions of PPACA? It is complex and changing but as the trusted advisor, you need to stay ahead of the questions they are asking. It isn't easy but this Special Town Hall, sponsored by MACPA's preferred provider of health care, employee benefit, HR and wellness services, will bring you up to date and answer the questions you have. Right now alll employer business managers and employee benefits managers should be taking steps to be sure they are prepared for the PPACA requirements that take effect later this year in 2014 and beyond. While some requirements vary based on employer size, business entity or type of health plan offered, other requirements apply to all individuals and employer groups regardless of employee size or type of business entity. This special edition Town Hall will provide participants with the information and resources that will help you make informed business decisions and advise clients related to this evolving legislation.
You will learn about Health Exchanges, the individual and employer mandates, DOL requirements, impacts on your benefits plans, penalties and taxes, ratings and premiums and lots more.
This document provides training on regulatory compliance for tellers at Devon Bank. It begins by explaining that banks must comply with federal regulations set by agencies like the FDIC. It then details specific regulations that tellers must adhere to, including the Bank Secrecy Act, Patriot Act, and regulations around accessibility, privacy, security, and prohibited discrimination. The training emphasizes the importance of compliance and knowing applicable laws and policies to avoid penalties and protect customers. It concludes by having trainees answer practice questions to test their understanding.
Provider Credentialing in Washington State.pptxScottFeldberg
Provider credentialing is the process of verifying the qualifications, education, and training of healthcare providers, including physicians, nurses, and other allied health professionals, to ensure they meet the standards set forth by insurance companies. The goal of credentialing is to ensure that healthcare providers are competent and qualified to provide safe and effective care to patients.
Provider Credentialing in Washington State.pdfScottFeldberg
Provider credentialing is the process of verifying the qualifications, education, and training of healthcare providers, including physicians, nurses, and other allied health professionals, to ensure they meet the standards set forth by insurance companies. The goal of credentialing is to ensure that healthcare providers are competent and qualified to provide safe and effective care to patients.
Provider Credentialing in Washington State.pptxScottFeldberg
Provider credentialing is the process of verifying the qualifications, education, and training of healthcare providers, including physicians, nurses, and other allied health professionals, to ensure they meet the standards set forth by insurance companies. The goal of credentialing is to ensure that healthcare providers are competent and qualified to provide safe and effective care to patients.
Provider Credentialing in Washington State.pdfScottFeldberg
Provider credentialing is the process of verifying the qualifications, education, and training of healthcare providers, including physicians, nurses, and other allied health professionals, to ensure they meet the standards set forth by insurance companies. The goal of credentialing is to ensure that healthcare providers are competent and qualified to provide safe and effective care to patients.
This training provides Devon Bank employees with information about regulatory compliance. It discusses the various federal regulations that Devon Bank must comply with, including regulations from the FDIC, FRB, OCC, and HUD. It also outlines responsibilities for different bank departments like branch operations and lending. The training aims to educate employees on compliance rules and avoid penalties for noncompliance.
The document provides an overview of compliance training for Devon Bank employees. It discusses how regulatory compliance is important and mandatory for all banking employees. It outlines federal regulations from agencies like the FDIC that Devon Bank must comply with. It also details regulations that specific departments like commercial lending must follow pertaining to issues like fair lending, insider loans, anti-money laundering, and more. The training aims to educate employees on compliance rules and penalties for noncompliance.
FM Cost Containment, LLC is a sales and use tax consulting firm with over 40 years of experience recovering refunds for clients. Their mission is to efficiently save and recover specific costs for clients while minimizing risk. They have recovered over $700 million in refunds for over 3,000 clients across various industries. Their experienced staff develops tax exemption strategies and represents clients in audits and litigation.
The banking industry is continuously under the watchful eye of the government and the Federal Reserve. The government is in charge of setting restrictions on the banking industry's borrowing limits and the amount of deposits that banks hold in their vaults. These restrictions have a tremendous impact on banking profitability. It is a federal law that banks must stay complaint to banking restrictions.
Similar to Kevin Jeffries, Consumer Liaison, Oregon Department of Consumer and Business Services, How to Spot a scam (20)
- The document discusses data from Oregon's IDA program between 2012-2015. It provides statistics on who participated in the program (reach) and outcomes (graduation rates).
- In terms of reach, the program enrolled nearly 5,000 participants from diverse backgrounds. Most common asset goals were education, home purchase, and business. Graduation rates varied between groups - those pursuing business goals and younger participants tended to graduate at higher rates than others.
- The data helps understand impacts in communities and identify groups who could benefit most from targeted outreach and support to increase access and success in the IDA program.
Regulatory requirements for improving access to housing are powerful tools for removing barriers to housing choice and increasing housing opportunities. Local, state and federal laws can help you address unreasonable barriers put in place by neighbors or advocate for inclusive housing through planning and land use processes. The new affirmatively furthering fair housing rules at US Department of Housing and Urban Development will shape housing options for years to come. This session will provide an overview of applicable regulatory tools and practical discussion of how to apply them
Margaret Solle Salazar, Portland Field Office Director, US Dept of Housing and Urban Development
Pam Phan, 1000 Friends of Oregon and Anti-Displacement PDX
Martha McLennan, Executive Director, Northwest Housing Alternatives
Building housing that will remain affordable for years to come is a complex undertaking. It can also be expensive. How do we talk and think about cost comparisons, cost containment, and new approaches? What has recent analysis taught us about costs and alternative development models? We’ll get a preview of the work that’s still ahead to reach agreement on priorities and to communicate well about the tradeoffs and choices we make.
Margaret Van Vliet, Director, Oregon Housing and Community Services
Michael Parkhurst, Affordable Housing Initiative Program Officer. Meyer Memorial Trust
“Housing First” models offer great hope for housing individuals and households who face significant barriers to housing. Oregon has been a leader in this work, but more needs to be done in every community, and we need opportunities to learn from one another. Join us as we hear about and map examples of work being done now in Oregon to move this approach forward.
Bill Hall, Commissioner, Lincoln County
Kenny La Point, Systems Integrator, Oregon Housing and Community Services
Marc Jolin, Director, A Home for Everyone
Heather Lyons, Corporation for Supportive Housing
What’s working? Strategies to create inclusive communities, mitigate and reve...NeighborhoodPartnerships
Working to address and mitigate barriers to housing opportunity requires passion, creativity and a clear vision of how prosperous, equitable communities work. Community-based organizations are innovating approaches to mitigating residential displacement, inclusive anti-poverty strategies, and creating successful pathways to homeownership for those who experience the greatest barriers to this core asset building step. Learn from leaders from across the state what new strategies are working, how community engagement supports self-determination, and how funding is being secured for these innovations in creating inclusive and prosperous communities.
Moderator: Roberto Jiménez , Farmworker Housing Development Corporation
Travis Phillips, Pathways 1000 Plan, Portland Community Reinvestment Initiatives (PCR!)
Jen Matheson, Northwest Health Foundation
Amy Cubbage, Habitat for Humanity Mid-Willamette Valley
Communicating the importance of housing to and in our communities is key to our success as advocates. The Housing Alliance and local and national partners have worked hard to develop communications skills, techniques, and common messages. Come hear the latest in our thinking about what works, how to inspire passion for housing opportunity, how to elevate diverse voices, and our tools and plans for helping you be the strongest possible advocates for housing.
Michael Anderson, National Housing Trust Fund Project, Center for Community Change
Jes Larson, Director, Welcome Home Coalition
Jill Winsor, Neighborhood Partnerships
Matt Kinshella, Neighborhood Partnerships
Oregon’s economy is both booming and struggling, and the pressure is on for housing markets across the state. The problem shows up as a lack of housing stock, high rents, unaffordable homeownership, sub-standard housing quality. People with low incomes, people experiencing a disability, and especially people of color experience the greatest barriers to housing opportunity. Hear what the data says about growing wealth disparity and housing opportunity gaps, and add your voice to this discussion about what housing needs are in your community. How does data drive policy change and greater inclusion?
Megan Bolton, Research Analyst, Oregon Housing and Community Services
Katie Sawicki, Policy Director, Urban League of Portland
Stephanie Jennings, Grants Manager, Community Development, City of Eugene
Lending Circles demonstrate the ingenuity and resilience of communities that are outside of mainstream banking. Lending Circles have long been used in different communities across the world as an alternative way to support savings or provide an emergency reserve to meet community needs. Here in the US, lending circles are beginning to receive more and more attention as a tool that works for a range of communities. Join us to learn how Lending Circles work and hear from organizations in the Pacific Northwest that have started Lending Circles.
Mohan Kanungo, Mission Assets Fund
Gabriel Muro, The Next Door
Moderator: Lynne McConnell, Neighbor Impact
CSAs – Join the Campaign to Create a State Mechanism for Children’s Savings A...NeighborhoodPartnerships
Across the country, the asset building community is abuzz with excitement about Children’s Savings Accounts (CSAs). CSAs provide an opportunity for communities to invest early in the futures of their children by opening a savings account for each child. Evidence is mounting that CSAs are a powerful tool to increase early academic success, success in college and create lifetime savings habits. Oregon communities need a tool like this. Come join our effort to build a legislative campaign in 2017 to increase opportunity for Oregon’s children.
Jill Winsor, Neighborhood Partnerships
Elena Fracchia, United Way of Lane County
Nancy Yuill, Innovative Changes
Supersize that IDA: How enhancing your programs with credit building can achi...NeighborhoodPartnerships
Credit building accelerates asset building. Participants in this session will learn the value of credit building as an asset building strategy and an opportunity for strengthening your clients’ financial capabilities. Participants will learn about what credit building is and basic considerations for integrating credit building into your programs. We will explore credit building innovations including a pilot program here in Oregon that helps clients automatically build credit while fulfilling their IDA savings plan.
Sarah Chenven, Credit Builders Alliance
Nancy Yuill, Innovative Changes
This document discusses Individual Development Accounts (IDAs) and the Oregon IDA Initiative. It begins by explaining what IDAs are, which are matched savings accounts that help low-income individuals save for assets like homeownership, education, or starting a business. It then describes the Oregon IDA Initiative, a state program that has partnered with organizations since 1999 to provide IDAs and financial education. Evaluation findings show graduates of the program have higher savings rates, improved credit scores, and feel more financially secure compared to non-completers. The document concludes by discussing the initiative's impacts and future plans to expand eligible asset purchases.
Asset building is a powerful tool that allows people to pursue their dreams, push past generational poverty and create economic security for their families. Yet for many taking that first step toward building a financial foundation is simply out of the question. What if there was a way for everyone to help support those first steps? We believe there is! No matter what your client base is, or what kind of interface you have with clients, this session will explore opportunities for starting conversations that can impact our client’s long term financial success – the gateway conversations that will open the door to prosperity. We will explore tools and resources such as Your Money Your Goals, the CFED Integrating Financial Capability Toolkit and Bank On Oregon that help support clients in finding their path toward financial resilience.
Elena Fracchia, United Way of Lane County
Lynne McConnell, NeighborImpact
Consumer Protection Listening Session: How Can You Protect Your Clients From ...NeighborhoodPartnerships
Sometimes the field of Consumer Protection feels like whack-a-mole. It seems like every day a new scam pops up to entrap our community members. What consumer protection issues are your clients facing? This session offers a chance for you to share your concerns and hear from your colleagues. Experts in the field will offer resources and tools to help keep your clients safe. We will also explore policy solutions to change the landscape of Consumer Protection in Oregon.
Diane Childs, Oregon Department of Consumer and Business Services
Jonathan Groux, Consumer Protection Section of the Oregon Department of Justice
Moderator: Sybil Hebb, Oregon Law Center
The document discusses creating equity by addressing racial and gender wealth barriers. It examines factors that contribute to wealth gaps such as generational poverty, housing costs, earnings, divorce rates, high mobility, and history of criminal justice involvement. Specific data is presented on median household income, wage gaps, unemployment, displacement, and incarceration rates. The document defines wealth as the value of one's assets minus debts and lists common assets such as cash reserves, home ownership, investments, education, and community-based assets.
Preparing IDA Youth for Success - College Dreams and Junior Achievement - RE...NeighborhoodPartnerships
Junior Achievement (JA) teaches youth about business, entrepreneurship, careers, and personal finance. Their programs aim to prepare youth for success by addressing gaps in financial literacy education. Many Americans struggle with budgeting and savings, and student loan debt has reached $1.1 trillion. JA uses in-depth classroom lessons, simulated learning experiences, and post-experience activities to help youth develop financial skills and explore career goals.
RFP for Reno's Community Assistance CenterThis Is Reno
Property appraisals completed in May for downtown Reno’s Community Assistance and Triage Centers (CAC) reveal that repairing the buildings to bring them back into service would cost an estimated $10.1 million—nearly four times the amount previously reported by city staff.
This report explores the significance of border towns and spaces for strengthening responses to young people on the move. In particular it explores the linkages of young people to local service centres with the aim of further developing service, protection, and support strategies for migrant children in border areas across the region. The report is based on a small-scale fieldwork study in the border towns of Chipata and Katete in Zambia conducted in July 2023. Border towns and spaces provide a rich source of information about issues related to the informal or irregular movement of young people across borders, including smuggling and trafficking. They can help build a picture of the nature and scope of the type of movement young migrants undertake and also the forms of protection available to them. Border towns and spaces also provide a lens through which we can better understand the vulnerabilities of young people on the move and, critically, the strategies they use to navigate challenges and access support.
The findings in this report highlight some of the key factors shaping the experiences and vulnerabilities of young people on the move – particularly their proximity to border spaces and how this affects the risks that they face. The report describes strategies that young people on the move employ to remain below the radar of visibility to state and non-state actors due to fear of arrest, detention, and deportation while also trying to keep themselves safe and access support in border towns. These strategies of (in)visibility provide a way to protect themselves yet at the same time also heighten some of the risks young people face as their vulnerabilities are not always recognised by those who could offer support.
In this report we show that the realities and challenges of life and migration in this region and in Zambia need to be better understood for support to be strengthened and tuned to meet the specific needs of young people on the move. This includes understanding the role of state and non-state stakeholders, the impact of laws and policies and, critically, the experiences of the young people themselves. We provide recommendations for immediate action, recommendations for programming to support young people on the move in the two towns that would reduce risk for young people in this area, and recommendations for longer term policy advocacy.
Contributi dei parlamentari del PD - Contributi L. 3/2019Partito democratico
DI SEGUITO SONO PUBBLICATI, AI SENSI DELL'ART. 11 DELLA LEGGE N. 3/2019, GLI IMPORTI RICEVUTI DALL'ENTRATA IN VIGORE DELLA SUDDETTA NORMA (31/01/2019) E FINO AL MESE SOLARE ANTECEDENTE QUELLO DELLA PUBBLICAZIONE SUL PRESENTE SITO
Jennifer Schaus and Associates hosts a complimentary webinar series on The FAR in 2024. Join the webinars on Wednesdays and Fridays at noon, eastern.
Recordings are on YouTube and the company website.
https://www.youtube.com/@jenniferschaus/videos
United Nations World Oceans Day 2024; June 8th " Awaken new dephts".Christina Parmionova
The program will expand our perspectives and appreciation for our blue planet, build new foundations for our relationship to the ocean, and ignite a wave of action toward necessary change.
United Nations World Oceans Day 2024; June 8th " Awaken new dephts".
Kevin Jeffries, Consumer Liaison, Oregon Department of Consumer and Business Services, How to Spot a scam
1. Presenter: Kevin Jeffries,
Consumer Liaison
How to Spot a Scam
ID protection - Financial Fraud &
Scam Prevention
Division of Financial Regulation
Department of Consumer and Business Services
2. Oregon OSHA
Building Codes Division
Division of Financial Regulation
Workers’ Compensation Board
Workers’ Compensation Division
Oregon Health Insurance Marketplace
The Department of
Consumer and Business
Services (DCBS) includes:
3. Banks and credit unions
Check cashing
Debt management services
Financial & investment advisors
Insurance industry
Mortgage industry
Money transmitters
Pawnshops
Payday and title lenders
Securities
We regulate:
5. Product and Rate
Review
Exams and
Enforcement
Education and
Advocacy
Licensing and
Investigations
DFRDivision of Financial
Regulation
6. Assist in resolving complaints
Investigate violations of insurance and financial law
Education and outreach
www.dfr.oregon.gov
888-877-4894 (toll-free)
7. Division of Financial Regulation:
• Helped 20,247 Oregonians with their insurance
• Resolved 3,653 complaints
• Recovered $1,990,701 for Oregonians
$342,000
Auto
$69,000
Business
$237,000
Home
$740,000
Health
18. Consumer Advocacy
Insurance help
‒ 888-877-4894 (toll-free)
‒ cp.ins@oregon.gov
Financial services help
‒ 866-814-9710 (toll-free)
‒ dfr.mail@oregon.gov
Licensing
503-947-7981
web.insagent@oregon.gov
Mailing address
Oregon Division of Financial Regulation
P.O. Box 14480
Salem, OR 97309-0405
Editor's Notes
DCBS is Oregon’s largest business regulatory and consumer protection agency. It includes Oregon OSHA, Building Codes, Workers’ Compensation, the Division of Financial Regulation, and the Oregon Health Insurance Marketplace
The Division of Financial Regulation (DFR) protects consumers and regulates insurance, depository institutions, trust companies, securities, and consumer financial products and services
The Oregon Health Insurance Marketplace (Marketplace) empowers Oregonians to improve their lives through local support, education, and access to affordable, high quality health coverage
The Division of Finance and Corporate Securitas and the Insurance Division have merged to form the Division of Financial Regulation. These two division’s had very similar regulatory processes. Though the merger officially started in January of 2016, and is still ongoing, we have seen significant examples of synergy. That’s not just a buzz word. We have actually seen quicker results and more efficient regularity actions than a result of this merger.
You may be asking what sparked this change:
The regulatory reality is that Insurance Companies are starting to look more and more like financial institutes and are being regulated as such. Whether it’s a bank or a life insurance company, the regulatory processes are very similar, certainly the regulatory skill sets are extremely closely aligned. Through this merger we are able to create regulatory efficiencies which will increase the quality of our customer services while avoiding additional costs to our costumers. Remember too that our customers are vast: Carriers, Producers, Providers, and consumers of financial products and insurance products.
DFR has a much wider array of products which it regulates. Today I’m going to talk about the insurance products and the regulatory environment around them.
While our name has changed, our mission to protect consumers and encouraging a financially stable, innovative, and competitive insurance marketplace has not changed.
This is a info graphic that shows how busy we were in 2015.
nearly $2 million collected for consumer in 2015, and over 20 thousand Oregonians served.
Looking at the $740,000 for health complaints. This is the amount of money do to the consumer that had they not worked with us, they would not have received that level of coverage.
If only every scam was as obvious as this. The days of the obvious and sleazy scammers are not totally behind us. Their still out there, but more and more the scammers take on different faces and approaches. They can appear to be your friend, your neighbor, or your even appear to be a member of your family.
Rather than talk about the current scams, Today I’m going to talk about the anatomy of a scam. There are signs, or red flags that, if you are vigilant, you can spot them and avoid them.
It could be a knock on the door, a phone call, or a piece of mail you weren’t expecting. For example, you didn’t think you owed the IRS or a debt collection agency money, but they called claiming you could be in trouble if you don’t pay.
Think of ways people contact you uninvited: Facebook, text, email, phone calls and at your door. If you didn’t initiate the contact, you are not in control of the situation and could be at risk of being a victim of a scam.
A scam might warn that if you don’t respond immediately your prize winnings will be lost, or that a relative or friend is in trouble in a foreign country. If something prompts immediate action, be cautious.
Scammers try to get you in an emotional state of mind. Rationally you would recognize the offer is crazy, but if they can get you to think emotionally you are more likely to make irrational decisions and buy the magazine subscription or pay your late taxes to this stranger and hand over your credit card information and personal ID information.
Remain calm and end the conversation immediately. Don’t worry about being rude. It’s better than being ripped off.
Scammers often pose as banks, health care providers and government officials asking for identifying personal or financial information. Anytime someone asks you for this Information, be suspicious!
A coworker of mine recently had his debit card hacked. His bank put a hold on the card because they recognized the laws of physics would not allow him to be in McMinnville and in Mazatlán at the same time.
What was unique about this was the bank called and informed him that his card had been hacked. Other than asking him to verify his name, they did not ask him any other questions. Just informed him to go to the bank and a member services' team member would help him take the necessary next steps to get a new card and reverse the fraudulent transaction.
This was an actual emergency, but the legitimate caller did not ask for personal information. If an unsolicited caller or emailer or door to door sales person wants to know more about you than your name, end the conversation.
You may be asked to wire money or purchase pre-paid debit cards. This is the easiest way for scam artists to get their hands on your money, and it’s almost impossible to get it back once it has been sent. Don’t do it!
Checks create a paper trail that scammers don’t want. They will have to deposit it in their bank or cash it somewhere where they have some sort of a relationship. It can be tracked.
Mailing a prepaid debit card or wiring money is basically the same as mailing cash. Fully legal and legitimate businesses do not deal solely in cash.
By asking you to keep a transaction secret, scammers know you won’t have to respond to questions from family and friends who might see through the scam. Check with someone you trust before acting.
A common example of this is the call in the night or the email from a family member that is out of the country and needs your help, “I’m in Ireland and had a biking accident. I need $300 to pay for the ER visit. Don’t tell my mom and dad, I’m supposed to be in school. I came to you because you’re my cool aunt!”
Or an “investor” may tell you to keep the investment a secrete, because “we can only guarantee a 70% investment as long as we are in at the ground level. If everyone jumps on this huge opportunity it will down grade our return.” “Best if we just keep this between the two of us.”
Sirrens and bells should go off in your head if you hear something like this. Don’t “trust, but verify!” “hang up and verify.”
If it seems too good to be true, it probably is! Above all, use this simple mantra to help you detect and avoid scams. It’s always better to be cautious than to be a victim.
Remember, the “too good” offer is designed to get you emotional, excited. Don’t fall for it. Even if you are feeling lucky, don’t go for it. Even if a guy wants to sell you a race horse with the name Million Dollar Winner!, because it actually looks more like a “Stew-Ball”, than a “Sea-Biscuit”.
We have on our website, www.dfr.oregon.gov these helpful handouts that dispel the myths that surround insurance products. Pick one of these up or download it from our website and don’t fall victim to insurance myths like, I have “Full Coverage on my car” or “All preventive medical care is free”. These sort of myths involve real dollars and real anxiety. These guides can really help you avoid confusion and frustration.