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Home Mortgage Disclosure Act Rules, Data Security Top Concerns for Lenders

first_img Previous: Foreclosures, Short Sales Down Once Again Next: Unloading Inventory Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured, Market Studies December 20, 2017 2,057 Views  Print This Post Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Aly J. Yale is a longtime writer and editor from Texas. Her resume boasts positions with The Dallas Morning News, NBC, PBS, and various other regional and national publications. She has also worked with both the Five Star Institute and REO Red Book, as well as various other mortgage industry clients on content strategy, blogging, marketing, and more. Share Save Home Mortgage Disclosure Act Rules, Data Security Top Concerns for Lenders The Week Ahead: Nearing the Forbearance Exit 2 days ago Related Articles Demand Propels Home Prices Upward 2 days agocenter_img About Author: Aly J. Yale Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Compliance data breach HMDA Risk Management Wolters Kluwer 2017-12-20 Aly J. Yale Tagged with: Compliance data breach HMDA Risk Management Wolters Kluwer Home / Daily Dose / Home Mortgage Disclosure Act Rules, Data Security Top Concerns for Lenders Banks and credit unions are markedly more worried about regulatory compliance and risk management, according to new data. The results of the Wolters Kluwer Regulatory and Risk Management Indicator revealed that overall risk management concern is up 13 percent over the year. Regulatory concerns are up 3 percent for the same period.According to the Indicator, which polled more than 600 banks and credit unions across the country, top regulatory concerns include the fair lending exam, new Home Mortgage Disclosure Act rules, and the ability to track, maintain, and report to regulators. Just under 50 percent of respondents said they’ve noticed increased scrutiny based on their most recent fair lending exam, while HMDA changes came in as the single-biggest concern across the board.As for risk management, cybersecurity and data security topped the list, with a whopping 83 percent of those surveyed saying they’re either “concerned” or “very concerned.” IT risk and regulatory risk also came in high.According to Timothy R. Burniston, Senior Adviser and Principal Regulatory Strategist at Wolters Kluwer, 2017’s many data breaches are likely to blame.“These results—compiled against a backdrop of highly publicized data breaches at well-known entities, and at a time when financial institutions are preparing for the implementation of the most significant set of HMDA changes in several decades—drove the increase in concerns expressed in this year’s survey,” Burniston said.On the compliance front, respondents were mostly concerned with optimizing their compliance spend, reducing exposure to financial crime, and managing their compliance monitoring and testing efforts.“These responses, when viewed collectively, reinforce for financial institutions the strategic imperative of having a proactive, well-staffed and supported corporate compliance program that operates across the three lines of defense —the business units, along with compliance/risk and audit areas—in tandem with an overarching risk management framework integrated with all lines of business,” Burniston said.To see the full results of the Indicator, visit WoltersKluwerFS.com/Indicator. Data Provider Black Knight to Acquire Top of Mind 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Subscribelast_img read more

Come on Feel the Music

first_imgThat means you can run demanding, graphics-intensive applications like 3D rendering at the fastest speeds possible. And, if you’re a fan of the Linux operating system, you’ll be able to get that Precision 5720 preloaded with Ubuntu 16.04 LTS. Our “Project Sputnik” lead Barton George has more details on that in his blog.You don’t have to be a professional creator to want to amplify your experience, however.“Several self-described audiophiles that came through the booth at CES were surprised at how much better our system sounded compared to the iMac,” Peeler said.Just how much better? Well, it’s two times louder and with up to 50 percent better bass than the iMac 27.Want a closer look? Here’s a video overview of the XPS 27 AIO:&nbsp;</p><p> A lot of the talk heard around audio at #ces2017 earlier this month centered on things like sound bars, speakers and headphones. Cnet said “You could argue that, apart from the proliferation of Alexa speakers, there was a lack of any real innovation this year.”I guess their audio editor didn’t get to spend time in the sound booth at our #DellExperience pictured below. If they had, they would have seen, and heard, the Innovation Awards Honoree Dell XPS 27 All-in-One (far left). Hot Hardware called it “one of the fastest all-in-on PCs we’ve tested to date.” But the real innovation in this system isn’t speed – it’s sound.Hopefully you read award-winning record producer Jack Joseph Puig’s guest post here about how he spent 18-months with our designers, developers, engineers to create the XPS 27’s sound. But you probably haven’t seen the system used like The Glitch Mob showed us at the #DellExperience:&nbsp;</p><p>That was one of my favorite parts of the press event we held. (Sorry Tom Holland, you’re just too young for me.) To see our product in use so creatively excites me, and hearing it really excited others who stopped by the event.“More than the words they said, it was the facial expressions that conveyed ‘wow,’” said 20-year Dell audio veteran Doug Peeler who spent most of CES in that sound booth I mentioned. “You could see this emotion come over people when they would hear a song they liked and they would say ‘Man, it’s like I’m there.’”So while the new XPS 27 AIO, and its soon-to-come Precision business sibling, crank sound to a whole new level, Peeler says it’s less about decibels and more about feeling the music.“Factor in a 27-inch 4K touch display that can be laid flat, and you’ve got a spectacular all-in-one for artists, musicians or simply anyone who wants their content to both look and sound fantastic,” said Tom’s Guide when they named it “Best PC” in their CES 2017 Awards.Those creators are who our team had top-of-mind during years of development that led to this system’s audio. Six years ago Dell and Waves Audio started working together to create some of the greatest sounding laptops, but a meeting with Puig at the National Association of Music Merchants (NAMM) event brought his vision for a professional audio system together with Dell’s.“This is more like an actual reference monitor system that music producers use to make critical decisions on audio,” said Peeler.Such decision makers in the media and entertainment industry often use sophisticated software programs that demand an optimized workstation. And that is why we’re adding the first-ever all-in-one (AIO) to our Precision lineup – the number one workstation in North America according to IDC Worldwide Workstation Tracker Q3 2016.Precision 5720 AIO will have the same 10 speakers pumping out sound at 50W per channel and beautiful 4K Ultra HD (3840 x 2160) edge-to-edge touch display supporting 100 percent Adobe RGB color gamut as the XPS 27; but also more performance options with Intel Xeon processors, AMD Radeon Pro graphics capable of powering virtual reality and outstanding reliability with ISV certifications for top programs like AVID and SolidWorks, as well as leading security and manageability software.last_img read more

A Step Forward in the Promise of Ultrafast ‘Hyperloops’

first_imgMOAPA, Nev. — Hyperloop technology, which promises to transport people and goods at speeds of up to 600 miles an hour, has long seemed too good to be true. But one company says it has cleared an important step toward commercializing it by moving two of its employees through a test system.Virgin Hyperloop became the first company to conduct a human test of the technology on Sunday at its 500-meter test track in the desert north of Las Vegas. The two volunteers, wearing casual street clothes, were whisked in a pod that was levitated by magnets inside a vacuum tube to 107 m.p.h. in 6.25 seconds.- Advertisement – The ability to move people safely at this stage of the technology’s development is not that important, said the company’s chief executive, Andres de Leon. “We’re testing the program from an engineer’s point of view, not from that of a marketer’s.”In the Netherlands, Hardt, a 35-employee hyperloop company, has built a 30-meter track that lets the company test its levitation, propulsion and lane-switching technologies. The company has teamed up with Schiphol Airport in Amsterdam to research the feasibility of a hyperloop linking major airports in the Netherlands, France, Germany, Belgium and Britain. “This is a step of historical significance,” said Jay Walder, the company’s chief executive, pointing to 20 months of planning. “I don’t think you can overstate it. This is a moonshot moment. I have no doubt this will change the world.”Whether it becomes a giant leap for mankind is still unclear.Virgin’s test might be as symbolically important as it is crucial to the technology’s ultimate success. While the pod traveled at a much slower speed than what proponents of hyperloops claim the technology is capable of, company officials described it as a safety milestone.- Advertisement – Many experts are skeptical that the technology will live up to its grand promises or be economically viable.A truck striking the tube could shut the system down, said Carlo Van de Weijer, the general manager of the Netherlands’ Eindhoven AI Systems Institute. As the system aged, it would require expensive maintenance. Hyperloops also might not be able to transport as many people or goods as its proponents claim because individual pods would need to slow down to enter spur tracks.“Every breakthrough starts with a strange idea,” Dr. Van de Weijer said. “But not every strange idea is a breakthrough.”Like high-speed rail systems, hyperloop companies will have to acquire expensive rights of way, said Juan Matute, deputy director of the Institute of Transportation Studies at the University of California, Los Angeles.The tubes that carry hyperloop pods will need to be very straight for high-speed travel, and turns will have to be very wide. Once routes are set, acquiring every needed parcel of land could become a nightmare. “If a route has been picked, there are no alternatives,” Mr. Matute said. “Airlines do not have this problem.”Still, some government officials and hyperloop entrepreneurs are determined to pursue the technology. Virgin Hyperloop, which has doubled its work force to 300 over the last two years and has raised over $400 million, has selected West Virginia as the site for a certification center and a six-mile test track. The modern hyperloop concept was first described in 2012 by Elon Musk, the top executive of SpaceX and Tesla. He offered up the idea to anybody who wanted to exploit it, and neither he nor his companies are working on hyperloops.Virgin Hyperloop, which counts Richard Branson’s Virgin Group as a minority investor, is one of several companies looking to commercialize the technology, which they hope will eventually move passengers between cities, and cargo to and from ports.If it functions as advertised, travel time could be cut significantly — a trip from Los Angeles to San Francisco could, for example, take less than an hour.Mr. Walder has intimate knowledge of transportation systems, having served as the head of New York’s Metropolitan Transportation Authority and Transport for London. Mr. Walder claimed that hyperloop technology could be the first new mass transit system in a century.“The U.S. Interstate Highway System, which began in 1956, cannot be the end of our imagination in terms of how we move around,” he said. With hyperloop, “we can have a fundamentally different transportation system.”Unlike trains, which run on fixed schedules, hyperloop pods would function more like smart elevators. Artificial intelligence would adjust destinations, the number of pods that travel in a convoy and departure times based on demand. The test also gives a sense of reality to an otherwise abstract sci-fi-like construct. “You can show the most elegant diagram but at the end of the day what is important is, will people ride it? This is an example of a picture worth a thousand words,” Ms. Luchian said. The riders sat in molded seats covered in white vegan leather, housed inside the all-white carbon fiber-clad pod.While the G-forces on the pod were three times that of an airplane, “it was much smoother than I expected,” said Sara Luchian, 37, one of the test riders and the company’s director of passenger experience. And unlike an airplane, there were no lateral forces that would have caused the pod to sway, she said. It has several projects in planning stages: a route between Pune and Mumbai in India; another between Jeddah and Riyadh in Saudi Arabia; and one connecting Chicago, Columbus, Ohio, and Pittsburgh.“We’re highly positive and very intrigued with the possibilities for hyperloop,” said Thea Ewing, a director for the Mid-Ohio Regional Planning Commission.The council estimates that over 30 years, a hyperloop connecting those cities would displace 1.9 billion car and truck trips, reduce carbon emissions by 2.4 million tons and generate $300 billion in economic benefits.Hyperloop Transportation Technologies, a company based in Los Angeles and Dubai, has built a 320-meter test track in Toulouse, France, and is designing a 1,000-meter test track for Abu Dhabi in the United Arab Emirates. It has also formed a partnership with a container operator at the port of Hamburg to design a system to move cargo.center_img “It felt not that much different than accelerating in a sports car,” said Josh Giegel, 35, the company co-founder and the other volunteer rider.- Advertisement – – Advertisement – Hyperloop companies have been encouraged by government findings that the technology is feasible. In 2019, the U.S. Department of Transportation put the Federal Railroad Administration in charge of developing standards and regulations for hyperloops.In Europe, several hyperloop companies have created a technical committee to develop standards, which they hope will be adopted by the European Union.After Mr. Giegel and Ms. Luchian entered the capsule, it was pushed into a decompression chamber to await the creation of a vacuum. At that point, the gate valve opened and the pod entered the tube, ready for the test.Virgin’s successful human tests could give true believers in the technology a psychological boost. The company’s executives believe that the system will be commercialized by the end of the decade. But it’s the movement of cargo that Hardt is developing first. “It’s less risky and it’s easier for stakeholders if we don’t emphasize passengers,” said the company’s chief commercial officer, Mars Geuze. “It’s easier to take the smaller steps.”Two other companies, TransPod in Toronto and Zeleros in Valencia, Spain, are also working to develop hyperloop systems. “This technology could be the transition to the future we all want,” Mr. Giegel said. “Today we went from infancy to adolescence.” “The No. 1 question I get from investors is, ‘Is it safe enough to ride?’” said Mr. Giegel. “We’re everyday people, we’re not astronauts. This shows that it’s safe, and observers can take this back to their investors and interested municipalities.”last_img read more

Defense stands tall in final tune-up scrimmage

first_imgSafety Aaron Henry intercepted quarterback Jon Budmayr in practice Saturday and nearly scored.[/media-credit]If spring football can be used as any sort of barometer for where the Wisconsin Badgers’ personnel stand, one fact stood out as Saturday’s practice came to a close.The offense has a ways to go in catching up to the defense.In a practice with live tackling and situational scrimmaging, Wisconsin’s No. 1 offense started out hot, scoring touchdowns on its first two drives and covering 60 yards on both occasions.Then the defense clamped down.The second-team offense never managed to score a touchdown, and the first-teamers only got one more score when running back James White broke away on a run and took it to the house from 45 yards out.Otherwise, the defense contained the running game and shut down the passing attack.Quarterback CompetitionWith Joe Brennan routinely struggling to lead the No. 2 offense, Jon Budmayr has never been threatened during spring ball as the No. 1 starter.Yet, Budmayr has done little to cement his status as starter heading into the fall with quarterback Curt Phillips returning from injury.Budmayr tossed two more interceptions Saturday – against one touchdown – and missed several open receivers.During two attempts at a red zone drill, the No. 1 offense was unable to put the ball in the end zone, with Budmayr watching three of his passes fall incomplete. He avoided having any passes blocked at the line for the first practice all spring, but still forced too many balls into tight windows.On his first interception, Budmayr failed to look off safety Aaron Henry, who had a chance to return the pick for a touchdown if the coaches hadn’t blown the play dead.Red Zone RespectDefensive coordinator Chris Ash admitted this spring he is trying to instill a sense of swagger into his guys on “D.” If someone makes a big play, he wants them to celebrate it.Never was this more apparent than when the No. 1 defense and offense matched up for a two-minute drill. While the offense moved the ball down to the three-yard line after broken coverage allowed tight end Brian Wozniak to get free for a big gain, the defense clamped down from there.On second down, Budmayr tossed a well-placed fade route to receiver Jeff Duckworth, who managed to get both hands on the ball before being crushed by Devin Smith. The senior cornerback immediately got up after breaking up the pass and stood over Duckworth talking smack.One play later, the defense converged in the middle to keep running back Montee Ball just short of the end zone as time ran out on the two-minute clock. They left the field celebrating and chest bumping.Injury ReportFullback Bradie Ewing and linebacker Kevin Claxton both sat out Saturday, though both supposedly with minor injuries to shoulder and ribs, respectively. … Phillips did not suit up at all for the first time this spring, though that may have been because most of the practice was spent doing live work with few non-contact drills. … Jacob Pedersen got rolled up on the back of his legs and was taken off the field to have his right ankle taped up and iced. He did not return but was able to walk around on his own power.Mental MistakesAfter a season spent building a well-deserved reputation as an offense that didn’t shoot itself in the foot, the Badgers were well out of sorts Saturday.The No. 2 offensive line was hit with at least five holding penalties and at one point false-started two plays in a row.White lost a fumble to start a drive – curiously enough, it was Joel Stave’s one series with the No. 1 offense – and took a lap to pay the price.The little things that made such a big difference for the offense last season held them back Saturday.last_img read more