Weber State Men’s Basketball Hosts West Coast Baptist Tuesday

first_imgNovember 19, 2019 /Sports News – Local Weber State Men’s Basketball Hosts West Coast Baptist Tuesday Tags: Weber State Men’s Basketball FacebookTwitterLinkedInEmailOGDEN, Utah-Tuesday, Weber State men’s basketball (0-2) seeks its first win of the season by hosting West Coast Baptist of the National Christian College Athletic Association at the Dee Events Center.While still searching for his first win of 2019-20, Wildcats head coach Randy Rahe is still both the Big Sky Conference and Weber State all-time leader in head coaching wins. He is currently 266-155 (.632) in his 14th season as the Wildcats’ head coach.Presently, Weber State’s scoring offense is last in the country at 45 points per game. Senior guard Cody John, a Canadian national out of Wasatch Academy, is currently the Wildcats’ leading scorer, posting 12.5 points per game.Junior guard Kham Davis is the Wildcats’ rebounding leader thus far, posting five rebounds per game. Davis also leads Weber State with two steals.John, sophomore forward Donatas Kupsas, senior guard Jerrick Harding and redshirt freshman forward/center Tim Fuller all have two assists apiece to pace the Wildcats.Weber State’s defense currently gives up 80 points per game, tying the Wildcats for 315th nationally with Niagara and Coppin State.Ukrainian national, sophomore forward/center Dima Zdor and Czech national, junior forward Michal Kozak have two blocks apiece to pace the Wildcats.No statistics are available for the Eagles. Written by Brad Jameslast_img read more

Scoreboard roundup — 3/7/21

first_img Beau Lund Written by March 8, 2021 /Sports News – National Scoreboard roundup — 3/7/21center_img FacebookTwitterLinkedInEmailABC NewsBy ABC News(NEW YORK) — Here are the scores from Sunday’s sports events:NATIONAL BASKETBALL ASSOCIATIONTeam LeBron 170, Team Durant 150NATIONAL HOCKEY LEAGUENY Islanders 5, Buffalo 2Tampa Bay 6, Chicago 3New Jersey 1, Boston 0Carolina 4, Florida 2Washington 3, Philadelphia 1Pittsburgh 5, NY Rangers 1Nashville 4, Dallas 3 (SO)Ottawa 4, Calgary 3 (SO)TOP-25 COLLEGE BASKETBALLMichigan St. 70, Michigan 64Baylor 88, Texas Tech 73Iowa 77, Wisconsin 73Houston 67, Memphis 64Texas 76, TCU 64Loyola of Chicago 75, Drake 65Copyright © 2021, ABC Audio. All rights reserved.last_img

Former Savills associate launches P2P app that cuts out estate agents

first_imgHome » News » Former Savills associate launches P2P app that cuts out estate agents previous nextProptechFormer Savills associate launches P2P app that cuts out estate agentsWill Crossley-Tinney says his iPhone app will enable landlords and vendors who want do everything themselves to contact tenants and vendors direct.Nigel Lewis2nd October 201803,368 Views A former estate agent has launched a peer-to-peer smartphone app that enables landlords and vendors to rent and sell their properties direct to tenants and buyers for free, assuming they are happy to complete the transaction themselves.Called UcaDo, it’s the brainchild of 37-year-old former Savills Associate Will Crossley-Tinney. He has spent the last year developing the app, which will be available initially on iPhones via iTunes.He claims listing a property to sell or rent on his app will take under three minutes, and that vendors and tenants will be able to arrange viewings directly immediately afterwards.Launched initially within the London property market, Crossley-Tinney says the app will later also be available as a ‘funky’ online version.Peer-to-peer platformThe company says it has seen research that suggests there are 250,000 people in the UK every year who want to use a peer-to-peer platform like UcaDo to sell or rent their property. It also reckons that ‘P2P’ platforms have the potential to take between 10% and 24% of the UK market.“We’re not looking for market domination and I’m not saying we’re a genie in a bottle that will wipe out estate agents overnight, quite the opposite in fact,” he told The Negotiator.“I just want to give those people who want to do it an enabling entity where they can do sell their home. There are some amazing estate agents out there but they tend to do the same thing but put different clothes on it even though at the end of the day they’re all still taking a fee.“If you look at Airbnb, there was a desire among homeowners to rent their homes out for spare cash but nowhere for them to do it. Like Airbnb, our app enables those who wanted to use tech to use it.”No portalsUnlike other online-only estate agents and platforms, UcaDo will not be listing its properties on the big portals and says it will use its own listings coupled to Google, targeted TV advertising and other media activity to generate leads.The company’s revenue model includes building up a community of property services suppliers such as electricians, builders and plumbers who would pay to offers services to UcaDo’s customers.“We’ve put the brain of an estate agent into an app and of course, if you’ve done it before you don’t have to use the local property services it offers, but if you haven’t then you probably will,” says Crossley-Tinney.Read more about proptech.proptech Andrews Savills ucado Will Crossley-Tinney October 2, 2018Nigel LewisWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles Letting agent fined £11,500 over unlicenced rent-to-rent HMO3rd May 2021 BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021last_img read more

WEARING OUT LONGEVITY’S WELCOME

first_imgby Tom PurcellBoy, are Americans getting old.According to the U.S. Census Bureau, the median age – the age at which half of the population is older and half is younger – hit an all-time high of 38.0 in 2017.Why is it rising? Because our massive baby-boom generation continues to go, geezer, while young moms and dads are having way fewer kids than American parents used to.What’s more interesting is that the number of Americans who were 100 years or older also hit a record in 2017 – a number that is poised to explode.According to the World Future Society, we are in the early phases of a super longevity revolution. Thanks to advances in nanotechnology and cell and gene manipulation, scientists may eventually learn how to keep humans alive for 120 to 500 years.Though it’s great that Americans are living longer, I’m not sure I’d ever want to live THAT long.Look, I’m 56, a tail-end baby boomer. If I was confident I’d be vibrant and healthy for another 44 years, I might finally get around to marrying and starting a family!My parents are of the silent generation. They’re in their 80s. I’d love for them to live well beyond 100 so that I can enjoy their company at Sunday dinners for another 20 years or more.But there are downsides to living so long.Health-care costs are already out of control and the majority of that spending goes to the elderly. Such costs may become unmanageable as our median age keeps climbing.If we live 100 years or more, how are we going to pay for it? The living is expensive. Are we going to work 50 years, retire, burn through our nest eggs, then spend 20 or 30 years greeting customers at Walmart?And what of our younger generations, kids who are notorious slackers? Mother to son in the year 2075:“You’re 100 years old! When are you going to move out and get a job?”Four years shy of 60, I’m already showing signs of fatigue. I don’t know when it started, but, like my elderly father, I groan every time I slowly pull myself out of a chair.Sure, the “primitive male” part of me thinks I could still handle myself if a bar brawl were to break out – but I’d have to do 30 minutes of jumping jacks before I could even think about participating.Besides, in my experience, life is largely made up of colds, bills, speeding tickets and people who let you down. These experiences are connected together by a series of mundane tasks. The drudgeries are occasionally interrupted by a wonderful meal, a really good laugh or a romantic evening with a lovely lady.Then the mundane stuff starts all over again.I don’t think I want 500 years of that.At 56, you see, it seems to me that the key to human happiness is not an abundance of a thing, but a lack of it.Doesn’t pie taste better when we know it’s the last slice? Doesn’t a football game capture our attention more when it’s the last of the season – the one that determines who goes out the winner and who goes out the loser? Isn’t a comedian funnier when he exits the stage BEFORE we want him to go?Besides, if I were to live to 500, I’d have to endure 111 more presidential elections – a punishment I wouldn’t wish on my worst enemy!FacebookTwitterCopy LinkEmailSharelast_img read more

Indiana Closes Fiscal Year on Strong Financial Footing

first_imgState Ends Fiscal Year 2016 With a $50.6 Million Surplus; Reserves At Highest Amount EverIndianapolis – Lieutenant Governor Eric Holcomb joined State Auditor Suzanne Crouch today to discuss the state’s fiscal condition following the close of Fiscal Year 2016 (FY 2016). They released the state’s 2016 Closeout Report, which highlights Indiana’s accomplishments in the last year and demonstrates Indiana’s sound fiscal health.The report shows that the state ended FY 2016 with a structural surplus of $50.6 million, despite revenues that were below forecast, primarily because of low gas prices. Reserves are at the highest amount ever in Indiana, at more than $2.24 billion. This was achieved in spite of the fact that Indiana’s total revenue growth in FY 2016 is $111.3 million below the most recent, downward revised forecast and $78.5 million below actual revenue collected in FY 2015.“Hoosiers should be encouraged that Indiana’s financial record remains strong and their tax dollars are being used wisely,” said Governor Mike Pence. “In the last year, we provided additional funding to strengthen Indiana’s roads and bridges, prioritized education, and bolstered regional collaboration and economic development by investing in our Regional Cities Initiative. We are able to cut taxes while still funding our priorities and maintaining our highest reserve level yet because of our prudent fiscal management and commonsense policies.”“Hoosiers deserve to know their hard-earned dollars are being spent in a responsible manner,” said Lieutenant Governor Eric Holcomb. “In Indiana, every tax dollar is spent with serious consideration and respect for the individuals who earned those dollars. By keeping prudent reserves and identifying areas of potential growth, we can continue to make Indiana a fiscal leader.”Indiana remains fiscally strong and is one of only 12 states in the nation to maintain a AAA credit rating with all three major credit rating agencies. Standard and Poor’s reaffirmed Indiana’s AAA credit rating in April, and Fitch Ratings reaffirmed the state’s AAA credit rating in June.“Serving as Indiana’s Chief Financial Officer, my office accounts for and reports on our state’s income and expenditures,” said State Auditor Suzanne Crouch. “By operating with a balanced budget and living within our means, Indiana has maintained strong reserves as well as our AAA credit rating. Focusing on maximizing efficiency and ensuring every dollar is spent in a transparent and accountable manner, I’m proud to report back to hard-working Hoosiers that once again, Indiana remains a model of fiscal integrity.”The Governor signed into law the biennial budget for fiscal years 2016-2017 on May 7, 2015. The budget is honestly balanced, holds the line on spending, reduces state debt, and maintains reserves while also making historic investments in education, innovation, and reform.The FY 2016 Closeout Report is available at http://www.in.gov/sba/2362.htm. FY 16 Closeout infographics can be found attached.FY 2016 closeout graph 2.jpgFacebookTwitterCopy LinkEmailSharelast_img read more

Press release: Government publishes key licensing changes to further protect tenants

first_img Social media – MHCLG New guidance for landlords to further protect tenants from poor living conditions has been published by the Ministry of Housing, Communities and Local Government today (20 June 2018).Following legislation introduced last month, from 1 October 2018 any landlord who lets a property to 5 or more people – from 2 or more separate households – must be licensed by their local housing authority.The move, affecting around 160,000 houses in multiple occupation (HMOs), will mean councils can take further action to crack down on the small minority of landlords renting out sub-standard and overcrowded homes.New rules will also come into force setting minimum size requirements for bedrooms in HMOs to prevent overcrowding. Landlords will also be required to adhere to council refuse schemes, to reduce problems with rubbish.The guidance document includes further details on extending mandatory licensing to smaller HMOs and introducing minimum bedroom sizes as government continues to rebalance the relationship between tenants and landlords.Housing Minister Heather Wheeler MP said: Selective licensingGovernment is also today announcing a review to look at how selective licensing is used and find out how well it is working.In areas where selective licensing applies, landlords must apply for a licence if they want to rent out a property. This means the council can check whether they are a “fit or proper person” to be a landlord, as well as making other stipulations concerning management of the property and appropriate safety measures.The review will see independent commissioners gather evidence from local authorities and bodies representing landlords, tenants and housing professionals.The review’s findings will be reported in spring 2019. There will be an update on progress in autumn this year.Further informationSelective licensing allows local housing authorities to make it compulsory for all private rented accommodation in a specified area to have a licence.The schemes are intended to deliver improved standards and safety in the private rented sector for areas suffering serious problems. Everyone deserves a decent and safe place to live. Today’s new guidance for landlords will further protect private renters against bad and overcrowded conditions and poor management practice. Please use this number if you are a journalist wishing to speak to Press Office 0303 444 1209 2 Marsham StreetLondonSW1P 4DF Email [email protected] Office address and general enquiries Contact form https://forms.communit… Media enquiries General enquiries: please use this number if you are a member of the public 030 3444 0000 If your enquiry is related to COVID-19 please check our guidance page first before you contact us – https://www.gov.uk/guidance/coronavirus-covid-19-guidance-for-local-government.If you still need to contact us please use the contact form above to get in touch, because of coronavirus (COVID-19). If you send it by post it will not receive a reply within normal timescale. Twitter – https://twitter.com/mhclgFlickr – http://www.flickr.com/photos/mhclgLinkedIn – http://www.linkedin.com/company/mhclglast_img read more

Beyond the school day

first_imgThe end of the school day doesn’t mean the end of learning for Boston children and teens, thanks to after-school programs run by Harvard’s Phillips Brooks House Association (PBHA). For more than two decades, these programs have provided a safe and fun place for students to go in the crucial afternoon hours.PBHA runs more than a dozen after-school programs for Boston children and teens, offering homework help, tutoring, mentoring, and enrichment. For many students, being involved with PBHA keeps them out of trouble, helps them complete their homework, and gives them an opportunity to extend their learning time beyond the school day.“At home, my parents don’t speak English, and my older brother could only help me to a certain extent,” said Jorge Santana, 18, who started attending the Mission Hill After School Program (MHASP) when he was in the third grade and continued through high school. “PBHA gave me a one-on-one tutor who helped me learn English better and get my homework done.”As part of MHASP and other PBHA after-school programs, students take field trips to Harvard and receive one-on-one mentoring and training from college students. That kind of interaction helped Santana set his sights on college, and moved him to be the kind of role model that had inspired him as a child. Now in his freshman year at Fitchburg State, he has spent the past three years working as a counselor in PBHA’s summer programs.“Looking back, especially, I can see how it helped me,” he said. “Not everyone had that opportunity; I was lucky.”Stanley Zheng, a Harvard junior who runs PBHA’s Chinatown Afterschool Program, said his own experiences growing up with two working parents in Philadelphia’s Chinatown motivated him to volunteer when he came to Harvard.“Many of our students go through what I went through; they don’t have anyone to take care of them after school,” he said. “I remember when I was in the first grade and had to stay home alone after school because both of my parents worked … For our students, being here with someone who can sit down and read with them is a big thing.”For Philip Chen, a 12-year-old seventh-grader at the Quincy Upper School, going to the Chinatown Afterschool Program means an opportunity to make new friends and to have someone to help him with his homework.“They help me with math problems, or to write an essay,” he said. “It keeps me doing my work, and it makes me happy. If I wasn’t here, I’d probably stay home and do work without help.”Many students who participate in PBHA’s after-school programs also do PBHA mentoring and summer programs. The year-round and multiyear engagement enables them to form powerful relationships with volunteers and mentors, as well as other children. Because many students are bused to schools in other areas, these neighborhood-based programs are sometimes the only opportunity children have to meet and play with their neighbors.“I didn’t feel like I knew anyone here,” said Cindy Guan, 17, a senior at Boston Latin School who grew up in Chinatown and volunteers in the PBHA program there. “Doing the after-school program made me feel like I was a part of my community; it made me feel like I was giving back.”PBHA’s long-term presence in the Mission Hill neighborhood has made it a good community partner, said Samantha Calero, a community organizer with Sociedad Latina, a Roxbury-based nonprofit that focuses on youth development. The two organizations have worked together on initiatives to prevent violence and push education reform, and when budget cuts forced Sociedad Latina to scale back its summer programs, the organization referred families to the one run by PBHA.“We knew we were sending them to a high-quality and affordable program,” Calero said. “It’s a priority for us to serve as many families in Mission Hill as possible, and PBHA helps us accomplish that. They’ve been a strong presence here.”The PBHA programs generally run for two or more hours in the afternoon. During that time, students do their homework and then take part in enrichment activities designed to make learning fun. Programs maintain low ratios of students to teachers, enabling children to get more one-on-one time than they might at school, or even at home.“They help me out a lot,” said Jianny Baez, a fourth-grader at William Blackstone Elementary who attends MHASP, along with her brother and sister. “That’s how I got to be a better math person and really good at reading.”Volunteers for the program pick up the Baez children and others each day at their home in the Alice Taylor Housing Development.“They get their homework done, practice their academics, and I get a break,” said Brenda Baez, Jianny’s mother. “It’s convenient; they get picked up and dropped off. You can’t beat it.”This article first appeared in Partnerships for Progress: Teaching and Learning Partnerships/Boston, a fall 2010 publication from Harvard Public Affairs and Communications.last_img read more

BioTek 2010 sales outpace market growth again

first_imgBioTek Instruments,BioTek Instruments reports record growth for the fiscal year ending December 31, 2010, citing sales growth increases of 19% domestically and 16% internationally for their laboratory component business. In contrast, the scientific equipment market segment in 2010 reportedly grew around 6%.During the same period, BioTek opened a satellite office in Switzerland and launched a number of new microplate technologies, including:* ELx50â ¢ Microplate Strip Washer – A compact 3-in-1 washing powerhouse that accommodates standard ELISAs, biomagnetic bead separation and polystyrene vacuum filtration in 96- and 384-well strips and plates.* Synergyâ ¢ 2 Alpha Microplate Reader – This multi-mode microplate reader provides high-performance Alpha detection at a reasonable price.* Synergy H1 Hybrid Multi-Mode Microplate Reader – A highly flexible, high value monochromator-based multi-mode microplate reader that may be easily upgraded to a Hybrid reader with the addition of a high performance filter module.* MultiFloâ ¢ Microplate Dispenser – This 1-to-4 reagent, all-in-one liquid dispenser is modularly designed with peristaltic pump and microprocessor-controlled syringe pumps.According to Peter Weith, BioTek’s VP Marketing, Sales and Service, “We’re very pleased with our 2010 performance, and will continue to invest heavily in our infrastructure and our growing brand strength during 2011.”BioTek Instruments, Inc., headquartered in Winooski, VT, USA, is a worldwide leader in the design, manufacture, and sale of microplate instrumentation and software. BioTek instrumentation is used to aid in the advancement of life science research, facilitate the drug discovery process and to enable cost-effective quantification of disease relevant molecules in the clinic.March 8, 2011, WINOOSKI VT, USA ‘last_img read more

Poll finds public supports government funding of legal aid

first_img September 15, 2001 Gary Blankenship Senior Editor Regular News Poll finds public supports government funding of legal aid Poll finds public supports government funding of legal aid Senior EditorGiven the recent congressional debates over the level and even the continued existence of federally funded legal aid, it might be surprising to learn that Americans strongly support the idea. There’s even notable backing for some of the more controversial (and now prohibited) aspects of legal aid: filing class action suits and suing the government. Those are among the findings of a recent national poll conducted by the Washington, D.C., polling firm of Belden Russonello & Stewart for the Open Society Institute, in conjunction with the National Legal Aid and Defenders Association and the Center for Law and Social Policy. The polling firm’s John Russonello presented the results of the survey, which was completed in April 2000, at the Bar Board of Governors retreat August 24. In addition to polling 1,200 adults, the firm conducted 10 focus groups around the country to both help determine the questions and add perspective to the results. The findings were clear, he said: Public griping about lawyers and the legal profession is just “noise” without deep feelings, while there is strong support that all people deserve access to the justice system, even if the government pays for it. The poll asked people whether they strongly or somewhat agreed or strongly or somewhat disagreed that low-income people should be provided with assistance when they face civil legal problems, Russonello said. Fifty-five percent strongly agreed that help should be provided and 34 percent somewhat agreed, he said, adding, “From a pollster’s point of view, when you get 55 percent agreeing to anything strongly, it’s very, very unusual.” The poll followed that up by asking whether government should fund legal aid, given its many other duties. Forty-two percent strongly agree that it should, while 40 percent somewhat agreed, Russonello said. “The other interesting thing about this is while you have support this high, it was high among all groups in society — Democrats, Republicans, men, women, conservatives, liberals, moderates. We got a majority of everyone in those groups,” he reported. The poll asked about types of services legal aid should provide and found strong support — in the range of 80 to 90 percent combined of strong or somewhat supportive — for advice, taking cases to court, and negotiating with government. But more surprising, Russonello said, was when people were asked about providing lawyers to challenge welfare policies, which has been a controversial issue and is something legal aid agencies getting federal funds can’t do. The poll showed 41 percent strongly supported allowing such activity and 30 percent somewhat supported it. Providing attorneys to allow local groups to challenge government actions they consider harmful — one definition of a class action suit — found 38 strongly supportive and 40 percent somewhat supportive, he said. “One of the things that was very strongly positive was the feeling that people in low-income communities should be able to join together to take legal action against government or corporations,” Russonello said. “They [respondents] said, ‘Why not? This is what it’s all about. These are the people who are the most vulnerable.’” Not all the news was good. Russonello reported only 36 percent of those polled knew there was a government-funded legal aid program, and only 13 percent had a rough idea of the program’s name. And only 33 percent think it’s very difficult for the poor to find an attorney when they need one, he continued, adding, “Unless it’s seen as very difficult, the public won’t want to fund it.” This is partly because of the predominance of lawyer advertising, Russonello said, which creates the impression there are plenty of lawyers for all legal needs. He quoted one focus group participant as saying, “I think if you have a phone, you have a lawyer.” He added people don’t understand those ads pertain mainly to personal injury cases and that the ads’ promise of no cost if there isn’t a successful outcome doesn’t apply to most of the legal problems facing low-income people. “It’s that kind of perception that tells us they don’t understand how the whole system works,” he said. “It is a perception that we have to deal with.” In promoting legal aid, supporters must focus on basic values of access for all and the services that are provided to poor people, Russonello said. “They want to know not who you are and what you do, but what was the outcome,” he said. “People see legal aid as filling a need for single mothers, abused children, and elders, as part of their responsibility to take care of others. [They believe] every person in America should be able to obtain their rights, regardless. Everyone has a right to take their grievance to court.” Russonello concluded by making four points: • People overwhelmingly support providing help to poor people with civil legal problems. • The major obstacle to getting more support is the public’s lack of knowledge about existing programs. • “Don’t worry about the noise over lawyers and lawsuits. It’s not that persuasive” to the public’s core values of helping the poor. • “Stick to simple values. Access to justice and helping people who need help are the things that will carry this.”last_img read more

Unlocking the mystery of loan originator training

first_img 14SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Michael Christians In his role as Compliance Attorney for PolicyWorks, Michael Christians assists credit unions across the country with ensuring their mortgage lending programs are compliant with federal regulations. Michael has more … Web: www.policyworksllc.com Details The separate training requirements imposed by the state-level SAFE Act (Regulation H) and the Truth in Lending Act (Regulation Z) continue to cause confusion in the industry. This article sets out to unlock the mystery by answering the who, what and when of loan originator training.Let’s start with the state-level SAFE Act implemented by Regulation H. Remember, this is different than the Federal SAFE Act, which requires mortgage loan originators (MLOs) to register with the Nationwide Mortgage Licensing System & Registry (NMLS) and obtain a unique identifier. Regulation H imposes continuing education requirements for those who are required to be licensed. Section 1008.107 states a licensed MLO must receive eight hours of continuing education each year to maintain his or her license. This training must be approved by the NMLS.Generally speaking, MLOs employed by a credit union are exempt from the licensing requirement. Section 1008.103 of Regulation H says an MLO who is registered with the NMLS, has been issued a unique identifier and is employed by a covered financial institution (e.g. a credit union) does not need to be licensed. As a result, MLOs working inside the credit union are exempt from the continuing education requirements imposed by Regulation H.Now, let’s focus our attention on the periodic training requirement for loan originators (LOs) imposed by Regulation Z. Section 1026.36 of Regulation Z provides that all loan originators must receive periodic training commensurate with their day-to-day origination responsibilities. It’s important to note the definition of “loan originator” under Regulation Z is broader than the definition of “mortgage loan originator” under the SAFE Act. The Regulation Z training requirement may apply to not only your loan officers, but also processors, servicing personnel, new accounts representatives, call center staff and other internal staff with similar responsibilities.Section 1026.36 does not provide detail as to how much or what type of training will satisfy the Regulation Z requirement. However, commentary to the regulation does identify a safe harbor. It states if an LO participates in a training course that has been approved by the NMLS to satisfy the continuing education requirements for licensed MLOs (under Regulation H), the LO will have satisfied his or her periodic training requirement under Regulation Z.In summary, an unlicensed LO at your credit union is not subject to the continuing education requirements imposed by Regulation H. However, the benefit of your LO attending a course approved by the NMLS is you’ll know they have met the safe harbor standard to satisfy the periodic training requirement under Regulation Z.last_img read more