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1 month ago | 
montrosepress.com | Kevin Patterson |Michael Conway
From Colorado’s Western Slope to its Eastern Plains, the Affordable Care Act, or ACA, has made health care more accessible for Coloradans across the state. It has provided a safety net for the mother and caregiver whose husband and son are disabled.
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1 month ago | 
coloradosun.com | Kevin Patterson |Michael Conway
From Colorado’s Western Slope to its Eastern Plains, the Affordable Care Act, or ACA, has made health care more accessible for Coloradans across the state. It has provided a safety net for the mother and caregiver whose husband and son are disabled. It has provided a sense of security amid uncertainty for the widower who was recently laid off. It has provided a cost-effective alternative for the family unable to afford a $2,400-a-month COBRA premium.
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Jul 2, 2024 | 
nature.com | Kevin Patterson
AbstractAmerican Indian (AI) communities are affected by uranium exposure from abandoned mines and naturally contaminated drinking water. Few studies have evaluated geographical differences across AI communities and the role of dietary exposures. We evaluated differences in urinary uranium levels by diet and geographical area among AI participants from the Northern Plains, the Southern Plains, and the Southwest enrolled in the Strong Heart Family Study (SHFS).
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Jun 7, 2024 | 
mondaq.com | Joseph Simon |Kevin Patterson |Elizabeth Murphy |Gabriela Morales
On May 30, 2024, the U.S. Supreme Court vacated and remanded a
Second Circuit decision holding that a New York law requiring
lenders to pay a certain minimum amount of interest on funds held
in mortgage escrow accounts is preempted as to national banks. The
unanimous decision by the Supreme Court stated that the Circuit
Court decision which held that the New York law was preempted for
national banks was not "nuanced" enough (see Supreme
Court Cantero decision here).
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Jun 1, 2024 | 
theglobeandmail.com | Kevin Patterson
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May 21, 2024 | 
mondaq.com | Joseph Simon |Kevin Patterson |Elizabeth Murphy |Gabriela Morales
The Federal Reserve Board and the Consumer Financial Protection
Bureau (jointly, the "Agencies") have amended Regulation
CC, the regulation that requires depository institutions to make
funds from check deposits available to customers within certain
timeframes. The amendments, which take effect on July 1, 2025,
increase certain dollar amounts based on changes in inflation and
will require depository institutions to make certain system changes
and issue change-in-terms notices to customers.
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May 16, 2024 | 
mondaq.com | Joseph Simon |Kevin Patterson |Elizabeth Murphy |Gabriela Morales
Federal banking regulators have jointly issued a guide to help
community banks develop and implement their third-party risk
management programs, policies, and practices.
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Apr 26, 2024 | 
mondaq.com | Joseph Simon |Kevin Patterson |Elizabeth Murphy |Gabriela Morales
A South Dakota-based national bank has agreed to pay more than
$700,000 to settle charges from the New York State Attorney General
that the Bank violated New York's Exempt Income Protection Act
(the "EIPA")1 by unlawfully freezing customer
accounts and illegally transferring money to debt collectors. This
appears to be the first time a financial institution has faced a
governmental penalty for violating the EIPA, a law that took effect
in 2009.
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Jan 11, 2024 | 
mondaq.com | Joseph Simon |Kevin Patterson |Elizabeth Murphy |Gabriela Morales
The Federal Deposit Insurance Corporation ("FDIC") has
adopted a final rule ("Final Rule") to
modernize the requirements governing use of the official FDIC signs
and advertising statements, and to clarify the FDIC's
regulations regarding false advertising, misrepresentations of
deposit insurance coverage, and misuse of the FDIC's name or
logo.
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Jan 2, 2024 | 
mondaq.com | Joseph Simon |Kevin Patterson |Elizabeth Murphy |Gabriela Morales
Under New York's Exempt Income Protection Act
("EIPA"), certain funds in deposit accounts are exempt
from most restraining notices and levies. One exemption under the
EIPA is for an amount deemed to be protected wages, with the amount
of such exemption tied to the minimum wage. As a result of an in the New York State minimum wage that takes effect
on January 1, 2024, the amount of the wage exemption under the EIPA
will increase as of that date.
