New Jersey Credit Union League

With both the House and Senate in Washington, D.C. this week, CUNA will be engaged with a pair of hearings on robocalls, as well as tax-related bills that will be considered on the House floor. CUNA is particularly interested in the robocall hearings as it is part of the ongoing effort to secure relief for credit unions under the Telephone Consumer Protection Act.

The Consumer Financial Protection Bureau (CFPB) is seeking applicants for its Credit Union Advisory Council (CUAC), which advises the Bureau on the credit union industry.

Legislation (S846) to reinstate and extend the state’s urban enterprise zones (UEZ) was approved by both house of the Legislature on Thursday and has been sent to Gov. Phil Murphy for his consideration.

Former state Sen. Bob Gordon (D-38)’s nomination to become a commissioner of the NJ Board of Public Utilities (BPU) was confirmed Thursday by the state Senate.

The Consumer Financial Protection Bureau's (CFPB) latest request for information (RFI) seeks feedback on its handling of consumer complaints and inquiries. This is the 12th in a series of RFIs announced as part of Acting Director Mick Mulvaney’s call for evidence to ensure the Bureau is fulfilling its proper and appropriate functions.

Credit unions’ member-centric focus means that they approach consumer regulation differently than other market participants, CUNA President/CEO Jim Nussle wrote to the Senate Banking Committee Wednesday.

Legislation (A1827; S2171) that would guarantee paid sick leave to nearly all workers in the state received final legislative approval Thursday and now heads to Gov. Phil Murphy who is expected to sign it into law.

Bi-partisan legislation (A3122; S871) that authorizes certain joint insurance funds (JIFs) to invest in various bonds, notes, and other obligations and to form joint cash management and investment programs received final legislative approval Thursday and now heads to Gov. Phil Murphy for his consideration.

The legislation was amended at the NJ Credit Union League’s request to include federally-insured credit unions. 

Credit union issues were discussed during Consumer Financial Protection Bureau (CFPB) Acting Director Mick Mulvaney’s appearances this week before the House Financial Services Committee on Wednesday and the Senate Banking Committee on Thursday. A copy of his written testimony is available here.

CUNA sent letters for the record outlining these issues and its vision for the future of the bureau.

Gov. Phil Murphy said this week that he intends to sign legislation intended to strengthen the state’s pay-equity law which passed both houses of the state Legislature by overwhelmingly majorities on March 26.

The N.J. Department of Banking and Insurance (DOBI) issued a bulletin on wire transfer fraud.

The Treasury’s Office of Critical Infrastructure Protection and Compliance Policy will host a roundtable on the information security risks posed to small financial institutions on May 7. The Treasury is inviting credit unions to attend this discussion.

Legislation (A2133; S871) that authorizes certain joint insurance funds (JIFs) to invest in various bonds, notes, and other obligations and to form joint cash management and investment programs is scheduled for floor votes in both the Assembly and Senate on Thursday.

The bills were amended at the New Jersey Credit Union League’s request to include federally-insured credit unions. 

Regulatory burdens are impeding consumer access to credit, CUNA Vice President of Research and Policy Analysis Mike Schenk told the Washington Examiner this week when discussing the bipartisan Economic Growth, Regulatory Relief and Consumer Protection Act (S.2155). The bill, passed by the Senate in March, is strongly supported by CUNA and the state leagues for the numerous regulatory relief provisions it contains.

Legislation (A1827; S2171) that would guarantee paid sick leave to nearly all workers in the state is scheduled to be voted on by the full Senate on Thursday.

CUNA will be engaged with Consumer Financial Protection Bureau (CFPB) Acting Director Mick Mulvaney’s appearances before House and Senate committees this week, his first appearances as acting director. Mulvaney is scheduled to appear before the House Financial Services Committee Wednesday at 10 a.m. and the Senate Banking Committee Thursday at 10 a.m.

Credit unions are the original consumer protectors, CUNA President/CEO Jim Nussle wrote to the House Financial Services Committee Monday, but Consumer Financial Protection Bureau (CFPB) actions are harming them, and the members they serve. CUNA sent its letter for the record of the committee’s hearing which will feature the first testimony from CFPB Acting Director Mick Mulvaney in that role.

CUNA joined more than 20 financial services trade organizations, including NAFCU and the major banking associations, Monday to support legislation to replace the Consumer Financial Protection Bureau’s (CFPB) single director with a bipartisan, five-member commission. The Financial Product Safety Commission Act of 2018 (H.R. 5266) was introduced in March by Reps. Dennis Ross (R-Fla.), David Scott (D-Ga.), Kyrsten Sinema (D-Ariz.) and Ann Wagner (R-Mo.).

Gov. Phil Murphy has nominated Sen. Bob Gordon (D-38) to become a commissioner of the NJ Board of Public Utilities. The nomination must be confirmed by the state Senate.

Legislation (A1827) that would guarantee paid sick leave to nearly all workers in the state was approved (8-3) Thursday by the Senate Budget and Appropriations Committee.

Regulatory relief for credit unions cannot wait, CUNA President/CEO Jim Nussle wrote an op-ed to Congress in American Banker Friday. The Senate passed the bipartisan Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155) in March, and CUNA, leagues and credit unions around the country are urging the House to take up and pass the bill.

Congress is back in session this week and both the House and Senate will hear testimony from CFPB Acting Director Mick Mulvaney as he delivers the bureau's semiannual report, and CUNA and the state leagues are continuing their regulatory relief efforts.

A lawsuit against a Texas credit union was voluntarily dismissed by the plaintiff this week, only days after CUNA and the Cornerstone Credit Union League filed an amicus brief in defense of Local 20 IBEW FCU of Grand Prairie, Texas.

Credit unions are not included in a Treasury report released Tuesday on recommendations to reform and modernize the Community Reinvestment Act (CRA). The CRA applies to financial institutions insured by the Federal Deposit Insurance Corp.

State Senator Robert Gordon (D-38) is rumored to be in line for appointment to the Board of Public Utilities (BPU).

Members of the Hudson County Democratic Committee representing the 32nd Legislative District voted last Thursday to appoint Secaucus resident Pedro Mejia to fill the vacancy in the state Assembly created when former Assembly Speaker Vinnie Prieto (D-32) resigned to become president and CEO of the New Jersey Sports and Exposition Authority.

CUNA Senior Director of Advocacy and Counsel Leah Dempsey appeared on the Brownstein Client Conversations podcast Monday to discuss the state of frivolous lawsuits hitting credit unions due to uncertainty with how the Americans with Disabilities Act (ADA) applies to Web sites.

The Consumer Financial Protection Bureau's Acting Director Mick Mulvaney has recommended four statutory changes to the Dodd-Frank Act in order to increase oversight and accountability of the Bureau. Mulvaney's recommendations preceded the CFPB's semi-annual report to Congress.

It appears that Gov. Phil Murphy has chosen a longtime business lobbyist, Melanie Willoughby, to head the New Jersey Business Action Center.

The NJCUL issued a new call-to-action today to encourage House passage of the CUNA/League-backed, bipartisan Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155). Passed by the Senate on March 14th, the bill is a major step forward for much-needed regulatory relief that includes some of the 15 provisions contained in the credit union-supported Financial CHOICE Act (H.R. 10), which was passed by the House last June.

The U.S. District Court for the District of Columbia Thursday upheld two challenged portions of NCUA’s field of membership (FOM) rule and struck down two provisions in a lawsuit filed against the agency by the American Bankers Association (ABA). CUNA, NAFCU, and CUNA Mutual Group, in a joint statement, disagreed with the court's decision and reiterated their intent to continue to work in support of the agency's authority to issue this rule.

WASHINGTON — The Consumer Financial Protection Bureau (CFPB) yesterday issued a Request for Information (RFI) on the Bureau’s guidance and implementation support.

Legislation (A1827) that would require employers to provide employees with paid sick leave passed the Assembly by a 50-24-1 vote Monday.

FEMA officials have announced various reforms to the National Flood Insurance Program (NFIP) the agency will pursue this year in an attempt to reduce the program's growing debt.

CUNA encouraged the Federal Housing Finance Administration (FHFA) Wednesday to continue to work towards finding the right balance between safety and soundness and credit availability for consumers. CUNA sent its letter in response to FHFA’s request for information on Fannie Mae and Freddie Mac credit score requirements.

With lawmakers working in their home districts through next week and less distracted by other Capitol Hill issues, the time is particularly well-suited for credit unions to continue the push for regulatory relief with U.S. House members. The NJCUL Wednesday wrote the delegation to encourage their support for the regulatory relief bill passed earlier this month by the U.S. Senate, and credit union advocates are encouraged to contact their respective House member.

WASHINGTON – Credit Union National Association and the League of Southeastern Credit Unions and Affiliates filed another amicus brief in the U.S. District Court for the Southern District of Alabama defending Naheola Credit Union, which was hit with a lawsuit alleging violations of the Americans with Disabilities Act (ADA).

Legislation intended to assure equal pay for equal work passed both houses of the state Legislature Monday, and was sent to Gov. Phil Murphy, who is expected to sign it into law.

Credit unions have less than two weeks remaining to submit applications to become a certified community development financial institution (CDFI) through the NCUA's streamlined application process. The streamlined process ends April 6. NCUA’s CDFI program and Application guide is available here.

The Wisconsin Credit Union league teamed up with the Wisconsin Bankers Association to urge Speaker of the House Paul Ryan (R-WI) to take up and pass the Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155). The bipartisan regulatory relief bill, which passed the Senate on March 14, is strongly supported by CUNA and the state league system.

Lawmakers are working in their home districts and state offices for the next two weeks, providing a great opportunity for credit unions to continue to the push for regulatory relief with House members.

Congress passed the fiscal year 2018 omnibus bill Thursday, and President Donald Trump is expected to sign the bill Friday to avoid a government shut down. The bill, released Wednesday, contains many wins for credit unions.

House and Senate negotiators released their fiscal year 2018 omnibus spending legislation Wednesday, which contains many wins for credit unions.

Mississippi Gov. Phil Bryant named state Agriculture and Commerce Commissioner Cindy Hyde-Smith to fill the seat vacated by Sen. Thad Cochran (R-Miss.). Cochran, chair of the Senate Appropriations Committee, announced he will retire effective April 1.

CUNA and the League of Southeastern Credit Unions and Affiliates (LSCU) filed a brief Tuesday in support of a credit union facing a predatory lawsuit alleging noncompliance with the Americans with Disabilities Act (ADA). The brief was filed in Scott v. The Infirmary FCU in the U.S. District Court for the Southern District of Alabama.

CUNA will be engaged this week with the forthcoming omnibus bill to fund the government for fiscal year 2018, as well as several hearings on Capitol Hill. CUNA will also continue its strong support of the bipartisan regulatory relief bill S. 2155 after it passed the Senate last week.

CUNA President/CEO Jim Nussle appeared on CBS News Friday to talk the Senate’s bipartisan regulatory relief bill and White House personnel moves. Nussle served a director of the Office of Management and Budget under President George W. Bush from 2007 to 2009.

As the Senate spent more than a week debating its bipartisan regulatory relief bill S. 2155, CUNA credit unions used the Member Activation Program (MAP) to activate their members in support of the common-sense regulation bill. As attention now pivots to the House, CUNA Chief Political Officer Richard Gose reminded credit unions that MAP can be a resource for garnering support.

A federal appeals court voided the Department of Labor’s fiduciary rule Thursday, a rule CUNA believes would have created additional compliance burdens for credit unions. The Fifth Circuit Court of Appeals ruled 2-1 that the rule was an arbitrary exercise of administrative power.

The D.C. Court of Appeals overturned the Federal Communications Commission’s (FCC) definition of an autodialer and vacated the FCC’s reassigned number approach in a lawsuit brought against the Telephone Consumer Protection Act (TCPA). CUNA filed an amicus brief in the case, and has expressed numerous concerns about the TCPA’s negative effects on credit union-member communication.

The Consumer Financial Protection Bureau (CFPB) is seeking applicants for its Credit Union Advisory Council (CUAC), which advises the Bureau on the credit union industry. The link to the application is open now through April 23.

The Consumer Financial Protection Bureau’s (CFPB) latest request for information (RFI) seeks feedback on the Bureau’s adopted regulations and new rule-making authorities.

The House voted Thursday 283-133 in favor of the CUNA/League-backed Financial Institutions Examination Fairness and Reform Act (H.R. 4545). House Financial Services Committee member Rep. Josh Gottheimer (D-5) is a co-sponsor of the bill. Committee member and bill sponsor Rep. Scott Tipton (R-CO) cited CUNA’s examination survey when discussing the bill during the mark-up in December.

Senior CUNA staff attended a hearing on the motions for summary judgement in the lawsuit against NCUA’s field-of-membership (FOM) rule Wednesday in the U.S. District Court for the District of Columbia. CUNA strongly supports NCUA’s FOM rule and filed a joint brief supporting the rule in June 2017.

The House passed a CUNA-backed regulatory relief bill that would require regulators to tailor their rulemakings to the risk level of the institutions affected. The Taking Account of Institutions with Low Operation Risk (TAILOR) Act (H.R. 1116) is consistent with the goals of the CUNA/League system’s bipartisan, pro-consumer Campaign for Common-Sense Regulation.

The U.S. Senate passed the CUNA/League-backed, bipartisan Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155) Wednesday, in a strong step forward for much-needed regulatory relief. CUNA and the state leagues strongly supported the bill, and their grassroots campaign resulted in millions of social media impressions and more than 50,000 messages sent to Senate offices.

The World Council of Credit Unions this week wrote to the Basel Committee on Banking Supervision regarding the regulatory capital treatment of investments in government-guaranteed debt. The Basel Committee is the primary global standard setter for the prudential regulation on banks and other depository institutions.

Gov. Phil Murphy addressed a joint session of the state Legislature Tuesday afternoon to deliver his first budget address since assuming office.

Bipartisan legislation (H.R. 5266) that would change the structure of the CFPB from a single director to a bipartisan commission was introduced in the U.S. House Wednesday.

The CUNA/League-backed Senate regulatory relief bill, the Economic Growth, Regulatory Reform and Consumer Protection Act (S. 2155), is being readied for final Senate passage this week and the House is already identifying bipartisan relief measures it may want to add to the bill before a House vote.

Freddie Mac has announced a new deal that will allow it to transfer mortgage-credit risk to the private market. The government-sponsored enterprise (GSE) said the structure would reduce costs to borrowers, as it would remove some costs that normally are included in insurance prices.

Gov. Phil Murphy is set to address a joint session of the Legislature this afternoon to deliver his first budget address since assuming office.

Legislation (A1827) that would require employers to provide employees with paid sick leave passed the Assembly Labor Committee by a 6-2 vote Monday.

"The Senate’s bipartisan regulatory relief bill is a chance to walk back many of the one-size-fits-all regulations coming in the wake of Dodd-Frank," CUNA President/CEO Jim Nussle said on CNBC’s Squawk Box Monday morning. Nussle spoke with host Becky Quick about the bill, what it does and what it doesn’t do.

Both the House and Senate are in Washington this week with a special focus on regulatory relief. The Senate is expected to resume discussions today on the credit union-backed Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155) and have procedural and possibly amendment votes this evening. The House is also set to tackle a series of regulatory relief bills.

CUNA and the state leagues’ grassroots advocacy in support of the Senate’s bipartisan Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155) led to more than 45,000 emails sent to Senators last week and millions of social media impressions. The Senate debated the measure throughout the week, and is expected to resume discussions Monday, with a final vote on passage potentially coming this week as well.

Legislation (S-559) that would prohibit any employer from seeking information on the wage or salary history of a prospective employee was approved on a party-line vote in the state Senate Labor Committee this week. Requiring the information as part of the interview process is also prohibited under the legislation, and an employer may only confirm the wage or salary history information after making a job offer to the prospective employee. The legislation is sponsored by Senator Nia Gill (D-34) and Senate Majority Loretta Weinberg (D-37).

The Consumer Financial Protection Bureau (CFPB) issued a Request for Information (RFI) this week about the Bureau’s rulemaking processes. Specifically, the Bureau is seeking comments and information from interested parties to help assess the overall efficiency and effectiveness of its rulemaking processes.

The NCUA board will discuss an advanced notice proposed rulemaking (ANPR) and issue a request for comment at its March 15 open board meeting. The agency also rescheduled its closed board meeting to Wednesday, March 14.

Senate debate on the CUNA/League-backed, bipartisan regulatory relief bill, the Economic Growth, Regulatory Reform and Consumer Protection Act (S. 2155), has concluded for the week, with Senate Majority Leader Mitch McConnell filing cloture on a substitute amendment filed by bill co-sponsor Sen. Mike Crapo (R-Idaho). The Senate stands adjourned until 4 p.m. Monday, and at 5:30 p.m. it will vote on the motion to invoke cloture on the substitute amendment.

HIGHTSTOWN, N.J. – NJCUL President/CEO David Frankil recently penned an op-ed urging Senator Bob Menendez and Senator Cory Booker to help New Jersey grow and support S. 2155m The Economic Growth, Regulatory Relief, and Consumer Protection Act, when it comes up for a vote. The op-ed piece has been picked up by the Township Journal and Sparta Independent.

CUNA President/CEO Jim Nussle highlighted how the current regulatory environment favors the largest banks in a letter to House Small Business Committee leadership Wednesday. The letter was sent for the record of the committee’s hearing on regulatory reform and its effect on small businesses.

CUNA wrote to House Financial Services subcommittee on financial institutions and consumer credit Wednesday to reiterate the need for data breach legislation containing several important principles. Kim Sponem, president/CEO of Summit CU, Madison, Wis., testified before the subcommittee on the same topic last month, and subcommittee chairman Rep. Blaine Luetkemeyer (R-Mo.) released draft legislation consistent with CUNA’s principles two days later. 

The Senate voted Wednesday evening to proceed to begin formal debate on the bipartisan, CUNA-supported Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155).

Legislation that would give New Jersey state charted credit unions tax parity with their federally chartered counterparts has been introduced in the state Assembly by Asm’s Raj Mukherji (D-33) and John McKeon (D-27). McKeon chairs the Assembly Financial Institutions & Insurance Committee.

The House voted Tuesday to pass two credit union-supported regulatory relief bills, both consistent with the CUNA/League Campaign for Common-Sense Regulation. One would require a regulatory review from financial regulators every five years and the second would grant certain loans held in portfolio Qualified Mortgage status.

CUNA continues its advertising campaign to thank lawmakers and urge support for the bipartisan Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155) as the Senate begins its consideration of the regulatory relief bill aimed at helping small financial institutions on Main Street.

CUNA and the state leagues continued their call-to-action to support S. 2155 as the Senate voted Tuesday on a motion to proceed with its consideration of the bipartisan regulatory relief bill. The motion passed with a 67-32 vote.

HIGHTSTOWN, N.J. – NJCUL President/CEO David Frankil recently penned an op-ed urging Senator Bob Menendez (D-NJ) and Senator Cory Booker (D-NJ) to help New Jersey grow and support S. 2155, The Economic Growth, Regulatory Relief, and Consumer Protection Act, when it comes up for a vote. The op-ed piece has been picked up by the Sparta Independent.

A federal district court in Virginia found that the plaintiff did not have standing to sue ABNB Federal Credit Union under the Americans with Disabilities Act (ADA) because he was not eligible for membership and would likely not use the credit union's services. This is the second ADA Web site complaint against a Virginia credit union dismissed because the plaintiff lacked standing.

Last week, 38 senators and 75 representatives filed an amicus, or friend of the court, brief in support of Acting Director Mulvaney and President Donald Trump's authority to designate an acting director of the Consumer Financial Protection Bureau (CFPB) under the Federal Vacancies Reform Act (FVRA).

The House is scheduled to consider two credit union-backed regulatory relief bills this week, and CUNA is also engaged in several hearings on Capitol Hill. In addition, the nationwide call-to-action in support of the Senate regulatory relief bill, the Economic Growth, Regulatory Relief, and Consumer Protection Act (S.1255), continues as a floor vote nears.

CUNA wrote to Senate leadership Tuesday morning to urge support for the bipartisan Economic Growth, Regulatory Reform and Consumer Protection Act (S. 2155) while the nationwide call-to-action continues.

The U.S. District Court for the District of Columbia has scheduled a hearing on the summary judgment motions in the lawsuit against NCUA's field-of-membership rule for March 14.

CUNA and the state leagues have issued a nationwide call-to-action urging credit union professionals, volunteers, and members to contact their Senators to tell them to vote "yes" on the Economic Growth, Regulatory Reform, and Consumer Protection Act (S. 2155). Senate Majority Leader Mitch McConnell filed cloture on the motion to proceed Thursday, indicating the Senate is preparing to take up the bill.

A frivolous lawsuit against Houston-based BCM Federal Credit Union was voluntarily dismissed with prejudice Thursday just eight days after CUNA and the Cornerstone Credit Union League filed a brief supporting BCM's motion to dismiss the case. Similar predatory lawsuits have detrimentally affected credit unions alleging non-compliance with the Americans with Disabilities Act. CUNA has engaged its 360-advocacy to find a solution in the legal, political and regulatory arenas.

After wrapping up with Wednesday’s morning session at CUNA’s Governmental Affairs Conference, more then 5,200 credit union leaders in attendance headed to Capitol Hill for meetings with their legislators.

WASHINGTON – After wrapping up at the Wednesday morning session at CUNA’s Governmental Affairs Conference, leaders in attendance headed to Capitol Hill for meetings with their legislators. Nine professionals and volunteers from six New Jersey credit unions joined NJCUL President/CEO David Frankil and Vice President of Corporate & Governmental Affairs Chris Abeel in meetings with the offices of 13 of New Jersey’s 14-member delegation.

CUNA joined with other financial trade associations Tuesday to write to Congress to correct a number of falsehoods contained in a recent retailer communication to Congress on data breaches. Retailers are attempting to push back against strong national data security standards, despite a lack of such standards causing major data breaches that bring additional costs to credit unions.  

WASHINGTON – The newest member of the state’s congressional delegation Rep. Josh Gottheimer (D-5) joined New Jersey credit union advocates at a New Jersey Credit Union League dinner in Washington, DC Tuesday evening. The dinner was held for NJCUL-member credit unions that are in Washington this week for CUNA’s Governmental Affairs Conference (GAC).

The House passed the CUNA-backed TRID Improvement Act of 2018 (H.R. 5078) Tuesday. The bill would amend the Real Estate Settlement Procedures Act to require the Consumer Financial Protection Bureau to allow the accurate disclosure of title insurance premiums and any potential available discounts to home buyers.

CUNA kicked off its 2018 Governmental Affairs Conference Sunday, and throughout the week several events will be live streamed on CUNA’s Facebook page for those not in attendance. More than 5,000 credit union leaders, including several from New Jersey credit unions and the New Jersey Credit Union League, are in our nation’s capital for this year's GAC.

In another victory for credit unions facing litigation over unclear Web site requirements under the Americans with Disabilities Act (ADA), a federal district court in Virginia found that the plaintiff in the lawsuit did not have standing to sue the credit union because he was not eligible for membership and would not likely use the credit union's services.

This year's CUNA Government Affairs Conference (GAC) features some big names. Along with those big names come some additional security measures.

The financial news company 24/7 Wall Street ranked New Jersey 48^th in the nation for its local tax burden, or the percentage of one’s income that goes to pay state and local taxes.

With three Assembly members taking up new posts in the Murphy Administration, local party organizations picked individuals to fill the vacancies, and Trenton welcomed the three new lawmakers this month. Each will have to run in a special election in November in order to serve the remainder of the two-year term.

The Consumer Financial Protection Bureau (CFPB) issued a Request for Information (RFI) Wednesday on the bureau’s external engagements. Specifically, the bureau is seeking comments and information from interested parties on ways to engage the public and receive feedback on the work of the agency.

"Credit unions have been, and will continue to be, the best avenue for Americans to gain access to the financial system," CUNA and NAFCU wrote to Sen. Orrin Hatch (R-Utah) Wednesday. The letter was sent in response to a letter filled with credit union misrepresentations sent by Utah bankers to Hatch.

WASHINGTON – Credit Union National Association and Cornerstone Credit Union Association last night filed an amicus brief supporting a credit union in Texas that’s facing a frivolous lawsuit alleging Web site non-compliance under the Americans with Disabilities Act (ADA).

The Telephone Consumer Protection Act (TCPA) is impacting consumer-friendly communications between credit unions and their members, CUNA Senior Director of Advocacy and Counsel Leah Dempsey told a Federal Communications Bar Association panel discussion Thursday. Dempsey explained the ways for relief outlined in CUNA’s petition for TCPA relief to the Federal Communications Commission.