www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Presidential Power and Independent Agency Autonomy: The 2025 NCUA Board Removal Case I. Legal and Constitutional Framework A Constitutional Showdown Begins From "At Pleasure" to Independence: The 1978 Restructuring The Humphrey's Executor Precedent: Protecting Independent Agencies Unitary Executive vs. Congressional Design The Narrowing Path of Agency Independence Swan v. Clinton: The Precedent That Wasn't Quite 50 Years of Respect ...
Apr 29, 2025•36 min•Ep. 258
Conservatorship: When NCUA Removes the Board & What You Need to Know Episode Summary: In this special episode, hosts Mark Treichel, Steve Farrar, and Todd Miller dive into the high-stakes world of NCUA conservatorships —when the agency steps in to remove a credit union’s board and take control. Drawing from their extensive experience handling some of the largest conservatorships in NCUA history, they provide insider insights on: What conservatorship means and when it happens The role of the ...
Apr 24, 2025•12 min•Ep. 249
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ The NCUA’s boardroom has been rocked. Two board members fired. DOGE staff roaming the halls. Rumors of a regulatory consolidation swirl. In this must-hear episode, Mark Treichel is joined by former NCUA Board Member Geoff Bacino and former NCUA Congressional Affairs Director John McKechnie to unpack one of the most chaotic weeks in recent credit union regulatory history. From unprecedented dismissals to the looming question of NCUA’...
Apr 21, 2025•45 min•Ep. 257
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ White House press secretary Karoline Leavitt defended the firings, saying, “President Trump is the chief executive of the executive branch and reserves the right to fire anyone he wants.” Warren: “President Trump just fired two Board Members at the National Credit Union Administration in his continued attack on American consumers. This is the latest attempt by Trump to skirt the rule of law, undermine independent agencies, and illeg...
Apr 17, 2025•29 min•Ep. 255
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Overview: In this episode of With Flying Colors , Mark Treichel tackles two hot topics ahead of the upcoming NCUA Board meeting: The Staff Buyout Program : With 145 FTEs already accepting voluntary separation packages—roughly 12% of NCUA's workforce—Mark explores the deeper implications. Could the agency be targeting a symbolic sub-1,000 FTE threshold? Poll results and inside intel help paint the picture. The Wildfire Relief...
Apr 15, 2025•17 min•Ep. 254
Episode Summary: In this episode of With Flying Colors , host Mark Treichel is joined by former NCUA capital markets expert Todd Miller to discuss the latest updates to NCUA’s Interest Rate Risk (IRR) Supervisory Framework. Following NCUA’s recent stakeholder webinar, we break down key takeaways, including changes to risk categorization, the elimination of the extreme risk rating, and how these updates impact credit unions navigating today’s economic landscape. What You’ll Learn in This Episode:...
Apr 10, 2025•50 min•Ep. 248
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ A quick-hit episode this week! Mark shares thoughts on Duke’s March Madness collapse, the rise of Rodney Hood at OCC, Jim Nussle’s pending retirement, and NCUA’s buyout offers. Plus, a few takes on market volatility, sub debt approvals, and the ever-shifting dynamics at the NCUA Board. Topics Covered: Duke’s tourney loss and dynasty hate Rodney Hood's possible FDIC move Jim Nussle’s retirement news NCUA staff buyouts and exam slowdo...
Apr 08, 2025•12 min•Ep. 253
Episode Title: NCUA: Can You Put That in an Examiner Finding, Not a DOR? Episode Summary: In this episode of With Flying Colors , host Mark Treichel is joined by Steve Farrar and Todd Miller to unpack the complexities of NCUA examinations, examiner findings, and documents of resolution (DOORS). They dive into what makes an issue rise to a DOOR, how credit unions can negotiate findings, and why corporate governance is becoming a focal point in exams. With their decades of experience inside NCUA, ...
Apr 03, 2025•54 min•Ep. 247
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors , Mark Treichel is joined by Jason Stverak , Chief Advocacy Officer of the Defense Credit Union Council (DCUC) , for a wide-ranging conversation on the unique role defense credit unions play in serving military members—and the policy battles threatening their ability to do so. Jason shares how DCUC advocates for military-affiliated credit unions across a rapidly evolving regulatory and political...
Apr 01, 2025•38 min•Ep. 252
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Summary: In this episode of With Flying Colors , host Mark Treichel is joined by Steve Farrar and Todd Miller from Credit Union Exam Solutions to discuss the serious implications of a CAMEL Code 4 rating. A downgrade to CAMEL 4 signals significant risk and increased regulatory scrutiny. What does this mean for your credit union? What immediate actions should management and the board take? How does this impact borrowing, liqu...
Mar 27, 2025•30 min•Ep. 246
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ In this episode of With Flying Colors , host Mark Treichel is joined by Steve Farrar and Todd Miller to analyze the latest trends shaping the credit union industry in 2024. They dive into the recently released NCUA data, discussing multi-year trends, economic pressures, and how credit unions are navigating challenges such as rising delinquencies, declining net income, and shifting liquidity conditions. Key Topics Covered: ✅ Multi-Ye...
Mar 25, 2025•39 min•Ep. 251
So You're a CAMEL Code 3 – Now What? 🎙 Episode Title: So You’re a CAMEL Code 3 – Now What? Episode Summary: In this episode of With Flying Colors , host Mark Treichel is joined by Steve Farrar and Todd Miller from Credit Union Exam Solutions to discuss what happens when a credit union is downgraded to a CAMEL Code 3 . They break down the implications of this rating, what it means for credit union management, and how to navigate increased NCUA supervision effectively. What You’ll Learn in This E...
Mar 20, 2025•26 min•Ep. 245
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA Predictions: What Will the Do in 2025? Treichel: [00:00:00] Hey everyone, this is Mark Treichel with another episode of With Flying Colors. Today I am flying solo and I am calling this podcast something like what I expect from NCUA in 2025. In preparing for today's show, I took some notes going back and looking at NCUA's Agenda from their board action taken in 2025 and am gleaning based on the Trump administration and the Helpm...
Mar 18, 2025•21 min•Ep. 250
Episode Summary: In this episode of With Flying Colors , Mark Treichel, along with industry experts Steve Farrar and Todd Miller, discuss a growing trend—NCUA requesting private meetings with credit union boards. What does it mean when regulators ask to meet without management present? Should boards be concerned? And how should they prepare? With decades of NCUA experience, Steve and Todd share insights into: ✅ Common reasons why NCUA requests board-only meetings ✅ When a meeting with the board ...
Mar 13, 2025•30 min•Ep. 242
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Did NCUA just vote on its reorganization plan? Time will tell. https://www.opm.gov/policy-data-oversight/latest-memos/guidance-on-agency-rif-and-reorganization-plans-requested-by-implementing-the-president-s-department-of-government-efficiency-workforce-optimization-initiative.pdf
Mar 12, 2025•9 min•Ep. 244
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Recorded just prior to GAC... check out this great interview with Katie Averill of Iowa and NASCUS...
Mar 11, 2025•31 min•Ep. 243
"Liquidity Management: Reading Between the Lines of NCUA's Latest Guidance" In this insightful episode, Mark Treichel and former NCUA Capital Markets Specialist Todd Miller analyze NCUA's April 2023 liquidity webinar and provide their expert take on the agency's current perspective on liquidity management. Episode Highlights: Todd Miller shares his 34-year experience at NCUA, including his roles as a regional capital market specialist and director of special actions Key liquidity guidance docume...
Mar 06, 2025•37 min•Ep. 241
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ https://ncua.gov/newsroom/press-release/2025/hauptman-announces-changes-ncuas-overdraftnsf-fee-collection A great Monday at GAC .... listen for details.
Mar 04, 2025•25 min•Ep. 240
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ NCUA Board focuses on staff morale and safety of deposits. Also what happened to the item making Todd Harper Vice Chairman?? Listen and learn.
Feb 27, 2025•19 min•Ep. 239
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Title: "Credit Unions at a Crossroads: Regulator Consolidation and the Tax Threat" With Flying Colors Podcast | Episode [Number] | Released February [XX], 2025 Host: Mark Treichel Guest: John McKechnie, John Ney LLC, Credit Union Policy Expert Overview: In this timely episode, recorded just ahead of the 2025 Governmental Affairs Conference (GAC), Mark Treichel sits down with John McKechnie, a seasoned credit union advocate a...
Feb 26, 2025•30 min•Ep. 238
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Have an LUA, or are you worried about getting one? Don't miss this episode.
Feb 20, 2025•20 min•Ep. 237
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ The Perfect Storm: Credit Risk and Modern Collections with David Reed In this episode, Mark Treichel sits down with David Reed, of Reed & Jolly law firm, to discuss the pressing issue of credit risk and loan quality in credit unions. As a former in-house counsel and collections manager turned credit union attorney, Reed brings unique insights into modern collection challenges and solutions. Key Topics: Analysis of NCUA's 2024 Su...
Feb 18, 2025•39 min•Ep. 236
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Show Notes: With Flying Colors - Interview with Mike Macchiarola of Olden Lane Guest: Mike Macchiarola, Olden Lane (broker-dealer and investment advisor serving credit unions) Key Topics Discussed: - Interest Rate Environment: Impact of "higher for longer" rates on credit unions, with industry cost of funds rising to 218 basis points - Regulatory Changes: Shift in regulatory focus under new NCUA leadership and potential Trump admini...
Feb 11, 2025•56 min•Ep. 235
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Press Releases Secretary Bessent Announces Intention to Appoint First Deputy Comptroller of the Office of the Comptroller of the Currency February 7, 2025 WASHINGTON – Secretary of the Treasury Scott Bessent today announced his intention to appoint Rodney E. Hood as a Deputy Comptroller and to designate him the First Deputy Comptroller of the Office of the Comptroller of the Currency (OCC). In this role, Mr. Hood will also serve as ...
Feb 08, 2025•58 min•Ep. 234
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Key Topics to Include: Economic data and analysis Financial statement review Key performance/risk indicators Liquidity reporting Interest rate risk analysis Investment portfolio oversight Scenario testing and stress analysis Model validation and risk assessment Credit risk integration Documentation and minutes...
Feb 04, 2025•35 min•Ep. 226
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Summary: In this special Archive episode of With Flying Colors, Mark explores the meaning and implications of "agreed upon corrective action" in credit union examinations. Drawing from his experience at NCUA, Mark explains how this term appears on examination reports and why its proper implementation is crucial for credit unions. Key Points Covered: Mark begins by breaking down the literal meaning of "agreed upon" using dictionary d...
Jan 30, 2025•13 min•Ep. 230
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Kyle S. Hauptman Designated as NCUA Board Chairman ALEXANDRIA, Va. (Jan. 22, 2025) – President Donald J. Trump has National Credit Union Administration Vice Chairman Kyle S. Hauptman as the thirteenth Chairman of the NCUA Board. “I am deeply honored that President Trump has asked me to serve as Chairman of NCUA,” Chairman Hauptman said. “I look forward to leading the agency’s dedicated professionals and working with my Board colleag...
Jan 28, 2025•32 min•Ep. 233
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Summary : In this episode of With Flying Colors , host Mark Treichel sits down with Steve Farrar, a former NCUA examiner and capital expert, to discuss the complexities of credit union capital management. With decades of experience, Steve shares insights into the evolution of capital regulations, the purpose of regulatory capital, and the challenges credit unions face in maintaining the right balance between risk and growth....
Jan 23, 2025•29 min•Ep. 229
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ ## Episode Summary: NSF and Overdraft Fees - What You Need to Know In this episode, Mark Treichel interviews Joe Goldberg, former director of the NCUA's division of consumer compliance policy and outreach, about the December 2024 NCUA letter addressing consumer harm from certain overdraft and NSF fee practices. ### Key Topics Covered: Joe Goldberg discusses NCUA's recent guidance on problematic overdraft fee practices, including: 1....
Jan 21, 2025•32 min•Ep. 232
www.marktreichel.com https://www.linkedin.com/in/mark-treichel/ Episode Description: In this special archive episode of With Flying Colors , Mark shares valuable insights from his years of experience in credit union examination and consulting. Broadcasting straight from the beach, he breaks down the top 10 ways credit unions can avoid receiving a Document of Resolution (DOR) from the NCUA. Whether you're preparing for an exam or just looking to fine-tune your operations, these practical tips wil...
Jan 16, 2025•15 min•Ep. 228
