ViClarity Compliance Update

Key update features credit card rate proposals; risk-focused guidance; AI developments; and ViClarity Q&As.

Proposed Changes in Credit Card Interest Rates & Late Fees
Interest rates. You monitor them, you vary them, but to credit unions everywhere, the ability to set them is an operational necessity. Over the past month, credit card interest rates have been a topic of conversation following President Trump’s statements on Truth Social calling for a 10% cap on credit card interest. All credit card issuers were expected to comply with this requirement by January 20. Read more here.
 
Risky Business: Risk Conscious Compliance Strategies in an Age of Deregulation
This age of deregulation is like a double-edged sword. On one hand, it does provide credit unions with more business flexibility, possibly leading to more opportunities. On the other, without clear direction, risk mitigation can become a nightmare. Read more here.
 
Where the Rubber Meets…AI? Artificial Intelligence Becoming Necessity in Credit Union Operations
Artificial Intelligence (AI) and credit unions have only just recently begun to go together in the same sentence. Credit unions, being inherently risk averse, have had implementation concerns, specifically when it comes to member privacy and security. Learn more here.
 
Compliance Calendar
Recent Q&As: January 2026 – Part 2

​The Dakota Credit Union Association’s dues-supported compliance solution –  ViClarity – is a world leader in credit union compliance. To read the complete articles/answers that are linked, you will need to log in with your username and password. If you have questions about establishing your members-only account with ViClarity, click here for detailed instructions or contact DakCU's John Alexander.