A Tale of Three Clauses: Risky Business with McArthur
We verify the lender’s interest on every policy we receive. But what does that actually mean? What is the difference between a mortgagee clause, a loss payee clause, and a…
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Webinar – Real Estate Tax Tracking Blueprint: Compliance Without Complexity
HUB Financial Services will host a focused 45-minute webinar “Real Estate Tax Tracking Blueprint: Compliance Without Complexity” on November 24, 2026 at 2pm ET. Where Real Estate Tax Tracking Breaks…
What Is Outsourced Insurance Tracking?
What is outsourced insurance tracking? Noting that a loan portfolio is only as protected as the collateral behind it, and collateral is only protected if insurance stays in force for…
What Is Fiduciary Liability Insurance?
Fiduciary liability insurance covers the personal financial exposure that plan administrators, investment committee members, and other designated fiduciaries face when they are accused of mismanaging an employee benefit plan. Under…
What Is Real Estate Tax Tracking?
What is real estate tax tracking? Sometimes called real estate tax servicing, it is the function built to confirm taxes get paid on time, on every parcel securing a loan,…
HUB Financial Services Compliance Update: GSE Servicing Guidelines
Following Spring 2026 announcements, the HUB Financial Services (HFS) compliance team provided clients with a deeper analysis of the Fannie Mae and Freddie Mac updates to property insurance requirements and condominium project standards. With…
What Is ALCO in Banking? Asset Liability Committee Guide
Understanding ALCO in Community Banks starts with what problem it exists to solve: a bank’s assets (loans and investments) and its liabilities (deposits and borrowings) do not naturally move together,…
Blanket Insurance vs. Lender-Placed Insurance: What’s the Difference?
Lender-placed insurance and blanket insurance both serve to protect a lender’s interest in collateral. While there are many differences between the two coverages, one of the primary distinctions is what…
Blanket Bonds: Fraud Solutions for Banks and Credit Unions
The FDIC just issued a Threat Spotlight Special Alert as part of their Division of Risk Management Supervision (RMS) / Cyber Fraud and Financial Crimes Section. It included a warning…
Who’s Grading Your Insurance Company? Why Carrier Ratings Matter
I received a request to explain carrier ratings, so that is our next topic! (I love requests, so reach out to me at michelle.mcarthur@hubinternational.com if there’s an insurance term you…