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Disclaimer: This article is intended for informational purposes only and is not intend to be legal or professional advice. You should not act or rely on information in this article without first seeking the advice of an attorney.

The Consumer Financial Protection Bureau (CFPB or Bureau) markets itself as the federal government’s new “cop on the beat to patrol the consumer financial services markets.” Since even its marketing scheme evokes a strict law-and-order regime, it should come as no surprise that the Bureau is approaching the markets it regulates with an “enforcement-first” attitude, and private sector schools are in the line of fire as evidenced by the Bureau’s recent lawsuit against ITT Educational Ser vices. But no CFPB lawsuit proceeds without some formal factgathering beforehand, and the ITT matter almost certainly began with the Bureau’s primary investigatory tool, the Civil Investigative Demand (CID).

New Webinar Affordable Care Act Reporting

Posted by Tracy Leeth on March 20, 2015


As we know, the Affordable Care Act (ACA) continues to be the law of the land, and 2015 brings new requirements for employers.  We all know that large business—those with 100 or more full-time equivalent employees (FTEs)—must offer affordable health coverage that meets minimum value standards or they will be exposed to potential penalties if a full-time employee receives subsidized coverage through a Health Insurance Marketplace / Exchange.  And, transition relief from penalties is available for many medium-sized companies (i.e., those with 50-99 FTEs on average in 2014).

How Does Your Dress Code Measure Up?

Posted by Vanessa Lolli on March 13, 2015


Call it Spring Cleaning, if you will, but the changing of the seasons is an ideal time to dust off your company’s dress code policy and address the often more laid back attire of brighter days — and warmer months. 

Examining whether existing policies address a company’s casual attire can help better communicate expectations with employees. By doing this small task, you may be able to alleviate some of the headaches associated with those employees who take casual dress benefits a bit too far. 


Also published in Career Education Review 


Beginning in 2015, “applicable large employers” (with 50+ employees, counting part-timers on a prorated basis) must offer certain health coverage or be subject to a potential penalty under the Affordable Care Act (ACA). There are two types of penalties §4980H(a) and §4980H(b) which may be triggered if at least one full-time employee receives a subsidy through the public Exchange.

Preparing For Summer Internship Programs

Posted by Vanessa Lolli on February 24, 2015


Although half of the country is buried under several feet of snow and enduring sub-zero temperatures, there is no better time to start planning for summer, specifically, summer interns. Your company may have an established internship program or you may be considering interns for the first time. In either case, there are several considerations to be made and it’s important to plan early so your company’s interns can hit the ground running in May.

Thaw Your New Year's Goals

Posted by David Ytterberg on February 3, 2015

It’s Feb. 3. If you’re like the rest of America, it’s likely you’ve already fallen behind on one or more goals for 2015. All those well intentioned plans have gotten mixed in with day-to-day interruptions. Maybe you just forgot, or maybe you just thought of something new to tackle. 

Thankfully we’re never trapped to relive the same day over and over again like Bill Murray in ‘Groundhog Day.’ There’s still room to redeem the year, the month and even the week. Besides, New Year’s Day isn’t the only starting point for goals. Maybe tomorrow is even better.

It’s not about perfection next year; it’s about progress tomorrow.

With that said, here are three steps for getting on track with existing goals or for planning action steps for new ones.

Cobbs Allen CEO Interviewed By Business Insurance

Posted by David Ytterberg on February 2, 2015

Focusing on niche expertise, strong client service and acquisitions enables small and midsize commercial brokerage businesses to win larger shares of the industry. 

According to Business Insurance, an authority on news about risk management for a number of industries, the fragmented U.S. brokerage industry provides plenty of opportunities. 

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