Business Need Focus

ICYMI: Our Top 6 Webinars on ACA Subsidy Management

ICYMI: Our Top 6 Webinars on ACA Subsidy Management Without question, 2016 brought new compliance challenges for HR professionals.  One of the more recent challenges facing employers is the ongoing management of Affordable Care Act (ACA) subsidy notifications and appeals. Because subsidies (also known as Premium Tax Credits) are the trigger for fines and you [Read More…]

Why ‘Stickiness’ Should Become A Major Component Of Affluent Marketing

In an era with more media options, more advertising, and more consumer choice than ever before, brands find themselves in intense competition for customer dollars and loyalty. Faced with so many available options, consumers’ buying decisions are less predictable than they were in the past, largely because cost is not always the primary concern. Given [Read More…]

ACA Penalties on the Way, IRS Letter 5699 Requests Missing Reporting

Recently, the IRS began sending Letter 5699 to request missing 2015 Affordable Care Act (ACA) reporting from Applicable Large Employers (ALEs).  A sample of this letter is available here. In the Letter 5699, titled “Request for Employer Reporting of Offers of Health Insurance Coverage (Forms 1094-C and 1095-C)”, a tax compliance officer is notifying the [Read More…]

Trended Data – Impact on Credit Decisions

In a previous post – Trended Data – Becoming Mainstream, we defined trended data and shared how the use of trended financial data is becoming mainstream in the mortgage industry. In this post, we’ll share an example of how a lender might use trended data in their everyday decision-making process. As a reminder, trended data [Read More…]

Have the Election Results Impacted Employers’ ACA Compliance Strategy?

Have the Election Results Impacted Employers’ ACA Compliance Strategy? Despite the results of the presidential election, only 3% of employers surveyed have put their ACA compliance strategy on hold until additional guidance is provided, according to a recent poll conducted by Equifax during a webinar: Piecing Together ACA: Reporting, Subsidy Appeals, and Employee Education. In [Read More…]

Upcoming Webinar: The New Form I-9 and Election’s Impact on Immigration

” Understanding the New Form I-9 and the Election’s Potential Impact on Immigration Reform”   Webinar Date: Thursday, Jan. 19, 2017 Time: 12:00 PM ET, 11:00 AM CT, 10:00 AM MT, 9:00 AM PT Fee: Free Join us to hear a leading immigration attorney explain the key changes to the newly released version of Employment Eligibility [Read More…]

Mobile commerce shines bright in online shopping

Equifax shares how to optimize your consumer mobile experience at Open Mobile Summit The 2016 holiday shopping season got off to a roaring start, particularly for the mobile channel which is seeing historically high sales. For the first time ever, online sales from mobile devices such as tablets and smartphones topped $1 billion during the [Read More…]

Are American Consumers Taking On Too Much Debt?

How much consumer debt is too much? This infographic from Visual Capitalist uses extensive Equifax data to try and answer this question. Courtesy of: Visual Capitalist

ETS Tax Intelligence: 2017 SUI Annual Taxable Wage Bases

Situation In general, there are two main factors that determine an employer’s annual state unemployment insurance (“SUI”) tax costs: 1) the employer-specific tax rate assigned, and 2) the taxable wage base.  The annual taxable wage base is a limit on the amount of an employee’s wages on which an employer must pay SUI taxes, as [Read More…]

Higher Education Webinar Recording: New Form I-9 and Top Gaffes

As the Higher Ed community prepares for winter tem hiring, we must remember that the new Form I-9 is now reality and it must be used by January 21, 2017.  Higher Ed has its fair share of challenges with different employee types (graduate students, rotating professors, remote employees, adjuncts, Foreign Nationals), a decentralized hiring structure, [Read More…]