It seems like a simple process. Grease a baking tin with release agent and your product will slide easily from it.But release agents can also affect things like the finish and shape of baked goods, and different products require specific agents, explains Alfred Fowler, sales director of Croda Food Services.”If you use too much release agent or the wrong kind, you can end up frying the crust or making the outer part of the product soggy. It can even affect the shape of your product. That is why there are specific agents for different cakes and breads.”He continues: “The releasing part of the process is of prime importance because if the baker has done everything correctly, up to that point, but is unable to release the bread from the tin or the cake from the shape, all his time has been in vain.”Release agents are an area of expertise for Croda, a specialist manufacturer of technical oils and fats. Based in Oldham, Lancashire, it supplies major bread and cake manufacturers and in-store and craft bakeries.One of its most recent innovations has been to develop trans fat free release agents.”Retailers want to remove all hydrogenated fats from their products,” says Fowler. “Marks & Spencer, for example, set a deadline of April 2006. We had to be sure the new release agents retained their quality and function so we had to do lots of tests and plant trials.”Other health issues that Croda has to be aware of is avoiding contamination by a build up of carbon. “Therefore, as little agent should be used as possible without compromising on its effectiveness,” says Fowler. “Because we do regular servicing and design the machines that apply the agents, we can make sure there is not an excess of carbon build-up.”Croda’s release agents are made from vegetable oils, emulsifiers and waxes and are compltely free from mineral hydrocarbons.Its main areas of specialisation include: release agents for use in bread, cake, pizza and sugar confectionery applications; speciality products designed to replace mineral oils in bakery machine lubrication; emulsifiers for the large cake manufacturers; and speciality liquid, powdered and flaked fats for the food and bakery industries.Croda also supplies organic release agents that are certified by the Soil Association, as well as soya-free lubricants.To help bakers decide which release agent is required for their products, Croda has developed an online Matrix test (see [http://www.croda.com]).The company’s release agents range includes:l Greetin: a vegetable oil-based emulsion for automated, high volume bread lines.l Starspray: designed for use by the in-store and craft baker, where application is by brush or hand spray.l So-Free: an alternative range of release agents that are completely free from soya-based ingredients.
At NAFCU, my department focuses on the latest and most challenging regulatory compliance issues facing credit unions today. We are constantly in contact with compliance officers and other credit union staff who have to deal with a continuing barrage of new and proposed rules, and the updates that invariably follow. Between the shifting deadlines and multiple regulatory agencies overseeing our industry, it can be a lot to keep track of for credit unions of all sizes.For example, in 2015 alone, we have seen significant changes in the Military Lending Act’s rules, NCUA’s flood insurance provisions, and CFPB finalized an overhaul of its Home Mortgage Disclosure Act rules. That’s in addition to evergreen compliance challenges such as CFPB’s mortgage and lending regulations, complex rules on advertising and the Bank Secrecy Act.Compliance is a growing profession due in large part to the ever-growing regulatory burden. Outside of the Bank Secrecy Act, there is no formal requirement to employ compliance officers. However, many credit unions are finding that managing compliance risk is difficult without staff specifically responsible for compliance within their department. Other credit unions are moving toward centralized compliance programs with full-time staff overseeing compliance and other risk management functions.Our team works with many compliance officers every day and NAFCU is always on the lookout for regulation to come. While 2015 was a busy year from a regulatory implementation perspective, NAFCU expects 2016 to be an equally active rulemaking year for the regulators. In terms of CFPB, the bureau is poised to finalize substantial amendments to its mortgage servicing rules and to issue new rules for prepaid cards. Meanwhile, NCUA is set to finalize its member business lending rule and potentially its field-of-membership rule.It’s a lot to keep track of. NAFCU’s regulatory compliance team is available to answer questions – and will respond within about one business day – and we try to highlight hot topics and new regulations through our various publications, including the Compliance Blog, the Compliance Monitor, and the BSA Blast. We are set to issue a new compliance manual in 2016 that is designed to assist credit union compliance officers with day-to-day needs and includes links to many resources and guidance materials.Sometimes, though, it is easier to learn and digest these issues face-to-face. Our team is already planning our next Regulatory Compliance School program, set for March 14-18 in Arlington, Va. We’ll be discussing compliance challenges ranging from regulation of share accounts, how to navigate mortgage regulations, NCUA’s field-of-membership requirements and cybersecurity. School also offers credits to earn or maintain your NAFCU Certified Compliance Officer (NCCO) or CPA designations. Regulatory Compliance School is a great opportunity to learn or review the basics of compliance, drill down on specifics that credit unions need to know and network with others. I hope to see you in March! 41SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Brandy Bruyere Brandy Bruyere, NCCO was named vice president of regulatory compliance in February 2017. In her role, Bruyere oversees NAFCU’s regulatory compliance team who help credit unions with a variety of … Web: www.nafcu.org Details read more