While the newly launched Consumer Financial Protection Bureau has received considerable attention and criticism, the focus for most credit unions is on the NCUA's Office of Consumer Protection.

That office, and the agency's examiners, will be enforcing the rules that the CFPB issues as well as handling insurance, bylaw and field of membership issues.

The 38-person office hasn't ruffled many feathers yet, but credit unions are concerned that the complaint process could result in their being unfairly tarnished.

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