One of the things I remember growing up was the monthly newsletter my parents would receive from our congressman, the late Edward J. Derwinski. He would end each correspondence with the saying, "Remember, no one wielded a scepter more powerful than a person who picks up a pencil to write his congressman."

Perhaps today we would not use a pencil. It might be a pen but probably an email would be the chosen means of communication. 

Recently, the NCUA put out for comment and announced proposed rule 12 CFR Parts 700, 701, 741 and 750, definition of troubled condition. Specifically, the rule proposes to change the definition of a state-chartered federally insured natural person credit union as troubled if either the state or federal regulator assigns it a CAMEL or CRIS code 4 or 5 composite rating. The reasoning is to guard against a ratings discrepancy as a precaution to protect the insurance fund. Ratings would then be consistent for all federally insured credit unions.