CU Times asked readers for their response to thequestion, "Regarding financial issues, what should FOX's ChrisWallace ask Clinton and Trump during the final presidentialdebate?"

Here's what you had to say:

Whatis their plan to combat financial fraud affecting millions ofAmericans on an almost daily basis? From the Wells Fargo scandal tothe Target breach to phishing schemes from abroad, what will theydo to help protect Americans?

Stacey Walker

Board Director, XCEL Federal Credit Union

Bloomfield, NJ

What isyour plan to regulate financial institutions, and how do you dothis without making the cost of compliance so high that banks andcredit unions can’t afford to abide by the regulations?

Greg Hancock

Sales Manager, Xpress Data, Inc.

San Diego

Whydidn't any of the bankers who caused the financial crisis go tojail?

Heather Anderson

Co-Founder & Principal

OmniChannel Communications, Inc.

Los Angeles

If elected president, what would you do to reduce theregulatory burden on small financial institutions, like creditunions, allowing them to better serve their customers and spendless time on excessive government intervention?

Michael Fryzel

Attorney, Former NCUA Board Chairman

As president, would you support legislation mandating thatuniversity endowment funds be used to pay off the $1 trillion incurrent student debt before endowment balances are allowed to buildup again?

Anonymous

Since main street credit unions have been stifled by the lasteight years of costly and complex hyper-regulation, andadditionally they have been super-frustrated by the unfortunateresulting reduction in their ability to lend and invest in theircommunities’ economic development; what will your administration doin its first 100 days to significantly reverse this horrendousthreat to America’s moderate-income and middle-income citizens’long-term fiscal sustainability and future prosperity?

Marvin Umholtz

President & CEO

Umholtz Strategic Planning & Consulting Services

Olympia, Wash.

What would you do to work with Congress to motivateconsumers to diversify their deposits away from the 3 largest MoneyCenter Banks into local credit unions and communitybanks?

Bill Mullally

Senior Director, CU Capital Market Solutions

Atlanta

Financial technology is moving forward at breakneck speeds.What will you do to ensure that various regulatory bodies staycurrent and don’t make decisions based on yesterday’stechnology?

John San Filippo

Cofounder & Principal

OmniChannel Communications, Inc.

What is their resolution to the cost of higher education,the increase in student loan debt and the future impact on oureconomy?

Christine Cordell

SVP of Strategy and Planning

Hiway FCU

St. Paul, Minn.

Credit unions focus on people helping people and have animpact on changing member lives. If saving the middle class,stronger together and making America great again are actual desiredoutcomes, what will you do to suggest credit unions are analternative to Wall Street and bankers?

Susan Mitchell Stankovic

CEO, Mitchell, Stankovic & Associates

Las Vegas

If the CFPB is meant to hold large banks more accountablewhy do they think big banks are getting bigger and stronger whilesmall community banks and credit unions are disappearing at recordrates? What do they plan to do to preserve small financialinstitutions as a choice for consumers?

Melia Keller

Vice President Marketing, F&A Federal Credit Union

Los Angeles

With the recent Wells Fargo scandal, I've got to ask, whatare you going to do to make sure big banks are not taking advantageof members? Along with that, how are you going to ensure thatsmaller financial institutions can afford the cost of compliance?Most of the costs of compliance do not vary by size, and thereforeproportionately are a much greater burden for smaller as opposed tolarger institutions.

Matt McCombs

President/CEO

Vibrant Credit Union

Moline, Ill.The ever rising cost of college is causing more and morepeople to apply for high risk student loan debt. Student loandebt has grown to more than $1.3 trillion and recent data from theNational Student Loan Data System shows that 14.38% of studentloans are more than 31 days past due. As president, what would youdo to address the increasing costs of college and the ever growingnational student loan debt?

Nick Fugal, CPA

CFO

Clarity Credit Union

Nampa, Idaho

Technology has become both the consumer’s best friend andworst enemy, as evidenced by cybersecurity concerns. What will youradministration do to better protect consumer data and createstronger, more credible national standards that apply to merchantsas well as financial institutions such as credit unions andbanks?

And, what will your administration do to promote more local,community-based delivery of consumer-friendly financial servicessuch as those provided by credit unions?

John J. McKechnie, III

Senior Partner

Total Spectrum

Washington