Trade group also cites national data security as a pressing concern.
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Strict data security policy and procedures can help credit unions avoid costly breaches.
National Retail Federation encouraged by campaign for safer payment methods from retailers.
Trade group says retailers are not subject to same data security standards as credit unions.
Experts estimate fewer than 50% of card-issuing credit unions will have EMV-equipped credit and debit cards ready by October 2015.
The bank regulator has only adopted 28 of 39 GAO security recommendations. GAO report does not include the NCUA.