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Reflecting on my nine years on the NAFCU Board, this has been one of the busiest congressional sessions in recent memory, with new bills introduced almost daily that would significantly impact our industry. The various federal regulatory agencies have been busy, too.

We are in a climate of pocketbook politics, with legislators eager to alleviate the financial distress of constituents and with regulators feeling the heat as well. Unfortunately, this has not produced a positive legislative or regulatory climate for credit unions.

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