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The credit union community prides itself on giving members and most members of Congress warm and fuzzy feelings. It is more of a community than most industries with credit unions sharing best practices and how-tos. Being part of a cooperative movement yet competing in a tight marketplace puts credit unions and related organizations in a tough spot.

Again, a subculture of the community “inside the Beltway” is the regulatory one. The financial services regulators necessarily have to work together on issues such as mortgage regulation and IT security measures for their respective industries. This cooperation has been formalized by the Federal Financial Institutions Examination Council.

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