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To forecast what lies ahead in 2010, one has to consider the enormous legislative and regulatory challenges of 2009. Work on legislation to overhaul the regulatory restructuring of the financial services system and the conservatorship of the two largest corporate credit unions were significant factors. At the same time, share insurance and stabilization fund assessments burdened credit union balance sheets. NAFCU worked intensely to counter regulatory reforms that would negatively impact credit unions and their members. Nevertheless, we fully expect that the stage has been set for what promises to be a tumultuous environment for our industry in 2010.

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