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After reading repeated articles about credit union and trade association opposition to the proposed debit card interchange changes, I have found myself repeatedly coming back to the same question. Why?

Why oppose something so potentially advantageous to the movement? Sure, change is difficult. And there are elements of the regulations which may be burdensome. But might it also be possible that the financial impacts of the proposed changes will provide the smaller financial institutions, including all but three of 7,500 credit unions, with their most compelling competitive advantage in memory?

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Peter Westerman

Credit Union Times

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