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Mortgage modifications, low-cost credit cards, alternatives to payday loans and strong financial literacy counseling are among the ways Ohio’s Wright-Patt CU helps its members improve their financial health, Wright-Patt FCU President/CEO Doug Fecher will tell a Senate panel on Tuesday.

Fecher, who noted that the ratio of household debt to disposable income is almost 120% compared with 80% 10 years ago, said his $2.1 billion suburban Dayton credit union could meet the needs of more people if they had to spend less time complying with regulations.

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