Recent financial regulations havetaken a bite out of traditional payment-related revenue streams forcredit unions, and continuing uncertainty makes it difficult toplan for the future.

By now we're all too familiar with the consequences of theDurbin Amendment, a provision tucked into the Dodd-Frank WallStreet Reform and Consumer Protection Act of 2010, which cappedpoint-of-sale debit interchange fees for financial institutionswith more than $10 billion in assets.

Just when we thought this was all resolved and we could moveforward with at least a basic understanding of the impact of theregulations, a court ruling threw the industry into flux again,questioning the Federal Reserve's rules and re-casting doubt acrossthe industry.