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This is the most difficult and complicated final rule since I began my service on the NCUA Board. All of these covered credit unions should be proud of the fact that they made it through our most recent financial crisis. History suggests, however, that the next crisis is likely different from the last crisis, and the one before that.

Our job is to set these institutions up to succeed in the next crisis because the consequences, if they do not succeed, are systemic risk for the Share Insurance Fund and for the entire credit union movement.

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