As air temperatures around the country cooled, financialregulators have turned up the heat on credit unions and banks.

For the third quarter of 2014, the needle was pointed directlyat hot, according to Pam Perdue, EVP of regulatory insight forContinuity Control, a New Haven, Conn.-based financialtechnology firm.

“This surprised us a little,” Perdue told participants during aThursday recorded webinar. “We were expecting some increases, butnot quite this much.”

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