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This year at the GAC, the conversations I had with credit union executives in line at Starbucks or at the Marriott bar were quite a bit livelier than they have been in year’s past. Yes, the usual issues were all there: Credit union tax exemption, supplemental capital and member business lending. Risk based capital and regulatory burden were still a concern.

However, cybersecurity and the NCUA’s efforts to obtain vendor authority emerged as this year’s hot button issues. Data breaches and retailer responsibility, in particular, were top of mind. Most experts agreed a bill that would mandate data security standards might actually pass this Congress.

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