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In a variation of a once popular phrase, regulations happen. But Pam Perdue (pictured) believes that as more regulations pile up, the smell of the decline, and in some cases the death, of small credit unions becomes stronger.

Perdue, executive vice president of regulatory compliance for Continuity, a New Haven, Conn.-based provider of automated compliance solutions, closely watches the regulatory climate for both credit unions and community banks. In her mind, the idea that credit unions are being regulated out of business is a foregone conclusion.

“It’s not only conceivable,” Perdue said, “the numbers as well as anecdotal evidence tell us it’s true, for both banks and credit unions.”

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