Regardless of the size of your credit union, the fact that "Venmo" has already become a verb – "I will Venmo you the money" – is a sure sign that your members expect this service as part of their basic banking services. This is why one of the top 10 issues that yours truly predicted credit unions would have to confront this year was figuring out their legal obligations in relation to third-party payment platforms such as Zelle and Venmo. Unfortunately, the erstwhile Electronic Funds Transfer Act and its accompanying Regulation E has been outpaced by the technology. The resulting confusion is costing credit unions money for which they should not be responsible (by the way, this prediction was slightly better than my prediction of a San Francisco 49er/Cincinnati Bengal Superbowl).