As I have said before, given the explosion of class-action lawsuits involving credit unions over the last 15 years, any growing credit union should consider whether to put an arbitration clause into its account agreements. Properly crafted and disclosed to their members, an arbitration clause can eliminate the risk and expense of being subjected to a potentially expensive class-action lawsuit while continuing to provide legitimately aggrieved members a mechanism for addressing their concerns with the credit union. The good news is that, as more and more credit unions join banks in adopting these clauses, the clearer the rules of the road – which brings me to the inspiration for this column.