Commentary

The NCUA's decision to extend the exam cycle to 18 months should be based on facts rather than emotion, rhetoric or pressure.

Make fraud prevention part of your policy vernacular and way of doing business on a daily basis.

Fees over and above the amount needed to actually process an overdraft, plus perhaps a tiny premium, are predatory.

Small credit unions can't offer overdraft-free accounts.

Credit unions are doing their part in ensuring that members are knowledgeable consumers with regard to overdraft protection.

Credit unions are forced to operate in a tough reality, but that doesnt make the fee solution right.