A new character to help credit unions better prevent plastic card fraud has appeared on the scene.

It was graduation day for a total of 200 Desert Schools Federal Credit Union employees who earned nearly 300 degrees as part of Desert Schools' Virtual University.

Art Dinger, corporate compliance officer at Pennsylvania State Employees Credit Union in Harrisburg, says he knows something about how to "put a smile on the faces of examiners" looking at BSA documents.

The national credit union trade associations lobbied hard for the Bankruptcy Abuse Prevention and Consumer Protection Act that they say targets debtors trying to game the system, and after nearly a decade of work got their wish at the end of 2005.