Looking back five years ago finds credit unions excited about a community service provision to the draft Chartering Manual that resembles a Community Reinvestment Act for credit unions. "This isn't CRA-lite. This isn't CRA period. This is merely the credit unions showing that they are serving their entire community. There is nothing new there. Credit unions have always been required in their business plans to demonstrate that they are serving their entire community," said NCUA Chairman Norm D'Amours. Others in CU-land disagree. "It's called CRA for credit unions. That's what it looks like to me," said NAFCU Vice President for Regulation and Compliance Tim Pryor. "It basically says that NCUA is going to be sure that credit unions allocate so much credit to some sector of the membership.It's an allocation program. Congress has said credit unions don't need CRA, which is what NAFCU has been saying all along." Also in that issue the National Association of State Chartered Credit Unions contemplates its future of either going solo or merging with the National Association of State Credit Union Supervisors. "What will benefit our members most is what we'll be talking about. If we can come to a resolution where our mission and goals are accommodated by NASCUS, then it's a real possibility we can combine forces," said NASCCU Chairman Dave Raley.