CU Times asked readers for their response to the question, "Regarding financial issues, what should FOX's Chris Wallace ask Clinton and Trump during the final presidential debate?"

Here's what you had to say:

presidential debate 2016 #Debate2016What is their plan to combat financial fraud affecting millions of Americans on an almost daily basis? From the Wells Fargo scandal to the Target breach to phishing schemes from abroad, what will they do to help protect Americans?

Stacey Walker

Board Director, XCEL Federal Credit Union

Bloomfield, NJ

debate 2016 questions for chris wallaceWhat is your plan to regulate financial institutions, and how do you do this without making the cost of compliance so high that banks and credit unions can’t afford to abide by the regulations?

Greg Hancock

Sales Manager, Xpress Data, Inc.

San Diego

chris wallace question for final debateWhy didn't any of the bankers who caused the financial crisis go to jail?

Heather Anderson

Co-Founder & Principal

OmniChannel Communications, Inc.

Los Angeles

If elected president, what would you do to reduce the regulatory burden on small financial institutions, like credit unions, allowing them to better serve their customers and spend less time on excessive government intervention?

Michael Fryzel

Attorney, Former NCUA Board Chairman

As president, would you support legislation mandating that university endowment funds be used to pay off the $1 trillion in current student debt before endowment balances are allowed to build up again?

Anonymous

Since main street credit unions have been stifled by the last eight years of costly and complex hyper-regulation, and additionally they have been super-frustrated by the unfortunate resulting reduction in their ability to lend and invest in their communities’ economic development; what will your administration do in its first 100 days to significantly reverse this horrendous threat to America’s moderate-income and middle-income citizens’ long-term fiscal sustainability and future prosperity?

Marvin Umholtz

President & CEO

Umholtz Strategic Planning & Consulting Services

Olympia, Wash.

chris wallace questions for final presidential debateWhat would you do to work with Congress to motivate consumers to diversify their deposits away from the 3 largest Money Center Banks into local credit unions and community banks?

Bill Mullally

Senior Director, CU Capital Market Solutions

Atlanta

chris wallace questions for final presidential debateFinancial technology is moving forward at breakneck speeds. What will you do to ensure that various regulatory bodies stay current and don’t make decisions based on yesterday’s technology?

John San Filippo

Cofounder & Principal

OmniChannel Communications, Inc.

chris wallace questions for final presidential debateWhat is their resolution to the cost of higher education, the increase in student loan debt and the future impact on our economy?

Christine Cordell

SVP of Strategy and Planning

Hiway FCU

St. Paul, Minn.

chris wallace questions for final presidential debateCredit unions focus on people helping people and have an impact on changing member lives. If saving the middle class, stronger together and making America great again are actual desired outcomes, what will you do to suggest credit unions are an alternative to Wall Street and bankers?

Susan Mitchell Stankovic

CEO, Mitchell, Stankovic & Associates

Las Vegas

chris wallace questions for final presidential debateIf the CFPB is meant to hold large banks more accountable why do they think big banks are getting bigger and stronger while small community banks and credit unions are disappearing at record rates? What do they plan to do to preserve small financial institutions as a choice for consumers?

Melia Keller

Vice President Marketing, F&A Federal Credit Union

Los Angeles

With the recent Wells Fargo scandal, I've got to ask, what are you going to do to make sure big banks are not taking advantage of members? Along with that, how are you going to ensure that smaller financial institutions can afford the cost of compliance? Most of the costs of compliance do not vary by size, and therefore proportionately are a much greater burden for smaller as opposed to larger institutions.

Matt McCombs

President/CEO

Vibrant Credit Union

Moline, Ill.The ever rising cost of college is causing more and more people to apply for high risk student loan debt. Student loan debt has grown to more than $1.3 trillion and recent data from the National Student Loan Data System shows that 14.38% of student loans are more than 31 days past due. As president, what would you do to address the increasing costs of college and the ever growing national student loan debt?

Nick Fugal, CPA

CFO

Clarity Credit Union

Nampa, Idaho

Technology has become both the consumer’s best friend and worst enemy, as evidenced by cybersecurity concerns. What will your administration do to better protect consumer data and create stronger, more credible national standards that apply to merchants as well as financial institutions such as credit unions and banks?

And, what will your administration do to promote more local, community-based delivery of consumer-friendly financial services such as those provided by credit unions?

John J. McKechnie, III

Senior Partner

Total Spectrum

Washington

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