"Regulatory Hurdles Too High for Potential New Credit Unions," March 21

Couldn't agree more with what has been said! I've been involved with credit unions since 1979 and my father served as board chair of the oldest credit union in Maryland. I retired after serving 24 years on a board and 19 years as a federal credit union president/CEO. While still involved, I've also consulted in the past three years in multiple credit union mergers … all small credit unions that just couldn't continue to exist under the ever-increasing rules, regulations and compliance requirements placed upon them. I've even considered starting a new credit union, but the requirements just make it too difficult as a not-for-profit financial institution to make it work. Change can be good, but overregulation hurts the potential of serving the public!

Richard T. Webb

"Hensarling to Cordray: You Should Be Fired," April 5

While most would agree additional clarity is needed from the CFPB, there is absolutely no evidence their actions have increased the costs of obtaining credit – beyond, as is usual, consumers paying the fines levied against the crooks who have been caught in their misdeeds.

Credit unions, especially, should be careful what they wish for. The CFPB's enforcement efforts have likely done more to promote credit union membership than that achieved by all of the NCUA's efforts over the last 20 years.

For small institutions to cry about the CFPB is ludicrous – you'll never see anyone representing the agency unless you are $10 billion or more in asset size, and efforts are underway to increase that to $50 billion. The CFPB has shown time and again that in larger institutions management's greed often outweighs efforts to ensure integrity in operations. Moreover, the financial crisis demonstrated how the real culprits at the larger institutions were allowed to claim a lack of knowledge of unfair and illegal activities to avoid prosecution. It's obvious Republicans attempting this smear campaign are in the pockets of Wall Street and have little concern for the "little guys," who ultimately pay the price.

Robin H.

Again, should there be a CFPB? Yes, the marketplace needs a fair and "honest" agency. Do the people currently at the CFPB have this in mind? No. They think they are better and know more than the professionals doing the work in financial institutions every day. Would consumers and the regulated be better off with a commission rather than one ego-driven director? Absolutely. Besides, that is what Liz Warren wanted when she proposed the agency to Candidate Obama. I guess Senator Warren wants all the power in one person. Wish the fourth estate would ask the Gentlewoman from Massachusetts why she switched positions when she moved from law professor to elected leader!!

JustAPlayer

"Making Remote Work Feel Less Remote," April 19

Very informative article, Natasha! It's typically good practice to give people what they want. If you want a happy company then starting with happy employees is a good first step.

Worksnaps