NEWPORT BEACH, Calif.-Reaction to NCUA's proposed rule changes regarding CUSOs has been swift and negative.

GLASGOW, Scotland-While CUSOs are widespread in the United States, the nation has nonetheless been slow to fully leverage collaboration among credit unions.

RANCHO CUCAMONGA, Calif.-Since CUs will likely have to change out one ATM at each branch next year, they should also consider adding imaging capability to the new machine they purchase.

BOLOGNA, Italy-The single biggest compliance burden isn't one specific regulation but rather a general lack of clarity across the entire regulatory landscape, according to one expert.

LAKE SUCCESS, N.Y.-It may be 2013 before real clarity comes to the compliance space, according to one observer, particularly for auto loans.

SAN ANTONIO-The state of financial services regulations has reached a point where it feels "unsustainable" to William Klewin.

MADISON, Wis.-The most pressing issue on the regulatory front for CUs: credit card-related rules.

DES MOINES, Iowa-The heated pace of regulatory change demands that credit unions rethink how they approach managing and planning for compliance within the credit union, numerous analysts are recommending.

FAIRBORN, Ohio-Every week it seems there is another mortgage compliance matter that needs attention.

DALLAS-Ever tried drinking from a fire hose? That's what it's like for credit unions trying to ensure compliance with the rapid-fire regulation that has been coming out as Congress and regulators try to prevent another financial crisis.

ST. PETERSBURG, Fla.-The worst thing CUs can do is think they are through the worst when it comes to the CARD Act and the new interchange rules.

MADISON, Wis.-As if CUs did not have enough burdensome regulations to worry about, coming soon to mortgage departments will be a troublesome, three-letter acronym: QRM.

SPOKANE, Wash.-If credit unions think the compliance burden is bad now, said Dave Chiappe, just wait-it's only going to get worse.

NORTH CANTON, Ohio-Financial institutions nationwide are in the middle of a 12-month window for complying with changes to the Americans with Disabilities Act, and Dean Stewart, senior director of advanced solution product management at Diebold, called that one of the most important compliance issues facing CUs today.

SAN ANTONIO-If CUs don't want to add insurance products to their growing list of compliance burdens they need to pay close attention to what Washington is discussing about regulating these products and speak with state and national legislators-and soon.

SAN DIEGO-Unemployment numbers may still be high nationally, but credit unions are hiring-and they're hiring compliance officers.

ATLANTA-When it comes to compliance, "there's a new elephant in the room," noted Murray Klein-the Consumer Financial Protection Bureau.

WASHINGTON-This week will mark the deadline for compliance with the first-ever rules requiring that board members at federal credit unions demonstrate they are financially literate and can read a balance sheet.

ALEXANDRIA, Va.-The NCUA Board last Thursday proposed requiring that all CU Service Organizations-the credit union subsidiaries that provide everything from card processing to real estate brokerage services-file annual financial reports giving the federal regulator greater monitoring power over some 650 CUSOs.

SAN FRANCISCO-No credit union heads into an exam with enthusiasm, but one person is offering an eight-step process for making the process much easier.