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• Kanjorski: Congress should take time with reg reforms
• NCUA working with agencies on Credit CARD Act, UDAP
• Credit reporting changes to take effect in 2010
• FHFA raises loan-to-value ratio for home refinancers
• Pa. CUs to aid state employees in budget impasse
• Boston Globe: When lender says no, turn to CUs
• CUNA closed Friday for holiday, no News Now
• Heartland tests new encryption
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