We're at a point where if policymakers (regulators and Congress) don't act, you run a real risk that the wall will crumble.

But if NCUA really wants to make sure low- and moderate-income individuals are served by credit unions, it would establish meaningful criteria and a system for assessing whether the mission is being accomplished.

It's been six years in the making, but the lengthy legislative process has helped to produce a thorough, well-thought-out bill.

We are not after customers. We are after the managers of large credit unions that are trying to have it both ways -- act like a bank but at the same time continue to use the credit union tax subsidy.

Congress and the public have made it clear they expect the FDA to ensure the lowest risk feasible concerning transmission of serious infectious diseases by donated blood and blood components.

The important risk here is that this inevitable storm-surge of spending comes precisely at the moment when Congress is about to vote on important pro-growth tax initiatives.