The U.S. Government Accountability Office (GAO) has taken an early look at the impact of the Dodd-Frank Act on credit unions and community banks.

This investigative arm of the U.S. Congress has found suggestions of “moderate to minimal initial reductions in the availability of credit” among those responding to various surveys on the subject.

CUNA has consistently warned of the serious costs to credit unions and consumers represented by the burden of rules that sprang from the 2,300-page Dodd-Frank Wall Street Reform and Consumer Protection Act.

CUNA has delivered that message as testimony in congressional hearings, letters to and meetings with members of Congress, and meetings with and letters to government agency officials and their staffs–both before and since the act was signed into law in 2010.

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