If you use a debit card, you've probably heard about how the new credit/debit card rules and regulations have changed transaction fees retailers can charge banks. The Federal Reserve has capped that fee at 21 cents, instead of the previous 44 cents banks used to get. While it sounds like a win for people who swipe their debit cards, federal credit unions claim THEY'RE the biggest losers. Federal credit unions aren't necessarily like the big banks who can find another way to get that missed revenue. The president of the National Assocation of Federal Credit Unions explains what it means for the industry and people who keep their money in credit unions.