New federal regulations on banks are filtering down into the business models of banks throughout the country- and feeding some customers into local credit unions. Kyle Frick with Mid Oregon Credit Union says they seem to be seeing more customers coming in because of changes in fee structures. He says the regulations from the government are having a big impact on how banks operate."So we're starting to see different business models starting to emerge and fees are part of that. The way that different banks and financial institutions are approaching, how do we make money in this type of environment? They have to try and figure out how to earn income and so they are imposing different types of fees and things." The regulations have cut the amount of money banks have typically raised through fees and debit card use, another problem facing some banks is that fewer people are borrowing money and fewer people are qualified to get a loan. Frick says at the Credit Union they are also seeing fewer borrowers and more people aggressively paying down their debt.