The 2026 Governmental Affairs Conference (GAC) once again brought together the heart of the credit union movement. This year, the energy was undeniable.
From policy discussions on Capitol Hill to conversations in hallways, sessions, and even the “shadow GAC” gatherings around the Marriott, one theme stood out clearly: credit unions are aligned, engaged, and more committed than ever to their mission.
As Eric Gubka, Strategic Partnerships Manager at MDT, shared, the experience was “energizing, humbling and outright magnificent… a unifying vibe and a hopeful spirit, in spite of all the challenges the movement faces.”
A Movement Fueled by Purpose
GAC has always been more than a conference. It is a reflection of a movement. This year reinforced that in full force.
Across sessions and conversations, there was a shared sense of responsibility to advocate for the 145+ million members credit unions serve. Attendees emphasized the importance of telling the credit union story, not just to lawmakers, but to members themselves.
One message that resonated throughout the week was simple but powerful:
“If members don’t know the credit union story, how are lawmakers supposed to know?” — Scott Simpson
That focus on storytelling, mission alignment, and advocacy was present everywhere, from keynote stages to one-on-one conversations with peers and partners.
Navigating an Uncertain Regulatory Landscape
Unsurprisingly, regulation was a major topic throughout the week.
Discussions centered on regulatory uncertainty, shifting federal and state dynamics, and the potential implications of upcoming legislation. Topics like credit union tax exemption, interchange fees, and the Credit Card Competition Act were top of mind, alongside broader concerns about how evolving policies could impact operations.
One key takeaway was that consistency matters. Even amid regulatory change, maintaining strong governance, policies, and risk management practices remains critical. As Eric Gubka noted from a breakout session, institutions should “keep doing what you have been doing before all the upheaval,” recognizing that regulatory swings are often temporary.
Technology, AI, and Operational Efficiency Take Center Stage
Beyond policy, there was strong interest in how credit unions can operate more efficiently and serve members more effectively.
There was clear demand for solutions that help teams maximize the systems they already have in place, especially for recently converted institutions working to fully leverage their technology investments.
As MDT’s CEO, Chris Kowal, noted, “There was a lot of interest from clients in MDT’s project management as a service, merger assistance, core automation and utilization, and AI.”
Credit unions are not just exploring innovation. They are actively seeking partners to help them execute. There is a growing recognition that technology alone is not enough. Success comes from combining the right tools with the right strategy and expertise.
A Collaborative Ecosystem, Not Just Competition
Another notable shift this year was the increased collaboration across the ecosystem.
Vendors, consultants, and partners showed a stronger willingness to connect, learn from one another, and explore ways to work together. As Gary Lee, Chief Client Officer at MDT, described it, “It felt like a new form of speed dating where vendors and consultants are just as eager to build relationships with each other as they are with clients.”
This collaborative mindset reflects the broader credit union philosophy where shared success ultimately benefits the entire movement.
The Power of Community
If there is one thing GAC 2026 made clear, it is that the credit union community is unlike any other.
There is a unique balance of professionalism and openness, strategy and heart. Whether in formal sessions or informal gatherings, the willingness to share ideas, challenges, and solutions creates an environment where real progress happens.
That sense of unity was especially evident in the general sessions. As MDT’s VP of Fintech and Digital, Pete Major, shared, there is a “palpable sense of community that is undeniable… the collaboration, the openness, the relaxed nature of interactions are all hallmarks of credit unions.”
What It Means for MDT and Our Clients
For MDT, GAC reinforced why our work matters.
As credit unions navigate regulatory complexity, operational challenges, and rapid technological change, they need partners who can help them move forward with confidence. Whether it’s optimizing core systems, supporting mergers, or enabling innovation through automation and AI, the goal remains the same: help credit unions better serve their members.
As Pete Major put it, “We have a mission and it’s a sacred mission to help our credit unions.”
Looking Ahead
GAC 2026 was not just a reflection of where the industry is today. It was a signal of where it is headed.
A more collaborative ecosystem.
A stronger focus on storytelling and advocacy.
A growing demand for smarter, more efficient operations.
And above all, a continued commitment to the mission that defines credit unions.
At MDT, we are proud to be part of that journey, and even more excited for what comes next.