Every sector has problems, issues, and challenges.
It varies from one sector to the next. For instance, I can't say that credit unions have more trouble following the rules simply because we detected a problem at one credit union after conducting an examination. It happens in the banking and real estate sector as well. I can't really say that one sector is more problematic than the rest. However, certain reporting entities in some sectors may have a harder time than others, and that's why our examinations focus on reporting entities and not whole sectors; sectors are not uniform.