Who will argue their case for conversion to a bank? Credit union trade associations and the NCUA will be content with the status quo. Smaller credit unions, with the pressure for taxation gone, will have no incentive to defend the larger. Bank trade associations are unlikely to lobby for the right of the 1,000 to convert to a bank; it would seem self serving, and may be opposed by bankers that resent helping former credit unions. Arguing on your own behalf will be met with accusations of "Enron" like greed and the belief that the few new powers bargained for are sufficient for now.