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The Charlotte Metro Federal Credit Union, for example, also requires 2 recent pay stubs to prove your income and a completed application with personal information, employment information and references, says Nicol Matthews, the North Carolina credit union's chief operating officer.

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The meeting with Professor Ashton this week is not a disciplinary meeting but is to ensure that he is always mindful of these differences," the spokesman said.

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Chris Whalen said DB fears are "overblown" and that "we don't see any credit issues with this bank" and that "it's the statements by politicians, which are not well-considered.