What does CUNA represent in the realm of consumer lending?

CUNA stands for the Credit Union National Association, which is a key trade association representing credit unions in the United States. It plays a significant role in advocating for the interests of credit unions and providing them with support through training, compliance resources, and lobbying efforts.

CUNA works to promote favorable regulations for credit unions and helps them navigate the complex landscape of consumer lending regulations. The organization's efforts include educational programs and resources to help credit unions better serve their members, particularly in areas like consumer lending, where understanding regulations is crucial for compliance and operational success.

The other options do not accurately represent CUNA’s purpose or structure. They either refer to non-existent associations or misrepresent the focus on credit unions, which are cooperative financial institutions serving their members through various financial services, including loans.