(MONEY Magazine) – If you belong to a credit union, you may soon find it harder to get a mortgage there. The National Credit Union Administration, a federal regulator, is expected to issue cautionary guidelines that would inhibit such lending, since long-term fixed-rate mortgages currently make up a record 10% of credit union assets. -- Tip of the month: Football cards could be the next collectible kick, now that baseball card prices are flattening out. The National Football League and a Dallas company called Pro Set have just launched the first ''official'' NFL cards, such as the Washington Redskins' Dexter Manley at left. A 14-card set sells for 45 cents -- without bubble gum. -- What this country needs is a chief financial officer, says the American Institute of Certified Public Accountants. The C.P.A. group proposes that Presidents appoint a watchdog CFO to establish and monitor uniform accounting practices throughout the federal government. Congress, with fresh memories of the HUD and S&L scandals, is considering making the idea law. -- An ad for the Mutual Fund Hot Line phone service sounded intriguing. But upon calling the 900 number -- at a cost of $2 for the first minute and $1 any minute thereafter -- we heard a taped announcement from a Florida financial planner urging us to call him about investing in the Dreyfus Premier Ginnie Mae fund. What he didn't say is that the fund carries a sales charge of as much as 4.5%. You could buy a Ginnie Mae fund from Dreyfus yourself load-free.