Nuclear exchange vector currents applicable to any finite nucleus are
calculated up to one-loop order (corresponding to next-to-next-to-lead
ing order) in chiral perturbation theory. As an illustration of the po
wer of the approach, we apply the formalism to the classic nuclear pro
cess n + p --> d + gamma at thermal energy. The exchange current corre
ction comes out to be (4.5 +/- 0.3)% in amplitude giving a predicted c
ross section sigma = (334 +/- 3)mb in excellent agreement with the exp
erimental value (334.2 +/- 0.5) mb. Together with the axial charge tra
nsitions computed previously, this result provides strong support for
the power of chiral Lagrangians in nuclear physics. Certain aspects pe
rtinent to heavy nuclei are also discussed. A by-product of our result
s is an open problem only partially addressed in the paper in the appl
ication of the chiral Lagrangian approach to nuclear processes that ha
s to do with giving a physical meaning to the short-range correlations
that play an important role in nuclei.