Capital Reform

We need comprehensive capital reform for credit unions, such as allowing access to supplemental capital sources and making the statutory changes necessary to design a true risk-based capital system for credit unions.

View NAFCU Issue Brief on Capital Reform

Our Position

To create a true and fair risk-based capital system for credit unions, we believe legislative changes are necessary to bring about comprehensive capital reform for credit unions - such as allowing credit unions to have access to alternative capital sources, and making the legislative changes necessary to design a true risk-based capital system. Capital standards for credit unions must be modernized to reflect the realities and challenges of the 21st century financial marketplace.

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How This Impacts You

Credit unions did not engage in the risky lending practices that led to the financial crisis and have not cost taxpayers a single dime. Given the negative impact the NCUA's recently approved risk-based capital proposal could have on credit unions, it has never been more important for Congress to consider allowing credit unions access to alternative capital sources.

What NAFCU is doing

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