Regulatory Relief


NAFCU was the first trade association to call on Congress to provide comprehensive broad-based regulatory relief for credit unions. We remain committed to reducing regulatory burdens on credit unions in order to significantly enhance their ability to create jobs, help consumers, and boost our nation’s economy. 

Issue Briefs

Learn more about NAFCU’s advocacy on key credit union issues:

Top Credit Union Asks

NAFCU's highest advocacy priorities for legislation in Congress.

Read One-Pager


NAFCU is urging Congress to reject the Credit Card Competition Act of 2022, legislation that would extend the Durbin Amendment's debit card routing requirements to credit cards.

Read Interchange Issue Brief

Read One-Pager

NCUA Third-Party Vendor Authority

NAFCU believes that cybersecurity, including the security of vendors that credit unions do business with, is an important issue. However, we are opposed to granting additional authority to the NCUA to examine third parties at this time.

Read Vendor Authority Issue Brief

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Data Privacy

NAFCU is advocating for comprehensive federal data privacy legislation that preempts the emerging patchwork of state laws and fully respects existing requirements for credit unions under the Gramm-Leach-Bliley Act.

Read Data Privacy Issue Brief

Read One-Pager

Federal Credit Union Act Modernization

NAFCU has advocated for the modernization of several Federal Credit Union Act provisions that unnecessarily impede credit unions’ ability to compete in today’s environment, including on credit union governance, the member business lending cap, and loan maturity limits.

Read FCU Act Modernization Issue Brief

Read Loan Maturity One-Pager

Underserved Areas and Banking Deserts

In order for credit unions to best serve Main Street America, the federal credit union charter must have modern field of membership (FOM) requirements that allow credit unions to meet the needs of populations in underserved areas and banking deserts.

Read Underserved Areas Issue Brief

Credit Union-Bank Mergers

Despite recent efforts by banking trade groups to attack credit unions and draw attention to the issue, mergers between credit unions and community banks are not new and have occurred over the last decade as the rate of financial institution consolidation has increased

Read One-Pager

Read Fact Sheet

CFPB Issues

NAFCU is focused on reducing regulatory burden on credit unions and fighting for a level playing field so fintechs do not have an unfair advantage.

Read NAFCU's CFPB Priorities

Read CFPB Recent Activity Issue Brief


NAFCU is committed to ensuring that CDFIs are able to successfully operate in the underbanked communities that are typically low-income and minority populations.

Read CDFI Issue Brief


Through the Dodd-Frank Act, Congress granted the Consumer Financial Protection Bureau (CFPB) the ability to define “unfair, deceptive, or abusive acts or practices” (UDAAP) in any transaction with a consumer for a consumer financial product or service. NAFCU's issue brief will help credit unions understand the regulatory landscape and enforcement expectations under the Bureau's UDAAP authority.

Read UDAAP Issue Brief