H.R. 4167

119th CONGRESS 1st Session

To provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes.

IN THE HOUSE OF REPRESENTATIVES · June 26, 2025 · Sponsor: Mr. Fitzgerald · Committee: Committee on Financial Services

Table of contents

• H.R. 4167
  • SEC. 1. Short title
  • SEC. 2. Sense of Congress
  • SEC. 3. Powers of Federal credit unions

SEC. 1. Short title

• This Act may be cited as the Expanding Access to Lending Options Act.

SEC. 2. Sense of Congress

• It is the sense of Congress that as the prudential regulator of the federally chartered credit unions of the United States, it is of paramount importance that the NCUA place safety and soundness as a cornerstone of its oversight of these credit unions.

SEC. 3. Powers of Federal credit unions

• Section 107(5) of the Federal Credit Union Act () is amended— 12 U.S.C. 1757(5)
  • in the matter preceding subparagraph (A), by striking 15 yearsand inserting 20 years (or longer, as the Board may allow by regulation); and
  • in subparagraph (A)(i), by striking .