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Increasing Credit Union Lending for Business Growth Act
To amend the Federal Credit Union Act to provide more loan flexibility to credit unions, to amend the Federal Home Loan Bank Act to expand homeownership access, and for other purposes.
Summary
This act amends the Federal Credit Union Act to increase lending flexibility for credit unions, including raising the small business loan limit from $50,000 to $100,000. The act also amends the Federal Home Loan Bank Act to expand access to homeownership. Together, these changes are intended to increase credit union lending to small businesses and expand homeownership opportunities.
AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.
Sponsor (1)
2 cosponsors
Money behind the sponsor
Top reported contributors to Vicente Gonzalez’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.
- NULL $61,275
- APOLLO GLOBAL MANAGEMENT $12,800
- SELECT DEDICATED SOLUTIONS $9,900
- AMSCOT FINANCIAL $9,100
- GARCIA HAMILTON AND ASSOCIATES $7,600
Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Vicente Gonzalez → · Outside spending →
Actions (2)
- Mar 3, 2025 Referred to the House Committee on Financial Services. · house
- Mar 3, 2025 Introduced in House
Similar bills (6)
Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.
Text versions (1)
Bills are re-published as they move (Introduced → Reported → Engrossed → Enrolled …). Each stage below is a separate text; pick two to see what changed. Data from Congress.gov.
Full text
IN THE HOUSE OF REPRESENTATIVES
March 3, 2025
Mr. Vicente Gonzalez of Texas (for himself and Mr. Fitzpatrick) introduced the following bill; which was referred to the Committee on Financial Services
A BILL
To amend the Federal Credit Union Act to provide more loan flexibility to credit unions, to amend the Federal Home Loan Bank Act to expand homeownership access, and for other purposes.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. SHORT TITLE.
This Act may be cited as the “Increasing Credit Union Lending for Business Growth Act”.
SEC. 2. EXPANDING CREDIT TO SMALL BUSINESSES.
Section 107A(c)(1)(B)(iii) of the Federal Credit Union Act (12 U.S.C. 1757a(c)(1)(B)(iii)) is amended by striking “$50,000” and inserting “$100,000”. <all>
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