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Expanding Access to Lending Options Act
To provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes.
Summary
The bill amends the Federal Credit Union Act to allow the National Credit Union Administration Board to increase the maximum loan maturity for federal credit unions from 15 years to 20 years, or longer if permitted by regulation. This change would give federal credit unions greater flexibility in offering loans to their members with extended repayment periods. The bill emphasizes that the NCUA should maintain safety and soundness as a cornerstone of its oversight of federally chartered credit unions.
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)
43 cosponsors
- Rep. Barragán, Nanette Diaz [D-CA-44] (D-CA)
- Rep. Bera, Ami [D-CA-6] (D-CA)
- Rep. Carbajal, Salud O. [D-CA-24] (D-CA)
- Rep. Ciscomani, Juan [R-AZ-6] (R-AZ)
- Rep. Conaway, Herbert C. [D-NJ-3] (D-NJ)
- Rep. Correa, J. Luis [D-CA-46] (D-CA)
- Rep. Davidson, Warren [R-OH-8] (R-OH)
- Rep. Davis, Donald G. [D-NC-1] (D-NC)
- Rep. Edwards, Chuck [R-NC-11] (R-NC)
- Rep. Ezell, Mike [R-MS-4] (R-MS)
- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA)
- Rep. Foushee, Valerie P. [D-NC-4] (D-NC)
- Rep. Garbarino, Andrew R. [R-NY-2] (R-NY)
- Rep. Harder, Josh [D-CA-9] (D-CA)
- Rep. Harrigan, Pat [R-NC-10] (R-NC)
- Rep. Keating, William R. [D-MA-9] (D-MA)
- Rep. Kim, Young [R-CA-40] (R-CA)
- Rep. Latimer, George [D-NY-16] (D-NY)
- Rep. Lawler, Michael [R-NY-17] (R-NY)
- Rep. Mackenzie, Ryan [R-PA-7] (R-PA)
- Rep. McBride, Sarah [D-DE-At Large] (D-DE)
- Rep. McClellan, Jennifer L. [D-VA-4] (D-VA)
- Rep. McDowell, Addison P. [R-NC-6] (R-NC)
- Rep. McGovern, James P. [D-MA-2] (D-MA)
- Rep. Meeks, Gregory W. [D-NY-5] (D-NY)
- Rep. Meuser, Daniel [R-PA-9] (R-PA)
- Rep. Neal, Richard E. [D-MA-1] (D-MA)
- Rep. Nunn, Zachary [R-IA-3] (R-IA)
- Rep. Panetta, Jimmy [D-CA-19] (D-CA)
- Rep. Rutherford, John H. [R-FL-5] (R-FL)
- Rep. Salazar, Maria Elvira [R-FL-27] (R-FL)
- Rep. Sherman, Brad [D-CA-32] (D-CA)
- Rep. Soto, Darren [D-FL-9] (D-FL)
- Rep. Stutzman, Marlin A. [R-IN-3] (R-IN)
- Rep. Timmons, William R. [R-SC-4] (R-SC)
- Rep. Torres, Ritchie [D-NY-15] (D-NY)
- Rep. Trahan, Lori [D-MA-3] (D-MA)
- Rep. Vargas, Juan [D-CA-52] (D-CA)
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA)
- Rep. Walkinshaw, James R. [D-VA-11] (D-VA)
- Rep. Whitesides, George [D-CA-27] (D-CA)
- Rep. Williams, Roger [R-TX-25] (R-TX)
- Rep. Yakym, Rudy [R-IN-2] (R-IN)
Actions (2)
- Jun 26, 2025 Referred to the House Committee on Financial Services. · house
- Jun 26, 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
June 26, 2025
Mr. Fitzgerald (for himself, Mr. Sherman, Mr. Meuser, Mrs. Kim, Mr. Vargas, Mr. Timmons, and Mr. Fitzpatrick) introduced the following bill; which was referred to the Committee on Financial Services
A BILL
To provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, 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 “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 (12 U.S.C. 1757(5)) is amended—
(1) in the matter preceding subparagraph (A), by striking “15 years” and inserting “20 years (or longer, as the Board may allow by regulation)”; and
(2) in subparagraph (A)(i), by striking “or will be the principal residence of a credit union member, and which is”. <all>
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