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HR 4167
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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.

Introduced Jun 26, 2025

Latest action (Jun 26, 2025) Referred to the House Committee on Financial Services.

Referred to
Financial Services Committee
Policy area
Finance and Financial Sector
Issues
Economy & Taxes

Summary
  • Increases the maximum loan maturity for Federal credit unions from 15 years to 20 years, or longer if the NCUA Board allows by regulation.
  • Gives the National Credit Union Administration Board flexibility to set loan maturity limits through regulatory authority.
  • Expresses Congress's expectation that the NCUA prioritize safety and soundness in 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

Money behind the sponsor

Top reported contributors to Scott Fitzgerald’s campaign committee (2024 cycle) — who funds the bill’s sponsor, not a claim about this bill. Data from FEC.

  • TRIBE $11,600
  • BLACKSTONE $10,900
  • HSA INC $10,000
  • CUNA $6,600
  • EDWARD C. LEVY CO $6,600

Organizations whose employees gave the most — itemized individual contributions grouped by the donor’s reported employer (FEC Schedule A). Full finance for Scott Fitzgerald → · Outside spending →

Actions (2)
  1. Jun 26, 2025 Referred to the House Committee on Financial Services. · house
  2. 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.

  • S 3616 — Expanding Access to Lending Options Act · Introduced Jan 13, 2026 · Cong. 119 79%
  • HR 987 — Fair Access to Banking Act · Introduced Feb 5, 2025 · Cong. 119 70%
  • HR 4870 — Financial Services Act of 1998 · Introduced Nov 6, 1998 · Cong. 105 70%
  • HR 7647 — MORE Opportunities for Homeownership Act · Introduced Feb 23, 2026 · Cong. 119 68%
  • HR 1791 — Increasing Credit Union Lending for Business Growth Act · Introduced Mar 3, 2025 · Cong. 119 68%
  • HR 53 — Responsible Borrower Protection Act of 2025 · Introduced Jan 3, 2025 · Cong. 119 67%

Text versions (1)
  • Introduced in House · Jun 26, 2025

Only one text version is on file, so there’s no earlier version to compare against yet.

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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