NCUA Board Chairman Debbie Matz would prefer to finalize both the stress testing and home-based credit union rules with three votes.

But she'll move forward with only two votes if necessary.

The NCUA board has only three members and due to expiring terms, there are often only two board seats filled. Therefore, NCUA chairmen are sometimes faced with a choice: Get support from all board members before bringing a rule to a vote, or accept a dissenting no vote and possibly public fireworks at monthly board meetings.

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