Carrie HuntFrom the NCUA’s release of its first introduced risk-based capital proposal in January 2014 up through this year’s revised version, NAFCU’s core position hasn’t wavered: The credit union industry does not need this rule, and the NCUA must withdraw it immediately.

The first proposal was fundamentally flawed. The second, while addressing some credit union concerns, still is unnecessary and will only impose more regulatory burden on an already extremely well-capitalized industry. Contrary to NCUA’s stated intent, this risk-based capital proposal will imperil credit unions in the future by forcing them to park more capital on their balance sheets rather than allowing them to grow and lend within their communities.

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