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The  introduction  of the “Credit Union Risk-Based Capital Study Act of 2015″ by Reps. Stephen Fincher (R-Tenn.), Bill Posey (R-Fla.), and Denny Heck (D-Wash.), is a vital and important step for credit unions in the industry’s effort to stop the NCUA’s ill-advised and unneeded risk-based capital regime. The proposed bipartisan legislation seeks to compel the NCUA to finally quantify the necessity, legality and impact of the agency’s proposal. Further, it would require the NCUA to report and justify its reasoning to Congress. NAFCU views this legislation as crucial because a change as significant as imposing a risk-based capital regime on the industry deserves maximum scrutiny from both the agency and Congress before any final rulemaking. 

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