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The NCUA’s low-income designation program offers a number of regulatory benefits for eligible credit unions and the members they serve, including the authority to obtain supplemental capital. As the number of low-income designated credit unions (LICUs) has grown and the NCUA’s Final Rule on Subordinated Debt has taken effect expanding issuer eligibility, there is more opportunity than ever before for the industry to realize the potential benefits of the subordinated debt market.

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