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Legislative Advocacy

Your Credit Union, Your Voice, Your Impact
The Leagues' Government Affairs team works diligently in Sacramento, Carson City, and Washington, D.C. We promote credit unions' legislative agenda, review hundreds of bills each year, and provide credit union leaders with opportunities to meet with legislators. Please take part in these essential advocacy efforts. (Continue to meet the staff...)
Federal Government Affairs

California and Nevada's voice in Washington D.C. The Leagues are the only Leagues with a full time staff dedicated to working with Congress, Government Agencies, and Federal Regulators. The resources in this area will help you keep informed of the latest developments and credit union priorities.

State Advocacy

State Government Advocacy efforts brings the voice of credit unions to Sacramento and Carson City. Our advocacy team works daily with elected officials, staff, the executive offices, gubernatorial appointees, and the decision-makers of California and Nevada. This area will keep you updated on all advocacy efforts at the state level of Government.

From the Editors of CU Weekly

Richard Cordray, Director of the Consumer Financial Protection Bureau (CFPB)
updated 07/08/13 02:00 PM
Four Items in Pre-Rule Stage
The Consumer Financial Protection Bureau (CFPB) posted an update to its semi-annual rulemaking agenda, which is published as part of the Unified Agenda of federal regulatory and deregulatory actions across the federal government. The agenda provides insight into what can be expected from the agency.

So what’s coming? The CFPB lists four items in the "pre-rule" stage:

Home Mortgage Disclosure Act (HMDA)
The CFPB has said it's working to complete a rule to integrate and streamline federal mortgage disclosures.

It expects to issue the final rule this fall, but would not expect any implementation work to begin until after the January 2014 effective date for the earlier mortgage rules.

Annual Privacy Notices
Pending needed legislative action, the CFPB is expecting to issue a proposal eliminating the annual privacy notices for financial institutions that limit the sharing of information with third-parties and where there has been no change in policies.

Payday Loans and Deposit Advance Products
The CFPB recently issued a white paper on payday loans and deposit advance products.

Within the report, the CFPB says it intends to continue its inquiry into these products as "the data gathered to date are persuasive that further attention is warranted to protect consumers."

Debt Collection Rules
The CFPB says it is "beginning to consider whether regulations may be appropriate to address concerns raised about debt collection." This is in response to consumer complaints about debt collection to the agency.

Also, included in the "proposed rule" stage, the CFPB expects to issue a proposed rule regarding prepaid cards.

Use PowerComment—YOUR Regulatory Advocacy Tool
The California and Nevada Credit Union Leagues continue to monitor proposed rules, advocate on your behalf, and encourage you to comment and become engaged in the rulemaking process. Visit PowerComment today for a list of current proposals open for comment.

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Grassroots Advocacy
Grassroots Advocacy efforts connects you to your government. Whether issues arise at the Federal or State level, you can be an advocate for your credit union by participating in our programs. Using traditional Grassroots tactics, the Leagues connects you to our cause.
PAC Programs

Political Action Committees are organized for the purpose of raising and spending money to elect and defeat candidates, representing business, labor or ideological interests.

Talking Points
If your credit union would like talking points for an issue, such as member business lending (MBL) or supplemental capital, the Leagues' Consumer Advocacy Department can develop one to suit your particular needs. Please contact Public Affairs and Consumer Advocacy Specialist Tina Ramos-Ingold at tinar@ccul.org, or by phone at 909-212-6050.