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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

updated 01/17/14 12:42 PM
Insurance Fund Stability Addressed
The National Credit Union Administration (NCUA) has issued Letter to Credit Unions 14-CU-02, which addresses the exam focus for 2014 and emphasizes that the agency “will be working to ensure that credit unions identify and mitigate forward-looking risks before they threaten the viability of credit unions and the stability of the Share Insurance Fund.”

Exam Focus
The NCUA lists the following specific areas of focus for 2014:

  • Interest Rate Risk
  • Cybersecurity Threats
  • Money Services Business Accounts
  • Private Student Lending

Examiners will also assess compliance with new regulations, including:

  • Loan Participation Rule (effective Sept. 23, 2013)
  • Ability-to-Repay and Qualified Mortgage Standards (effective Jan. 10, 2014)
  • CUSO Rule (effective June 30, 2014)

For new mortgage rules, NCUA has stated that during the early stages of the new rules, it will take into account each credit union’s good-faith efforts to comply.

Exam Process
NCUA has also said it’s planning on streamlining the exam process to make it “simpler and more effective.”

This includes issuing a revised exam scope policy designed to provide examiners with more flexibility to narrow or expand the scope of an exam based on their evaluation of the credit union’s operations and risk level. The policy will define what areas of review are required, recommended, or may be considered.

The NCUA will also test targeted scopes and new procedures in small credit unions with $30 million or less in total assets that received a CAMEL composite rating of 1, 2, or 3 on their last exam.

The California and Nevada Credit Union Leagues encourage you to take the joint CUNA-Leagues Exam Survey regarding your latest exam, and then again after your 2014 NCUA and/or state regulator exam. Your confidential feedback will help CUNA and the Leagues advocate on behalf of credit unions on exam-related issues.

The letter expands on each of the above areas of exam focus and provides insight as to what NCUA examiners will be looking to evaluate. The Leagues recommend all federally insured credit unions read the letter and use it to prepare for your next NCUA examination.

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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.