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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 04/27/14 04:48 PM
Basel III Comparison for CUs
The National Credit Union Administration’s (NCUA) proposed risk-based capital rule is the most significant regulatory issue facing credit unions today.

Top concerns include:

  • Individual minimum capital requirement
  • Risk-weights are poorly calibrated and more stringent than Basel III
  • Inadequate implementation period of 18 months

The proposed risk-based capital system for credit unions is more onerous and restrictive than Basel III is for community banks.

Under NCUA’s proposal, many California and Nevada credit unions may maintain their well-capitalized classification, but they may see a significant decrease in their buffer to being “well capitalized.”

For federally insured credit unions in California and Nevada to maintain their current buffer under NCUA’s proposed risk-based capital system, an additional $713.3 million in capital is needed—whereas under the Basel III system, the deficit is $187 million. NCUA’s proposed rule would result in increased capital requirements for federally insured credit unions in California and Nevada that is four times as much as would be required under Basel III.

Under the Basel III system, 62 percent of all federally insured credit unions in California and Nevada would have a higher capital ratio and maintain their existing—or have a greater capital buffer—to being “well capitalized.” For federally insured credit unions with assets greater than $40 million, that number changes to 69 percent (71 percent for California federally insured credit unions and 39 percent for those in Nevada).

The California and Nevada Credit Union Leagues set a goal of 150 comment letters from California and Nevada credit unions. Your voice can make a difference and help formulate a better, more sensible risk-based capital rule. If you have not already done so, the Leagues encourage you to submit a comment letter to the NCUA on this important issue by the May 28 deadline.

Visit PowerComment today for additional resources and to submit your comment letter. When using PowerComment, the Leagues and Credit Union National Association (CUNA) are automatically copied on your letter.

In addition to submitting a comment letter, be sure to register and attend the NCUA Listening Session on June 26 in Los Angeles. Although the comment deadline will have passed, the NCUA has indicated they will also listen to and consider comments made at the scheduled Listening Sessions.

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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.