H.R. 4464 – Common Sense Credit Union Capital Relief Act of 2017

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Updated April 15, 2026 at 7:24 PM UTC

The Common Sense Credit Union Capital Relief Act of 2017 would eliminate the National Credit Union Administration’s “Risk‑Based Capital” rule. By removing this regulation, the bill aims to change how credit unions are required to calculate and maintain capital levels, affecting all federally insured credit unions and the NCUA’s oversight processes.

Key Provisions

Repeals the NCUA’s Risk‑Based Capital rule, rendering it ineffective and treating any regulations that were revised under that rule as if the rule never existed.

Legislative Activity

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6 earlier actions

HouseCalendars Latest Action

Placed on the Union Calendar, Calendar No. 496.

April 24, 2018

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HouseIntro Referral

Introduced in House

November 28, 2017

HouseIntro Referral

Referred to the House Committee on Financial Services.

Financial Services Committee

November 28, 2017

HouseCommittee

Committee Consideration and Mark-up Session Held.

Financial Services Committee

December 12, 2017

HouseCommittee

Committee Consideration and Mark-up Session Held.

Financial Services Committee

December 13, 2017

HouseCommittee

Ordered to be Reported by the Yeas and Nays: 33 - 25.

Financial Services Committee

December 13, 2017

HouseCommittee

Reported by the Committee on Financial Services. H. Rept. 115-647.

Financial Services Committee

April 24, 2018

HouseCalendars

Placed on the Union Calendar, Calendar No. 496.

April 24, 2018

Bill Text

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Reported in HouseIssued April 24, 2018

IB

Union Calendar No. 496

115th CONGRESS

2d Session

H. R. 4464

[Report No. 115–647]

IN THE HOUSE OF REPRESENTATIVES

November 28, 2017

Mr. Posey introduced the following bill; which was referred to the Committee on Financial Services

April 24, 2018

Committed to the Committee of the Whole House on the State of the Union and ordered to be printed

A BILL

To repeal the rule issued by the National Credit Union Administration titled Risk-Based Capital.

1.

Short title

This Act may be cited as the Common Sense Credit Union Capital Relief Act of 2017.

2.

Repeal

The rule issued by the National Credit Union Administration titled Risk-Based Capital (published at 80 Fed. Reg. 66626 (October 29, 2015)) shall have no force or effect, and any regulation revised by that rule shall be applied as if that rule had not been issued.

April 24, 2018

Committed to the Committee of the Whole House on the State of the Union and ordered to be printed