Ask AI
Bill114th CongressFiled Jun 15, 2015Finance and Financial Sector
H.R. 2769

Risk-Based Capital Study Act of 2015

Bill journey · stage 2 of 5

Under committee review

Filed
Comm.
Floor
Both
Law

What it doesSummary reported to house without amendment (Dec 12, 2016)

(This measure has not been amended since it was introduced. The summary has been expanded because action occurred on the measure.)

Risk-Based Capital Study Act of 2015

(Sec. 2) This bill directs the National Credit Union Administration (NCUA) to study the appropriate capital requirements for federal credit unions and state credit unions, including:

  • whether the NCUA has the clear legal authority to prescribe separate risk-based capital thresholds for both "adequately capitalized" and "well capitalized" credit unions;
  • a discussion of the differences between credit unions and other types of depository institutions and reasons why they should have similar or different risk-weights for their capital requirements;
  • a discussion of the rationale behind the risk-weights assigned in the proposed NCUA rule "Risk-Based Capital"; and
  • an analysis of the impact the proposed rule would have upon excess capital above the minimum level for a credit union to be "well capitalized" (a credit union's "capital cushion"), including the potential impact upon credit union lending and credit union examinations.

A credit union may not be required to provide information regarding the capital standards sought in the NCUA study, but may provide it voluntarily.

(Sec. 3) The NCUA may not issue or implement any final rule or regulation governing risk-based capital (including the proposed rule) earlier than 120 days after it reports to Congress on the study.

What just happenedDec 12, 2016

Placed on the Union Calendar, Calendar No. 679.

Who’s behind it

Rep. Fincher, Stephen Lee [R-TN-8](R-TN)Sponsor
16 cosponsors4 D12 R
Read on Congress.gov
16cosponsors1committees9actions5subjects
  1. Dec 12, 2016CalendarsH12410

    Placed on the Union Calendar, Calendar No. 679.

  2. Dec 12, 2016CommitteeH12200

    Reported by the Committee on Financial Services. H. Rept. 114-869.

    Financial Services Committee
  3. Dec 12, 2016Committee5000

    Reported by the Committee on Financial Services. H. Rept. 114-869.

    Financial Services Committee
  4. Sep 30, 2015Committee

    Ordered to be Reported by the Yeas and Nays: 50 - 9.

    Financial Services Committee
  5. Sep 30, 2015Committee

    Committee Consideration and Mark-up Session Held.

    Financial Services Committee
  6. Jun 15, 2015IntroReferralH11100

    Referred to the House Committee on Financial Services.

    Financial Services Committee
  7. Jun 15, 2015IntroReferralB00100

    Sponsor introductory remarks on measure. (CR E894)

  8. Jun 15, 2015IntroReferralIntro-H

    Introduced in House

  9. Jun 15, 2015IntroReferral1000

    Introduced in House

Reported to House without amendmentDec 12, 201679

(This measure has not been amended since it was introduced. The summary has been expanded because action occurred on the measure.)

Risk-Based Capital Study Act of 2015

(Sec. 2) This bill directs the National Credit Union Administration (NCUA) to study the appropriate capital requirements for federal credit unions and state credit unions, including:

  • whether the NCUA has the clear legal authority to prescribe separate risk-based capital thresholds for both "adequately capitalized" and "well capitalized" credit unions;
  • a discussion of the differences between credit unions and other types of depository institutions and reasons why they should have similar or different risk-weights for their capital requirements;
  • a discussion of the rationale behind the risk-weights assigned in the proposed NCUA rule "Risk-Based Capital"; and
  • an analysis of the impact the proposed rule would have upon excess capital above the minimum level for a credit union to be "well capitalized" (a credit union's "capital cushion"), including the potential impact upon credit union lending and credit union examinations.

A credit union may not be required to provide information regarding the capital standards sought in the NCUA study, but may provide it voluntarily.

(Sec. 3) The NCUA may not issue or implement any final rule or regulation governing risk-based capital (including the proposed rule) earlier than 120 days after it reports to Congress on the study.

Introduced in HouseJun 15, 2015

Risk-Based Capital Study Act of 2015

This bill directs the National Credit Union Administration (NCUA) to study the appropriate capital requirements for federal credit unions and state credit unions, including:

  • whether the NCUA has the clear legal authority to prescribe separate risk-based capital thresholds for both "adequately capitalized" and "well capitalized" credit unions;
  • a discussion of the differences between credit unions and other types of depository institutions and reasons why they should have similar or different risk-weights for their capital requirements;
  • a discussion of the rationale behind the risk-weights assigned in the proposed NCUA rule "Risk-Based Capital"; and
  • an analysis of the impact the proposed rule would have upon excess capital above the minimum level for a credit union to be "well capitalized" (a credit union's "capital cushion"), including the potential impact upon credit union lending and credit union examinations.

A credit union may not be required to provide information regarding the capital standards sought in the NCUA study, but may provide it voluntarily.

The NCUA may not issue or implement any final rule or regulation governing risk-based capital (including the proposed rule) earlier than 120 days after it reports to Congress on the study.

Risk-Based Capital Study Act of 2015 — Informed