Member Business Loan Expansion Act
Official title: To amend the Federal Credit Union Act to provide more loan flexibility to credit unions, to amend the Federal Home Loan Bank Act to expand homeownership access, and for other purposes.
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Referred to the House Committee on Financial Services.
Member Business Loan Expansion Act
This bill revises requirements related to the terms and lending limits of certain credit union loans.
Specifically, the bill (1) allows the National Credit Union Administration Board to lengthen the maturity term of certain loans made by a credit union, and (2) raises the credit limit for credit union member businesses under which such loans are excluded from overall credit union lending limits.
Finally, the bill expands the definition of a community financial institution by (1) allowing insured credit unions to qualify, and (2) raising the average asset limit. (Community financial institutions are subject to reduced asset requirements for purposes of Federal Home Loan Bank membership.)
- Introduced in House Formatted Text PDF Formatted XML
Cite this page
U.S. Congress. (2026). H.R. 4868: Member Business Loan Expansion Act. 118th Congress. Open America. https://openamerica.io/bill/118-HR-4868/
"H.R. 4868: Member Business Loan Expansion Act." 118th Congress, 2026, Open America, https://openamerica.io/bill/118-HR-4868/.
H.R. 4868, 118th Cong. (2026), https://openamerica.io/bill/118-HR-4868/.
[H.R. 4868: Member Business Loan Expansion Act](https://openamerica.io/bill/118-HR-4868/)