,i  #aaeth ,,congress  #ast ,session    
,h4 ,r4 #cgcf  ,,in ,,the ,,house ,,of  
,,representatives  ,september #aa1      
#bjag,mr4 ,posey 7for himself and ,mr4  
,heck7 introduced the following bill2   
which was referred to the ,committee on 
,financial ,services  ,a ,,bill  ,to    
require the ,national ,credit ,union    
,administration to conduct a study of   
the appropriate capital requirements for
 credit unions1 and for other purposes4 
#a4 ,short title ,this ,act may be cited
 as the ,risk-,based ,capital ,study    
,act of #bjag4  #b4 ,,ncua ,study  7a7  
,in general ,the ,national ,credit      
,union ,administration shall conduct a  
study of the appropriate capital        
requirements for ,federal credit unions 
and ,state credit unions 7as such terms 
are defined1 respectively1 under section
 #aja of the ,federal ,credit ,union    
,act 7#ab ,u4,s4,c4 #ageb7 7hereinafter 
referred to as credit unions774  7b7    
,issues ,to be studied ,the study       
required under subsection 7a7 shall     

include-- 7#a7 an analysis of whether or
 not the ,national ,credit ,union       
,administration has the clear legal     
authority to prescribe separate         
risk-based capital thresholds for both  
adequately capitalized and well         
capitalized credit unions2  7#b7 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          
requirements2  7#c7 a discussion of the 
rationale behind the risk-weights       
assigned in the final rule of the       
,national ,credit ,union ,administration
 titled ,risk-,based ,capital 7#hj ,fed4
 ,reg4 #fffbf2 ,october #bi1 #bjae72 and
  7#d7 an analysis of the impact the    
final rule described in paragraph 7#c7  
would have on excess capital above the  
minimum level for a credit union to be  
well capitalized 7a credit union's      
capital cushion7 including the impact it
 could have on credit union lending and 

credit union examinations4  7c7         
,voluntary participation ,any credit    
union may voluntarily provide           
information for the study required under
 subsection 7a7 upon the request of the 
,national ,credit ,union                
,administration1 but may not be required
 to provide such information4  7d7      
,report to ,congress ,not later than    
#bgj days after the date of the         
enactment of this ,act1 the ,national   
,credit ,union ,administration shall    
issue a report to the ,committee on     
,banking1 ,housing1 and ,urban ,affairs 
of the ,senate and the ,committee on    
,financial ,services of the ,house of   
,representatives containing--  7#a7 all 
findings and determinations made in     
carrying out the study required under   
subsection 7a72 and  7#b7 any           
legislative recommendations of the      
,national ,credit ,union ,administration
 to improve the capital system for      
credit unions or establish a risk-based 
capital system for credit unions4  #c4  

,delay of rulemaking ,notwithstanding   
any other provision of law1 the         
,national ,credit ,union ,administration
 may not issue or implement any final   
rule or regulation with respect to      
risk-based capital for credit unions1   
including the final rule described under
 section #b7;b77#c71 before the end of  
the #abj-;day period beginning on the   
date the ,national ,credit ,union       
,administration issues the report       
required under section #b7;d74