,i  #aae? ,,congress  #a/ ,session  ,h4 
,r4 #cgcf  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,septemb] #aa1        
#bjag,mr4 ,posey 7= himself & ,mr4      
,heck7 introduc$ ! foll[+ bill2 :i* 0   
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to require !      
,national ,cr$it ,union ,adm9i/ration to
 conduct a /udy ( ! appropriate capital 
requirem5ts = cr$it unions1 & = o!r     
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,risk-,bas$ ,capital ,/udy 
,act ( #bjag4  #b4 ,,ncua ,/udy  7a7 ,9 
g5]al ,! ,national ,cr$it ,union        
,adm9i/ration %all conduct a /udy ( !   
appropriate capital requirem5ts = ,f$]al
 cr$it unions & ,/ate cr$it unions 7z   
su* t]ms are def9$1 respectively1 "u    
section #aja ( ! ,f$]al ,cr$it ,union   
,act 7#ab ,u4,s4,c4 #ageb7 7h]e9aft]    
ref]r$ to z cr$it unions774  7b7 ,issues
 ,to be /udi$ ,! /udy requir$ "u        
subsection 7a7 %all include-- 7#a7 an   
analysis ( :e!r or n ! ,national ,cr$it 
,union ,adm9i/ration has ! cle> legal   

au?ority to prescribe sep>ate risk-bas$ 
capital ?re%olds = bo? adequately       
capitaliz$ & well capitaliz$ cr$it      
unions2  7#b7 a discussion ( ! diff]5ces
 betwe5 cr$it unions & o!r types (      
depository in/itutions & reasons :y !y  
%\ld h simil> or diff]5t risk-weights = 
_! capital requirem5ts2  7#c7 a         
discussion ( ! rationale beh9d !        
risk-weights assign$ 9 ! f9al rule ( !  
,national ,cr$it ,union ,adm9i/ration   
titl$ ,risk-,bas$ ,capital 7#hj ,f$4    
,reg4 #fffbf2 ,octob] #bi1 #bjae72 &    
7#d7 an analysis ( ! impact ! f9al rule 
describ$ 9 p>agraph 7#c7 w\ld h on      
excess capital above ! m9imum level = a 
cr$it union to be well capitaliz$ 7a    
cr$it union's capital cu%ion7 includ+ ! 
impact x c\ld h on cr$it union l5d+ &   
cr$it union exam9ations4  7c7 ,volunt>y 
p>ticipation ,any cr$it union may       
volunt>ily provide in=mation = ! /udy   
requir$ "u subsection 7a7 ^u ! reque/ ( 
! ,national ,cr$it ,union ,adm9i/ration1
 b may n be requir$ to provide su*      

in=mation4  7d7 ,report to ,congress ,n 
lat] ?an #bgj days aft] ! date ( !      
enactm5t ( ?is ,act1 ! ,national ,cr$it 
,union ,adm9i/ration %all issue a report
 to ! ,committee on ,bank+1 ,h\s+1 &    
,urban ,affairs ( ! ,s5ate & !          
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives conta9+--  7#a7 
all f9d+s & det]m9ations made 9 c>ry+   
out ! /udy requir$ "u subsection 7a72 & 
7#b7 any legislative recomm5dations ( ! 
,national ,cr$it ,union ,adm9i/ration to
 improve ! capital sy/em = cr$it unions 
or e/abli% a risk-bas$ capital sy/em =  
cr$it unions4  #c4 ,delay ( rulemak+    
,not)/&+ any o!r provision ( law1 !     
,national ,cr$it ,union ,adm9i/ration   
may n issue or implem5t any f9al rule or
 regulation ) respect to risk-bas$      
capital = cr$it unions1 includ+ ! f9al  
rule describ$ "u section #b7;b77#c71    
be=e ! end ( ! #abj-;day p]iod beg9n+ on
 ! date ! ,national ,cr$it ,union       
,adm9i/ration issues ! report requir$ "u
 section #b7;d74