,,ii  #aafth ,,congress  #b;d ,session  
,s4 #ccbc  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,february #bd1 
#bjbj,ms4 ,smith 7for herself and ,mr4  
,sasse7 introduced the following bill2  
which was read twice and referred to the
 ,committee on ,banking1 ,housing1 and  
,urban ,affairs  ,a ,,bill  ,to amend   
the ,federal ,credit ,union ,act to     
modernize certain processes regarding   
expulsion of credit union members for   
cause1 and for other purposes4  #a4     
,short title ,this ,act may be cited as 
the ,credit ,union ,governance          
,modernization ,act of #bjbj4  #b4      
,expulsion of ,federal credit union     
members for cause ,section #aah7;a7 of  
the ,federal ,credit ,union ,act 7#ab   
,u4,s4,c4 #agfd7;a77 is amended-- 7#a7  
by striking ,except and inserting 7#a7  
,except2  7#b7 by striking by a         
two-thirds vote of the members of a     
,federal credit union present at a      
special meeting called for the purpose1 
but only after opportunity has been     

given him to be heard and inserting for 
cause pursuant to a policy adopted by a 
majority vote of a quorum of the        
directors of the ,federal credit union  
and provided in written or electronic   
form to all members of the ,federal     
credit union2 and  7#c7 by adding at the
 end the following3  7#b7 7,a7 ,any     
member expelled pursuant to this        
paragraph shall-- 7i7 be provided with  
written or electronic notice of the     
reason for the expulsion2 and  7ii7 be  
given an opportunity to request         
reinstatement of membership and have the
 request considered at a meeting of the 
board of directors1 in a timely manner  
after the expulsion4  7,b7 ,nothing in  
this paragraph may be construed to      
require a board of directors to allow an
 expelled member to address the board in
 person or attend the meeting described 
in subparagraph 7,a77ii7 in person4     
7#c7 ,in this subsection1 the term cause
 includes-- 7,a7 a loss to the ,federal 
credit union2  7,b7 a violation of the  

membership agreement of the ,federal    
credit union2  7,c7 a disruption to the 
operations of a ,federal credit union2  
and  7,d7 fraud1 attempted fraud1 other 
illegal behavior or inappropriate       
behavior1 as defined by the policy      
described in paragraph 7#a71 such as    
physical or verbal abuse of ,federal    
credit union members or staff4  4