,,ii  #aagth ,,congress  #ast ,session  
,s4 #agfg  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,may #bj1      
#bjba,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 ,employee and ,member
 ,safety ,act of #bjba4  #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 to read as        
follows3  7a7 ,expulsion for cause  7#a7
 ,in general ,except as provided in     
subsection 7b7 of this section1 a member
 may be expelled 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 union4  7#b7 ,procedures
  7,a7 ,notification of pending         
expulsion ,if a member will1 subject to 
the policy adopted under paragraph 7#a71
 be subject to expulsion1 the member    
shall be notified in advance of the     
expulsion1 along with the reason for    
such expulsion4 ,such notice shall be   
provided in written form or1 if the     
member has elected to receive electronic
 communications from the ,federal credit
 union1 may be provided electronically4 
7,b7 ,right to a hearing  7i7 ,in       
general ,a member shall have #ae days   
from the date of receipt of a           
notification under subparagraph 7,a7 to 
request a hearing from the board of     
directors of the ,federal credit union4 
7ii7 ,expulsion if no hearing ,if a     
member does not request a hearing during
 the #ae-;day period described under    
clause 7i71 the member shall be expelled
 after the end of the #ae-;day period4  

7,c7 ,hearing2 vote on expulsion ,if a  
member requests a hearing during the    
#ae-;day period described under         
subparagraph 7,b77i7-- 7i7 the board of 
directors of the ,federal credit union  
shall provide the member with a hearing2
 and  7ii7 after such hearing1 the board
 of directors of the ,federal credit    
union shall hold a vote on expelling the
 member in a timely manner4  7,d7       
,notice of expulsion ,if a member is    
expelled under subparagraph 7,b77ii7 or 
7,c77ii71 the member shall be provided  
with written or electronic notice of the
 expulsion4  7#c7 ,reinstatement  7,a7  
,in general ,a member expelled under    
this subsection-- 7i7 shall be given an 
opportunity to request reinstatement of 
membership2 and  7ii7 may be reinstated 
by a two-thirds vote of the members of  
the ,federal credit union present at a  
meeting4  7,b7 ,rule of construction    
,nothing in this paragraph may be       
construed to require that an expelled   
member be allowed to attend the meeting 

described in subparagraph 7,a77ii7 in   
person4  7#d7 ,cause defined ,in this   
subsection1 the term cause includes--   
7,a7 a material loss to the ,federal    
credit union2  7,b7 a violation of the  
membership agreement of the ,federal    
credit union2  7,c7 a substantial       
disruption to the operations of a       
,federal credit union2 and  7,d7 fraud1 
attempted fraud1 other illegal behavior1
 or dangerous or abusive 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