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Raising The Credit Union Lending Cap Would Benefit Small Businesses
National Association of Federally-Insured Credit Unions (NAFCU), the trade association representing the interests of federally-insured credit unions, continues to urge government officials to raise the member business lending (MBL) cap for credit unions. Banks have long opposed this action. The Congressionally-imposed statutory cap on credit union member business lending, established in the Federal Credit Union Act as part of the Credit Union Membership Access Act,established an 12.25% asset cap (with loans of only $50,000 or less exempt from this ceiling).