Advocacy

---

Speaking Truth to Power… And Being Heard

Inclusiv speaks for financial inclusion for all Americans and for bringing the power of cooperative finance to all.

Credit unions promote fairness and financial security.  We advocate for policies and regulations that help credit unions grow--that provide sensible consumer protections without adding undue burdens for compliance and reporting.

Inclusiv Board has a permanent Government Affairs Committee that tracks legislative, regulatory and policy issues that affect credit unions and develops and advocates policy positions.  These positions promote consumer protection in the financial services marketplace while enabling a regulatory framework that lets responsible financial institutions, like CDCUs, do what they do best: build financial independence among low-income people and communities.

Policy Platform

Inclusiv promotes the financial independence and well-being of working families and communities by expanding access to safe and responsible financial products and services through credit unions. As the national trade association and CDFI intermediary committed to expanding, growing and strengthening these mission-driven credit unions, Inclusiv advocates for policies that strengthen the institutions and the members and communities they serve. Learn more.

CDFI Fund
Inclusiv was instrumental in establishing the CDFI Fund in 1994, is a permanent member of the national CDFI Coalition and is the CDFI and community finance authority for the credit union industry. Learn more.

Credit Union Regulation
As the leading voice for credit unions that serve low- and moderate-income communities, Inclusiv monitors the development of regulatory policies and rules from the National Credit Union Administration (NCUA), the Consumer Financial Protection Bureau (CFPB), the Federal Reserve, and other regulators.  Learn more.

Coalition Building
Cooperation is a core principle of Inclusiv and the cooperative movement.  In keeping with this spirit, Inclusiv supports coalition building among credit unions and within the broader community development finance field in order to multiply the force of our advocacy. Learn more.

Advocacy Toolkit

Comment Letters

March 2023 Comment Letter on FHLBank Puerto Rico Roundtable
March 2023 Letter on Overdraft Supervisory Priorities Recommendations
March 2023 Letter on NCUA Rate Ceiling
January 2023 Comment Letter to the CDFI Fund on the Annual Certification and Data Collection Report Form and the Abbreviated Transaction Level Report
December 2022 Comment Letter on Affiliation and Lending Criteria for the SBA Business Loan Programs
December 2022 Comments on Federal Community Investment Programs
December 2022 Comments on CDFI Target Market Assessment Methodologies
December 2022 Comment Letter on the NCUA’s updates to the Subordinated Debt rule
December 2022 Comment Letter on to the CDFI Fund on updates to the Certification Application
December 2022 Comments in response to the EPA’s Request for Information on Greenhouse Gas Reduction Fund implementation
November 2022 Comments for EPA on Greenhouse Gas Reduction Fund
November 2022 Comment Letter on the CDFI Fund’s Minority Lending Institution Designation
November 2022 Comment Letter on the CDFI Fund’s Uses of Awards and Performance Progress Report Forms
August 2022 Comments on ECIP
August 2022 Comments on the NCUA 2022 Regulatory Review
August 2022 Comments on the Community Reinvestment Act (CRA)
June 2022 Inclusiv Memo in Support of HR 2543
June 2022 Letter on the CDFI Fund Equitable Recovery Program
May 2022 Comments on Expanding Financial Access
February 2022 Joint Letter to CDFI Fund for the Minority Lending Program
February 2022 Inclusiv Statement of Support for OnPath FCU
January 2022 Comments on Current CDFI Fund Certification Standards and Practices
October 2021 Letter to NCUA regarding Secondary Capital and Subordinated Debt
August 2021 Letter to Treasury with ECIP Questions
August 2021 Letter on Interest Rate Caps
June 2021 Letter to Treasury with ECIP Questions
June 2021 Comments on State Small Business Credit Initiative
April 2021 Comments on Proposed CUSO Rule
February 2021 Comments on the Federal Reserve’s Notice of Proposed Rulemaking, CRA Regulations, Docket
January 2021 Letter to Treasury on ECIP and RRP
January 2021 Comments on PPP Implementation Challenges and Recommendations
November 2020 Comments on CDFI Fund Proposed Changes to Certification
November 2020 Comments on CDFI Fund Proposed Changes to Reporting Requirements
July 2020 Comments on NCUA's Proposed Rulemaking for Subordinated Debt
August 2018 Comments on Payday Alternative Loans
October 2017 Comments on CFPB Arbitration Rule
October 2017 Recommendations on the Community Reinvestment Act
September 2017 Response to CFPB Request for Information on Small Business Lending
February 2017 Letter to the Editor: Anti-Immigration Proposals Work Against Growth
September 2016 Comments on CDFI Program Financial Assistance Application
Dec 2015 Recommendations on CDFI Application Improvements
Nov 2015 Recommendations to CDFI Fund on Access to Capital
Oct 2015 Comments on Interim Rule for CDFI Fund Program
Jul 2015 Comments on Future Frameworks
May 2015 Comments on TLR Reporting
May 2015 Comments on Annual Reporting
Apr 2015 Comments on FA/TA Application
Dec 2014 Comments on CDFI Certification

Impact Stories

2018 CDFI Credit Unions Build Inclusive Economies Report
2017 CDFI Credit Unions Build Inclusive Economies Report

Let your voice be heard too.  Tell us about a policy concern or opportunity that affects your community or credit union. Contact us at advocacy@inclusiv.org.