Your Leadership Link

Federal advocacy efforts are gaining momentum, with key legislative, regulatory, and AI policy developments.

From the Dakota Credit Union Association (DakCU) and America's Credit Unions 

Your Dakota Credit Union Association continues working alongside America’s Credit Unions and the American Association of Credit Union Leagues to focus on issues that matter most to credit unions and the members they serve. Below are several updates highlighting how these efforts support Dakota credit unions and their communities.

​Dakota credit unions continue to see active movement at the federal level, with key conversations and proposals shaping the future of the industry.

On Capitol Hill, both the House and Senate are in session this week, with hearings expected to address how regulators are keeping pace with technology and modernizing capital markets. Meanwhile, House Financial Services Committee Ranking Member Maxine Waters is calling for a conference committee on the 21st Century ROAD to Housing Act. Provisions under consideration include several supported by credit unions, such as expanding access to Federal Home Loan Banks, reducing regulatory burdens, and advancing board modernization efforts.

Affordable housing remains a key focus. America’s Credit Unions continues to advocate for the MORE Opportunities for Homeownership Act (H.R. 7657), which would enhance lending liquidity, particularly for small and rural credit unions, helping more members achieve homeownership.

The administration also released its National Policy Framework for Artificial Intelligence, outlining high-level principles that emphasize flexibility and a balance between state and federal roles. The approach leaves sector-specific oversight to individual regulators.

DakCU and America’s Credit Unions supports a balanced, flexible approach to AI regulation that promotes innovation while protecting consumers.

From a regulatory perspective, America’s Credit Unions is urging the NCUA to modernize capital requirements and ensure parity with banks, particularly following recent federal banking proposals that would lower capital requirements for large institutions.

Capital standards should reflect actual risk and evolving economic conditions, allowing credit unions to better serve members, support homeownership, and invest in their communities.

Additional advocacy efforts include raising awareness of the Illinois Interchange Fee Prohibition Act through a national media campaign, as well as continued engagement on fraud prevention and regulatory reform. Credit union-backed candidates also saw strong success in recent Illinois primary elections.
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​Your Association will continue to closely monitor these developments and advocate on behalf of our member credit unions at every step. Our team remains engaged with federal and state policymakers, national system partners, and regulatory agencies to ensure the priorities of Dakota credit unions are clearly represented. We will keep you informed as legislative and regulatory actions evolve and provide timely updates to support your strategic decision-making.
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Staying Engaged
For questions please contact DakCU Interim President/CEO, George McDonald; DakCU Director of Legislative & Regulatory Affairs, John Alexander; or Director of Political Strategy and Engagement, Kenley Lamberty.