# 114-hr-2769: Risk-Based Capital Study Act of 2015

114-hr-2769, Risk-Based Capital Study Act of 2015, is a 114th Congress bill sponsored by Rep. Fincher, Stephen Lee [R-TN-8] (R-TN); status Placed on the Union Calendar, Calendar No. 679. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/114-hr-2769
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 114-hr-2769
- Congress: 114
- Title: Risk-Based Capital Study Act of 2015
- Status: Placed on the Union Calendar, Calendar No. 679.
- Introduced: 2015-06-15
- Sponsor: Rep. Fincher, Stephen Lee [R-TN-8] (R-TN)
- Cosponsors: 16
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Risk-Based Capital Study Act of 2015 This bill directs the National Credit Union Administration (NCUA) to study the appropriate capital requirements for federal credit unions and state credit unions, including: whether the NCUA has the clear legal authority to prescribe separate risk-based capital thresholds for both "adequately capitalized" and "well capitalized" credit unions; a discussion of the differences between credit unions and other types of depository institutions and reasons why they should have similar or different risk-weights for their capital requirements; a discussion of the rationale behind the risk-weights assigned in the proposed NCUA rule "Risk-Based Capital"; and an analysis of the impact the proposed rule would have upon excess capital above the minimum level for a credit union to be "well capitalized" (a credit union's "capital cushion"), including the potential impact upon credit union lending and credit union examinations. A credit union may not be required to provide information regarding the capital standards sought in the NCUA study, but may provide it voluntarily. The NCUA may not issue or implement any final rule or regulation governing risk-based capital (including the proposed rule) earlier than 120 days after it reports to Congress on the study.

## Cosponsors (16)

- Rep. Heck, Denny [D-WA-10] (D-WA), 2015-06-15T00:00:00.000Z
- Rep. Posey, Bill [R-FL-8] (R-FL), 2015-06-15T00:00:00.000Z
- Rep. Hill, J. French [R-AR-2] (R-AR), 2015-07-08T00:00:00.000Z
- Rep. Barr, Andy [R-KY-6] (R-KY), 2015-07-13T00:00:00.000Z
- Rep. Ross, Dennis A. [R-FL-15] (R-FL), 2015-07-21T00:00:00.000Z
- Rep. Brooks, Mo [R-AL-5] (R-AL), 2015-07-22T00:00:00.000Z
- Rep. Murphy, Patrick [D-FL-18] (D-FL), 2015-07-23T00:00:00.000Z
- Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2015-07-27T00:00:00.000Z
- Rep. Roby, Martha [R-AL-2] (R-AL), 2015-07-28T00:00:00.000Z
- Rep. Duffy, Sean P. [R-WI-7] (R-WI), 2015-09-08T00:00:00.000Z
- Rep. Rothfus, Keith J. [R-PA-12] (R-PA), 2015-09-16T00:00:00.000Z
- Rep. Byrne, Bradley [R-AL-1] (R-AL), 2015-09-24T00:00:00.000Z
- Rep. Collins, Chris [R-NY-27] (R-NY), 2015-09-28T00:00:00.000Z
- PETER KING (R-NY), 2015-10-05T00:00:00.000Z
- Rep. Garamendi, John [D-CA-8] (D-CA), 2015-10-09T00:00:00.000Z
- Rep. Jenkins, Lynn [R-KS-2] (R-KS), 2015-10-20T00:00:00.000Z

## Related bills

- 114-hr-893: Boys Town Centennial Commemorative Coin Act
- 114-hr-3929: Office of Strategic Services Congressional Gold Medal Act
- 114-hr-2726: Apollo 11 50th Anniversary Commemorative Coin Act
- 114-hr-985: Concrete Masonry Products Research, Education, and Promotion Act of 2015
- 114-hr-699: Email Privacy Act
- 114-hr-160: Protect Medical Innovation Act of 2015

## Sources
- [114-hr-2769 on Congress.gov](https://www.congress.gov/bill/114th-congress/house-bill/2769)

## Related
- [114-hr-893: Boys Town Centennial Commemorative Coin Act](https://policyrisk.com/legislation/114-hr-893)
- [114-hr-3929: Office of Strategic Services Congressional Gold Medal Act](https://policyrisk.com/legislation/114-hr-3929)
- [114-hr-2726: Apollo 11 50th Anniversary Commemorative Coin Act](https://policyrisk.com/legislation/114-hr-2726)
- [114-hr-985: Concrete Masonry Products Research, Education, and Promotion Act of 2015](https://policyrisk.com/legislation/114-hr-985)
- [114-hr-699: Email Privacy Act](https://policyrisk.com/legislation/114-hr-699)
- [114-hr-160: Protect Medical Innovation Act of 2015](https://policyrisk.com/legislation/114-hr-160)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/114-hr-2769 (as of 2025-11-18).