# 119-hr-4167: Expanding Access to Lending Options Act

119-hr-4167, Expanding Access to Lending Options Act, is a 119th Congress bill sponsored by Rep. Fitzgerald, Scott [R-WI-5] (R-WI); status introduced; PRIA reads it as touching household money (as of 2026-10-15).

- Canonical: https://policyrisk.com/legislation/119-hr-4167
- As of: 2026-10-15
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-4167
- Congress: 119
- Title: Expanding Access to Lending Options Act
- Status: introduced
- Introduced: 2025-06-26
- Sponsor: Rep. Fitzgerald, Scott [R-WI-5] (R-WI)
- Cosponsors: 47
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-15

## Summary

**Expanding lending flexibility for federal credit unions.** This bill would let federally chartered credit unions make loans with maturities up to 20 years or longer as the National Credit Union Administration Board permits and would remove a rule that required one such loan be a member's principal residence. It would also state that the National Credit Union Administration must prioritize safety and soundness. - Households: Could access loans with maturities up to 20 years or longer if their credit union offers them. - Credit unions: Gain the option to offer a broader set of loan products, including loans not limited to a member's principal residence. - Regulators: Directs the National Credit Union Administration to prioritize safety and soundness and gives its Board authority to set rules on longer loan terms.

## Cosponsors (47)

- Rep. Van Orden, Derrick [R-WI-3] (R-WI), 2026-10-13T00:00:00.000Z
- Rep. Bilirakis, Gus M. [R-FL-12] (R-FL), 2026-10-13T00:00:00.000Z
- Rep. Vasquez, Gabe [D-NM-2] (D-NM), 2026-10-13T00:00:00.000Z
- Rep. Sherman, Brad [D-CA-32] (D-CA), 2025-06-26T00:00:00.000Z
- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2025-06-26T00:00:00.000Z
- Rep. Kim, Young [R-CA-40] (R-CA), 2025-06-26T00:00:00.000Z
- Rep. Vargas, Juan [D-CA-52] (D-CA), 2025-06-26T00:00:00.000Z
- Rep. Timmons, William R. [R-SC-4] (R-SC), 2025-06-26T00:00:00.000Z
- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA), 2025-06-26T00:00:00.000Z
- Rep. Panetta, Jimmy [D-CA-19] (D-CA), 2025-06-30T00:00:00.000Z
- Rep. Carbajal, Salud O. [D-CA-24] (D-CA), 2025-08-26T00:00:00.000Z
- Rep. Correa, J. Luis [D-CA-46] (D-CA), 2025-09-11T00:00:00.000Z
- Rep. Lawler, Michael [R-NY-17] (R-NY), 2025-09-30T00:00:00.000Z
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2025-10-06T00:00:00.000Z
- Rep. Meeks, Gregory W. [D-NY-5] (D-NY), 2025-10-17T00:00:00.000Z
- Rep. Harder, Josh [D-CA-9] (D-CA), 2025-10-24T00:00:00.000Z
- Rep. Bera, Ami [D-CA-6] (D-CA), 2025-10-31T00:00:00.000Z
- Rep. Nunn, Zachary [R-IA-3] (R-IA), 2025-12-01T00:00:00.000Z
- Rep. Williams, Roger [R-TX-25] (R-TX), 2025-12-01T00:00:00.000Z
- Rep. Edwards, Chuck [R-NC-11] (R-NC), 2025-12-02T00:00:00.000Z
- Rep. Stutzman, Marlin A. [R-IN-3] (R-IN), 2025-12-04T00:00:00.000Z
- Rep. McBride, Sarah [D-DE-At Large] (D-DE), 2025-12-05T00:00:00.000Z
- Rep. Mackenzie, Ryan [R-PA-7] (R-PA), 2025-12-16T00:00:00.000Z
- Rep. Garbarino, Andrew R. [R-NY-2] (R-NY), 2026-01-07T00:00:00.000Z
- Rep. McClellan, Jennifer L. [D-VA-4] (D-VA), 2026-01-07T00:00:00.000Z
- Rep. Ezell, Mike [R-MS-4] (R-MS), 2026-01-30T00:00:00.000Z
- Rep. Davidson, Warren [R-OH-8] (R-OH), 2026-01-30T00:00:00.000Z
- Rep. Harrigan, Pat [R-NC-10] (R-NC), 2026-01-30T00:00:00.000Z
- Rep. Foushee, Valerie P. [D-NC-4] (D-NC), 2026-02-04T00:00:00.000Z
- Rep. Conaway, Herbert C. [D-NJ-3] (D-NJ), 2026-02-04T00:00:00.000Z
- Rep. Salazar, Maria Elvira [R-FL-27] (R-FL), 2026-02-25T00:00:00.000Z
- Rep. Whitesides, George [D-CA-27] (D-CA), 2026-03-25T00:00:00.000Z
- Rep. Latimer, George [D-NY-16] (D-NY), 2026-03-26T00:00:00.000Z
- Rep. Soto, Darren [D-FL-9] (D-FL), 2026-04-14T00:00:00.000Z
- Rep. Rutherford, John H. [R-FL-5] (R-FL), 2026-04-20T00:00:00.000Z
- Rep. McDowell, Addison P. [R-NC-6] (R-NC), 2026-04-21T00:00:00.000Z
- Rep. Barragán, Nanette Diaz [D-CA-44] (D-CA), 2026-04-16T00:00:00.000Z
- Rep. Trahan, Lori [D-MA-3] (D-MA), 2026-04-22T00:00:00.000Z
- Rep. Davis, Donald G. [D-NC-1] (D-NC), 2026-04-27T00:00:00.000Z
- Rep. McGovern, James P. [D-MA-2] (D-MA), 2026-04-30T00:00:00.000Z
- Rep. Neal, Richard E. [D-MA-1] (D-MA), 2026-05-12T00:00:00.000Z
- Rep. Walkinshaw, James R. [D-VA-11] (D-VA), 2026-05-21T00:00:00.000Z
- Rep. Yakym, Rudy [R-IN-2] (R-IN), 2026-06-02T00:00:00.000Z
- Rep. Ciscomani, Juan [R-AZ-6] (R-AZ), 2026-06-08T00:00:00.000Z
- Rep. Torres, Ritchie [D-NY-15] (D-NY), 2026-06-15T00:00:00.000Z
- Rep. Keating, William R. [D-MA-9] (D-MA), 2026-06-23T00:00:00.000Z
- Rep. Strickland, Marilyn [D-WA-10] (D-WA), 2026-09-15T00:00:00.000Z

## Provisions PRIA read

- Longer federal credit union loans: mixed, medium. If enacted, the bill would let federally chartered credit unions offer longer loan terms. It would raise the statutory maximum loan term from 15 years to 20 years. The NCUA Board could allow terms longer than 20 years by regulation. It would remove the rule that the dwelling must be the borrower's…

## Related bills

- 119-hr-4382: America’s Olympic and Paralympic Games Commemorative Coins Act
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-1422: Enhanced Iran Sanctions Act of 2025
- 119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025
- 119-hr-2102: Major Richard Star Act

## Sources
- [119-hr-4167 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/4167)

## Related
- [119-hr-4382: America’s Olympic and Paralympic Games Commemorative Coins Act](https://policyrisk.com/legislation/119-hr-4382)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-1422: Enhanced Iran Sanctions Act of 2025](https://policyrisk.com/legislation/119-hr-1422)
- [119-hr-3514: Improving Seniors’ Timely Access to Care Act of 2025](https://policyrisk.com/legislation/119-hr-3514)
- [119-hr-2102: Major Richard Star Act](https://policyrisk.com/legislation/119-hr-2102)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-4167 (as of 2026-10-15).