Political Affairs
Adam Engelman
Kristen Prather

MBL Materials

Member Business Lending

America’s small businesses are the engine of growth of our nation’s economy.  The effects of the financial crisis of the past few years have spread to all types of lending, resulting in a reduction in the availability of business credit.

At a time when banks are withdrawing credit from America’s small businesses, credit unions have actually been expanding credit to small businesses, but with more credit unions approaching the cap, this growth is threatened.  It makes economic sense to restore credit unions’ full ability to lend to their business-owning members. 

Congress should enact legislation which increases the credit union member business lending cap from 12.25% of assets to 27.5% for well-capitalized credit unions and adds significant safeguards to ensure that qualifying credit unions do this additional lending safely and soundly.  This approach has been endorsed by the Obama administration. 

Grassroots Action Needed:

Please contact your Representative through the Grassroots Action Center and urge them to support H.R. 688, the Credit Union Small Business Jobs Creation.


Congressional Visit Briefing Materials

  1. Member Business Lending Talking Points
  2. Responding to ABA/ICBA Claims on Effect of S.2231/HR 1418
  3. State-by-State Numbers
  4. MBL Chart - Limitations on Credit Union Member Business Lending Compared to the Commercial Loan Powers of National Banks - April 2012
  5. MBL Objection Response Summary
  6. MBL Objection Response - Full Analysis
  7. Straight to the Point: Member Business Lending
  8. Member Business Lending and Employment by State
  9. Department of Treasury Study on Credit Union Business Lending (January 2001)

MBL Materials for Credit Unions and Members

  1. Congress: Stop Listening to the Banks
  2. Business Spotlight: A Slice of Small Business
  3. Credit Unions Can Put Americans to Work
  4. Raise the lending cap for credit unions
  5. Congress should raise cap on credit unions
  6. Increase credit unions' small business loan caps
  7. Setting the Record Straight Again
  8. Fact Checking ABA Propaganda
  9. MBL Regulatory Restrictions Handout
  10. Open for Business Handout
    More MBL Materials....

Coalition Support

  1. Deficit-Free Economic Stimulation
  2. Do as Reagan Did, And Free Credit Unions
  3. Why Cap Growth?
  4. After Blocking Small Business Jobs Bill, Congress Must Do Something to Help Entrepreneurs
  5. 1500AM Radio Interview with Steve Pociask of ACI on MBLs
  6. Radio Interview with Steve Pociask of ACI on MBLs
  7. Lending Cap Is Unfair to Small Business
  8. American Consumer Institute Blog Post April 27, 2012
  9. Maybe the Banks Should Support the Credit Union Act
  10. American Consumer Institute on How to Create New Jobs
  11. Fox Video Interview with Ami Kassar of MultiFunding Why Banks Are Not Lending to Small Businesses
  12. Progressive Policy Institute on Easing the Credit Gap
  13. CEI’s Ten Point Plan to Create Jobs

MBL Ads/Videos

  1. Bill Cheney on why NOW is the time to take action on MBLs
  2. Support Credit Union Business Lending Now
  3. Job Creation: Credit Union Member Business Loans
            Featuring Patty Kuchar
            Featuring Angie Leppert
            Featuring Joel Hanson
  4. Shoreline MBL Video – Vans Bar.
  5. Shoreline MBL Video – PDJ Cutting and Fabricating
  6. Shoreline MBL Video – Affairs to Remember
  7. September 12 MBL Forum with The HillUdall
    September 12 MBL Forum
    with The Hill
  8. Small Business Week: To Loan or Not to Loan
  9. Video from Small Business Hike the Hill, Feb. 2012
  10. The Small Business Owner Ad 
  11. Support Credit Union Small Business Jobs bill - Ken Dull
  12. Alabama Small Business Video - Scotts Flooring Grand Opening
  13. Listerhill Small Business Video
  14. Raise the Business Lending Cap Iowa Small Business Video
  15. Virginia Support S.2231 Video
  16. Small business owners want lending restrictions eased – Texas News Coverage
  17. Washington credit unions ask Congress to allow bigger loans to small businesses
  18. Alabama MBL Radio Spot
  19. MBL Ads
  20. State Radio Ads (member-only)

Image Files for MBL Ads

  1. Download files for MBL Ads (member-only)
Right Promo- Membership