Credit unions can convert with fewer members voting.
H.R. 9900 — Privately Insured Credit Unions Conversion Modernization Act · Filed by Warren Davidson (R-OH) · 1 cosponsor · Introduced Jul 23, 2026 · Referred to committee
Your members of Congress
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What it does
This bill makes conversion easier for credit unions. It removes a rule requiring 20 percent of members to vote. Members now get at least 90 days to learn about conversion plans. Before, they had only 7 to 30 days.
Who it affects
Credit union members get more time to think about conversions. Credit union leaders may find conversions simpler to complete. Members who ignore credit union news might miss the announcement.
One thing to notice
The bill gives members more time to learn about changes. It removes a rule that protected member voting power.
From the analysis of the bill text, linked under Primary records below.
Where it stands
1 cosponsor: 1 Democrats.
- Jul 23, 2026 — Introduced · Congress.gov: “Introduced in House”
- Jul 23, 2026 — Referred to House Committee on Financial Services · Congress.gov: “Referred to the House Committee on Financial Services”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Words to know
- conversion — When a credit union changes from one type of insurance to another.
- credit union — A bank owned by its members who save and borrow money together.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (499 characters) on Jul 30, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 14,707 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
As of — page rendered 2026-09-23.
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