Additionally, we advocated for fair/efficient California Department of Financial Protection and Innovation (DFPI) exams.
In 2025, we didn’t just support your credit union—we helped co-pilot your future. California’s Credit Unions is dedicated to real-world solutions across advocacy, compliance, professional growth, strategic solutions, and social impact. We are committed to your leadership and volunteers, making sure they’re equipped to make a positive financial difference in your members’ lives. As we close out 2025, let’s make 2026 another year of powerful impact in Sacramento, Washington, D.C., and your community.
Failed:
AB 1365 (CalAccount Program)
AB 1065 (Interchange Fees on Sales Tax)
Held:
AB 909 (Elder Fraud Liability Shift)
AB 801 (California Community Reinvestment Act or CRA)
Held on suspense, moved, or vetoed:
Precise Geolocation (AB 322)
Surveillance Pricing (AB 446)
Automated Decision Systems (SB 7)
Held or vetoed:
5 artificial intelligence/automated decision system (ADS) bills successfully.
4 price/algorithm bills stopped.
Signed into law:
Mortgage Forbearance (AB 238)
Data Breach Notification (SB 446)
Hazard Insurance Proceeds (AB 493)
Mitigated and negotiated:
Private Attorneys General Act (PAGA) Mitigation
Insurance Consumer Privacy (SB 354)
16 burdensome bills defended against.
3,120 hours spent on state advocacy lobbying.
92 direct meetings with state legislators.
For a detailed recap, click here.
Washington, D.C.
More than
votes, co-sponsorships, and signatures secured on key credit union priorities
credit union priorities signed into law
MILLION
in tax savings for the industry from preserving the credit union tax exemption
FOUR CU PRIORITIES SIGNED INTO LAW
• Only 0.3 percent of all bills introduced in 2025 were signed into law.
• Additionally, five nationwide credit union priorities led by Californians in Congress.Additionally, five nationwide credit union priorities led by Californians in Congress.
98 MEETINGS
• With California members of Congress during the Governmental Affairs Conference and Hike The Hill.
• 2,000-plus hours on federal advocacy lobbying efforts.
PROTECTED TAX EXEMPTION & CERTAINTY
• Senator Alex Padilla introduced the only Senate amendment nationwide to protect the credit union tax exemption.
• Nine members of Congress from California signed an important bipartisan letter to the House Ways and Means Committee.
• Established a federal framework for U.S. payment stablecoins.
• Championed consumers via the Homebuyer Privacy Protection Act.
• Repealed the Consumer Financial Protection Bureau’s (CFPB) Overdraft Rule.
• 100 percent of California’s congressional delegation voted for the Credit Union Board Modernization Act.
• More than 360,000 messages sent to Washington, D.C. to preserve the credit union tax status.
• Over 200 in-person engagements with congressional offices.
• One California credit union CEO testified before a congressional committee.
INTRODUCED DECISIVE BILLS
• Credit Union Board Modernization Act.
• Central Liquidity Facility Enhancements Act.
• SUPPLY Act.
• Fought for Community Development Financial Institutions (CDFI) program funding.
SECURED A BRIGHTER FUTURE
• Secured meetings with congressional leadership.
• Heavily engaged with California members of the U.S. House and Senate.
• Provided guidance on U.S. Immigration and Customs Enforcement (ICE).
BUILT PRESERVATION AND LEGACY
• Launched the first “Don’t Tax My Credit Union” Spanish campaign.
• Pledged nearly $1 million for the Cal State University DC Scholars Program Endowment.
• Held key leadership positions on regulatory and legislative advocacy committees.
$1 MILLION PLEDGED
• Toward the Cal State University DC Scholars Endowment.
Major PAC Accomplishments
Contributions to the California State PAC, providing direct support for state legislative champions and defense.
Grassroots messages delivered. This record-breaking volume sent through the Connect For The Cause platform in California provided direct, personalized advocacy from members to elected officials — a more than 900 percent increase from last year.
MORE THAN 400 ENGAGEMENTS
Direct legislative engagements with key policymakers (over 300 with California state legislators and more than 100 with California members of Congress).
460 DEDICATED DONORS
Individual donors in California actively contributing personal dollars to the Federal PAC.
SECURED HISTORIC COMMITMENT
Historic member engagement and Political Action Committee (PAC) commitment.
STEPPED UP ENGAGEMENT
Magnified the depth of participation across the credit union community.
FOSTERED UNPRECEDENTED DEDICATION
A 53.5 participation rate of all credit unions in California contributing to the State PAC.
$187,979 PERSONAL-DOLLAR CONTRIBUTIONS
Collected for the Federal PAC (October 2024 – September 2025) to educate, advocate, and build relationships.
High-Impact Achievements
Additionally, we advocated for fair/efficient California Department of Financial Protection and Innovation (DFPI) exams.
With the National Credit Union Administration (NCUA), Federal Housing Finance Agency (FHFA), U.S. Office of Management and Budget (OMB), and California Department of Financial Protection and Innovation (DFPI).
Secured a temporary Compliance Delay on the Small Business Lending 1071 rule.
Maintained existing limits on Regulation E fraud liability.
Initiated accelerated rulemaking to revise Section 1033.
The National Credit Union Administration (NCUA) initiated the Economic Growth and Regulatory Paperwork Reduction Act (EGRPRA) review to modernize/remove obsolete regulations.
Championed a full, bipartisan, three-member board and sustainable budgets.
Secured proposed federal credit union bylaw updates.
Promoted the GENIUS Act framework for equal digital asset powers as banks.
Successfully preserved the current debit card interchange structure.
Advocated for equitable treatment in the Community Development Financial Institutions (CDFI) certification process.
Opposed proposed California Consumer Privacy Act (CCPA) rules on automated decision-making and audits from the California Privacy Protection Agency (CPPA).
Repealed the Consumer Financial Protection Bureau’s (CFPB) Overdraft Fee Rule and vacating of the Credit Card Late Fee Rule (April 2025). Rescinded the NCUA's public publication of overdraft/NSF fee income data for credit unions over $1 billion in assets.
Highlighted the Federal Home Loan Bank of San Francisco’s (FHLB) role as a low-cost liquidity partner and advocated for tools to increase California housing supply and lower mortgage rates.
Community Mission and Footprint
MEMBER LEARNING HOURS
WEBINAR ORDERS
EDUCATION HOURS
14,667 LEARNING HOURS
• Viewed by member credit union staff on Power Learner Passport.
6,533 WEBINAR ORDERS
• Placed by member credit union employees on Power Learner Passport.
• 267 Power Learning Passport subscriptions active.
• 168 learning topics made available (past, on-demand, and current).
550 EDUCATION HOURS
• Over 100 hours provided in leadership development for succession planning, impacting 109 managers through the Ignite series.
• Over 450 HOURS provided in commitment to future credit union leadership for 15 young professionals.
62 NEW FINANCIAL ACADEMY COUNSELORS
• 62 graduated, expanding financial wellbeing support (the program has now graduated more than 250).
114 EMPLOYEES TRAINED
• Trained on Account Administration compliance topics.
ACHIEVED RECORD ATTENDANCE
• A blockbuster registration showing for Shapiro Summit and REACH in 2025.
THREE JUNTOS AVANZAMOS CUs
• Celebrated the addition of three new California credit unions to the Juntos Avanzamos family.
ONE POWERFUL SOCIAL IMPACT SURVEY
• Completed, and improved upon, the annual Social Impact Survey.
• Additionally, we launched the We GIVE Program supporting staff volunteerism across three community causes (Food Across America, CHOC Walk, and Breast Cancer Awareness Challenge) — internally at the league.
Credit Union Solutions
Purpose Driven