WASHINGTON–The Defense Credit Union Council (DCUC) has submitted a letter to House Financial Services Committee (HFSC) leadership outlining its views on several legislative proposals scheduled for consideration during its hearing on “Oversight of the Department of Housing and Urban Development and the Federal Housing Administration.”
DCUC noted it expressed its appreciation for the Committee’s focus on strengthening housing affordability and supply, improving oversight and accountability of housing programs, and right-sizing regulation for community-based lenders.
“These efforts reflect a thoughtful approach to removing unnecessary barriers, modernizing outdated policies, and strengthening the ability of community-focused financial institutions like credit unions to serve consumers and local economies,” DCUC Chief Advocacy Officer Jason Stverak said in a statement. “They will also positively impact military and veteran communities by expanding access to affordable housing and financial services in the areas we serve.”
Comments Shared
Among the bills on which DCUC offered comment:
H.R. 7056, Community Bank Regulatory Tailoring Act
DCUC said it strongly supports indexing asset-based regulatory thresholds to economic growth, ensuring credit unions are not subjected to disproportionate regulatory burdens due solely to inflation or industry growth. “The bill promotes a right-sized regulatory framework and appropriately includes credit unions alongside community banks,” DCUC said.
H.R. 5520, Portal for Appraisal Licensing Act of 2025
DCUC said it supports modernizing the appraisal licensing process through a centralized, user-funded portal. “This reform would expand the pool of qualified appraisers, reduce delays, especially in rural and underserved areas, and improve the homebuying experience for military families.”
H.R. 3694, VALID Act of 2025
In the letter, DCUC expressed support for enhanced consumer transparency by requiring FHA lenders to provide veterans with a side-by-side comparison of FHA and VA loan options.
“This measure empowers veterans to make fully informed decisions and better utilize the VA Home Loan benefit they have earned,” according to DCUC.
H.R. 4568, Supporting Upgraded Property Projects and Lending for Yards (SUPPLY) Act
DCUC said it supports expanding FHA insurance eligibility for second-lien loans used to construct accessory dwelling units (ADUs). “This innovative approach will increase housing supply, particularly near military installations, while providing homeowners new opportunities for rental income or multigenerational housing,” the group said.
Additional Bills Get Support
DCUC said it also supports several additional bills aimed at expanding housing supply, improving accountability, and strengthening community development, including:
- H.R. 1640, HEIRS Act of 2025: Supporting families in resolving heirs’ property issues and preserving intergenerational wealth
- H.R. 5591, RESIDE Act: Converting vacant or abandoned buildings into attainable housing
- H.R. 5618, Housing PLUS Act of 2025: Expanding access to homeless assistance programs that include wraparound services
- H.R. 6363, Build Now Act of 2025: Incentivizing communities to increase housing supply through CDBG reforms
- H.R. 6825, Public Housing Federal Monitors Accountability Act: Strengthening oversight and transparency of troubled public housing agencies
- H.R. 7030, Securing Facilities for Mental Health Services Act: Expanding FHA mortgage insurance to standalone mental health facilities
- Improving Public Housing Agency Accountability Act (discussion draft): Enhancing HUD oversight and Inspector General review of troubled PHAs
‘Stronger Housing Finance’
“Each of these measures, in its own way, contributes to a stronger housing finance system and a more resilient economy,” Stverak said in a statement. “Together, they will better serve Americans, especially our nation’s servicemembers, veterans, and their families.”
Alloya Corporate FCU Joins DCUC
Separately, the Defense Credit Union Council (DCUC) said it has welcomed Alloya Corporate Federal Credit Union as its newest member.
“Alloya exists to support credit union success by providing a broad suite of financial services and technological capabilities that create value through cooperative strength,” DCUC said in a statement. “With over 1,300-member credit unions and credit union entities nationwide, Alloya offers centralized access to liquidity, investment, payment operations, and member solutions that help credit unions achieve efficiency and a competitive advantage.”
As a credit union itself, Alloya understands the challenges its members face and delivers solutions that help them address evolving needs and opportunities, DCUC added.
“Joining DCUC represents an exciting opportunity for Alloya,” Alloya CEO Todd Adams said in a statement. “We look forward to working with their team to further credit union advocacy initiatives that support the entire industry.”
“We are excited to welcome Alloya as our newest member,” Anthony Hernandez, DCUC president/CEO, added in a statement. “Corporate credit unions hold an important place in our industry. We look forward to sharing perspectives and resources to better serve credit unions and their members.”
