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This bill amends the Federal Credit Union Act to expand credit union service to underserved areas. It allows credit unions to add underserved geographic areas to their field of membership and permits member business lending in such areas. The bill defines 'underserved area' as regions that are investment areas, low-income communities, or located more than ten miles from the nearest bank or credit union branch. For larger credit unions (over $10 billion in assets), the bill requires business plans, consumer advisory panels, compliance reviews, and ongoing reporting to track service to these communities.
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