On behalf of the 51 state bankers associations from every state in the country, including Puerto Rico, we call on Congress to conduct renewed oversight and hold hearings on whether the tax-exempt credit union industry lives up to the ideals of its founding, and if it continues to be appropriate to exempt federal credit unions from Form 990 transparency and reporting requirements required of other non-profits. Moreover, Congress should further examine whether the National Credit Union Administration (NCUA) is promoting policies that make the industry less safe, less sound, more bifurcated, and less directed toward its statutory mission to serve consumers of "small means."