California CRA Brewing, PAGA Push, COVID Sick Leave & More


A state-level version of the federal Community Reinvestment Act (CRA) will be introduced in the California State Legislature this year, setting up credit unions for a major battle in Sacramento.

Consumer protection groups in the state are advocating for a state CRA.

Currently, four states have their own CRA for credit unions, but Massachusetts is the only state with a real comprehensive and enforced version out of those four.

Although many of California’s leaders and elected officials fully understand the “credit union difference” and communities that credit unions are designed to serve, it’s still too early to tell if any proposed CRA bill would be light, medium, or heavy in comparison to federal CRA for banks.

Credit union leaders have an opportunity to advocate for the movement in Sacramento on this important CRA topic and other pressing issues during the 2022 California Government Relations Rally (April 4 – 5)! The California Credit Union League will connect credit unions with state lawmakers, officials, and regulators regarding critical concerns impacting credit unions and their members.

California’s Private Attorneys General Act (PAGA)
There is a current ballot initiative trying to collect enough signatures to reform PAGA (championed by CalChamer) so that employers across California are not forced into costly settlements and can better comply with the law.

The League does not involve itself in ballot initiatives; however, this issue impacts many credit unions. Ballot-initiative and signature information will be sent to credit union leaders who may want to take action on this issue.

Also, to make a contribution or obtain more information, visit

California’s COVID-19 Supplemental Paid Sick Leave
Gov. Gavin Newsom signed into law Senate Bill 114 this past week, which resurrects a statewide COVID-19 supplemental paid sick leave (SPSL) law that expired on Sept. 30, 2021.

SB 114 would provide a total of up to 80 hours of SPSL, but the leave entitlement is split into two buckets of 40 hours. SB 114 applies retroactively to Jan. 1, 2022, and it stays in effect until Sept. 30, 2022.

SPSL is for covered employees who are unable to work or tele-work due to certain reasons related to COVID-19 illness. This also includes employees attending a COVID-19 vaccine or vaccine booster appointment for themselves or a family member, those experiencing symptoms, or those caring for a family member experiencing symptoms related to a COVID-19 vaccine or vaccine booster. View the League’s background, summary, and recommendations here.

Cal-OSHA Mask Requirements vs. CDPH’s Mask Relaxation
The California Department of Public Health (CDPH) announced its indoor mask mandate for vaccinated individuals will end on Feb. 16 (with the exception of some very specific settings, circumstances, and obviously local county rules).

In conjunction, questions have been raised whether Cal-OSHA (Occupational Safety and Health Administration) has issued an update on mask requirements for employees. As of today, credit union leaders know the CDPH’s Feb. 7 order — which indicated universal masking will be required only in specific settings — also stated that fully vaccinated individuals are recommended to continue indoor masking when the risk may be high. Additionally, unvaccinated employees are required to wear masks while indoors.

As stated above, this order becomes effective on Feb. 16. More information on the COVID-19 Prevention Emergency Temporary Standards is available in Cal-OSHA's Frequently Asked Questions (FAQs).

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