The Senate bill to change the Dodd-Frank regulatory regime passed its first hurdle Tuesday.

Voting 67-32, the Senate voted to proceed to a full debate of the bill. Under Senate rules, that motion needed 60 votes; the 67 votes to proceed may signal the strength the bill has.

The legislation contains a credit union-specific provision that provides that a one-to-four family dwelling that is not the primary residence of a member will not be considered a business loan under the Credit Union Act.

That provision has not attracted much attention.

Among the most contentious provisions is one that would increase the so-called “too big to fail” threshold from $50 billion in assets to $250 billion in assets and it is that provision that has gained the most opposition from consumer groups.

The Congressional Budget Office said that provision increases the possibility that some institution might fail.

The CBO also said that the credit union loan provision would likely increase credit union lending. The budget office said that 20% of the credit unions are approaching their member business lending limit.

CBO said that if the limit is removed for those dwellings, lending in those institutions would likely increase 10% annually.

The budget office said that as a result, lending at taxable institutions, such as banks would decrease, with those loans being made by credit unions, which are tax exempt.

As a result, CBO said, that provision would increase the deficit by $10 million between 2018 and 2027.

Credit union trade groups have been pushing hard in favor of the bill, with the organizations urging member institutions to contact their members of Congress.