Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (USA PATRIOT ACT) Act of 2001

Regulatory Issues: National Credit Union Administration Community Action Plan Corporate credit unions Investments Allowance for Loan Losses Foreign Branching for Credit Unions Retirement Benefits for FCU Employees Valuation of Non-Maturity Shares 2003-2008 NCUA Strategic Plan Federal Reserve Board Regulation Z (Truth In Lending) Commentary Securities and Exchange Commission Sweep Account Authority for Credit Unions Federal Legislation HR 7 -- Community Solutions Act of 2001 HR 237 -- Consumer Internet Privacy Enhancement Act HR 333 -- Bankruptcy Abuse Prevention and Consumer Protection Act of 2001 HR 760 -- Faith Based Lending Protection Act HR 1055 -- Federal Payday Loan Consumer Protection Amendments of 2001 HR 1061 -- Consumer Banking Services Costs Assessment Act of 2001 HR 1408 -- Financial Services Antifraud Network Act of 2001 HR 2160 -- To provide for the establishment of individual development accounts HR 2796 -- FHLB Act Amendments HR 3162 -- USA Patriot Act HR 3717, Federal Deposit Insurance Reform Act of 2002 HR 3763, Corporate and Auditing Accountability, Responsibility and Transparency Act of 2002 HR 3911, Telemarketing Relief Act of 2002 HR 3951, Financial Services Regulatory Relief Act of 2002 HR. 4073, Amendments to Microenterprise for Self Reliance Act of 2000 HR 4612, Expanded Access To Financial Services Act of 2002 S 30 -- Financial Information Privacy Protection Act of 2001 S 229 -- Interest on Business Checking Act of 2001 S 324 -- Social Security Number Privacy Act of 2001 S 420 -- Bankruptcy Reform Act of 2001 S 592 -- The Savings Opportunity and Charitable Giving Act of 2001 S 1025 -- A bill to provide for savings for working families S 1055 -- Privacy Act of 2001 S 1371 -- Money Laundering Safeguards S 1945, Safe and Fair Deposit Insurance Act of 2002 S 2673, Public Company Accounting and Investor Protection Act of 2002

Client expense: $200,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE, White House Office

HR 3162, Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (USA Patriot Act) Act 2001: monitored and gauged impact of legislation.

Client expense: $180,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), President of the U.S., SENATE

HR 3162, Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (USA Patriot Act) Act 2001: monitored and gauged impact of legislation.

Client expense: $40,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), President of the U.S., SENATE

HR 3162, Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (USA Patriot Act) Act 2001: monitored and gauged impact of legislation.

Client expense: $40,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), President of the U.S., SENATE

Legislation affecting banks including H.R. 3162, the USA Patriot Act; regulatory rulemakings affecting banking organizations.

Client expense: Not reported · Firm income: $180,000

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

S. 180, H.R. 2052, The Sudan Peace Act, sections pertaining to US capitol markets sanctions (Con. Res. 82 IH). H.R. 1088, and H.Res.161, Capital Markets Relief Act, sections fees and SEC pay parity. H.R. 3210, Terrorism Risk Protection Act, to ensure financial capacity of insurers to provide coverage for risks from terrorism. H.R. 3162, USA Patriot Act, to deter and punish terrorists acts in the United States and around the world, to enhance law enforcement investigatory tools. H.R. 1114 and S. 398, International Money Laundering and Foreign Anti Corruption Act of 2001.

Client expense: $740,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1830, "National Child Protection Amendments Act of 2001" and S. 1868, the "National Child Protection Improvement Act" (legislation to amend the Volunteers for Children Act/National Child Protection Act) Issues related to the National Instant Criminal Background Check System Cyber-security issues H.R. 3162, the "USA PATRIOT Act" (impact on criminal history record information)

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H. R. 10, Comprehensive Retirement Security and Pension Reform Act of 2001. H.R. 1009, To repeal the prohibition on the payment of interest on demand deposits. H.R. 1051, Predatory Lending consumer Protection Act of 2001. H.R. 1057, Truth in Savings Enhancement Act of 2001. H.R. 1355, To merge the deposit insurance funds at the Federal Deposit Insurance Corporation. H.R. 1409, To reform the regulation of certain housing-related Government-sponsored enterprises, and for other purposes. H.R. 164, To amend the Federal Credit Union Act with respect to the definition of a member business loan. H.R. 1836, Restoring Earnings to Lift Individuals and Empower Families Act of 2001. H.R. 1899, To amend the Federal Deposit Insurance Act with respect to municipal deposits. H.R. 2620, Departments of Veterans Affairs and Housing and Urban Development, and Independent Agencies Appropriations Act, 2002. H.R. 2730, To amend the Gramm-Leach-Bliley Act to provide for uniform national financial privacy standards for financial institutions, and for other purposes. H.R. 2796, Federal Home Loan Bank Membership Act. H.R. 3162, To deter and punish terrorist acts in the United States and around the world, to enhance law enforcement investigatory tools, and for other purposes. H.R. 3230, American Small Business Emergency Relief and Recovery Act of 2001. H.R. 556, To prevent the use of certain bank instruments for unlawful Internet gambling, and for other purposes. H.R. 61, To Promote Youth Financial Education. H.R. 760, Faith Based Lending Protection Act. H.R. 760, To amend the Federal Credit Union Act with respect to the limitations on member business loans. H.R. 809. Antitrust Technical Corrections Act of 2001. H.R. 974, To repeal the prohibition on the payment of interest on demand deposits, to increase the number of interaccount transfers which may be made from business accounts at depository institutions, to authorize the Board of Governors of the Federal Reserve System to pay interest on reserves, and for other purposes. S. 128, Meeting America's Investment Needs in Small Towns Act of 2001. S. 187, Small Business Enhancement Act of 2001. S. 227, Municipal Deposit Insurance Protection Act of 2001. S. 306, Coverdell Education Savings Accounts Act of 2001. S. 631, Comprehensive Retirement Security and Pension Reform Act of 2001. S. 807, To Promote Youth Financial Education.

HR 3162, Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (USA Patriot Act) Act 2001: monitored and gauged impact of legislation.

Client expense: $40,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), President of the U.S., SENATE

HR 3162, Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (USA Patriot Act) Act 2001: monitored and gauged impact of legislation.

Client expense: $40,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), President of the U.S., SENATE

HR 142 Airline Competition Preservation Act of 2001 HR 204 Airline Competition and Fairness Act of 2001 HR 299 Aircraft Noise Reduction Act of 2001 HR 332 Aviation Consumer Right to Know Act of 2001 HR 384 Airline Passenger Fair Treatment Act of 2001 HR 448 A bill to limit the age restriction imposed by the administrator of the Federal Aviation Administration for the issuance or renewal of certain airman certificates, and for other purposes. HR 571 Airline Customer Notification Act HR 757 Airport Congestion Relief Act of 2001 HR 761 Airliner Merger Moratorium Act of 2001 HR 903 Commission for Comprehensive Review of the Federal Aviation Adminstration Act HR 907 Airline Competition and Passenger Rights Act of 2001 HR 1074 Consumer-Friendly Airline Ticket Transfer Act HR 1288 A bill to amend title 49, US Code, relating to the airport noise and access review program HR 1407 A bill to amend title 49, US Code, to permit air carriers to meet and discuss their schedules in order to reduce flight delays, and for other purposes HR 1686 A bill to amend title 49, US Code, to limit the Federal Aviation Administration's authority to establish examination requirements for pilots, other than pilots involved in commercial operations HR 1734 Airline Passenger Bill of Rights Act HR 1741 A bill to direct the secretary of Transportation to prohibit the commercial operation of supersonic transport category aircraft that do not comply with stage three noise levels HR 1792 Airline Customer Service Improvement Act HR 2107 End Gridlock at our Nation's Critical Airports Act of 2001 HR 2158 Aircraft Clean Air Act of 2001 HR 2387 A bill to amend title 49, US Code, to preserve nonstop air service to and from Ronald Reagan Washington National Airport for certain communities in cases of airline bankruptcy HR 2429 LAX Noise Community Accountability Act HR 2430 Aircraft Noise Compensation Act HR 2895 Aviation Security Enhancement Act of 2001 HR 2896 Anti-Terrorism Act of 2001 HR 2913 Aviation Security Improvment Act of 2001 HR 2926 Air Transportation Safety and System Stabilization Act HR 2951 Aviation Security Act HR 2975 Provide Appropriate Tools Required to Intercept and Obstuct Terrorist (PATRIOT) Act of 2001 HR 3064 Airline Security Act of 2001 HR 3101 Aviation Security Technology Enhancement Act HR 3110 Transportation Security Enhancement Act of 2001 HR 3120 Airline Check for Terrorist Act HR 3150 Airport Security Federalization Act of 2001 HR 3162 Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (USA PATRIOT) Act of 2001 HR 3165 Aviation Security Act HR 3479 National Aviation Capacity Expansion Act H Res. 274 Providing for consideration of the bill (HR 3150) to improve aviation security and for other purposes S 199 Airline Competition Preservation Act of 2001 S 200 Air Travelers Fair Treatment Act of 2001 S 319 Airline Customer Service Improvement Act S 361 Age limitations for airmen S 415 Aviation Competition Restoration Act S 483 Fair Treatment of Airline Passengers Act S 578 Airliner Merger Moratorium Act S 633 Aviation Delay Prevention Act S 688 A bill to amend title 49, US Code, relating to the airport noise and access review program S 1133 A bill to amend title 49, US Code, to preserve nonstop air service to and from Ronald Reagan Washington National Airport for certain communities in case of airline bankruptcy S 1421 Emergency Aviation Security Act of 2001 S 1429 Airport and Seaport terrorism Prevention Act S 1444 Federal Air Marshal and Safe Sky Act S 1447 Aviation Security Act S 1461 Airline Passenger Safety Enhancement Act of 2001 S 1463 Airline Safety Act of 2001 S 1473 To amend title 49, US Code, to provide for the enhancement of security at airports in the United States S 1786 National Aviation Capacity Expansion Act ---------- Aviation alliance/merger issues (AA/BA and US/UA) Predatory Pricing Guideline issues Government and Military travel contract issues and policies US/UK Open Skies E.C. Alliance Approval US-Hong Kong civil aviation negotiations US-China civil aviation negotiations US-Philippines civil aviation negotiations US-France civil aviation negotiations US-Russia civil aviation negotiations NW/KL Alliance issues Winter Slot Relief issues Narita Airport issues Japan Bilateral issues

HR 3162, S 1510

Client expense: $400,000 · Firm income: Not reported