To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes.

Eliminate Privacy Notice Confusion Act (H.R. 5817);Privacy notice disclosures for financial institutions; Housing finance reform; Mortgage lending; Strategic default on mortgage loans; Mortgage bankruptcy cram-down; Federal Home Loan Bank Oversight Issues; Legislation to extend the Transaction Account Guarantee program at community banks and the corresponding program at credit unions for non-interest bearing transaction accounts (S.3637); Non-interest bearing transaction accounts; Credit union member business lending; Small Business Lending Enhancement Act of 2011(H.R. 1418); A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes (S. 2231); Interest on lawyers trust accounts; The credit union tax exemption; The credit union tax exemptions impact on the broader economy; Deficit reduction and efforts to change the corporate tax structure; Defense credit union issues; Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 3993); ATM disclosures; To amend the electronic funds transfer act to limit fee disclosure requirement for an automatic teller machine to the screen of that machine (H.R. 4367); Interchange fees; Data security; Cyber Security Flood insurance; Patent Reform; Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); Defense Base Closure and Realignment Closure Commission; Servicemembers Civil Relief Act; Military Lending Act; Military Family Home Protection Act (H.R. 5747); National Defense Authorization Act for Fiscal Year 2013 (H.R.4310); To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures (H.R.1263); Fairness for Military Homeowners Act of 2012 (H.R.4740); Military Savings Act of 2012 (H.R. 5946); Protecting Servicemembers from Mortgage Abuses Act of 2011 (S.486); Servicemember Housing Protection Act of 2012 (S.3179); Servicemembers' Protection Act of 2012 (S.3322); Military Family Home Protection Act (S. 3323); A bill to amend title 10, United States Code, to provide for relief in civil actions for violations of the protections on credit extended to members of the Armed Forces and their dependents (S.3207); National Defense Authorization Act for Fiscal Year 2013 (S. 3254); Regulatory relief for credit unions; Confidentiality of information shared between financial institutions and the CFPB; Proprietary Information Protection Act of 2012 (H.R. 3871); A bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (S. 2099); A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, and for other purposes (S. 3394); A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes (S. 3204); Student loan interest rates; Federal Student Loans; Private student loans; Exam Fairness issues for credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 3461); Financial Institutions Examination Fairness and Reform Act (S. 2160); Small Business Administration loan guarantee and lending programs; Predatory lending and payday-alternative loans; Changes to Regulation Z, implementing the Truth in Lending Act (prompt crediting of payments and payoff statements; rate adjustment notices; initial rate adjustment notice; periodic statement requirement); Changes to Regulation X, implementing the Real Estate Settlement Procedures Act (error resolution and information requests; force placed insurance); CFPBs proposed rule to combine mortgage disclosures required under the Truth in Lending Act and the Real Estate Settlement Procedures Act; Mortgage servicing; Encouraging regulatory compliance with the Small Business Regulatory Enforcement Fairness Act during agency rulemaking; Requirements under Regulation E for dual Automated Teller Machine fee disclosures; Joint rule on appraisals for higher risk mortgage loans; Financial education at credit unions; Loan originator compensation and appraisal forms; Qualified mortgages; Effective dates of mortgage-related rules from the Consumer Financial Protection Bureau; Proposed rule to amend Regulation B, the Equal Credit Opportunity Act with respect to appraisals and valuations; The Consumer Financial Protection Bureaus strategic plan; Regulatory capital requirements and implementation of Basel III; Federal Housing Finance Agency proposal to adjust changes by Fannie Mae and Freddie Mac on mortgage loans for single-family units in five states; Development of Infrastructure for the Secondary Mortgage Market; Housing finance reform; The Federal Housing Administrations and FHA Mutual Mortgage Insurance Fund audit report; Greater transparency for ACH-based person-to-person payments; National Credit Union Administrations 2013 operating budget; Amount of time that a credit union has to accept a designation as low-income; Certain changes to the credit union Profile and the 5300 Call Report; The definition of rural district for purposes of a community charter; Asset threshold for the definition of a small entity status; Treasury Inflation Protected Securities; Small Business Administrations rule to increase small business size standards for credit unions; Federal Housing Finance Agency guarantee fee increases.

Client expense: $800,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Improvements in uniformed personnel programs, compensation, and benefits. H.R. 115, H.R. 179, H.R. 181, H.R. 186, H.R. 303, H.R. 333, H.R. 493, H.R. 687, H.R. 1092, 1110, H.R. 1263, H.R. 1283, H.R. 1297, H.R. 2288, H.R. 3016, H.R. 4310, H.R. 4329, H.R. 4341, H.R. 5747, H.R. 6266, H.R. 6574, S. 344, S. 724, S. 866, S. 1104, S. 1852, S. 1990, S. 2179, S. 2213, S. 3203, S. 3254, S. 3254, S. 3322, S. 3340, S. 3452

Client expense: $497,514 · Firm income: Not reported

HR 5747, HR 1263, S 3179, S 2299 - discussed Veterans hiring and compliance with the Servicemembers Civil Relief Act.

Client expense: $1,440,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

Qualified Mortgages mortgage loan data the Consumer Financial Protection Bureau (CFPB) received from the Federal Housing Finance Agency (FHFA), and legal protections afforded to lenders under the ability-to-repay rule; Qualified mortgage (QM) definition; Qualified Residential Mortgage (QRM) definition; CFPBs proposed disclosure policy regarding financial products and services; CFPBs advanced notice of proposed rulemaking on (ANPR) on general purpose, reloadable, prepaid cards (GPR cards); CFPBs proposed rules for asserting supervisory authority over nonbank entities; CFPBs request for information (RFI) regarding senior financial exploitation; CFPBs request for information on reverse mortgages; CFPBs proposed changes to the Home Ownership Equity Protection Act; CFPBs proposed changes to the definition of finance charge; The National Credit Union Administrations (NCUAs) 2012 mid-year budget review; NCUAs 2012 regulatory review; NCUAs Federal Credit Union Bylaws; Issues discussed during NCUA listening sessions including: examinations, member business lending, definition of rural district, small and low-income credit unions, investment powers, sources of income for certain credit unions, credit union services organizations and loan participations, short-term small amount loans, and issues related to Allowance for Lean and Loan Losses; NCUA proposed changes to the finance charge in Regulation Z; NCUAs proposed rule requiring federally-insured credit unions to maintain access to emergency liquidity; NCUAs proposed changes to the definition of a troubled condition; FHFAs proposed rule regarding Enterprise Housing Goals for the years 2012-2014; FHFA sought input on use of eminent domain to restructure performing loans; Commodity Futures Trading Commission (CFTC) proposed rule regarding swap clearing exemptions for cooperatives; Financial Accounting Standards Boards (FASB) draft on disclosures about liquidity risk and interest rate risk; The Electronic Payments Association (NACHA) regarding international ACH transactions (IAT) entries; NACHA regarding various compliance and operation topics including proof of authorization for non-consumer debit entries, stop payments, and notifications of change for single entry transactions; Remittance transfers; CFPBs database to disclose credit card complaints the Bureau receives from consumers; CFPBs proposed rule on mortgage loan origination compensation; Joint-agency proposed rule regarding appraisal requirements for higher-risk mortgages; Credit union tax exemption; Unrelated business income tax; Dodd-Frank Wall Street Reform and Consumer Financial Protection Act [P.L. 111-203]; Non-interest bearing transaction accounts; Interest on Lawyers Trust Accounts; ATM fees and the Electronic Funds Transfer Act; H.R. 4367 - To amend the Electronic Fund Transfer Act to limit the fee disclosure requirement for an automatic teller machine to the screen of that machine; Access to supplemental capital for certain credit unions; H.R. 3993 - Capital Access for Small Businesses and Jobs Act; Prompt corrective action (PCA) rules; Regulatory relief for credit unions; Coordination among members of the Financial Stability Oversight Council to facilitate regulatory coordination among member agencies; Cyber security; Data security; H.R. 2577 Secure and Fortify Data Act of 2011; S. 1434 Data Security Act of 2011; H.R. 1151 Personal Data Privacy Act of 2011; S. 1207 Data Security and Breach Notification Act of 2011; S. 1535 Personal Data Protection and Breach Accountability Act of 2011; S. 1408 Data Breach Notification Act of 2011; S. 3414 Cyber Security Act of 2012; S.Amdt. 2641 to S. 3414 (Carper-Blunt); Patent Reform; Mortgage loan disclosure forms; Truth in Lending Act (TILA);The Real Estate Settlement Procedures Act (RESPA); Small Business Regulatory Enforcement Fairness Act; Fannie Mae and Freddie Mac and the future of the Government Sponsored Enterprises; Housing Finance Reform; Small lender access to the Government Sponsored Enterprises; Confidentiality of information shared between financial institutions and the CFPB; H.R. 3871 Proprietary Information Protection Act of 2012; S.2099 - A bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection; S.3394 - A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, and for other purposes; S.3204 - A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes; Student loan interest rates; Federal Student Loans; Private student loans; Exam Fairness issues for credit unions; H.R. 3461 - Financial Institutions Examination Fairness and Reform Act; S. 2160 - Financial Institutions Examination Fairness and Reform Act; Credit union member business lending; H.R. 1418 - Small Business Lending Enhancement Act of 2011 S. 2231 - A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; Credit card interchange fees; Debit card interchange fees; H.R. 3156 Consumer Debit Card Protection Act; Flood insurance; Strategic defaults on mortgage loans; Mortgage bankruptcy cram-down; Federal Home Loan Bank Oversight Issues; Small Business Administration loan guarantee and lending programs; Service members Civil Relief Act; Base Realignment and Closure Commission; Military Lending Act; Military Family Home Protection Act (H.R. 5747);National Defense Authorization Act for Fiscal Year 2013 (H.R. 4310); To amend the Service members Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263); National Defense Authorization Act for Fiscal Year 2012 (H.R. 1540); Fairness for Military Homeowners Act of 2012 (H.R. 4740); Military Savings Act of 2012 (H.R. 5946); Protecting Service members from Mortgage Abuses Act of 2011 (S. 486); Hiring Heroes Act of 2011 (S. 951); National Defense Authorization Act for Fiscal Year 2012 (S. 1253); Department of Defense Authorization Act for Fiscal Year 2012 (S. 1254); National Defense Authorization Act for Fiscal Year 2012 (S. 1867); Service member Housing Protection Act of 2012 (S. 3179); Service members' Protection Act of 2012 (S. 3322); Military Family Home Protection Act (S. 3323); Bill to amend title 10, United States Code, to provide for relief in civil actions for violations of the protections on credit extended to members of the Armed Forces and their dependents (S. 3207); Family and Business Tax Cut Certainty Act (S. 3521).

Qualified Mortgages mortgage loan data the Consumer Financial Protection Bureau (CFPB) received from the Federal Housing Finance Agency (FHFA), and legal protections afforded to lenders under the ability-to-repay rule; Qualified mortgage (QM) definition; Qualified Residential Mortgage (QRM) definition; CFPBs proposed disclosure policy regarding financial products and services; CFPBs advanced notice of proposed rulemaking on (ANPR) on general purpose, reloadable, prepaid cards (GPR cards); CFPBs proposed rules for asserting supervisory authority over nonbank entities; CFPBs request for information (RFI) regarding senior financial exploitation; CFPBs request for information on reverse mortgages; CFPBs proposed changes to the Home Ownership Equity Protection Act; CFPBs proposed changes to the definition of finance charge; The National Credit Union Administrations (NCUAs) 2012 mid-year budget review; NCUAs 2012 regulatory review; NCUAs Federal Credit Union Bylaws; Issues discussed during NCUA listening sessions including: examinations, member business lending, definition of rural district, small and low-income credit unions, investment powers, sources of income for certain credit unions, credit union services organizations and loan participations, short-term small amount loans, and issues related to Allowance for Lean and Loan Losses; NCUA proposed changes to the finance charge in Regulation Z; NCUAs proposed rule requiring federally-insured credit unions to maintain access to emergency liquidity; NCUAs proposed changes to the definition of a troubled condition; FHFAs proposed rule regarding Enterprise Housing Goals for the years 2012-2014; FHFA sought input on use of eminent domain to restructure performing loans; Commodity Futures Trading Commission (CFTC) proposed rule regarding swap clearing exemptions for cooperatives; Financial Accounting Standards Boards (FASB) draft on disclosures about liquidity risk and interest rate risk; The Electronic Payments Association (NACHA) regarding international ACH transactions (IAT) entries; NACHA regarding various compliance and operation topics including proof of authorization for non-consumer debit entries, stop payments, and notifications of change for single entry transactions; Remittance transfers; CFPBs database to disclose credit card complaints the Bureau receives from consumers; CFPBs proposed rule on mortgage loan origination compensation; Joint-agency proposed rule regarding appraisal requirements for higher-risk mortgages; Credit union tax exemption; Unrelated business income tax; Dodd-Frank Wall Street Reform and Consumer Financial Protection Act [P.L. 111-203]; Non-interest bearing transaction accounts; Interest on Lawyers Trust Accounts; ATM fees and the Electronic Funds Transfer Act; H.R. 4367 - To amend the Electronic Fund Transfer Act to limit the fee disclosure requirement for an automatic teller machine to the screen of that machine; Access to supplemental capital for certain credit unions; H.R. 3993 - Capital Access for Small Businesses and Jobs Act; Prompt corrective action (PCA) rules; Regulatory relief for credit unions; Coordination among members of the Financial Stability Oversight Council to facilitate regulatory coordination among member agencies; Cyber security; Data security; H.R. 2577 Secure and Fortify Data Act of 2011; S. 1434 Data Security Act of 2011; H.R. 1151 Personal Data Privacy Act of 2011; S. 1207 Data Security and Breach Notification Act of 2011; S. 1535 Personal Data Protection and Breach Accountability Act of 2011; S. 1408 Data Breach Notification Act of 2011; S. 3414 Cyber Security Act of 2012; S.Amdt. 2641 to S. 3414 (Carper-Blunt); Patent Reform; Mortgage loan disclosure forms; Truth in Lending Act (TILA);The Real Estate Settlement Procedures Act (RESPA); Small Business Regulatory Enforcement Fairness Act; Fannie Mae and Freddie Mac and the future of the Government Sponsored Enterprises; Housing Finance Reform; Small lender access to the Government Sponsored Enterprises; Confidentiality of information shared between financial institutions and the CFPB; H.R. 3871 Proprietary Information Protection Act of 2012; S.2099 - A bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection; S.3394 - A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, and for other purposes; S.3204 - A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes; Student loan interest rates; Federal Student Loans; Private student loans; Exam Fairness issues for credit unions; H.R. 3461 - Financial Institutions Examination Fairness and Reform Act; S. 2160 - Financial Institutions Examination Fairness and Reform Act; Credit union member business lending; H.R. 1418 - Small Business Lending Enhancement Act of 2011 S. 2231 - A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; Credit card interchange fees; Debit card interchange fees; H.R. 3156 Consumer Debit Card Protection Act; Flood insurance; Strategic defaults on mortgage loans; Mortgage bankruptcy cram-down; Federal Home Loan Bank Oversight Issues; Small Business Administration loan guarantee and lending programs; Service members Civil Relief Act; Base Realignment and Closure Commission; Military Lending Act; Military Family Home Protection Act (H.R. 5747);National Defense Authorization Act for Fiscal Year 2013 (H.R. 4310); To amend the Service members Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263); National Defense Authorization Act for Fiscal Year 2012 (H.R. 1540); Fairness for Military Homeowners Act of 2012 (H.R. 4740); Military Savings Act of 2012 (H.R. 5946); Protecting Service members from Mortgage Abuses Act of 2011 (S. 486); Hiring Heroes Act of 2011 (S. 951); National Defense Authorization Act for Fiscal Year 2012 (S. 1253); Department of Defense Authorization Act for Fiscal Year 2012 (S. 1254); National Defense Authorization Act for Fiscal Year 2012 (S. 1867); Service member Housing Protection Act of 2012 (S. 3179); Service members' Protection Act of 2012 (S. 3322); Military Family Home Protection Act (S. 3323); Bill to amend title 10, United States Code, to provide for relief in civil actions for violations of the protections on credit extended to members of the Armed Forces and their dependents (S. 3207); Family and Business Tax Cut Certainty Act (S. 3521).

HR4051-112TAP Modernization Act of 2012 S2116-112Military and Veterans Education Protection Act S3457-112Veterans Jobs Corps Act of 2012 HR6445-112Recovering Service Members Disability Benefits Act S2246-112TAP Modernization Act of 2012 HR2433-112Veterans Opportunity to Work Act of 2011 S2241-112GI Bill Consumer Awareness Act of 2012 HR2344-112Prisoner Incentive Act of 2011 S146-112Veteran Employment Transition Act of 2011 HJRES117-112Continuing Appropriations Resolution, 2013 S951-112Hiring Heroes Act of 2011 S1204-112Department of Defense Energy Security Act of 2011 S1264-112Veteran Voting Support Act of 2011 HR26-112Veterans Mental Health Screening and Assessment Act S1272-112Southern New Mexico and El Paso, Texas, Veterans Traumatic Brain Injury Care Improvement Act of 2011 HR178-112Military Surviving Spouses Equity Act HR1260-112Support for Survivors Act HR4287-112To amend title 38, United States Code, to expand the definition of homeless veteran for purposes of benefits under the laws administered by the Secretary of Veterans Affairs. HR3435-112Sexual Assault Training Oversight and Prevention Act HR1517-112Holley Lynn James Act HR117-112HELP Veterans Act of 2011 HR24-112To redesignate the Department of the Navy as the Department of the Navy and Marine Corps. S1465-112Joining Forces for Military Mental Health Act S1254-112Department of Defense Authorization Act for Fiscal Year 2012 HR1-112Full-Year Continuing Appropriations Act, 2011 S1391-112A bill to amend title 38, United States Code, to improve the disability compensation evaluation procedure of the Secretary of Veterans Affairs for veterans with post-traumatic stress disorder or mental health conditions related to military sexual trauma, HR120-112Disabled Veterans' Surviving Spouses Home Loans Act HR169-112To require the Secretary of Veterans Affairs to include on the main page of the Internet website of the Department of Veterans Affairs a hyperlink to the VetSuccess Internet website and to publicize such Internet website. S1365-112Protecting Military Pay Act of 2011 HR2600-112National Pediatric Acquired Brain Injury Plan Act of 2011 S1256-112Department of Energy National Security Act of 2012 HR179-112To amend title 10, United States Code, to eliminate the requirement that certain former members of the reserve components of the Armed Forces be at least 60 years of age in order to be eligible to receive health care benefits. S1214-112MARCH for Military Women Act S1172-112A bill to amend title 38, United States Code, to improve the efficiency of the appeals process under the United States Court of Appeals for Veterans Claims by improving staff conferences directed by such Court, and for other purposes. S1314-112A bill to amend title 38, United States Code, to require the Secretary of Labor to establish minimum funding levels for States for the support of disabled veterans' outreach program specialists and local veterans' employment representatives, and for other S1253-112National Defense Authorization Act for Fiscal Year 2012 HR115-112CHAMPVA Children's Protection Act of 2011 HR28-112Veterans Outreach Improvement Act of 2011 HR152-112National Guard Border Enforcement Act HR159-112TBI Treatment Act S1148-112Veterans Programs Improvement Act of 2011 S1255-112Military Construction Authorization Act for Fiscal Year 2012 S1184-112A bill to amend title 38, United States Code, to revise the enforcement penalties for misrepresentation of a business concern as a small business concern owned and controlled by veterans or as a small business concern owned and controlled by service-disab HR136-112To amend the Internal Revenue Code of 1986 to allow taxpayers to designate a portion of their income tax payment to provide assistance to homeless veterans, and for other purposes. HR46-112Fallen Heroes Family Act of 2011 S3234-112A bill to amend the Internal Revenue Code of 1986 to extend the time period for contributing military death gratuities to Roth IRAs and Coverdell education savings accounts. S1728-112Stolen Valor Act of 2011 HR4072-112Consolidating Veteran Employment Services for Improved Performance Act of 2012 S3254-112National Defense Authorization Act for Fiscal Year 2013 HR4310-112National Defense Authorization Act for Fiscal Year 2013 HR930-112To amend title 38, United States Code, to improve the disability compensation evaluation procedure of the Secretary of Veterans Affairs for veterans with post-traumatic stress disorder or mental health conditions related to military sexual trauma, and for S1963-111Caregivers and Veterans Omnibus Health Services Act of 2010 HR1263-112To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes. HR2274-112To amend title 38, United States Code, to direct the Secretary of Veterans Affairs and the Secretary of Defense to submit to Congress annual reports on the Post-9/11 Educational Assistance Program, and for other purposes. HR802-112A bill to amend title 38, United States Code, to direct the Secretary of Veterans Affairs to establish a VetStar Award Program. HR1383-112Restoring GI Bill Fairness Act of 2011 HR1657-112To amend title 38, United States Code, to revise the enforcement penalties for misrepresentation of a business concern as a small business concern owned and controlled by veterans or as a small business concern owned and controlled by service-disabled vet S3322-112Servicemembers' Protection Act of 2012 HR2329-112Ensuring a Response for Servicemembers Act HR2345-112To amend title 38, United States Code, to extend the authorization of appropriations for the Secretary of Veterans Affairs to pay a monthly assistance allowance to disabled veterans training or competing for the Paralympic Team and the authorization of ap HR240-112To amend title 38, United States Code, to promote jobs for veterans through the use of sole source contracts by Department of Veterans Affairs for purposes of meeting the contracting goals and preferences of the Department of Veterans Affairs for small bu HR2301-112Streamlining Education Claims Processing Act of 2011 HR1911-112Protecting Veterans' Homes Act HR573-112To amend section 310 of the Supplemental Appropriations Act, 2009 to extend the period of time during which claims for retroactive stop-loss special pay may be submitted. HR674-1123% Withholding Repeal and Job Creation Act S2259-112Veterans' Compensation Cost-of-Living Adjustment Act of 2012 HR4124-112Veteran Emergency Medical Technician Support Act of 2012 HR3524-112Disabled Veterans Employment Protection Act HR4048-112Improving Contracting Opportunities for Veteran-Owned Small Businesses Act of 2012 HR3483-112Veterans Education Equity Act of 2011 HR3337-112Open Burn Pit Registry Act of 2011 HR3723-112Enhanced Veteran Healthcare Experience Act of 2011 HR3279-112To amend title 38, United States Code, to clarify that caregivers for veterans with serious illnesses are eligible for assistance and support services provided by the Secretary of Veterans Affairs. HR1460-112To provide for automatic enrollment of veterans returning from combat zones into the VA medical system, and for other purposes. HR3016-112To direct the Secretary of Defense and the Secretary of Veterans Affairs to jointly operate the Federal Recovery Coordination Program, and for other purposes. HR4079-112Safe Housing for Homeless Veterans Act HR3895-112Protect VA Healthcare Act of 2012 HR3610-112Streamlining Workforce Development Programs Act of 2011 HR3670-112To require the Transportation Security Administration to comply with the Uniformed Services Employment and Reemployment Rights Act. HR3329-112To amend title 38, United States Code, to extend the eligibility period for veterans to enroll in certain vocational rehabilitation programs. S3233-112Servicemembers Access to Justice Act of 2012 S658-112Support for Survivors Act S2179-112Military and Veterans Educational Reform Act of 2012 S3340-112Mental Health ACCESS Act of 2012 HR4057-112Improving Transparency of Education Opportunities for Veterans Act of 2012 HR4055-112Military and Veterans Education Protection Act S3049-112A bill to amend title 39, United States Code, to expand the definition of homeless veteran for purposes of benefits under the laws administered by the Secretary of Veterans Affairs. S3236-112Servicemember Employment Protection Act of 2012 HR4052-112Recognizing Excellence in Veterans Education Act of 2012 S2296-112Protecting Financial Aid for Students and Taxpayers Act HR6101-112Student Veteran Academic Counseling Enhancement Act S3474-112Protecting Students from Worthless Degrees Act HR1801-112Risk-Based Security Screening for Members of The Armed Forces Act HR1775-112Stolen Valor Act of 2012 S1867-112National Defense Authorization Act for Fiscal Year 2012

Improvements in uniformed personnel programs, compensation, and benefits. H.R. 115, H.R. 179, H.R. 181, H.R. 493, H.R. 1046, H.R. 1263, H.R. 1283, H.R. 2259, H.R. 2259, H.R. 3016, H.R. 4310, H.R. 4329, H.R. 4341, H.R. 5747, H.R. 5856, H.R. 6266, H. J. Res. 117, S. 697, S. 866, S. 1104, S.1852, S. 1990, S. 2112, S.2179, S.2299, S. 3203, S. 3254, S. 3322, S. 3340

Client expense: $381,622 · Firm income: Not reported

HR 5747, HR 1263, S 3179, S 2299 - discussed Veterans hiring and compliance with the Servicemembers Civil Relief Act.

Client expense: $1,540,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

HR1-112Full-Year Continuing Appropriations Act, 2011 HR115-112CHAMPVA Children's Protection Act of 2011 HR117-112HELP Veterans Act of 2011 HR120-112Disabled Veterans' Surviving Spouses Home Loans Act HR1260-112Support for Survivors Act HR1263-112To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes. HR136-112To amend the Internal Revenue Code of 1986 to allow taxpayers to designate a portion of their income tax payment to provide assistance to homeless veterans, and for other purposes. HR1383-112Restoring GI Bill Fairness Act of 2011 HR1460-112To provide for automatic enrollment of veterans returning from combat zones into the VA medical system, and for other purposes. HR1517-112Holley Lynn James Act HR152-112National Guard Border Enforcement Act HR159-112TBI Treatment Act HR1657-112To amend title 38, United States Code, to revise the enforcement penalties for misrepresentation of a business concern as a small business concern owned and controlled by veterans or as a small business concern owned and controlled by service-disabled vet HR169-112To require the Secretary of Veterans Affairs to include on the main page of the Internet website of the Department of Veterans Affairs a hyperlink to the VetSuccess Internet website and to publicize such Internet website. HR178-112Military Surviving Spouses Equity Act HR179-112To amend title 10, United States Code, to eliminate the requirement that certain former members of the reserve components of the Armed Forces be at least 60 years of age in order to be eligible to receive health care benefits. HR1801-112Risk-Based Security Screening for Members of The Armed Forces Act HR1911-112Protecting Veterans' Homes Act HR2274-112To amend title 38, United States Code, to direct the Secretary of Veterans Affairs and the Secretary of Defense to submit to Congress annual reports on the Post-9/11 Educational Assistance Program, and for other purposes. HR2301-112Streamlining Education Claims Processing Act of 2011 HR2329-112Ensuring a Response for Servicemembers Act HR2344-112Prisoner Incentive Act of 2011 HR2345-112To amend title 38, United States Code, to extend the authorization of appropriations for the Secretary of Veterans Affairs to pay a monthly assistance allowance to disabled veterans training or competing for the Paralympic Team and the authorization of ap HR24-112To redesignate the Department of the Navy as the Department of the Navy and Marine Corps. HR240-112To amend title 38, United States Code, to promote jobs for veterans through the use of sole source contracts by Department of Veterans Affairs for purposes of meeting the contracting goals and preferences of the Department of Veterans Affairs for small bu HR2433-112Veterans Opportunity to Work Act of 2011 HR26-112Veterans Mental Health Screening and Assessment Act HR28-112Veterans Outreach Improvement Act of 2011 HR3016-112To direct the Secretary of Defense and the Secretary of Veterans Affairs to jointly operate the Federal Recovery Coordination Program, and for other purposes. HR3279-112To amend title 38, United States Code, to clarify that caregivers for veterans with serious illnesses are eligible for assistance and support services provided by the Secretary of Veterans Affairs. HR3329-112To amend title 38, United States Code, to extend the eligibility period for veterans to enroll in certain vocational rehabilitation programs. HR3337-112Open Burn Pit Registry Act of 2011 HR3435-112Sexual Assault Training Oversight and Prevention Act HR3483-112Veterans Education Equity Act of 2011 HR3524-112Disabled Veterans Employment Protection Act HR3610-112Streamlining Workforce Development Programs Act of 2011 HR3670-112To require the Transportation Security Administration to comply with the Uniformed Services Employment and Reemployment Rights Act. HR3723-112Enhanced Veteran Healthcare Experience Act of 2011 HR3895-112Protect VA Healthcare Act of 2012 HR4048-112Improving Contracting Opportunities for Veteran-Owned Small Businesses Act of 2012 HR4051-112TAP Modernization Act of 2012 HR4052-112Recognizing Excellence in Veterans Education Act of 2012 HR4055-112Military and Veterans Education Protection Act HR4057-112Improving Transparency of Education Opportunities for Veterans Act of 2012 HR4072-112Consolidating Veteran Employment Services for Improved Performance Act of 2012 HR4079-112Safe Housing for Homeless Veterans Act HR4287-112To amend title 38, United States Code, to expand the definition of homeless veteran for purposes of benefits under the laws administered by the Secretary of Veterans Affairs. HR4310-112National Defense Authorization Act for Fiscal Year 2013 HR46-112Fallen Heroes Family Act of 2011 HR573-112To amend section 310 of the Supplemental Appropriations Act, 2009 to extend the period of time during which claims for retroactive stop-loss special pay may be submitted. HR674-1123% Withholding Repeal and Job Creation Act HR802-112A bill to amend title 38, United States Code, to direct the Secretary of Veterans Affairs to establish a VetStar Award Program. HR930-112To amend title 38, United States Code, to improve the disability compensation evaluation procedure of the Secretary of Veterans Affairs for veterans with post-traumatic stress disorder or mental health conditions related to military sexual trauma, and for S1148-112Veterans Programs Improvement Act of 2011 S1172-112A bill to amend title 38, United States Code, to improve the efficiency of the appeals process under the United States Court of Appeals for Veterans Claims by improving staff conferences directed by such Court, and for other purposes. S1184-112A bill to amend title 38, United States Code, to revise the enforcement penalties for misrepresentation of a business concern as a small business concern owned and controlled by veterans or as a small business concern owned and controlled by service-disab S1204-112Department of Defense Energy Security Act of 2011 S1214-112MARCH for Military Women Act S1253-112National Defense Authorization Act for Fiscal Year 2012 S1254-112Department of Defense Authorization Act for Fiscal Year 2012 S1255-112Military Construction Authorization Act for Fiscal Year 2012 S1256-112Department of Energy National Security Act of 2012 S1264-112Veteran Voting Support Act of 2011 S1272-112Southern New Mexico and El Paso, Texas, Veterans Traumatic Brain Injury Care Improvement Act of 2011 S1314-112A bill to amend title 38, United States Code, to require the Secretary of Labor to establish minimum funding levels for States for the support of disabled veterans' outreach program specialists and local veterans' employment representatives, and for other S1365-112Protecting Military Pay Act of 2011 S1391-112A bill to amend title 38, United States Code, to improve the disability compensation evaluation procedure of the Secretary of Veterans Affairs for veterans with post-traumatic stress disorder or mental health conditions related to military sexual trauma S146-112Veteran Employment Transition Act of 2011 S1465-112Joining Forces for Military Mental Health Act S1728-112Stolen Valor Act of 2011 S1867-112National Defense Authorization Act for Fiscal Year 2012 S1963-111Caregivers and Veterans Omnibus Health Services Act of 2010 S2116-112Military and Veterans Education Protection Act S2179-112Military and Veterans Educational Reform Act of 2012 S2241-112GI Bill Consumer Awareness Act of 2012 S2246-112TAP Modernization Act of 2012 S2296-112Protecting Financial Aid for Students and Taxpayers Act S3234-112A bill to amend the Internal Revenue Code of 1986 to extend the time period for contributing military death gratuities to Roth IRAs and Coverdell education savings accounts. S951-112Hiring Heroes Act of 2011

Consumer Financial Protection Bureau international remittance transfers; Consumer Financial Protection Bureau treatment of privileged information; Consumer Financial Protection Bureau consolidating disclosures required under the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA);Consumer Financial Protection Bureau defining larger participants in the financial services market; Consumer Financial Protection Bureau credit card fees and technical concern regarding an example that the CFPB included in the Official Interpretations; Consumer Financial Protection Bureau overdraft protection programs; Consumer Financial Protection Bureau arbitration agreements; Consumer Financial Protection Bureau request for comment on regulatory streamlining; Financial Crimes Enforcement Network requiring credit unions and other institutions to adopt a customer due diligence program; National Credit Union Administration independent authority for credit unions to engage in derivatives; National Credit Union Administration future of the Central Liquidity Facility and plans for and implementation of reform of the Central Liquidity Facility; National Credit Union Administration consequences of the financial situation in Europe; Treasury Department regulatory coordination among members of the Financial Stability Oversight Council; Home Ownership and Equity Protection Act;Mortgage origination and mortgage servicing standards; Escrow accounts;National Credit Union Administrations review of regulations;National Credit Union Administrations Regulatory Flexibility (RegFlex) Program; Electronic Funds Transfer Act and its implementing rule (Regulation E 12 CRF 1005.16);National Credit Union Administrations exam process;Adverse action notices required under Regulation B (Equal Credit Opportunity Act) and Regulation V (Fair Credit Reporting Act);Cost benefit analysis required at federal agencies , impact on small entities;Regulatory Accountability Act of 2011, a bill to modernize the Administrative Procedures Act; Qualified Residential Mortgage (QRM) definition; Bill to repeal an Electronic Funds Transfer Act provision requiring dual signage in disclosing ATM fees (H.R. 4367 / S.3204); Cyber Security;Data security; Secure and Fortify Data (SAFE) Act of 2011 (H.R. 2577); Data Security Act of 2011 (S. 1434); Personal Data Privacy and Security Act of 2011 (S. 1151); Data Security and Breach Notification Act of 2011 (S. 1207); Personal Data Protection and Breach Accountability Act of 2011 (S. 1535); Data Breach Notification Act of 2011 (S. 1408); Patent Reform; The Leahy-Smith America Invents Act (H.R. 1249); America Invents Act (S.23); The Dodd Frank Act (P.L. No. 111-203) as it relates to the credit rating industry; Responsible Consumer Financial Protection Regulations Act of 2011 (S. 737); The Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 4173 - P.L. 111-203);To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 87); The Responsible Consumer Financial Protection Regulations Act of 2011(H.R. 1121); Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (H.R. 1315);Bureau of Consumer Financial Protection Transfer Clarification Act (H.R. 1667); Supplement capital; Capital Access for Small Businesses and Jobs Act (H.R. 3993); To amend the Federal Deposit Insurance Act with respect to information provided to the Consumer Financial Protection Bureau (H.R. 3871 / H.R. 4014 / S. 2099); Government Sponsored Enterprise reform; Small lender access to the government sponsored enterprises;Guarantee fees charged to lenders by the housing Government Sponsored Enterprises; Strategic defaults on mortgage loans;Principal reduction on mortgage loans; Mortgage bankruptcy cram-down;Federal Home Loan Bank Oversight Issues; Flood Insurance; The National Flood Insurance Program; Flood Insurance Reform Act of 2011 (H.R. 1309); An original bill to amend the National Flood Insurance Act of 1968, to restore the financial solvency of the flood insurance fund, and for other purposes (S.1940); S.Amdt.2468 to S. 1940 in the nature of a substitute; Map -21 (H.R. 4348 / became law No. 112-141); Student loans; Clarifying existing law with respect to existing law by explicitly allowing lenders to collect premiums for force-placed flood insurance during the 45-day notification period if borrowers let policies lapse; credit union tax exemption; Federal Reserves final rule on the CARD Acts ability to repay requirement; FY 2013 Financial Services Spending bills (H.R.6020 / S.3301);Community Development Financial Institutions fund Appropriations; Community Development Revolving Loan Fund Appropriations; Lending ability of NCUAs Central Liquidity Fund;Regulatory directives stemming from the Dodd-Frank Wall Street Reform and Consumer Protection Act [P.L. 111-203]; Credit union members business lending cap; The Small Business Lending Enhancement Act (H.R. 1418 / S. 509 / S. 2231);The Communities First Act (H.R. 1697);Interchange fees; Debit interchange fees; Debit interchange repeal (H.R. 3156);Consumers Payment System Protection Act (H.R. 1081);Debit Interchange Fee Study Act (S. 575); Financial Institutions Examination Fairness and Reform Act (H.R. 3461/ S. 2160); Small Business Administration loan guarantee and lending programs; Small Business Administration Express program; Small Business Administration Patriot Express program; Restore Main Streets Credit Act (H.R. 4293); Small Business Administration 7(a) program; Small Business Administration 504 program; Credit Union Small Business Lending Act (H.R. 4191); Interest on Lawyers Trust Accounts;Non-Interest Bearing Transaction Accounts; Servicemembers Civil Relief Act; Base Realignment and Closure Commission;Military Lending Act;Military Family Home Protection Act (H.R. 5747);National Defense Authorization Act for Fiscal Year 2013 (H.R. 4310);To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263);National Defense Authorization Act for Fiscal Year 2012 (H.R. 1540); Fairness for Military Homeowners Act of 2012 (H.R. 4740);Military Savings Act of 2012 (H.R. 5946);Protecting Servicemembers from Mortgage Abuses Act of 2011 (S. 486); Hiring Heroes Act of 2011 (S. 951);National Defense Authorization Act for Fiscal Year 2012 (S. 1253);Department of Defense Authorization Act for Fiscal Year 2012 (S. 1254);National Defense Authorization Act for Fiscal Year 2012 (S. 1867);Servicemember Housing Protection Act of 2012 (S. 3179);Servicemembers' Protection Act of 2012 (S. 3322);Military Family Home Protection Act (S. 3323).

Consumer Financial Protection Bureau international remittance transfers; Consumer Financial Protection Bureau treatment of privileged information; Consumer Financial Protection Bureau consolidating disclosures required under the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA);Consumer Financial Protection Bureau defining larger participants in the financial services market; Consumer Financial Protection Bureau credit card fees and technical concern regarding an example that the CFPB included in the Official Interpretations; Consumer Financial Protection Bureau overdraft protection programs; Consumer Financial Protection Bureau arbitration agreements; Consumer Financial Protection Bureau request for comment on regulatory streamlining; Financial Crimes Enforcement Network requiring credit unions and other institutions to adopt a customer due diligence program; National Credit Union Administration independent authority for credit unions to engage in derivatives; National Credit Union Administration future of the Central Liquidity Facility and plans for and implementation of reform of the Central Liquidity Facility; National Credit Union Administration consequences of the financial situation in Europe; Treasury Department regulatory coordination among members of the Financial Stability Oversight Council; Home Ownership and Equity Protection Act;Mortgage origination and mortgage servicing standards; Escrow accounts;National Credit Union Administrations review of regulations;National Credit Union Administrations Regulatory Flexibility (RegFlex) Program; Electronic Funds Transfer Act and its implementing rule (Regulation E 12 CRF 1005.16);National Credit Union Administrations exam process;Adverse action notices required under Regulation B (Equal Credit Opportunity Act) and Regulation V (Fair Credit Reporting Act);Cost benefit analysis required at federal agencies , impact on small entities;Regulatory Accountability Act of 2011, a bill to modernize the Administrative Procedures Act; Qualified Residential Mortgage (QRM) definition; Bill to repeal an Electronic Funds Transfer Act provision requiring dual signage in disclosing ATM fees (H.R. 4367 / S.3204); Cyber Security;Data security; Secure and Fortify Data (SAFE) Act of 2011 (H.R. 2577); Data Security Act of 2011 (S. 1434); Personal Data Privacy and Security Act of 2011 (S. 1151); Data Security and Breach Notification Act of 2011 (S. 1207); Personal Data Protection and Breach Accountability Act of 2011 (S. 1535); Data Breach Notification Act of 2011 (S. 1408); Patent Reform; The Leahy-Smith America Invents Act (H.R. 1249); America Invents Act (S.23); The Dodd Frank Act (P.L. No. 111-203) as it relates to the credit rating industry; Responsible Consumer Financial Protection Regulations Act of 2011 (S. 737); The Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 4173 - P.L. 111-203);To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 87); The Responsible Consumer Financial Protection Regulations Act of 2011(H.R. 1121); Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (H.R. 1315);Bureau of Consumer Financial Protection Transfer Clarification Act (H.R. 1667); Supplement capital; Capital Access for Small Businesses and Jobs Act (H.R. 3993); To amend the Federal Deposit Insurance Act with respect to information provided to the Consumer Financial Protection Bureau (H.R. 3871 / H.R. 4014 / S. 2099); Government Sponsored Enterprise reform; Small lender access to the government sponsored enterprises;Guarantee fees charged to lenders by the housing Government Sponsored Enterprises; Strategic defaults on mortgage loans;Principal reduction on mortgage loans; Mortgage bankruptcy cram-down;Federal Home Loan Bank Oversight Issues; Flood Insurance; The National Flood Insurance Program; Flood Insurance Reform Act of 2011 (H.R. 1309); An original bill to amend the National Flood Insurance Act of 1968, to restore the financial solvency of the flood insurance fund, and for other purposes (S.1940); S.Amdt.2468 to S. 1940 in the nature of a substitute; Map -21 (H.R. 4348 / became law No. 112-141); Student loans; Clarifying existing law with respect to existing law by explicitly allowing lenders to collect premiums for force-placed flood insurance during the 45-day notification period if borrowers let policies lapse; credit union tax exemption; Federal Reserves final rule on the CARD Acts ability to repay requirement; FY 2013 Financial Services Spending bills (H.R.6020 / S.3301);Community Development Financial Institutions fund Appropriations; Community Development Revolving Loan Fund Appropriations; Lending ability of NCUAs Central Liquidity Fund;Regulatory directives stemming from the Dodd-Frank Wall Street Reform and Consumer Protection Act [P.L. 111-203]; Credit union members business lending cap; The Small Business Lending Enhancement Act (H.R. 1418 / S. 509 / S. 2231);The Communities First Act (H.R. 1697);Interchange fees; Debit interchange fees; Debit interchange repeal (H.R. 3156);Consumers Payment System Protection Act (H.R. 1081);Debit Interchange Fee Study Act (S. 575); Financial Institutions Examination Fairness and Reform Act (H.R. 3461/ S. 2160); Small Business Administration loan guarantee and lending programs; Small Business Administration Express program; Small Business Administration Patriot Express program; Restore Main Streets Credit Act (H.R. 4293); Small Business Administration 7(a) program; Small Business Administration 504 program; Credit Union Small Business Lending Act (H.R. 4191); Interest on Lawyers Trust Accounts;Non-Interest Bearing Transaction Accounts; Servicemembers Civil Relief Act; Base Realignment and Closure Commission;Military Lending Act;Military Family Home Protection Act (H.R. 5747);National Defense Authorization Act for Fiscal Year 2013 (H.R. 4310);To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263);National Defense Authorization Act for Fiscal Year 2012 (H.R. 1540); Fairness for Military Homeowners Act of 2012 (H.R. 4740);Military Savings Act of 2012 (H.R. 5946);Protecting Servicemembers from Mortgage Abuses Act of 2011 (S. 486); Hiring Heroes Act of 2011 (S. 951);National Defense Authorization Act for Fiscal Year 2012 (S. 1253);Department of Defense Authorization Act for Fiscal Year 2012 (S. 1254);National Defense Authorization Act for Fiscal Year 2012 (S. 1867);Servicemember Housing Protection Act of 2012 (S. 3179);Servicemembers' Protection Act of 2012 (S. 3322);Military Family Home Protection Act (S. 3323).

Improving survivor benefits for widows of deceased servicemembers and to restore and improve veterans' benefits. H.R. 115, H.R. 178, H.R. 493, H.R. 812, H.R. 924, H.R. 1025, H.R. 1263, H.R. 1460, H.R. 1627, H.R. 1811, H.R. 2074, H.R. 2309, H.R. 2349, H.R. 2383, H.R. 3016, H.R. 3279, H.R. 3337, H.R. 3612, H.R. 3690, H.R. 3723, H.R. 3895, H.R. 4051, H.R. 4057, H.R. 4079, H.R. 4114, H.R. 4115, H.R. 4168, H.R. 4329, H.R. 5830, S. 260, S. 277, S. 491, S. 696, S. 951, S. 1104, S. 1629, S. 1634, S. 1798, S. 1852, S. 2149, S. 2179, S. 2206, S. 2241, S. 2259, S. 2320, S. 3187, S. 3340

Client expense: $522,516 · Firm income: Not reported

Financial Institutions Examination Fairness and Reform Act (H.R. 3461 / S. 2160); The Small Business Lending Enhancement Act (H.R. 1418 / S. 509/ S. 2231); credit union member business lending; The Jumpstart Our Business Startups Act (H.R. 3606); Udall amendment (S.Amdt 1831) to H.R. 3606 to raise the credit union member business lending cap; Providing for consideration of H.R. 3606 (H.Res.572); Communities First Act (H.R. 1697); Restore Main Streets Credit Act (H.R. 4293); Credit Union Small Business Lending Act (H.R. 4191); Small Business Administration loan guarantee and lending programs; Capital Access for Small Businesses and Jobs Act (H.R. 3993); credit union access to supplemental capital; To amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (H.R. 3871 / H.R. 4014 / S.2099); confidentiality of information provided by a financial institution to the Consumer Financial Protection Bureau; Government Sponsored Enterprise Reform; strategic defaults on mortgage loans; principal reduction on mortgage loans; mortgage bankruptcy cram-down; housing finance reform; The Private Mortgage Market Investment Act (H.R. 3654); Fannie Mae and Freddie Mac Transparency Act of 2011 (H.R. 463); Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 (H.R. 2436); The Housing Trust Fund Elimination Act (H.R. 2441); The Market Transparency and Taxpayer Protection Act (H.R. 2440); Cap the GSE Bailout Act (H.R. 2462); Removing GSEs Charters During Receivership Act of 2011 (H.R. 2439); Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act (H.R. 31); Equity in Government Compensation Act of 2011 (H.R. 1221); GSE Subsidy Elimination Act of 2011 (H.R. 1222); GSE Credit Risk Equitable Treatment Act of 2011 (H.R. 1223); GSE Portfolio Risk Reduction Act of 2011 (H.R. 1224); GSE Debt Issuance Approval Act of 2011 (H.R. 1225); GSE Mission Improvement Act of 2011 (H.R. 1226); GSE Risk and Activities Limitation Act of 2011 (H.R. 1227); GSE Bailout Elimination and Taxpayer Protection Act (H.R. 1182); Housing Finance Reform Act of 2011 (H.R. 1859); Secondary Market Facility for Residential Mortgages Act of 2011 (H.R. 2413); Residential Mortgage Market Privatization and Standardization Act of 2011 (S. 1834); Federal Home Loan Bank oversight issues; Qualified Residential Mortgage (QRM) definition; Fannie Mae / Freddie Mac guarantee-fee structure; Mortgage Servicing Standards; 30 year fixed-rate mortgage; Credit union tax exemption; Pay Roll Tax Extension Middle Class Tax Relief and Job Creation Act of 2012 (H.R. 3630); Temporary Payroll Tax Cut Continuation Act of 2011(H.R. 3765 / P.L. 122-78); Interchange Fees; Debit Interchange Fees; Consumers Payment System Protection Act (H.R. 1081); Debit Interchange Fee Study Act of 2011 (S.575 and S.Amdt. # 392); Flood insurance; National Flood Insurance Program (NFIP); Flood Insurance Reform Act of 2011 (H.R. 1309); A bill to amend the National Flood Insurance Act of 1968 to include a system for indeterminate loss insurance claims, and for other purposes (S. 1091); National Flood Insurance Program Extension Act (S. 1548); Flood Insurance Reform Priorities Act of 2011 (H.R. 1026); Data Security; Cyber Security; Secure and Fortify Data (SAFE) Act of 2011 (H.R. 2577); Data Security Act of 2011 (S. 1434); Personal Data Privacy and Security Act of 2011 (S. 1151); Data Security and Breach Notification Act of 2011 (S. 1207); Personal Data Protection and Breach Accountability Act of 2011 (S. 1535); Data Breach Notification Act of 2011 (S. 1408); Patent Reform; The Leahy-Smith America Invents Act (H.R. 1249); America Invents Act (S.23); The Dodd Frank Act (P.L. No. 111-203) as it relates to the credit rating industry; Responsible Consumer Financial Protection Regulations Act of 2011 (S. 737); The Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 4173 - P.L. 111-203); To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 87); The Responsible Consumer Financial Protection Regulations Act of 2011(H.R. 1121); Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (H.R. 1315); Bureau of Consumer Financial Protection Transfer Clarification Act (H.R. 1667); National Credit Union Administrations Central Liquidity Fund; Community Development Revolving Loan Fund Appropriations; Community Development Financial Institutions Fund Appropriations; Regulatory Relief for Credit Unions; Credit union capital under prompt corrective action; Credit unions and ability to add underserved areas to their fields of membership; Community charter conversions involving employee group credit unions; NCUA authority to establish longer maturities for certain credit union loans; Credit union governance issues; Voluntary credit union mergers involving multiple common bond credit unions; Interest on Lawyers Trust Accounts; Automatic Teller Machine (ATM) fee disclosures; Service members Civil Relief Act; Military Lending Act; Military Installation & Military Personnel Financial Services;; BRAC (Defense Base Closure and Realignment Commission); To amend the Service members Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263); Consumer Financial Protection Bureau (CFPB); CFPB request for comment on regulatory streamlining (Regulation Z, relating to mortgages and credit cards lender cost of funds disclosure required on mortgage disclosures changes to the rules implementing the Mortgage Disclosure Improvement Act; changes that would permit a credit card issuer to consider household income when determining whether a consumer has the ability to repay; modifying requirement to reevaluate APR increases; requirement that lenders provide borrowers an annual statement regarding billing rights; higher transaction threshold for coverage under Reg Z similar exemption for the special rules for private student loans; Regulation E ATM fee disclosure notices; truncation of account number on periodic statement; Regulation E annual notice regarding error resolution; Regulation P requirement of annual privacy notices; Regulation C- institutions that refinance a single loan in a calendar year must file a Home Mortgage Disclosure Act (HMDA) report; Regulation V regarding lenders making firm offers of credit to include opt-out disclosures; Regulation B adverse action notices; CFPB draft of the prototype mortgage disclosure forms to be provided at settlement; CFPB potential changes to Regulation Z, and encouraging mindfulness of obligations under the Small Business Regulatory Enforcement and Fairness Act; CFPB request for comment on disclosure requirements for depository institutions lacking federal deposit insurance; credit union representation on CFPB advisory panels; CFPB proposed disclosure policy regarding credit card complaint data; CFPB draft credit card disclosure; FHFA strategic plan for enterprise conservatorship; FHFA proposed rule to require Federal Home Loan Banks to verify a members Community Reinvestment Act rating from publicly available information from the members banking regulatory agency; NCUA advanced notice of proposed rulemaking on potential independent authority for credit unions to engage in derivatives; Department of Housing and Urban Development and the Federal Housing Administration, concerns about strategic default on home mortgages; Internal Revenue Service definition of government plan under the Internal Revenue Code (IRC) 414(d); NCUA implementation of Section 342 of the Dodd-Frank Act regaring diversity policies and practices; NCUA regulations on community charters where the community in question is also a rural district; NCUA proposed rule on loan workouts and nonaccrual policy, and regulatory reporting of troubled debt restructured loans; NCUA proposed changes to the RegFlex program; NCUA proposed rule on loan participations; NCUA proposals on maintaining access to emergency liquidity; Federal Reserve proposed changes to Regulation D regarding reserve requirements for depository institutions; Federal Reserve request for comment regarding surveys to be conducted to help implement section 920 of the Electronic Fund transfer Act; NACHA-the Electronic Payments Association proposed rule on Expedited Processing and Settlement (EPS); Financial Crimes Enforcement Network regarding the Bank Secrecy Act reports; Federal Reserve proposed changes to Regulation Z with respect to consumer ability to repay their mortgage (CFPB); Federal Reserve proposed changes to Regulation E regarding international remittance transfers (CFPB); National Credit Union Administration proposed rule regarding Credit Union Services Organizations; Real Estate Settlement Procedures Act; Regulation of non-depository financial services providers; Interchange fees and network routing requirements; Troubled Debt Restructuring; Financial Regulatory Reform; Remittances.

Financial Institutions Examination Fairness and Reform Act (H.R. 3461 / S. 2160); The Small Business Lending Enhancement Act (H.R. 1418 / S. 509/ S. 2231); credit union member business lending; The Jumpstart Our Business Startups Act (H.R. 3606); Udall amendment (S.Amdt 1831) to H.R. 3606 to raise the credit union member business lending cap; Providing for consideration of H.R. 3606 (H.Res.572); Communities First Act (H.R. 1697); Restore Main Streets Credit Act (H.R. 4293); Credit Union Small Business Lending Act (H.R. 4191); Small Business Administration loan guarantee and lending programs; Capital Access for Small Businesses and Jobs Act (H.R. 3993); credit union access to supplemental capital; To amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (H.R. 3871 / H.R. 4014 / S.2099); confidentiality of information provided by a financial institution to the Consumer Financial Protection Bureau; Government Sponsored Enterprise Reform; strategic defaults on mortgage loans; principal reduction on mortgage loans; mortgage bankruptcy cram-down; housing finance reform; The Private Mortgage Market Investment Act (H.R. 3654); Fannie Mae and Freddie Mac Transparency Act of 2011 (H.R. 463); Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 (H.R. 2436); The Housing Trust Fund Elimination Act (H.R. 2441); The Market Transparency and Taxpayer Protection Act (H.R. 2440); Cap the GSE Bailout Act (H.R. 2462); Removing GSEs Charters During Receivership Act of 2011 (H.R. 2439); Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act (H.R. 31); Equity in Government Compensation Act of 2011 (H.R. 1221); GSE Subsidy Elimination Act of 2011 (H.R. 1222); GSE Credit Risk Equitable Treatment Act of 2011 (H.R. 1223); GSE Portfolio Risk Reduction Act of 2011 (H.R. 1224); GSE Debt Issuance Approval Act of 2011 (H.R. 1225); GSE Mission Improvement Act of 2011 (H.R. 1226); GSE Risk and Activities Limitation Act of 2011 (H.R. 1227); GSE Bailout Elimination and Taxpayer Protection Act (H.R. 1182); Housing Finance Reform Act of 2011 (H.R. 1859); Secondary Market Facility for Residential Mortgages Act of 2011 (H.R. 2413); Residential Mortgage Market Privatization and Standardization Act of 2011 (S. 1834); Federal Home Loan Bank oversight issues; Qualified Residential Mortgage (QRM) definition; Fannie Mae / Freddie Mac guarantee-fee structure; Mortgage Servicing Standards; 30 year fixed-rate mortgage; Credit union tax exemption; Pay Roll Tax Extension Middle Class Tax Relief and Job Creation Act of 2012 (H.R. 3630); Temporary Payroll Tax Cut Continuation Act of 2011(H.R. 3765 / P.L. 122-78); Interchange Fees; Debit Interchange Fees; Consumers Payment System Protection Act (H.R. 1081); Debit Interchange Fee Study Act of 2011 (S.575 and S.Amdt. # 392); Flood insurance; National Flood Insurance Program (NFIP); Flood Insurance Reform Act of 2011 (H.R. 1309); A bill to amend the National Flood Insurance Act of 1968 to include a system for indeterminate loss insurance claims, and for other purposes (S. 1091); National Flood Insurance Program Extension Act (S. 1548); Flood Insurance Reform Priorities Act of 2011 (H.R. 1026); Data Security; Cyber Security; Secure and Fortify Data (SAFE) Act of 2011 (H.R. 2577); Data Security Act of 2011 (S. 1434); Personal Data Privacy and Security Act of 2011 (S. 1151); Data Security and Breach Notification Act of 2011 (S. 1207); Personal Data Protection and Breach Accountability Act of 2011 (S. 1535); Data Breach Notification Act of 2011 (S. 1408); Patent Reform; The Leahy-Smith America Invents Act (H.R. 1249); America Invents Act (S.23); The Dodd Frank Act (P.L. No. 111-203) as it relates to the credit rating industry; Responsible Consumer Financial Protection Regulations Act of 2011 (S. 737); The Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 4173 - P.L. 111-203); To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 87); The Responsible Consumer Financial Protection Regulations Act of 2011(H.R. 1121); Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (H.R. 1315); Bureau of Consumer Financial Protection Transfer Clarification Act (H.R. 1667); National Credit Union Administrations Central Liquidity Fund; Community Development Revolving Loan Fund Appropriations; Community Development Financial Institutions Fund Appropriations; Regulatory Relief for Credit Unions; Credit union capital under prompt corrective action; Credit unions and ability to add underserved areas to their fields of membership; Community charter conversions involving employee group credit unions; NCUA authority to establish longer maturities for certain credit union loans; Credit union governance issues; Voluntary credit union mergers involving multiple common bond credit unions; Interest on Lawyers Trust Accounts; Automatic Teller Machine (ATM) fee disclosures; Service members Civil Relief Act; Military Lending Act; Military Installation & Military Personnel Financial Services;; BRAC (Defense Base Closure and Realignment Commission); To amend the Service members Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263); Consumer Financial Protection Bureau (CFPB); CFPB request for comment on regulatory streamlining (Regulation Z, relating to mortgages and credit cards lender cost of funds disclosure required on mortgage disclosures changes to the rules implementing the Mortgage Disclosure Improvement Act; changes that would permit a credit card issuer to consider household income when determining whether a consumer has the ability to repay; modifying requirement to reevaluate APR increases; requirement that lenders provide borrowers an annual statement regarding billing rights; higher transaction threshold for coverage under Reg Z similar exemption for the special rules for private student loans; Regulation E ATM fee disclosure notices; truncation of account number on periodic statement; Regulation E annual notice regarding error resolution; Regulation P requirement of annual privacy notices; Regulation C- institutions that refinance a single loan in a calendar year must file a Home Mortgage Disclosure Act (HMDA) report; Regulation V regarding lenders making firm offers of credit to include opt-out disclosures; Regulation B adverse action notices; CFPB draft of the prototype mortgage disclosure forms to be provided at settlement; CFPB potential changes to Regulation Z, and encouraging mindfulness of obligations under the Small Business Regulatory Enforcement and Fairness Act; CFPB request for comment on disclosure requirements for depository institutions lacking federal deposit insurance; credit union representation on CFPB advisory panels; CFPB proposed disclosure policy regarding credit card complaint data; CFPB draft credit card disclosure; FHFA strategic plan for enterprise conservatorship; FHFA proposed rule to require Federal Home Loan Banks to verify a members Community Reinvestment Act rating from publicly available information from the members banking regulatory agency; NCUA advanced notice of proposed rulemaking on potential independent authority for credit unions to engage in derivatives; Department of Housing and Urban Development and the Federal Housing Administration, concerns about strategic default on home mortgages; Internal Revenue Service definition of government plan under the Internal Revenue Code (IRC) 414(d); NCUA implementation of Section 342 of the Dodd-Frank Act regaring diversity policies and practices; NCUA regulations on community charters where the community in question is also a rural district; NCUA proposed rule on loan workouts and nonaccrual policy, and regulatory reporting of troubled debt restructured loans; NCUA proposed changes to the RegFlex program; NCUA proposed rule on loan participations; NCUA proposals on maintaining access to emergency liquidity; Federal Reserve proposed changes to Regulation D regarding reserve requirements for depository institutions; Federal Reserve request for comment regarding surveys to be conducted to help implement section 920 of the Electronic Fund transfer Act; NACHA-the Electronic Payments Association proposed rule on Expedited Processing and Settlement (EPS); Financial Crimes Enforcement Network regarding the Bank Secrecy Act reports; Federal Reserve proposed changes to Regulation Z with respect to consumer ability to repay their mortgage (CFPB); Federal Reserve proposed changes to Regulation E regarding international remittance transfers (CFPB); National Credit Union Administration proposed rule regarding Credit Union Services Organizations; Real Estate Settlement Procedures Act; Regulation of non-depository financial services providers; Interchange fees and network routing requirements; Troubled Debt Restructuring; Financial Regulatory Reform; Remittances.

Improving survivor benefits for widows of deceased veterans and to restore and improve veterans benefits. HR 115, HR 791, HR 812, HR 924, HR 1025, HR 1263, HR 1332, HR 1460, HR 2074, HR 2219, HR 2349, HR 2383, HR 2433, HR 3016, HR 3279, HR 3337, HR 3612, HR 3670, HR 3723, HR 3895, HR 4051, HR 4057, HR 4079, HR 4142, HR 4164, HR 4168, HR 4329, HR 5349, S 146, S 277, S 491, S 696, S 951, S 1104, S 1629, S 1798, S 1823, S 1852, S 2116, S 2179, S 2206 s 2241

Client expense: $452,892 · Firm income: Not reported

H.R. 115, the "CHAMPVA Children's Protection Act of 2011" H.R. 117, the "HELP Veterans Act of 2011" H.R. 303, the "Retired Pay Restoration Act of 2011" H.R. 807/ S. 572, VA Collective Bargaining H.R. 814, the Medicare VA Reimbursement Act of 2011 H.R. 923/ S. 780, the Veterans Pensions Protection Act of 2011 H.R. 1133/ S. 411, the Helping Our Homeless Veterans Act of 2011 H.R. 1263, amends the Servicemembers Civil Relief Act H.R. 1484, the Veterans Appeals Improvement Act of 2011 H.R. 1647, the Veterans Choice in Filing Act of 2011 H.R. 1854/ S. 935, the Veterans Outreach Enhancement Act of 2011 H.R. 1863/ S. 910, the Veterans Health Equity Act of 2011 H.R.1911, the Protecting Veterans Homes Act H.R. 2074, the Veterans Sexual Assault Prevention and Health Care Enhancement Act H.R. 2243, the Veterans Employment Promotion Act H.R. 2301, the Streamlining Education Claims Processing Act of 2011 H.R. 2349, the Veterans Benefit Act of 2011 H.R. 2377, the RAPID Claims Act H.R. 2383, the Modernizing Notice to Claimants Act H.R. 2388, the Access to Timely Information Act H.R. 2433, the Veterans Opportunity to Work Act of 2011 H.R. 2646, the Veterans Health Care Capital Facilities Improvement Act of 2011 H.R. 3329, legislation to extend the eligibility period for vocational rehabilitation H.R. 3483, the Veterans Educational Equity Act of 2011 H.R. 3524, the Disabled Veterans Employment Protection Act H.R. 3670, Uniformed Services Employment and Reemployment Rights Act corrections H.R. 3687/ S. 1755, beneficiary travel for non-service connected catastrophically disabled H.R. 3895, the Protect VA Healthcare Act of 2012 H.R. 4048, the Improving Contracting Opportunities for Veteran-Owned Small Businesses Act H.R. 4051, the Transition Assistance Program Modernization Act of 2013 H.R. 4057, outreach and to veterans about educational and vocational counseling opportunities H.R. 4072, the Consolidating Veterans Employment Services for Improved Performance Act of 2012 H.R. 4114, the Veterans' Compensation Cost-of-Living Adjustment Act of 2012 H.R. 4142, the American Heroes COLA Act H.R. 4168, the Caring for the Fallen Act H.R. 4213 (the Court of Appeals for Veterans Claims) S.277, the Caring for Camp Lejeune Veterans Act of 2009 S. 423, a bill concerning veterans disability compensation S. 486, the Protecting Servicemembers from Mortgage Abuses Act of 2011 S. 490, a bill to increase the age of a CHAMPVA eligible dependent child S. 1017, the Disabled Veteran Caregiver Housing Assistance Act of 2011 S. 1104, Transition Assistance Program (TAP) S. 1124, the Veterans Telemedicine Act of 2011 S. 1127, the Veterans Rural Health Improvement Act of 2011 S. 1148/ H.R. 2559, the Veterans Programs Improvements Act of 2011 S. 2128, the Protecting the Health Care of Veterans Act of 2012 S. 2179, the Military & Veterans Educational Reform Act S. 2241, the GI Bill Consumer Awareness Act

H.R. 1263-- --To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes. H.R. 3277--To amend title 38, United States Code, to improve and make permanent the Department of Veterans Affairs loan guarantee for the purchase of residential cooperative housing units, and for other purposes--To amend title 38, U.S.C., to improve and make permanent the VA loan guarantee for the purchase of residential cooperative housing units, and for other purposes

Client expense: $8,800 · Firm income: Not reported

Consumer Financial Protection Bureau; Consumer Financial Protection Bureau draft of the prototype mortgage disclosure forms provided at closing; Federal Housing Finance Agency discussion paper on alternative mortgage servicing rights compensation structures; Federal Reserve proposed changes to Regulation D regarding reserve requirements for depository institutions; Federal Reserve request for comment regarding surveys to be conducted to help implement section 920 of the Electronic Fund Transfer Act; Internal Revenue Service reporting of interest paid to nonresident aliens; NACHA-the Electronic Payments Association proposed rule on Expedited Processing and Settlement (EPS); National Credit Union Administration operating budget for 2012; National Credit Union Administration regarding proposed changes to the Interagency Questions and Answers related to the National Flood Insurance Program; National Credit Union Administrations outline of functions performed by the Office of Consumer Protection; National Credit Union Administrations guidance with respect to troubled debt restructuring; National Credit Union Administrations proposed rule to amend part 704 of the agencys regulations on corporate credit unions; U.S. Small Business Administration regarding lifting the credit union member business lending cap; Financial Crimes Enforcement Network regarding the electronic filing of Bank Secrecy Act reports; Department of Treasury, Office of Financial Education and Financial Access, regarding financial access activities under section 1204 of the Dodd-Frank Wall Street Reform and Consumer Protection Act; Federal Reserve interim final rule on the fraud adjustment for debit interchange fees; Federal Reserve proposed changes to Regulation Z with respect to consumer ability to repay their mortgage; Federal Reserve proposed changes to Regulation E regarding international remittance transfers; National Credit Union Administration proposed rule regarding Credit Union Services Organizations; National Credit Union Administration updated lost estimates with respect to the corporate credit union stabilization; National Credit Union Administration and implementation of President Obamas Executive Order (13579), Regulation and Independent Regulatory Agencies; National Credit Union Administrations Advance Notice of Proposed Rulemaking regarding derivatives; U.S. Small Business Administration and legislation that would lift the credit union member business lending cap; Real Estate Settlement Procedures Act; Regulation of non-depository financial services providers; Interchange fees and network routing requirements; National Credit Union Share Insurance Fund; National Credit Union Administrations Budget; Troubled Debt Restructuring; Financial Regulatory Reform; Remittances; National Credit Union Administrations corporate stabilization plan; National Credit Union Administrations proposed rule on Interest Rate Risk Management; Risk based capital standards; GAO Report-12-247, Jan 4, 2012 - NATIONAL CREDIT UNION ADMINISTRATION- Earlier Actions Are Needed to Better Address Troubled Credit Unions; Member business lending; Credit union member business lending; Small Business Lending Enhancement Act (H.R. 1418 / S. 509); Communities First Act (H.R. 1697); Small Business Jobs Act of 2010 (PL 111-240); Small Business Administration loan guarantee and lending programs; Government Sponsored Enterprise Reform; Housing Finance Reform; The Private Mortgage Market Investment Act (H.R. 3654); Fannie Mae and Freddie Mac Transparency Act of 2011 (H.R. 463); Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 (H.R. 2436); The Housing Trust Fund Elimination Act (H.R. 2441); The Market Transparency and Taxpayer Protection Act (H.R. 2440); Cap the GSE Bailout Act (H.R. 2462); Removing GSEs Charters During Receivership Act of 2011 (H.R. 2439); Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act (H.R. 31); Equity in Government Compensation Act of 2011 (H.R. 1221); GSE Subsidy Elimination Act of 2011 (H.R. 1222); GSE Credit Risk Equitable Treatment Act of 2011 (H.R. 1223); GSE Portfolio Risk Reduction Act of 2011 (H.R. 1224); GSE Debt Issuance Approval Act of 2011 (H.R. 1225); GSE Mission Improvement Act of 2011 (H.R. 1226); GSE Risk and Activities Limitation Act of 2011 (H.R. 1227); GSE Bailout Elimination and Taxpayer Protection Act (H.R. 1182); Housing Finance Reform Act of 2011 (H.R. 1859); Secondary Market Facility for Residential Mortgages Act of 2011 (H.R. 2413); Residential Mortgage Market Privatization and Standardization Act of 2011 (S. 1834); Federal Home Loan Bank oversight issues; Mortgage loan principal reduction; Qualified Residential Mortgage (QRM) definition; Fannie Mae / Freddie Mac guarantee fee structure; Mortgage Servicing Standards;30 year fixed-rate mortgage; ; Defense credit union issues effecting service members and their families; Service members Civil Relief Act; Financial institutions access to military bases; To amend the Internal Revenue Code of 1986 to repeal the imposition of 3 percent withholding on certain payments made to vendors by government entities, to modify the calculation of modified adjusted gross income for purposes of determining eligibility for certain healthcare-related programs, and for other purposes (H.R. 674); To amend the Service members Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263); National Defense Authorization Act for Fiscal Year 2012 (H.R. 1540); Protecting Service members from Mortgage Abuses Act of 2011(H.R. 1566); Protecting Veterans' Homes Act (H.R. 1911); Ensuring a Response for Service members Act (H.R. 2329); Veterans Opportunity to Work Act of 2011 (H.R. 2433); Don't Default on Military Families Act (H.R. 2654); Protecting Service members from Mortgage Abuses Act of 2011 (S.486); Credit union tax exemption; Statutory federal debt limit; Joint Select Committee on Deficit Reduction; Budget Control Act of 201 1(P.L. 112-25); Payroll Tax Extension (H.R. 3630 - Temporary Payroll Tax Cut Act of 2011); Payroll Tax Extension (H.R. 3765 / P.L.112-78); Interchange Fees; Debit interchange fees; Consumers Payment System Protection Act (H.R. 1081); Debit Interchange Fee Study Act of 2011 (S. 575 and S. Amdt #392); Legislation making appropriations for financial services and general government for fiscal year ending September 30, 2012; Consolidated appropriations act of 2012 (P.L. 112-74); Flood Insurance; National Flood Insurance Program (NFIP); Flood Insurance Reform Act of 2011 (H.R. 1309); A bill to amend the National Flood Insurance Act of 1968 to include a system for indeterminate loss insurance claims, and for other purposes (S. 1091); National Flood Insurance Program Extension Act (S. 154 8); Flood Insurance Reform Priorities Act of 2011 (H.R. 1026 ); Data Security; Cyber Security; Secure and Fortify Data (SAFE) Act of 2011 (H.R. 2577); Data Security Act of 2011 (S. 1434); Personal Data Privacy and Security Act of 2011 (S. 1151); Data Security and Breach Notification Act of 2011 (S. 1207); Personal Data Protection and Breach Accountability Act of 2011 (S. 1535); Data Breach Notification Act of 2011 (S. 1408); Patent Reform; The Leahy-Smith America Invents Act (H.R. 1249); America Invents Act (S.23); Internet Gambling; Internet Gambling Prohibition, Poker Consumer Protection, and Strengthening UIGEA Act of 2001 (H.R. 2366 - Section 202); The Dodd Frank Act (P.L. No. 111-203) as it relates to the credit rating industry; Credit union supplemental capital; Responsible Consumer Financial Protection Regulations Act of 2011 (S. 737); The Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 4173 - P.L. 111-203); To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 87); The Responsible Consumer Financial Protection Regulations Act of 2011(H.R. 1121); Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (H.R. 1315); Bureau of Consumer Financial Protection Transfer Clarification Act (H.R. 1667); National Credit Union Administrations Central Liquidity Fund; Community Development Revolving Loan Fund Appropriations; Community Development Financial Institutions Fund Appropriations; Regulatory Relief for Credit Unions; Credit union capital under prompt corrective action; Credit unions and ability to add underserved areas to their fields of membership; Community charter conversions involving employee group credit unions; NCUA authority to establish longer maturities for certain credit union loans; Credit union governance issues; Voluntary credit union mergers involving multiple common bond credit unions; Interest on Lawyers Trust Accounts.

Consumer Financial Protection Bureau; Consumer Financial Protection Bureau draft of the prototype mortgage disclosure forms provided at closing; Federal Housing Finance Agency discussion paper on alternative mortgage servicing rights compensation structures; Federal Reserve proposed changes to Regulation D regarding reserve requirements for depository institutions; Federal Reserve request for comment regarding surveys to be conducted to help implement section 920 of the Electronic Fund Transfer Act; Internal Revenue Service reporting of interest paid to nonresident aliens; NACHA-the Electronic Payments Association proposed rule on Expedited Processing and Settlement (EPS); National Credit Union Administration operating budget for 2012; National Credit Union Administration regarding proposed changes to the Interagency Questions and Answers related to the National Flood Insurance Program; National Credit Union Administrations outline of functions performed by the Office of Consumer Protection; National Credit Union Administrations guidance with respect to troubled debt restructuring; National Credit Union Administrations proposed rule to amend part 704 of the agencys regulations on corporate credit unions; U.S. Small Business Administration regarding lifting the credit union member business lending cap; Financial Crimes Enforcement Network regarding the electronic filing of Bank Secrecy Act reports; Department of Treasury, Office of Financial Education and Financial Access, regarding financial access activities under section 1204 of the Dodd-Frank Wall Street Reform and Consumer Protection Act; Federal Reserve interim final rule on the fraud adjustment for debit interchange fees; Federal Reserve proposed changes to Regulation Z with respect to consumer ability to repay their mortgage; Federal Reserve proposed changes to Regulation E regarding international remittance transfers; National Credit Union Administration proposed rule regarding Credit Union Services Organizations; National Credit Union Administration updated lost estimates with respect to the corporate credit union stabilization; National Credit Union Administration and implementation of President Obamas Executive Order (13579), Regulation and Independent Regulatory Agencies; National Credit Union Administrations Advance Notice of Proposed Rulemaking regarding derivatives; U.S. Small Business Administration and legislation that would lift the credit union member business lending cap; Real Estate Settlement Procedures Act; Regulation of non-depository financial services providers; Interchange fees and network routing requirements; National Credit Union Share Insurance Fund; National Credit Union Administrations Budget; Troubled Debt Restructuring; Financial Regulatory Reform; Remittances; National Credit Union Administrations corporate stabilization plan; National Credit Union Administrations proposed rule on Interest Rate Risk Management; Risk based capital standards; GAO Report-12-247, Jan 4, 2012 - NATIONAL CREDIT UNION ADMINISTRATION- Earlier Actions Are Needed to Better Address Troubled Credit Unions; Member business lending; Credit union member business lending; Small Business Lending Enhancement Act (H.R. 1418 / S. 509); Communities First Act (H.R. 1697); Small Business Jobs Act of 2010 (PL 111-240); Small Business Administration loan guarantee and lending programs; Government Sponsored Enterprise Reform; Housing Finance Reform; The Private Mortgage Market Investment Act (H.R. 3654); Fannie Mae and Freddie Mac Transparency Act of 2011 (H.R. 463); Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 (H.R. 2436); The Housing Trust Fund Elimination Act (H.R. 2441); The Market Transparency and Taxpayer Protection Act (H.R. 2440); Cap the GSE Bailout Act (H.R. 2462); Removing GSEs Charters During Receivership Act of 2011 (H.R. 2439); Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act (H.R. 31); Equity in Government Compensation Act of 2011 (H.R. 1221); GSE Subsidy Elimination Act of 2011 (H.R. 1222); GSE Credit Risk Equitable Treatment Act of 2011 (H.R. 1223); GSE Portfolio Risk Reduction Act of 2011 (H.R. 1224); GSE Debt Issuance Approval Act of 2011 (H.R. 1225); GSE Mission Improvement Act of 2011 (H.R. 1226); GSE Risk and Activities Limitation Act of 2011 (H.R. 1227); GSE Bailout Elimination and Taxpayer Protection Act (H.R. 1182); Housing Finance Reform Act of 2011 (H.R. 1859); Secondary Market Facility for Residential Mortgages Act of 2011 (H.R. 2413); Residential Mortgage Market Privatization and Standardization Act of 2011 (S. 1834); Federal Home Loan Bank oversight issues; Mortgage loan principal reduction; Qualified Residential Mortgage (QRM) definition; Fannie Mae / Freddie Mac guarantee fee structure; Mortgage Servicing Standards;30 year fixed-rate mortgage; ; Defense credit union issues effecting service members and their families; Service members Civil Relief Act; Financial institutions access to military bases; To amend the Internal Revenue Code of 1986 to repeal the imposition of 3 percent withholding on certain payments made to vendors by government entities, to modify the calculation of modified adjusted gross income for purposes of determining eligibility for certain healthcare-related programs, and for other purposes (H.R. 674); To amend the Service members Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263); National Defense Authorization Act for Fiscal Year 2012 (H.R. 1540); Protecting Service members from Mortgage Abuses Act of 2011(H.R. 1566); Protecting Veterans' Homes Act (H.R. 1911); Ensuring a Response for Service members Act (H.R. 2329); Veterans Opportunity to Work Act of 2011 (H.R. 2433); Don't Default on Military Families Act (H.R. 2654); Protecting Service members from Mortgage Abuses Act of 2011 (S.486); Credit union tax exemption; Statutory federal debt limit; Joint Select Committee on Deficit Reduction; Budget Control Act of 201 1(P.L. 112-25); Payroll Tax Extension (H.R. 3630 - Temporary Payroll Tax Cut Act of 2011); Payroll Tax Extension (H.R. 3765 / P.L.112-78); Interchange Fees; Debit interchange fees; Consumers Payment System Protection Act (H.R. 1081); Debit Interchange Fee Study Act of 2011 (S. 575 and S. Amdt #392); Legislation making appropriations for financial services and general government for fiscal year ending September 30, 2012; Consolidated appropriations act of 2012 (P.L. 112-74); Flood Insurance; National Flood Insurance Program (NFIP); Flood Insurance Reform Act of 2011 (H.R. 1309); A bill to amend the National Flood Insurance Act of 1968 to include a system for indeterminate loss insurance claims, and for other purposes (S. 1091); National Flood Insurance Program Extension Act (S. 154 8); Flood Insurance Reform Priorities Act of 2011 (H.R. 1026 ); Data Security; Cyber Security; Secure and Fortify Data (SAFE) Act of 2011 (H.R. 2577); Data Security Act of 2011 (S. 1434); Personal Data Privacy and Security Act of 2011 (S. 1151); Data Security and Breach Notification Act of 2011 (S. 1207); Personal Data Protection and Breach Accountability Act of 2011 (S. 1535); Data Breach Notification Act of 2011 (S. 1408); Patent Reform; The Leahy-Smith America Invents Act (H.R. 1249); America Invents Act (S.23); Internet Gambling; Internet Gambling Prohibition, Poker Consumer Protection, and Strengthening UIGEA Act of 2001 (H.R. 2366 - Section 202); The Dodd Frank Act (P.L. No. 111-203) as it relates to the credit rating industry; Credit union supplemental capital; Responsible Consumer Financial Protection Regulations Act of 2011 (S. 737); The Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 4173 - P.L. 111-203); To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 87); The Responsible Consumer Financial Protection Regulations Act of 2011(H.R. 1121); Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (H.R. 1315); Bureau of Consumer Financial Protection Transfer Clarification Act (H.R. 1667); National Credit Union Administrations Central Liquidity Fund; Community Development Revolving Loan Fund Appropriations; Community Development Financial Institutions Fund Appropriations; Regulatory Relief for Credit Unions; Credit union capital under prompt corrective action; Credit unions and ability to add underserved areas to their fields of membership; Community charter conversions involving employee group credit unions; NCUA authority to establish longer maturities for certain credit union loans; Credit union governance issues; Voluntary credit union mergers involving multiple common bond credit unions; Interest on Lawyers Trust Accounts.

Improving survivor benefits for widows of deceased veterans and to restore and improve veterans benefits. H.R. 791, H.R. 812, H.R. 865, H.R. 924, H.R. 1025, H.R. 1263, H.R. 1930, H.R. 2074, H.R. 2349, H.R. 2433, H.R. 3016, H.R. 3612, H.R. 3670, S. 146, S. 277, S. 490, S. 491, S. 696, S. 951, S. 1104, S. 1629, S. 1836

Client expense: $423,840 · Firm income: Not reported

Improve tax equity for servicemembers. H.R. 3670, H.R. 3630, H.R. 2354, H.R. 463, H.R. 791, H.R. 687, H.R. 1332, H.R. 1263, S. 951, S. 1990, S. 1540, S. 387, S. 697, S. 1985

Client expense: $423,840 · Firm income: Not reported

Improvements in uniformed personnel programs, compensation, and benefits. H.R. 178, H.R. 179, H.R. 181, H.R. 186, H.R. 303, H.R. 333, H.R. 493, H.R. 670, H.R. 674, H.R. 687, H.R. 1025, H.R. 1110, H.R. 1263, H.R. 1283, H.R. 1297, H.R. 1298, H.R. 1383, H.R. 1540, H.R. 2219, H.R. 2309, H.R. 2383, H.R. 2608, H.R. 3670, S. 260, S. 344, S. 542, S. 697, S. 724, S. 866, S. 951, S. 1025, S. 1253, S. 1254, S. 1733, S. 1852, S. 1867, S. 1985, S. 1990

Client expense: $423,840 · Firm income: Not reported

H.R. 115, the CHAMPVA Childrens Protection Act of 2011 H.R. 117, the HELP Veterans Act of 2011 H.R. 120, the Disabled Veterans Surviving Spouses Home Loans Act H.R. 198, the Veterans Dog Training Therapy Act of 2011 H.R. 303, the Retired Pay Restoration Act of 2011 H.R. 674, the VOW to Hire Heroes Act H.R. 807/ S. 572, VA Collective Bargaining H.R. 811, the Providing Military Honors for our Nations Heroes Act H.R. 814, the Medicare VA Reimbursement Act of 2011 H.R. 923/ S. 780, the Veterans Pensions Protection Act of 2011 H.R. 1133/ S. 411, the Helping Our Homeless Veterans Act of 2011 H.R. 1154/ S. 769, the Veterans Equal Treatment for Service Dogs Act of 2011 H.R. 1263, amends the Servicemembers Civil Relief Act H.R. 1383/ S. 745, Restoring GI Bill Fairness Act of 2011 H.R. 1407/ S. 894, the Veterans Compensation Cost-of-Living Adjustment Act of 2011 H.R. 1441/ S. 698, Arlington Cemetery H.R. 1484, the Veterans Appeals Improvement Act of 2011 H.R. 1591/ S. 815, Sanctity of Eternal Rest for Veterans Act of 2011 H.R. 1647, the Veterans Choice in Filing Act of 2011 H.R. 1854/ S. 935, the Veterans Outreach Enhancement Act of 2011 H.R. 1855/ S. 957, the Veterans Traumatic Brain Injury Rehabilitative Services Improvements Act of 2011 H.R. 1863/ S. 910, the Veterans Health Equity Act of 2011 H.R.1911, the Protecting Veterans Homes Act H.R. 2074, the Veterans Sexual Assault Prevention and Health Care Enhancement Act H.R. 2243, the Veterans Employment Promotion Act H.R. 2301, the Streamlining Education Claims Processing Act of 2011 H.R. 2329, the Ensuring a Response for Servicemembers Act H.R. 2349, the Veterans Benefit Act of 2011 H.R. 2383, the Modernizing Notice to Claimants Act H.R. 2388, the Access to Timely Information Act H.R. 2433, the Veterans Opportunity to Work Act of 2011 H.R. 2470, the E-Serv Act H.R. 2646, the Veterans Health Care Capital Facilities Improvement Act of 2011 S.277, the Caring for Camp Lejeune Veterans Act of 2009 S. 423, a bill concerning veterans disability compensation S. 486, the Protecting Servicemembers from Mortgage Abuses Act of 2011 S. 490, a bill to increase the age of a CHAMPVA eligible dependent child S. 491, the Honor Americas Guard-Reserve Retirees Act of 2011 S. 666, the Veterans Traumatic Brain Injury Care Improvement Act of 2011 S. 914, the Veterans Programs Improvement Act of 2011 S. 1017, the Disabled Veteran Caregiver Housing Assistance Act of 2011 S. 1060, the Honoring All Veterans Act of 2011 S. 1104, Transition Assistance Program (TAP) S. 1123, the Assistance to Veterans Affected by Natural Disasters Act S. 1124, the Veterans Telemedicine Act of 2011 S. 1127, the Veterans Rural Health Improvement Act of 2011 S. 1148, the Veterans Programs Improvements Act of 2011 Implementation of P.L. 111-163, the Caregivers and Veterans Omnibus Health Services Act of 2011

H.R. 544 -- To amend the Service members Civil Relief Act to permanently extend the period of protections for service members against mortgage foreclosures, and for other purposes. -- Amends the Service members Civil Relief Act to extend from 90 days to 9 months after military service the period of protection against mortgage sale or foreclosure, as well as the stay of proceedings, in the case of an obligation on real property of a service member that originated before the period of military service. (Under current law, such period reverted from 9 months to 90 days on January 1, 2011.) H.R. 806 -- End Veteran Homelessness Act of 2011 -- To amend title 38, U.S.C., to make certain improvements in the services provided for homeless veterans under the laws administered by the VA Secretary. H.R. 1263 -- Amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes. -- To amend the Servicemembers Civil Relief Act to provide surviving spouses certain protections, i.e. mortgages and mortgage foreclosures. H.R. 1911 -- Protecting Veterans Homes Act -- Amends the Servicemembers Civil Relief Act to extend from 9 to 12 months after military service the period of protection against mortgage sale or foreclosure, as well as the stay of proceedings, in the case of an obligation on real property of a service member that originated before the period of military service. H.R. 2329 -- Ensuring a Response for Servicemembers Act -- To amend the Servicemembers Civil Relief Act to provide for certain requirements for financial institutions that are creditors for obligations and liabilities covered by that Act. H.R. 1133; S. 411 -- Helping Our Homeless Veterans Act of 2011 -- To amend title 38, U.S.C., to authorize the Secretary of Veterans Affairs to enter into agreements with States and nonprofit organizations to collaborate in the provision of case management services associated with certain supported housing programs for veterans, and for other purposes. S. 486 -- Protecting Servicemembers from Mortgage Abuses Act of 2011 -- Amends the Servicemembers Civil Relief Act to extend from 9 months to 24 months after military service the period of protection for a service member against mortgage sale or foreclosure, as well as the stay of proceedings, in the case of an obligation on real property of a service member that originated before the period of military service. Repeals the sunset date for such periods of relief under the Housing and Economic Recovery Act of 2008. Increases criminal and civil penalties for mortgage abuses, including felonies for unlawful eviction or distress or for unlawful sale, foreclosure, or seizure. S. 1017 -- Disabled Veteran Caregiver Housing Assistance Act of 2011 -- To amend title 38, U.S.C., to increase assistance for disabled veterans who are temporarily residing in housing owned by a family member, and for other purposes. S. 1060 -- Honoring All Veterans Act of 2011 -- To improve education, employment, independent living services, and health care for veterans, to improve assistance for homeless veterans, and to improve the administration of the Department of Veterans Affairs, and for other purposes.

Interchange Fees; Debit interchange fees; Consumers Payment System Protection Act (H.R. 1081-Entire Bill);Debit Interchange Fee Study Act of 2011 (S. 575 Entire Bill and S. Amdt #392);Flood Insurance; National Flood Insurance Program (NFIP); Flood Insurance Reform Act of 2011 (H.R. 1309 - Entire Bill); A bill to amend the National Flood Insurance Act of 1968 to include a system for indeterminate loss insurance claims, and for other purposes (S. 1091 Entire Bill); National Flood Insurance Program Extension Act (S. 1548 - Entire Bill); Flood Insurance Reform Priorities Act of 2011 (H.R. 1026 - Entire Bill); Housing Finance Reform; Fannie Mae and Freddie Mac Transparency Act of 2011 (H.R. 463 - Entire Bill);Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 (H.R. 2436 Entire Bill);The Housing Trust Fund Elimination Act (H.R. 2441 - Entire Bill);The Market Transparency and Taxpayer Protection Act (H.R. 2440 - Entire Bill);Cap the GSE Bailout Act (H.R. 2462 - Entire Bill); Removing GSEs Charters During Receivership Act of 2011 (H.R. 2439 - Entire Bill); Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 (H.R. 31 - Entire Bill); Equity in Government Compensation Act of 2011 (H.R. 1221 - Entire Bill); GSE Subsidy Elimination Act of 2011 (H.R. 1222- Entire Bill); GSE Credit Risk Equitable Treatment Act of 2011 (H.R. 1223 - Entire Bill); GSE Portfolio Risk Reduction Act of 2011 (H.R. 1224 -Entire Bill); GSE Debt Issuance Approval Act of 2011 (H.R. 1225 - Entire Bill); GSE Mission Improvement Act of 2011 (H.R. 1226 - Entire Bill); GSE Risk and Activities Limitation Act of 2011 (H.R. 1227 - Entire Bill); GSE Bailout Elimination and Taxpayer Protection Act (H.R. 1182 - Entire Bill); Housing Finance Reform Act of 2011 (H.R. 1859 - Entire Bill); Secondary Market Facility for Residential Mortgages Act of 2011 (H.R. 2413 - Entire Bill); Member Business Lending; Credit union member business lending cap; Small Business Lending Enhancement Act of 2011 (H.R. 1418 - Entire Bill); Small Business Lending Enhancement Act of 2011 (S. 509 - Entire Bill); Communities First Act (H.R. 1697 - Entire Bill); Small Business Jobs Act of 2010 (PL 111-240); Data Security; Secure and Fortify Data (SAFE) Act of 2011 (H.R. 2577 - Entire Bill); Data Security Act of 2011 (S. 1434 - Entire Bill); Personal Data Privacy and Security Act of 2011 (S. 1151 - Entire Bill); Data Security and Breach Notification Act of 2011 (S. 1207 - Entire Bill); Personal Data Protection and Breach Accountability Act of 2011 (S. 1535 - Entire Bill); Data Breach Notification Act of 2011 (S. 1408 Entire Bill); Patent Reform; The Leahy-Smith America Invents Act (H.R. 1249 Entire Bill); America Invents Act (S.23 Entire Bill); Servicemembers Civil Relief Act; Financial Institution Access of Military Bases; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections; relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263 - Entire Bill); Protecting Servicemembers from Mortgage Abuses Act of 2011 (H.R. 1566 - Entire Bill); Protecting Veterans' Homes Act (H.R. 1911 - Entire Bill); Ensuring a Response for Servicemembers Act (H.R. 2329 - Entire Bill); Veterans Opportunity to Work Act of 2011 (H.R. 2433 - Entire Bill); Don't Default on Military Families Act (H.R. 2654 - Entire Bill); Protecting Servicemembers from Mortgage Abuses Act of 2011 (S. 486 -Entire Bill); Credit Union Tax Exemption; Statutory Federal debt limit; Legislation making appropriations for financial services and general government for fiscal year ending September 30, 2012; Budget Control Act of 2011 (P.L. 112-25); Joint Select Committee on Deficit Reduction; Internet Gambling; Internet Gambling Prohibition, Poker Consumer Protection, and Strengthening UIGEA Act of 2001 (H.R. 2366 - Section 202); The Dodd Frank Act (P.L. No. 111-203) as it relates to the credit rating industry; Mortgage Servicing Standards; Credit union supplemental capital; Responsible Consumer Financial Protection Regulations Act of 2011 (S. 737 - Entire Bill); The Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 4173 - Entire Bill P.L. 111-203); To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 87 - Entire Bill); The Responsible Consumer Financial Protection Regulations Act of 2011(H.R. 1121-Entire Bill); The Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (H.R. 1315 - Entire Bill); The Bureau of Consumer Financial Protection Transfer Clarification Act (H.R. 1667 - Entire Bill); National Credit Union Administrations Central Liquidity Fund; Community Development Revolving Loan Fund Appropriations; Community Development Financial Institutions Fund Appropriations; Consumer Financial Protection Bureau; Consumer Financial Protection Bureau interim final rule relating to investigations; Consumer Financial Protection Bureau interim final rule on disclosure of records and information; Consumer Financial Protection Bureau Notice and Request for Information concerning consumer; financial products and services offered to servicemembers; Consumer Financial Protection Bureau Notice and Request for Comment regarding non-depository financial service providers; Consumer Financial Protection Bureau prototype mortgage disclosure forms RESPA and TILA; Federal Reserve and Federal Housing Finance Agency proposed rule regarding qualified residential mortgages; Federal Reserve interim final rule on the fraud adjustment for debit interchange fees; Federal Reserve proposed changes to Regulation Z with respect to consumer ability to repay their mortgage; Federal Reserve proposed changes to Regulation E regarding international remittance transfers; The Electronic Payments Association (NACHA) proposed rule to modify pain points and areas that cause misunderstandings among network participants; National Credit Union Administration proposed rule regarding Credit Union Services Organizations; National Credit Union Administration updated lost estimates with respect to the corporate credit union stabilization; National Credit Union Administration and implementation of President Obamas Executive Order (13579), Regulation and Independent Regulatory Agencies; National Credit Union Administrations Advance Notice of Proposed Rulemaking regarding derivatives; National Credit Union Administration proposed rule on the Community Development Revolving Loan Fund; U.S. Small Business Administration and legislation that would lift the credit union member business lending cap; The White House and implementation of President Obama's Executive Order (13579), Regulation and Independent Regulatory Agencies; The White House and legislation that would lift the credit union member business lending cap; Real Estate Settlement Procedures Act; Regulation of non-depository financial services providers; Interchange fees and network routing requirements; Incentive based compensation arrangements; National Credit Union Share Insurance Fund; National Credit Union Administrations Budget; Troubled Debt Restructuring; Financial Regulatory Reform; Remittances; Credit Union Capital Reform and Alternative Capital; The S.A.F.E. Mortgage Licensing Act of 2008; National Credit Union Administrations corporate stabilization plan; National Credit Union Administrations proposed rule on Interest Rate Risk Management; Risk based capital standards;National Credit Union Administrations rule on mergers and credit union conversions.

Interchange Fees; Debit interchange fees; Consumers Payment System Protection Act (H.R. 1081-Entire Bill);Debit Interchange Fee Study Act of 2011 (S. 575 Entire Bill and S. Amdt #392);Flood Insurance; National Flood Insurance Program (NFIP); Flood Insurance Reform Act of 2011 (H.R. 1309 - Entire Bill); A bill to amend the National Flood Insurance Act of 1968 to include a system for indeterminate loss insurance claims, and for other purposes (S. 1091 Entire Bill); National Flood Insurance Program Extension Act (S. 1548 - Entire Bill); Flood Insurance Reform Priorities Act of 2011 (H.R. 1026 - Entire Bill); Housing Finance Reform; Fannie Mae and Freddie Mac Transparency Act of 2011 (H.R. 463 - Entire Bill);Fannie Mae and Freddie Mac Taxpayer Payback Act of 2011 (H.R. 2436 Entire Bill);The Housing Trust Fund Elimination Act (H.R. 2441 - Entire Bill);The Market Transparency and Taxpayer Protection Act (H.R. 2440 - Entire Bill);Cap the GSE Bailout Act (H.R. 2462 - Entire Bill); Removing GSEs Charters During Receivership Act of 2011 (H.R. 2439 - Entire Bill); Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 (H.R. 31 - Entire Bill); Equity in Government Compensation Act of 2011 (H.R. 1221 - Entire Bill); GSE Subsidy Elimination Act of 2011 (H.R. 1222- Entire Bill); GSE Credit Risk Equitable Treatment Act of 2011 (H.R. 1223 - Entire Bill); GSE Portfolio Risk Reduction Act of 2011 (H.R. 1224 -Entire Bill); GSE Debt Issuance Approval Act of 2011 (H.R. 1225 - Entire Bill); GSE Mission Improvement Act of 2011 (H.R. 1226 - Entire Bill); GSE Risk and Activities Limitation Act of 2011 (H.R. 1227 - Entire Bill); GSE Bailout Elimination and Taxpayer Protection Act (H.R. 1182 - Entire Bill); Housing Finance Reform Act of 2011 (H.R. 1859 - Entire Bill); Secondary Market Facility for Residential Mortgages Act of 2011 (H.R. 2413 - Entire Bill); Member Business Lending; Credit union member business lending cap; Small Business Lending Enhancement Act of 2011 (H.R. 1418 - Entire Bill); Small Business Lending Enhancement Act of 2011 (S. 509 - Entire Bill); Communities First Act (H.R. 1697 - Entire Bill); Small Business Jobs Act of 2010 (PL 111-240); Data Security; Secure and Fortify Data (SAFE) Act of 2011 (H.R. 2577 - Entire Bill); Data Security Act of 2011 (S. 1434 - Entire Bill); Personal Data Privacy and Security Act of 2011 (S. 1151 - Entire Bill); Data Security and Breach Notification Act of 2011 (S. 1207 - Entire Bill); Personal Data Protection and Breach Accountability Act of 2011 (S. 1535 - Entire Bill); Data Breach Notification Act of 2011 (S. 1408 Entire Bill); Patent Reform; The Leahy-Smith America Invents Act (H.R. 1249 Entire Bill); America Invents Act (S.23 Entire Bill); Servicemembers Civil Relief Act; Financial Institution Access of Military Bases; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections; relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 1263 - Entire Bill); Protecting Servicemembers from Mortgage Abuses Act of 2011 (H.R. 1566 - Entire Bill); Protecting Veterans' Homes Act (H.R. 1911 - Entire Bill); Ensuring a Response for Servicemembers Act (H.R. 2329 - Entire Bill); Veterans Opportunity to Work Act of 2011 (H.R. 2433 - Entire Bill); Don't Default on Military Families Act (H.R. 2654 - Entire Bill); Protecting Servicemembers from Mortgage Abuses Act of 2011 (S. 486 -Entire Bill); Credit Union Tax Exemption; Statutory Federal debt limit; Legislation making appropriations for financial services and general government for fiscal year ending September 30, 2012; Budget Control Act of 2011 (P.L. 112-25); Joint Select Committee on Deficit Reduction; Internet Gambling; Internet Gambling Prohibition, Poker Consumer Protection, and Strengthening UIGEA Act of 2001 (H.R. 2366 - Section 202); The Dodd Frank Act (P.L. No. 111-203) as it relates to the credit rating industry; Mortgage Servicing Standards; Credit union supplemental capital; Responsible Consumer Financial Protection Regulations Act of 2011 (S. 737 - Entire Bill); The Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 4173 - Entire Bill P.L. 111-203); To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (H.R. 87 - Entire Bill); The Responsible Consumer Financial Protection Regulations Act of 2011(H.R. 1121-Entire Bill); The Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (H.R. 1315 - Entire Bill); The Bureau of Consumer Financial Protection Transfer Clarification Act (H.R. 1667 - Entire Bill); National Credit Union Administrations Central Liquidity Fund; Community Development Revolving Loan Fund Appropriations; Community Development Financial Institutions Fund Appropriations; Consumer Financial Protection Bureau; Consumer Financial Protection Bureau interim final rule relating to investigations; Consumer Financial Protection Bureau interim final rule on disclosure of records and information; Consumer Financial Protection Bureau Notice and Request for Information concerning consumer; financial products and services offered to servicemembers; Consumer Financial Protection Bureau Notice and Request for Comment regarding non-depository financial service providers; Consumer Financial Protection Bureau prototype mortgage disclosure forms RESPA and TILA; Federal Reserve and Federal Housing Finance Agency proposed rule regarding qualified residential mortgages; Federal Reserve interim final rule on the fraud adjustment for debit interchange fees; Federal Reserve proposed changes to Regulation Z with respect to consumer ability to repay their mortgage; Federal Reserve proposed changes to Regulation E regarding international remittance transfers; The Electronic Payments Association (NACHA) proposed rule to modify pain points and areas that cause misunderstandings among network participants; National Credit Union Administration proposed rule regarding Credit Union Services Organizations; National Credit Union Administration updated lost estimates with respect to the corporate credit union stabilization; National Credit Union Administration and implementation of President Obamas Executive Order (13579), Regulation and Independent Regulatory Agencies; National Credit Union Administrations Advance Notice of Proposed Rulemaking regarding derivatives; National Credit Union Administration proposed rule on the Community Development Revolving Loan Fund; U.S. Small Business Administration and legislation that would lift the credit union member business lending cap; The White House and implementation of President Obama's Executive Order (13579), Regulation and Independent Regulatory Agencies; The White House and legislation that would lift the credit union member business lending cap; Real Estate Settlement Procedures Act; Regulation of non-depository financial services providers; Interchange fees and network routing requirements; Incentive based compensation arrangements; National Credit Union Share Insurance Fund; National Credit Union Administrations Budget; Troubled Debt Restructuring; Financial Regulatory Reform; Remittances; Credit Union Capital Reform and Alternative Capital; The S.A.F.E. Mortgage Licensing Act of 2008; National Credit Union Administrations corporate stabilization plan; National Credit Union Administrations proposed rule on Interest Rate Risk Management; Risk based capital standards;National Credit Union Administrations rule on mergers and credit union conversions.

Improving survivor benefits for widows of deceased veterans and to restore and improve veterans benefits. H.R. 198, H.R. 802, H.R. 865, H.R. 924, H.R. 1025, H.R. 1154, H.R. 1263, H.R. 1383, H.R. 1855, H.R. 1941, H.R. 2005, H.R. 2051, H.R. 2055, H.R. 2061, H.R. 2074, H.R. 2349, H.R. 2383, H.R. 2433, H.R. 2530, H.R. 2550, H.R. 2646, S. 146, S. 277, S. 387, S. 491, S. 696, S. 951, S. 1104, S. 1391, S. 1629

Client expense: $503,458 · Firm income: Not reported

H.R. 115, "CHAMPVA Children's Protection Act of 2011" H.R. 117, the "HELP Veterans Act of 2011" H.R. 120, the "Disabled Veterans' Surviving Spouses Home Loans Act" H.R. 198, the "Veterans Dog Training Therapy Act of 2011" H.R. 240 H.R. 303, the "Retired Pay Restoration Act of 2011" H.R. 807/S. 572, VA Collective Bargaining H.R. 802 H.R. 811, the "providing Military Honors for our Nation's Heroes Act" H.R. 814, the "Medicare VA Reimbursement Act of 2011 H.R. 923/S. 780, the "Veterans Pensions Protection Act of 2011" H.R. 1025 H.R. 1133/S. 411, the "Helping Our Homeless Veterans Act of 2011" H.R. 1154/S. 769, the "Veterans Equal Treatment for Service Dogs Act of 2011" H.R. 1263, amends the "Servicemembers' Civil Relief Act" H.R. 1383/S. 745, "Restoring GI Bill Fairness Act of 2011" H.R. 1407/S. 894, the "Veterans Compensation Cost-of-Living Adjustment Act of 2011" H.R. 1441/S. 698, Arlington Cemetery H.R. 1484, the "Veterans Appeals Improvement Act of 2011" H.R. 1591/S. 815, "Sanctity of Eternal Rest for Veterans Act of 2011" H.R. 1671, the "Andrew Connolly Veterans' Housing Act" H.R. 1627 H.R. 1647, the "Veterans' Choice in Filing Act of 2011" H.R. 1657 H..R. 1854/S. 935, the "Veterans Outreach Enchancement Act of 2011" H.R. 1855/S. 957, the "Veterans Traumatic Brain Injury Rebabilitative Services' Imporvements Act of 2011" H.R. 1863/S. 910, the "Veterans Health Equity Act of 2011" H.R. 1911, the "Protecting Veterans' Homes Act" H.R. 2074, the "Veterans Sexual Assualt Prevention and Health Care Enhancement Act" H.R. 2243, the "Veterans Employment Promotion Act" H.R. 2274 H.R. 2301, the "Streamling Education Claims Processing Act of 2011" H.R. 2302 H.R. 2329, the "Ensuring a Response For Servicemembers Act" H.R. 2349, the "Veterans Benefit Act of 2011" H.R. 2383, the "Modernizing Notice to Claimants Act" H.R. 2388, the "Access to Timely Information Act" H.R. 2433, the "Veterans Opportunity to Work Act of 2011" H.R. 2470, the "E-Serv Act" H.R. 2646, the "Veterans Health Care Capital Facilities Improvement Act of 2011" S. 277, the "Caring for Camp Lejeune Veterans Act of 2009" S. 423, a bill concerning veterans' disability compensation S. 486, the "Protecting Servicemembers from Mortgage Abuses Act of 2011" S. 490, a bill to increase the age of a CHAMPVA eligible dependent child S. 491, the "Honor America's Guard-Reserve Retirees Act of 2011" S. 536 S. 666, the "Veterans Traumatic Brain Injury Care Improvement Act of 2011" S. 873 S. 874 S. 914, the "Veterans' Programs Improvement Act of 2011 S. 928 S. 951, the "Hiring Heroes Act of 2011" S. 1017, the :Disabled Veteran Caregiver Housing Assistance Act of 2011" S. 1060, the "Honoring All Veterans Act of 2011" S. 1104, Transition Assistance Program (TAP) S. 1123, the "Assistance to Veterans Affected by Natural Disasters Act" S. 1124, the "Veterans Telemedicine Act of 2011" S. 1127, the "Veterans Rural Health Improvement Act of 2011" S. 1148, the "Veterans Programs Improvements Act of 2011" Implementation of P.L. 111-163, the "Caregivers and Veterans Omnibus Health Services Act of 2011"

H.R.1Full-Year Continuing Appropriations Act, 2011Department of Defense Appropriations Act, 2011 H.R.24 To redesignate the Department of the Navy as the Department of the Navy and Marine Corps. S.1127 A bill to amend title 38, United States Code, to establish centers of excellence for rural health research, education, and clinical activities and to recognize the rural health resource centers in the Office of Rural Health, and for other purposes. H.R.26To direct the Secretary of Defense to adopt a program of professional and confidential screenings to detect mental health injuries acquired during deployment in support of a contingency operation and ultimately to reduce the incidence of suicide among veterans. H.R.28Veterans Outreach Improvement Act of 2011 H.R.46Fallen Heroes Family Act of 2011 H.R.115To amend title 38, United States Code, to increase the maximum age for children eligible for medical care under the CHAMPVA program. H.R.117To amend title 38, United States Code, to make certain improvements in the laws administered by the Secretary of Veterans Affairs, and for other purposes. H.R.120To amend title 38, United States Code, to provide for eligibility for housing loans guaranteed by the Department of Veterans Affairs for the surviving spouses of certain totally-disabled veterans. H.R.136To amend the Internal Revenue Code of 1986 to allow taxpayers to designate a portion of their income tax payment to provide assistance to homeless veterans, and for other purposes. H.R.152To utilize the National Guard to provide support for the border control activities of the United States Customs and Border Protection of the Department of Homeland Security, and for other purposes. H.R.159To direct the Secretary of Defense and the Secretary of Veterans Affairs to carry out a pilot program under which the Secretaries make payments for certain treatments of traumatic brain injury and post-traumatic stress disorder. H.R.168To direct the Secretary of Veterans Affairs to improve the prevention, diagnosis, and treatment of veterans with chronic obstructive pulmonary disease. H.R.169To require the Secretary of Veterans Affairs to include on the main page of the Internet website of the Department of Veterans Affairs a hyperlink to the VetSuccess Internet website and to publicize such Internet website. H.R.178To amend title 10, United States Code, to repeal the requirement for reduction of survivor annuities under the Survivor Benefit Plan for military surviving spouses to offset the receipt of veterans dependency and indemnity compensation. H.R.179To amend title 10, United States Code, to eliminate the requirement that certain former members of the reserve components of the Armed Forces be at least 60 years of age in order to be eligible to receive health care benefits. H.R.180To amend the National Guard Youth Challenge Program under title 32, United States Code, to exclude nondefense funds made available by other Federal agencies for the Program from the matching requirements of the Program. H.R.181To amend title 10, United States Code, to ensure that members of the reserve components of the Armed Forces who have served on active duty or performed active service since September 11, 2001, in support of a contingency operation or in other emergency situations receive credit for such service in determining eligibility for early receipt of non-regular service retired pay, and for other purposes. H.R.186To amend title 10, United States Code, to expand the eligibility for concurrent receipt of military retired pay and veterans' disability compensation to include all members of the uniformed services who are retired under chapter 61 of such title H.R.198To direct the Secretary of Veterans Affairs to carry out a pilot program on dog training therapy. H.R.208To amend title 10, United States Code, to authorize the reimbursement of mental health counselors under TRICARE, and for other purposes. H.R.210To amend title 38, United States Code, to deem certain service in the organized military forces of the Government of the Commonwealth of the Philippines and the Philippine Scouts to have been active service for purposes of benefits under programs administered by the Secretary of Veterans Affairs. H.R.240To amend title 38, United States Code, to promote jobs for veterans through the use of sole source contracts by Department of Veterans Affairs for purposes of meeting the contracting goals and preferences of the Department of Veterans Affairs for small business concerns owned and controlled by veterans. H.R.248To provide for identification of members of the Armed Forces exposed during military service to depleted uranium, to provide for health testing of such members, and for other purposes. H.R.287Homes for Heroes Act of 2011; H.R.290War Memorial Protection Act H.R.303Retired Pay Restoration Act; H.R.319 To require employers to provide veterans with time off on Veterans Day.; H.R.329 Chiropractic Care Available to All Veterans Act; H.R.332 Military Environmental Responsibility Act; H.R.33 Disabled Veterans Tax Termination Act; H.R.337Restore Military Readiness Act of 2011; H.R.396 TBI Treatment Act; H.R.403 Battlefield Excellence through Superior Training Practices ActBEST Practices Act; H.R.413 To reduce the budget of the Department of Defense to the level provided for fiscal year 2008 and to freeze the budget at such level through fiscal year 2016; H.R.465To direct the Secretary of Veterans Affairs to conduct a pilot project on the use of educational assistance under programs of the Department of Veterans Affairs to defray training costs associated with the purchase of certain franchise enterprises; H.R.493 To amend title 10, United States Code, to provide for forgiveness of certain overpayments of retired pay paid to deceased retired members of the Armed Forces following their death. H.R.544To amend the Servicemembers Civil Relief Act to permanently extend the period of protections for servicemembers against mortgage foreclosures, and for other purposes. H.R.545Providing Military Honors for our Nation's Heroes Act; H.R.561Veterans Employment Tax Credit Act of 2011; H.R.573To amend section 310 of the Supplemental Appropriations Act, 2009 to extend the period of time during which claims for retroactive stop-loss special pay may be submitted. H.R.575HEALTHY Vets Act of 2011Help Establish Access to Local Timely Healthcare for Your Vets Act of 2011 H.R.614Post 9/11 G.I. Bill Dependent Coverage Improvement Act; H.R.637To amend the procedures regarding military recruiter access to secondary school student recruiting information; H.R.644Guardians of Freedom Act of 2011 H.R.652To amend title 10, United States Code, to limit the increase of premiums, deductibles, copayments, or other charges for health care provided under the TRICARE program. H.R.687Military Spouses Employment Act; H.R.768Soldiers Targeted by Offensive Profiteering Act of 2011 (STOP Act); H.R.781Veterans' Employment Transition Support Act of 2011VETS Act of 2011 H.R.791To amend title 37, United States Code, to provide flexible spending arrangements for members of the uniformed services, and for other purposes. H.R.802To direct the Secretary of Veterans Affairs to establish a VetStar Award Program; H.R.803Equity for Injured Veterans Act of 2011; H.R.804To amend title 38, United States Code, to clarify the eligibility of certain veterans who serve in support of Operation New Dawn for hospital care, medical services, and nursing home care provided by the Department of Veterans Affairs. H.R.805To direct the Secretary of Veterans Affairs to educate certain staff of the Department of Veterans Affairs and to inform veterans about the Injured and Amputee Veterans Bill of Rights, and for other purposes. H.R.806End Veteran Homelessness Act of 2011 H.R.807To amend title 38, United States Code, to repeal the prohibition on collective bargaining with respect to matters and questions regarding compensation of employees of the Department of Veterans Affairs other than rates of basic pay, and for other purposes; H.R.809To direct the Secretary of Veterans Affairs to display in each facility of the Department of Veterans Affairs a Women Veterans Bill of Rights; H.R.810Fair Access to Veterans Benefits Act of 2011; H.R.811Providing Military Honors for our Nation's Heroes Act H.R.812Agent Orange Equity Act of 2011; H.R.813To amend title 38, United States Code, to reduce the period of time for which a veteran must be totally disabled before the veteran's survivors are eligible for the benefits provided by the Secretary of Veterans Affairs for survivors of certain veterans rated totally disabled at time of death. H.R.814Medicare VA Reimbursement Act of 2011; H.R.834Veterans Home Loan Refinance Opportunity Act of 2011 H.R.865Veteran Employment Transition Act of 2011; H.R.923Veterans Pensions Protection Act of 2011 H.R.924Jobs for Veterans Act of 2011; H.R.930To amend title 38, United States Code, to improve the disability compensation evaluation procedure of the Secretary of Veterans Affairs for veterans with post-traumatic stress disorder or mental health conditions related to military sexual trauma, and for other purposes. S.542National Guard, Reserve, "Gray Area" Retiree, and Surviving Spouses Space-available Travel Equity Act of 2011 S.572A bill to amend title 38, United States Code, to repeal the prohibition on collective bargaining with respect to matters and questions regarding compensation of employees of the Department of Veterans Affairs other than rates of basic pay, and for other purposes; S.579 Sergeant Coleman S. Bean Reserve Component Suicide Prevention Act S.658Support for Survivors Act; S.666Veterans Traumatic Brain Injury Care Improvement Act of 2011 S.696A bill to amend title 38, United States Code, to treat Vet Centers as Department of Veterans Affairs facilities for purposes of payments or allowances for beneficiary travel to Department facilities, and for other purposes. S.698A bill to amend title 38, United States Code, to codify the prohibition against the reservation of gravesites at Arlington National Cemetery, and for other purposes; S.724 Ensuring Pay for Our Military Act of 2011 S.745A bill to amend title 38, United States Code, to protect certain veterans who would otherwise be subject to a reduction in educational assistance benefits, and for other purposes; S.769Veterans Equal Treatment for Service Dogs Act of 2011VETS Dogs Act of 2011; S.780 Veterans Pensions Protection Act of 2011; S.815 Sanctity of Eternal Rest for Veterans Act of 2011SERVE Act of 2011; S.842 Military Spouse Employment Programs Evaluation Act; S.855 Pay Our Troops Act; S.866 Reserve Retirement Deployment Credit Correction Act H.R.943K-9 Companion Corps Act H.R.948Embedded Mental Health Providers for Reserves Act of 2011 H.R.1003To amend title 10, United States Code, to authorize space-available travel on military aircraft for reserve members, former members of a reserve component, and unremarried surviving spouses and dependents of such members and former members. H.R.1019To ensure that members of the Armed Forces and civilian employees of the Department of Defense who were killed or wounded in certain attacks in 2009 and 2011 directed at members or employees outside of a combat zone are treated in the same manner as members and employees who are killed or wounded in combat zones. H.R.1025To amend title 38, United States Code, to recognize the service in the reserve components of certain persons by honoring them with status as veterans under law. H.R.1046Honor the WISH ActHonor the Written Intent of our Soldier Heroes Act; H.R.1089Sergeant Coleman S. Bean Reserve Component Suicide Prevention Act; H.R.1092Military Retirees Health Care Protection ActMilitary Retirees Health Care Protection Act; H.R.1110 Combat Act; H.R.1130Education Assistance to Realign New Eligibilities for Dependents (EARNED) Act of 2011; H.R.1133 Helping Our Homeless Veterans Act of 2011; H.R.1142 Global Combat Zone Recognition Act; H.R.1154 Veterans Equal Treatment for Service Dogs ActVETS Dogs Act; H.R.1169To amend titles 5, 10, and 32, United States Code, to eliminate inequities in the treatment of National Guard technicians, to reduce the eligibility age for retirement for non-Regular service, and for other purposes; H.R.1178To amend title 10, United States Code, to extend military commissary and exchange store privileges to veterans with a compensable service-connected disability and to their dependents. H.R.1260Support for Survivors Act; H.R.1263 To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures. H.R.1284Armed Forces Suicide Prevention Act of 2011; H.R.1285Military Health Care Affordability Act H.R.1297Ensuring Pay for Our Military Act of 2011; H.R.1298Veterans' Efficiencies Through Savings Act of 2011VETS Act of 2011; H.R.1312Jobs for Veterans Act of 2011 H.R.1318South Texas Veterans Health Care Expansion Act; H.R.1354American Jobs Matter Act of 2011 H.R.1362To ensure that members of the Armed Forces continue to receive their pay and allowances despite a shutdown of the Federal Government and in the event that the debt of the United States Government reaches the statutory limit. H.R.1383Restoring GI Bill Fairness Act of 2011; H.R.1407Veterans' Compensation Cost-of-Living Adjustment Act of 2011; H.R.1425Creating Jobs Through Small Business Innovation Act of 2011 H.R.1435To amend chapter 141 of title 10, United States Code, to include disclosures made by Department of Defense contract employees to their immediate employers in the provisions providing protections against reprisals for certain disclosures. H.R.1441To amend title 38, United States Code, to codify the prohibition against the reservation of gravesites at Arlington National Cemetery, and for other purposes; H.R.1451Post 9/11 GI Bill Payment Restoration Act H.R.1460To provide for automatic enrollment of veterans returning from combat zones into the VA medical system, and for other purposes; H.R.1484Veterans Appeals Improvement Act of 2011; H.R.1529Defense Sexual Trauma Response Oversight and Good Governance ActDefense STRONG Act; H.R.1540National Defense Authorization Act for Fiscal Year 2012Military Construction Authorization Act for Fiscal Year 2012; S.514 Gold Star Fathers Act of 2011; S.532Patriot Express Authorization Act of 2011; H.R.1566 Protecting Servicemembers from Mortgage Abuses Act of 2011; H.R.1570To amend the Internal Revenue Code of 1986 to provide a tax credit to employers for the value of the service not performed during the period employees are performing service as members of the Ready Reserve or the National Guard. S.486Protecting Servicemembers from Mortgage Abuses Act of 2011; S.490 A bill to amend title 38, United States Code, to increase the maximum age for children eligible for medical care under the CHAMPVA program, and for other purposes; S.491Honor America's Guard-Reserve Retirees Act of 2011; S.536A bill to amend title 38, United States Code, to provide that utilization of survivors' and dependents' educational assistance shall not be subject to the 48-month limitation on the aggregate amount of assistance utilizable under multiple veterans and related educational assistance programs; S.873 A bill to amend title 38, United States Code, to provide benefits for children with spina bifida of veterans exposed to herbicides while serving in the Armed Forces during the Vietnam era outside Vietnam, and for other purposes; S.874 A bill to amend title 38, United States Code, to modify the provision of compensation and pension to surviving spouses of veterans in the months of the deaths of the veterans, to improve housing loan benefits for veterans, and for other purposes; S.894 Veterans' Compensation Cost-of-Living Adjustment Act of 2011; S.910 Veterans Health Equity Act of 2011; S.914A bill to amend title 38, United States Code, to authorize the waiver of the collection of copayments for telehealth and telemedicine visits of veterans, and for other purposes; S.935 Veterans Outreach Enhancement Act of 2011; S.951 Hiring Heroes Act of 2011; S.957Veterans' Traumatic Brain Injury Rehabilitative Services' Improvements Act of 2011 H.R.1591Sanctity of Eternal Rest for Veterans Act of 2011SERVE Act of 2011 H.R.1612To direct the Secretary of Defense to establish a commission on urotrauma. H.R.1627Honoring American Veterans Act of 2011 H.R.1657To amend title 38, United States Code, to revise the enforcement penalties for misrepresentation of a business concern as a small business concern owned and controlled by veterans or as a small business concern owned and controlled by service-disabled veterans. H.R.1671Andrew Connolly Veterans' Housing Act; H.R.1679: WE CARE ActWomen's Excellence of Care and Accessibility Review and Evaluation Act; H.R.1709: Force Protection and Readiness Act; H.R.1742Janey Ensminger Act H.R.1799St. Albans VA Veteran Cares Act of 2011; H.R.1811National Guard Employment Protection Act of 2011 H.R.1826To amend title 38, United States Code, to reinstate criminal penalties for persons charging veterans unauthorized fees.H.R.1832Servicemembers' Telemedicine and E-Health Portability Act of 2011STEP Act H.R.1854Veterans Outreach Enhancement Act of 2011 H.R.1855Veterans' Traumatic Brain Injury Rehabilitative Services' Improvements Act of 2011 H.R.1863Veterans Health Equity Act of 2011; H.R.1898Veterans 2nd Amendment Protection Act H.R.1910To extend for one year the authority of certain members of the Armed Forces and veterans to transfer unused Post-9/11 Educational Assistance benefits to family members. H.R.1911Protecting Veterans' Homes Act; H.R.1930 To amend title 38, United States Code, to provide for certain requirements relating to the immunization of veterans, and for other purposes. H.R.1941Hiring Heroes Act of 2011; H.R.1979 To amend title 10, United States Code, to expand eligibility for concurrent receipt of military retired pay and veterans' disability compensation to include additional chapter 61 disability retirees, to coordinate eligibility for combat-related special compensation and concurrent receipt, to eliminate the reduction of SBP survivor annuities by dependency and indemnity compensation, and to enhance the ability of members of the reserve components who serve on active duty or perform active service to receive credit for such service in determining eligibility for early receipt of non-regular service retired pay. H.R.2002To amend title 38, United States Code, to permit disabled or injured members of the Armed Forces to transfer Post 9/11 Educational Assistance benefits after retirement, and for other purposes. H.R.2048To expand the eligibility for the provision of Government headstones, markers, and medallions for veterans buried at private cemeteries; H.R.2051 Veterans Missing in America Act of 2011; H.R.2052 Fort McClellan Health Registry Act H.R.2053Veterans' Disability Claims Efficiency Act of 2011; H.R.2074Veterans Sexual Assault Prevention Act H.R.2082Work Opportunity Credit Improvements Act; H.R.2148Disabled Veterans Commissary and Exchange Store Benefits Act; H.R.2159 PROSTATE ActProstate Research, Outreach, Screening, Testing, Access, and Treatment Effectiveness Act of 2011; H.R.2203; To establish a pilot program under which veterans in the State of Alaska may receive health care benefits from the Department of Veterans Affairs at non-Department medical facilities, and for other purposes. H.R.2243Veterans Employment Promotion Act H.R.2266To amend title 10, United States Code, to reform Department of Defense energy policy, and for other purposes. H.R.2274To amend title 38, United States Code, to direct the Secretary of Veterans Affairs and the Secretary of Defense to submit to Congress annual reports on the Post-9/11 Educational Assistance Program, and for other purposes. H.R.2288To amend title 10, United States Code, to provide for certain treatment of autism under TRICARE. H.R.2300To amend title 38, United States Code, to extend the authorization of appropriations for the Secretary of Veterans Affairs to pay a monthly assistance allowance to disabled veterans training or competing for the Paralympic Team. S.90A bill to establish the Military Family-Friendly Employer Award for employers that have developed and implemented workplace flexibility policies to assist the working spouses and caregivers of service members, and returning service members, in addressing family and home needs during deployments. S.146Veteran Employment Transition Act of 2011; S.242 Guardians of Freedom Act of 2011; S.243 Citizen Soldier Support Act; S.260 A bill to amend title 10, United States Code, to repeal the requirement for reduction of survivor annuities under the Survivor Benefit Plan by veterans' dependency and indemnity compensation. S.277Caring for Camp Lejeune Veterans Act of 2011; S.325Embedded Mental Health Providers for Reserves Act of 2011 S.344Retired Pay Restoration Act of 2011; S.367 Hire A Hero Act of 2011; S.387Spending Control Act of 2011 S.390Blue Star/Gold Star Flag Act of 2011; S.981A bill to authorize appropriations for fiscal year 2012 for military activities of the Department of Defense and for military construction, to prescribe military personnel strengths for fiscal year 2012, and for other purposes; S.1017 Disabled Veteran Caregiver Housing Assistance Act of 2011; S.1060 A bill to improve education, employment, independent living services, and health care for veterans, to improve assistance for homeless veterans, and to improve the administration of the Department of Veterans Affairs, and for other purposes. H.R.2301To amend title 38, United States Code, to direct the Secretary of Veterans Affairs to make payments to educational institutions under the Post-9/11 Educational Assistance Program at the end of a quarter, semester, or term, and for other purposes. H.R.2302To amend title 38, United States Code, to direct the Secretary of Veterans Affairs to notify Congress of conferences sponsored by the Department of Veterans Affairs. H.R.2305To amend title 38, United States Code, to make memorial headstones and markers available for purchase on behalf of members of reserve components who performed inactive duty training or active duty for training but did not serve on active duty; H.R.2318To amend title 38, United States Code, to authorize the Secretary of Veterans Affairs to increase the amount of the Medal of Honor special pension provided under that title by up to $500; H.R.2329 To amend the Servicemembers Civil Relief Act to provide for certain requirements for financial institutions that are creditors for obligations and liabilities covered by that Act; H.R.2345 To amend title 38, United States Code, to extend the authorization of appropriations for the Secretary of Veterans Affairs to pay a monthly assistance allowance to disabled veterans training or competing for the Paralympic Team and the authorization of appropriations for the Secretary of Veterans Affairs to provide assistance to United States Paralympics, Inc; H.R.2349To amend title 38, United States Code, to direct the Secretary of Veterans Affairs to annually assess the skills of certain employees and managers of the Veterans Benefits Administration, and for other purposes. H.R.2355To amend title 38, United States Code, to exclude individuals who have been convicted of committing certain sex offenses from receiving certain burial-related benefits and funeral honors which are otherwise available to certain veterans, members of the Armed Forces, and related individuals, and for other purposes. H.R.2377To amend title 38, United States Code, to provide for expedited procedures for the consideration of certain veterans claims, and for other purposes. H.R.2383To amend title 38, United States Code, to authorize the Secretary of Veterans Affairs to use electronic communication to provide required notice to claimants for benefits under laws administered by the Secretary, and for other purposes; H.R.2384To amend title 38, United States Code, to direct the Secretary of Veterans Affairs to conduct cost-benefit analyses of certain contracts; H.R.2388 To amend title 38, United States Code, to improve the submission of information by the Secretary of Veterans Affairs to Congress; H.R.2403To authorize the Secretary of Defense to provide assistance to State National Guards to provide counseling and reintegration services for members of reserve components of the Armed Forces ordered to active duty in support of a contingency operation, members returning from such active duty, veterans of the Armed Forces, and their families; H.R.2419 COMBAT PTSD ActCompensation Owed for Mental Health Based on Activities in Theater Post-traumatic Stress Disorder Act; H.R.2433 To amend title 38, United States Code, to make certain improvements in the laws relating to the employment and training of veterans, and for other purposes; H.R.2470 E-SERV ActEnsuring Servicemembers' Electronic Records' Viability Act; H.R.2477 To amend title 38, United States Code, to establish a Department of Veterans Affairs Medal for Distinguished Public Service to honor veterans who make remarkable and distinguished contributions to their communities; H.R.2496 Payment Reliability for our Obligations to Military and Investors to Secure Essential Stability ActPROMISES Act; H.R.2498 Veterans Day Moment of Silence Act; H.R.2506 Making Work and Marriage Pay Act of 2011 H.R.2530 To amend title 38, United States Code, to provide for increased flexibility in establishing rates for reimbursement of State homes by the Secretary of Veterans Affairs for nursing home care provided to veterans; H.R.2550 Spouses of Fallen Heroes Scholarship Act; H.R.2559 Helping Homeless Heroes Act of 2011; S.67 A bill to amend title 10, United States Code, to permit former members of the Armed Forces who have a service-connected disability rated as total to travel on military aircraft in the same manner and to the same extent as retired members of the Armed Forces are entitled to travel on such aircraft; S.68 A bill to amend title 10, United States Code, to authorize certain disabled former prisoners of war to use Department of Defense commissary and exchange stores; S.411Helping Our Homeless Veterans Act of 2011; S.423 A bill to amend title 38, United States Code, to provide authority for retroactive effective date for awards of disability compensation in connection with applications that are fully-developed at submittal, and for other purposes; S.472 Service Members Permanent Change of Station Relief Act; S.1080PRO-VETS Act of 2011Providing Real Outreach for Veterans Act of 2011; S.1089Veterans Health Care Improvement Act of 2011; S.1104A bill to require regular audits of, and improvements to, the Transition Assistance Program; S.1123 A bill to amend title 38, United States Code, to improve the provision of benefits and assistance under laws administered by the Secretary of Veterans Affairs to veterans affected by natural or other disasters, and for other purposes. S.1124 A bill to amend title 38, United States Code, to improve the utilization of teleconsultation, teleretinal imaging, telemedicine, and telehealth coordination services for the provision of health care to veterans, and for other purposes; S.1127 A bill to amend title 38, United States Code, to establish centers of excellence for rural health research, education, and clinical activities and to recognize the rural health resource centers in the Office of Rural Health, and for other purposes.

H.R. 1081, Consumers Payment System Protection Act (Entire Bill); S. 575, Debit Interchange Fee Study Act of 2011(Entire Bill and S.Amdt #392); Housing Finance Reform;H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011(Entire Bill); H.R, 1221: Equity in Government Compensation Act of 2011(Entire Bill); H.R. 1222, GSE Subsidy Elimination Act of 2011(Entire Bill); H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011(Entire Bill); H.R. 1224, GSE Portfolio Risk Reduction Act of 2011(Entire Bill); H.R. 1225, GSE Debt Issuance Approval Act of 2011(Entire Bill); H.R. 1226, GSE Mission Improvement Act of 2011(Entire Bill); H.R. 1227, GSE Risk and Activities Limitation Act of 2011(Entire Bill); H.R. 1182, GSE Bailout Elimination and Taxpayer Protection Act (Entire Bill); H.R. 1859, Housing Finance Reform Act of 2011 (Entire Bill;H.R. 2413, Secondary Market Facility for Residential Mortgages Act of 2011 (Entire Bill); National Flood Insurance Program; H.R. 1309, the Flood Insurance Reform Act of 2011 (Entire Bill); H.R. 1026, the Flood Insurance Reform Priorities Act of 2011 (Entire Bill); S. 737, the Responsible Consumer Financial Protection Regulations Act of 2011 (Entire Bill); H.R. 4173 [PL111-203] the Dodd-Frank Wall Street Reform and Consumer Protection Act (Entire Bill); H.R.87 : To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (Entire Bill); H.R. 1121, the Responsible Consumer Financial Protection Regulations Act of 2011(Entire Bill); H.R. 1315, the Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (Entire Bill); ); H.R. 1667, the Bureau of Consumer Financial Protection Transfer Clarification Act (Entire Bill); S.737 Responsible Consumer Financial Protection Regulations Act of 2011 (Entire Bill); Credit Union Member Business Lending Requirements and Restrictions; H.R. 1418, Small Business Lending Enhancement Act of 2011 (Entire Bill); S. 509, Small Business Lending Enhancement Act of 2011 (Entire Bill); Data Security; Credit Union Tax Exemption; National Commission on Fiscal Responsibility and Reform final report entitled, The Moment of Truth; Statutory federal debt limit; Legislation making appropriations for financial services and general government for the fiscal year ending September 30, 2012; National Credit Union Administrations Central Liquidity Fund; Community Development Revolving Loan Fund Appropriations; Community Development Financial Institutions Fund Appropriations; Suspicious Activity Reports (SARs) requirements under the Bank Secrecy Act (S.Amdt. #365 on S.1038); H.R.2366 , Internet Gambling Prohibition, Poker Consumer Protection, and Strengthening UIGEA Act of 2011 (Section 202); Interest on Lawyers Trust Accounts Coverage Parity for Credit Unions; Servicemembers Civil Relief Act; S.486, Protecting Servicemembers from Mortgage Abuses Act of 2011; H.R.544 , To amend the Servicemembers Civil Relief Act to permanently extend the period of protections for servicemembers against mortgage foreclosures, and for other purposes; H.R.1263, To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures; H.R.1911 ,Protecting Veterans' Homes Act; H.R.2329, Ensuring a Response for Servicemembers Act; Department of Defense Instruction 1000.11 (one-bank, one- credit union); Patent Reform; H.R. 1249, Leahy-Smith America Invents Act; S. 23, America Invents Act; Consumer Financial Protection Bureaus enforceable rules (Regulation Z; Truth in Lending Act; The Credit Card Accountability, Responsibility and Disclosure Act; Real Estate Settlement Procedures Act); Regulation of non-depository financial service providers; Consumer Financial Protection Bureau consumer complaint form; Interchange fees and network routing requirements; Electronic Funds Transfer Act; Federal Reserve Boards proposed changes regarding availability of funds and check collection; Federal Reserve Boards proposed changes regarding escrow accounts; Federal Reserve Boards proposed changes to risk-based pricing notices; Proposed rule on risk management enhancements issued by NACHA-the Electronic Payments Association; Proposed rule on corporate account takeover issued by NACHA-the Electronic Payments Association; Multi-agency interim final rule on garnishing accounts that contain federal benefit payments; National Credit Union Administration, improving transparency of the agencys Overhead Transfer Rate methodology;National Credit Union Administration proposed voluntary corporate stabilization prepayment program; National Credit Union Administration Office of Consumer Protection procedures; Joint agency rulemaking with respect to incentive-based compensation arrangements; National Credit Union Administrations proposed rule to amend the definition of net worth and equity ratio; National Credit Union Share Insurance Fund;National Credit Union Administrations proposed rule on interest rate risk policy and management program for federally-insured credit unions; National Credit Union Administrations Budget; National Credit Union Administrations (NCUA) proposed rule on removing references to credit ratings in NCUAs regulations and proposing alternatives to the use of credit ratings; Troubled Debt Restructuring; Financial Regulatory Reform; Regulatory Relief for Financial Institutions; Financial Literacy; Overdraft Fees; Troubled Asset Relief Program (TARP); Community Reinvestment Act (CRA); Mortgage Bankruptcy Cramdown; SBA Loan Guarantee; Remittances; Credit Risk Retention; Consumer Financial Protection Bureau; Credit Union Capital Reform and Alternative Capital; The S.A.F.E. Mortgage Licensing Act of 2008 (definition of loan originator); Federal Reserve Board, Regulation Z (rule on Escrow Accounts); Federal Reserve Board, Regulation Z (Proposed Rule on Risk-Base Pricing); National Credit Union Administrations corporate stabilization plan; National Credit Union Administrations Merger Partner registry; National Credit Union Administrations rule with respect to fiduciary duties for directors at federal credit unions; National Credit Union Administrations interim Interpretive Ruling and Policy Statement (IRPS) on NCUA's supervisory committee; National Credit Union Administrations proposed rule on temporary insurance coverage of non-interest bearing transaction accounts; Joint proposed rule by the U.S. Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC) on the definitions of "swap dealer" and related terms; National Credit Union Administrations proposed rule on sample income data to obtain the agency's low income designation; National Credit Union Share Insurance Fund (NCUSIF); National Credit Union Administrations proposed rule on advertising and notice of insured status; National Credit Union Administrations Regulatory Flexibility program; The Federal Housing Finance Agency's (FHFA) Advance Notice of Proposed Rule-making on requirements for Federal Home Loan Bank membership; National Credit Union Administrations Final Interpretive Ruling and Policy Statement (IRPS) on corporate chartering; National Credit Union Administrations proposed rule on Interest Rate Risk Management; Prompt corrective action and net worth; risk based capital standards; National Credit Union Administrations rule on mergers and credit unions conversions; credit union governance; Real Estate Appraiser Independence.

H.R. 1081, Consumers Payment System Protection Act (Entire Bill); S. 575, Debit Interchange Fee Study Act of 2011(Entire Bill and S.Amdt #392); Housing Finance Reform;H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011(Entire Bill); H.R, 1221: Equity in Government Compensation Act of 2011(Entire Bill); H.R. 1222, GSE Subsidy Elimination Act of 2011(Entire Bill); H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011(Entire Bill); H.R. 1224, GSE Portfolio Risk Reduction Act of 2011(Entire Bill); H.R. 1225, GSE Debt Issuance Approval Act of 2011(Entire Bill); H.R. 1226, GSE Mission Improvement Act of 2011(Entire Bill); H.R. 1227, GSE Risk and Activities Limitation Act of 2011(Entire Bill); H.R. 1182, GSE Bailout Elimination and Taxpayer Protection Act (Entire Bill); H.R. 1859, Housing Finance Reform Act of 2011 (Entire Bill;H.R. 2413, Secondary Market Facility for Residential Mortgages Act of 2011 (Entire Bill); National Flood Insurance Program; H.R. 1309, the Flood Insurance Reform Act of 2011 (Entire Bill); H.R. 1026, the Flood Insurance Reform Priorities Act of 2011 (Entire Bill); S. 737, the Responsible Consumer Financial Protection Regulations Act of 2011 (Entire Bill); H.R. 4173 [PL111-203] the Dodd-Frank Wall Street Reform and Consumer Protection Act (Entire Bill); H.R.87 : To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (Entire Bill); H.R. 1121, the Responsible Consumer Financial Protection Regulations Act of 2011(Entire Bill); H.R. 1315, the Consumer Financial Protection Safety and Soundness Improvement Act of 2011 (Entire Bill); ); H.R. 1667, the Bureau of Consumer Financial Protection Transfer Clarification Act (Entire Bill); S.737 Responsible Consumer Financial Protection Regulations Act of 2011 (Entire Bill); Credit Union Member Business Lending Requirements and Restrictions; H.R. 1418, Small Business Lending Enhancement Act of 2011 (Entire Bill); S. 509, Small Business Lending Enhancement Act of 2011 (Entire Bill); Data Security; Credit Union Tax Exemption; National Commission on Fiscal Responsibility and Reform final report entitled, The Moment of Truth; Statutory federal debt limit; Legislation making appropriations for financial services and general government for the fiscal year ending September 30, 2012; National Credit Union Administrations Central Liquidity Fund; Community Development Revolving Loan Fund Appropriations; Community Development Financial Institutions Fund Appropriations; Suspicious Activity Reports (SARs) requirements under the Bank Secrecy Act (S.Amdt. #365 on S.1038); H.R.2366 , Internet Gambling Prohibition, Poker Consumer Protection, and Strengthening UIGEA Act of 2011 (Section 202); Interest on Lawyers Trust Accounts Coverage Parity for Credit Unions; Servicemembers Civil Relief Act; S.486, Protecting Servicemembers from Mortgage Abuses Act of 2011; H.R.544 , To amend the Servicemembers Civil Relief Act to permanently extend the period of protections for servicemembers against mortgage foreclosures, and for other purposes; H.R.1263, To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures; H.R.1911 ,Protecting Veterans' Homes Act; H.R.2329, Ensuring a Response for Servicemembers Act; Department of Defense Instruction 1000.11 (one-bank, one- credit union); Patent Reform; H.R. 1249, Leahy-Smith America Invents Act; S. 23, America Invents Act; Consumer Financial Protection Bureaus enforceable rules (Regulation Z; Truth in Lending Act; The Credit Card Accountability, Responsibility and Disclosure Act; Real Estate Settlement Procedures Act); Regulation of non-depository financial service providers; Consumer Financial Protection Bureau consumer complaint form; Interchange fees and network routing requirements; Electronic Funds Transfer Act; Federal Reserve Boards proposed changes regarding availability of funds and check collection; Federal Reserve Boards proposed changes regarding escrow accounts; Federal Reserve Boards proposed changes to risk-based pricing notices; Proposed rule on risk management enhancements issued by NACHA-the Electronic Payments Association; Proposed rule on corporate account takeover issued by NACHA-the Electronic Payments Association; Multi-agency interim final rule on garnishing accounts that contain federal benefit payments; National Credit Union Administration, improving transparency of the agencys Overhead Transfer Rate methodology;National Credit Union Administration proposed voluntary corporate stabilization prepayment program; National Credit Union Administration Office of Consumer Protection procedures; Joint agency rulemaking with respect to incentive-based compensation arrangements; National Credit Union Administrations proposed rule to amend the definition of net worth and equity ratio; National Credit Union Share Insurance Fund;National Credit Union Administrations proposed rule on interest rate risk policy and management program for federally-insured credit unions; National Credit Union Administrations Budget; National Credit Union Administrations (NCUA) proposed rule on removing references to credit ratings in NCUAs regulations and proposing alternatives to the use of credit ratings; Troubled Debt Restructuring; Financial Regulatory Reform; Regulatory Relief for Financial Institutions; Financial Literacy; Overdraft Fees; Troubled Asset Relief Program (TARP); Community Reinvestment Act (CRA); Mortgage Bankruptcy Cramdown; SBA Loan Guarantee; Remittances; Credit Risk Retention; Consumer Financial Protection Bureau; Credit Union Capital Reform and Alternative Capital; The S.A.F.E. Mortgage Licensing Act of 2008 (definition of loan originator); Federal Reserve Board, Regulation Z (rule on Escrow Accounts); Federal Reserve Board, Regulation Z (Proposed Rule on Risk-Base Pricing); National Credit Union Administrations corporate stabilization plan; National Credit Union Administrations Merger Partner registry; National Credit Union Administrations rule with respect to fiduciary duties for directors at federal credit unions; National Credit Union Administrations interim Interpretive Ruling and Policy Statement (IRPS) on NCUA's supervisory committee; National Credit Union Administrations proposed rule on temporary insurance coverage of non-interest bearing transaction accounts; Joint proposed rule by the U.S. Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC) on the definitions of "swap dealer" and related terms; National Credit Union Administrations proposed rule on sample income data to obtain the agency's low income designation; National Credit Union Share Insurance Fund (NCUSIF); National Credit Union Administrations proposed rule on advertising and notice of insured status; National Credit Union Administrations Regulatory Flexibility program; The Federal Housing Finance Agency's (FHFA) Advance Notice of Proposed Rule-making on requirements for Federal Home Loan Bank membership; National Credit Union Administrations Final Interpretive Ruling and Policy Statement (IRPS) on corporate chartering; National Credit Union Administrations proposed rule on Interest Rate Risk Management; Prompt corrective action and net worth; risk based capital standards; National Credit Union Administrations rule on mergers and credit unions conversions; credit union governance; Real Estate Appraiser Independence.

See Next Page For Listing SUPPORT FOR H.R. 111 ESTABLISHING A SELECT COMMITTEE ON POW AND MIA AFFAIRS; SUPPORT OF H.R. 814 MEDICARE REIMBURSEMENT ACT OF 2011; SUPPORT OF S. 696 TO AMEND TITLE 38, USC, TO TREAT VET CENTERS AS DEPARTMENT OF VETERANS AFFAIRS FACILITIES FOR PURPOSES OF PAYMENTS OF ALLOWANCES FOR BENEFICIARY TRAVEL TO DEPARTMENT FACILITIES AND FOR OTHER PURPOSES; SUPPORT FOR H.R. 1092 MILITARY RETIREES HEALTH CARE PROTECTION ACT; SUPPORT FOR S. 582, SOCIAL SECURITY PROTECTION ACT OF 2011; SUPPORT FOR S. 815, SANCTITY OF ETERNAL REST FOR VETERANS ACT OF 2011; SUPPORT FOR H.R. 1263, TO AMEND THE SERVICEMEMBERS CIVIL RELIEF ACT TO PROVIDE SURVIVING SPOUSES WITH CERTAIN PROTECTINS RELATING TO MORTGAGES AND MORTGATE FORECLOSURES; SUPPORT FOR H.R. 535 MILITARY FAMILIES FINANCIAL PREPAREDNESS ACT; URGING AMENDMENT TO H.R. 2847 HIRING INCENTIVE TO RESTORE EMPLOYMENT ACT TO EMPHASIZE HIRING OF VETERANS; SUPPORTING FUNDING IN 2012 BUDGET FOR CONGRESSIONALLY DIRECTED MEDICAL RESEARCH PROGRAMS (CDMRP) FOR MS RESEARCH; SUPPORT FOR H. R. 1283 AND s. 866 RESERVE RETIREMENT DEPLOYMENT CREDIT CORRECTION ACT; SUPPORT FOR S. 697, THE MILITARY SPOUSE JOB CONTINUITY ACT; SUPPORT FOR S. 491 AND HR 1025 HONOR AMERICAS GUARD-RESERVE RETIREES ACT, 2011; SUPPORT FOR CHANGES TO P.L. 111-377 THEPOST 9/11 VETERANS EDUCATIONAL ASSISTANCE IMPROVEMENTS ACT OF 2010; SUPPORT FOR S. 1017 DISABLED VETERAN CAREGIVER HOUSING ASSISTANCE ACT OF 2011; SUPPORT FOR H.R. 452 MEDICARE DECISIONS ACCOUNTABILITY ACT OF 2011; REQUESTING THAT LEGISLATION BE INTRODUCED TO MAINTAIN CLARK VETERANS CEMETERY IN THE PHILIPPINES; URGING CHANGES TO 31 CFR PART 212 TO INCLUDE OTHER DEPTS MILITARY RETIRED PAY AS EXEMPT FROM GARNISHMENT ORDERS; SUPPORT FOR SEC. 573 OF NDAA PROTECTION OF CHILD CUSTODY ARRANGEMENTS FOR PARENTS WHO ARE MEMBERS OF THE ARMED FORCES; REQUESTING THAT AN APPEAL FILED REGARDING TRICARE BE EXPEDIENTED BY THE LABOR DEPARTMENT;

H.R.87, To repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act H.R.237, To amend the Homeowners Assistance Program of the Department of Defense to give the Secretary of Defense flexibility regarding setting the commencement date for homeowner assistance for members of the Armed Forces permanently reassigned during the mortgage crisis H.R.1263, To amend the Service members Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures Issues related to financial privacy Issues related to credit card interchange fees and implementation of Consumer Financial Protection Bureau Issues related to gift cards, debt settlement, ATM fees, and payroll cards

Client expense: $50,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Natl Aeronautics & Space Administration (NASA), Natl Highway Traffic Safety Administration (NHTSA), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, White House Office