Small Business Lending Enhancement Act of 2011

Legislation: Regulatory environment affecting banks, including community banks; Debit Card Interchange Fee legislation (S.575, H.R.1081, H.R.3156); GSE legislation (H.R.1182, H.R.31, H.R.1221, H.R.1222,H.R.1223, H.R.1224, H.R.1225, H.R.1226, H.R.1227, H.R.2436, H.R.2441, H.R.2440, H.R.2462, H.R.463, H.R.2439); Mortgage Foreclosure Relief legislation (H.R.830, H.R.836, H.R.839, H.R.861) ; (Continued on next page)Legislation (cont'd.): Credit Union business lending (S.509, H.R.1418, S.2231); Internet Gambling Regulation (H.R.1174); Consumer Financial Protection Bureau Governance (H.R.1121, H.R.1315). Small Business Lending (S.493), Bankruptcy Legislation (S.222), National Flood Insurance Reform (H.R.1309), Business Activity Tax Simplification Act (H.R. 1439), Executive Compensation (H.R. 1062), Covered Bonds (H.R.940), Patent Reform (H.R.1249), CFPB Appropriations Legislation. Information Security/Privacy (H.R.2577, H.R.3035, S.1151, S.1408, S.1434, S.1535), Deficit Reduction, American Jobs Act, Appropriation Legislation, Patent Office Reform (H.R.1249). Fannie Mae/Freddie Mac/FHA Fees (H.R. 3765); Flood Insurance Reform & Extension (H.R.2608, HJ Res. 94, HJ Res. 95, H.R.2055, H.R.3671, S.1958); Bank & Corporate Governance (H.R. 1965, S.556, S.1941,H.R.2940, H.R.2930); SEC Registration Threshold (H.R.2167, HR.1070); Sarbanes-Oxley Auditor Requirements (H.R.3213); Restoration of Fannie Mae/Freddie Mac/FHA Higher Loan Limits (Amendment to Ag Appropriations bill); Bank Examination Fairness (H.R.3461,S.2160); Bank Failure Study Legislation (H.R.2056); Federal Tax on Larger Financial Institutions; Credit Union Capital (H.R.3993); Amendment on non-resident alien interest reporting; The JOBS Act - H.R.3606; Municipal Advisor Exemption - H.R.2827; CFPB Confidential Information Protection - H.R.4014. Regulation: Fed. Reg. B (Equal Credit Opportunity) Rules, Fed and FDIC Orderly Resolution Regulations for Systemically Significant Companies, Fin CEN Bank Secrecy Act reporting requirements, General Obligation Bonds, Thrift institution regulation and reporting transfer to OCC and Fed, FASB Auditor Independence Rules, OCC Guidance on Deposit-Related Consumer Credit Products, Fed, FDIC and OCC Retail Foreign Exchange Rules, Regulation Q, Fed and FTC Credit Score Disclosure Rules, OCC Foreclosure Guidance. FDIC Assessment, Base & Rate Regulation; Registration of Mortgage Loan Originators; Federal Reserve Regulation II - debit card interchange fee regulation; SEC registration of municipal advisor regulation; FDIC Interest on Lawyer Account deposit insurance coverage regulation; FASB Mark to Market Accounting; shareholder executive compensation rules; FASB lease accounting rules; FASB impairment of financial asset rules; mortgage disclosure regulation; regulatory burden relief; federal garnishment rules; Federal Home Loan Bank system membership; Credit Card Act implementation; Regulation Z (Truth-in-Lending) amendments; Payment Settlement Entity Reporting; Interest on Non-Resident Alien Account Reporting; Credit Risk Retention Regulation. FDIC and OCC Overdraft and Bank Product Guidance, Repeal of Reg. Q, FHFA Rules on purchase of housing cooperative loans, IRS Guidance on Trust Commissions, Fed Savings and Loan Holding Company Regulation, Fed Remittance Transfer Proposal, National bank preemption, Risk-based capital requirements, CFPB Regulations. Home Mortgage Disclosure Act Reporting of Assignments in lieu of Mortgage Discharge (Reg C); Restrictions on Bank Proprietary Trading (Volcker Rule); Acquisitions of non-systemically significant financial institutions; Flood Insurance Guidance; Treasury Home Affordable Refinance Program; Examiner Treatment of New York State and Local Government Securities; CFPB Credit Card Disclosures; CFPB Deposit Account Disclosures; CFPB Mortgage Disclosures; Enhanced Regulation of large bank holding companies and non-bank firms. Patent and Trademark Reform Regulatory Implementation; Regulations Implementing the Dodd-Frank Act; Stress Test Regulations; Allowance for Loan and Lease Losses (ALLL); Servicing and Foreclosure Guidance and Regulations; Home Loan Bank Member Supervision; CFPB Streamlined Regulations Project; CFPB Regulations on Privileged Information.

Client expense: $70,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

HR 1418, and S. 2231: Small Business Lending Enhancement Act of 2012. Increases the member business lending cap for credit unions from 12.25% to 27.5% of total assets.

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 509, the Small Business Lending Enhancement Act of 2011 (all provisions) S. 556, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions)S. 1151, the Personal Data Privacy and Security Act of 2011 (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) S. 1207, the Data Security and Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1408, the Data Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1418, Emergency Management Assistance Compact Act of 2011 S. 1434, the Data Security Act of 2011, (all provisions, including data security and consumer notice requirements) S. 1535, the Personal Data Protection and Breach Accountability Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1615, the Financial Regulatory Responsibility Act of 2011 (all provisions) S. 1824, the Private Company Flexibility and Growth Act (all provisions) S. 1941, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) S. 2099, a bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) S. 2160, the Financial Institutions Examination Fairness and Reform Act (all provisions) S. 2223, a bill to address the implementation of certain prohibitions under the Bank Holding Company Act of 1956, and for other purposes (all provisions) S. 2231, the Small Business Lending Enhancement Act of 2012 (all provisions) H.R. 87, to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act (all provisions) H.R. 940, the United States Covered Bond Act of 2011 (all provisions) H.R. 1062, the Burdensome Data Collection Relief Act (all provisions) H.R. 1070, the Small Company Capital Formation Act of 2011 (all provisions) H.R. 1151, the Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 (all provisions) H.R. 1418, the Small Business Lending Enhancement Act of 2011 (all provisions) H.R. 1539, the Asset-Backed Market Stabilization Act of 2011 (all provisions) H.R. 1573, a bill to facilitate implementation of title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption (all provisions) H.R. 1965, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions)H.R. 2056, a bill To instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes H.R. 2167, the Private Company Flexibility and Growth Act (all provisions) H.R. 2577, the SAFE Data Act (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) H.R. 3283, the Swap Jurisdiction Certainty Act (all provisions) H.R. 3461, the Financial Institutions Examination Fairness and Reform Act (all provisions) H.R. 3606, the Jumpstart Our Business Startups (JOBS) Act (provisions regarding shareholder threshold for SEC registration) H.R. 3871, the Proprietary Information Protection Act of 2012 (all provisions) H.R. 3993, Capital Access for Small Businesses and Jobs Act H.R. 4014, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) H.R. 4088, the Capital Expansion Act (all provisions) H.R. 4235, to amend the Securities Exchange Act of 1934 and the Commodity Exchange Act to repeal the indemnification requirements for regulatory authorities to obtain access to swap data required to be provided by swaps entities under such Acts (all provisions) Proposal to implement the Volcker Rule under the Dodd-Frank Act

Client expense: $2,500,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

H.R. 8 Job Protection and Recession Prevention Act of 2012 Bill would extend for an additional year, through 2013, the Bush-era tax reductions originally enacted in 2001 and 2003, and set to expire at the end of this year. NSBA supported. H.R. 9 The Small Business Tax Cut Act Bill will allow businesses with fewer than 500 employees to take a tax deduction equal to 20 percentfor one yearof their active business income. This deduction also would apply to pass-through entities, which compose the majority of small businesses. NSBA supported. H.R. 25 Fair Tax Act of 2011 Legislation to abolish the Internal Revenue Service and enact a national retail sales tax. NSBA supported. H.R. 436 Protect Medical Innovation Act of 2012 Bill would amend the Internal Revenue Code to repeal the medical device excise tax that is scheduled to go into effect on January 1, 2013. NSBA supported. H.R. 679 - Berry Amendment Extension Act This bill would require that any items purchased by the Sec. of the Department of Homeland Security directly related to national security interests are grown, reprocessed, reused, or produced in the US, except with regard to issues of necessary quality and quantity. NSBA supported H.R. 880 - Equity for Our Nations Self-Employed Act of 2011 The bill would allow self-employed individuals to fully-deduct the cost of their health insurance, thus eliminating the self-employed tax on health care. NSBA supported. H.R. 1259 Death Tax Repeal Permanency Act of 2011 Bill to repeal the estate tax. The effective date is the date of enactment, and the bill retains step-up basis. NSBA supported. H.R. 1418 - Small Business Lending Enhancement Act of 2011 Bill would increase the cap for credit union lending from 12.25 percent to 27.5 percent of total assets of the credit union. NSBA supported. H.R. 1663 Small Business Encouragement Act Amends the Internal Revenue Code to allow small business employers whose gross receipts in the preceding taxable year did not exceed $20 million, or who did not employ more than 100 full time employees, a work opportunity tax credit for hiring unemployed individuals as full-time employees during 2012 and 2013. NSBA opposed. H.R. 1697 Communities First Act Bill would provide community bank regulatory relief. NSBA supported. H.R. 1827 Home Office Deduction Simplification Act Bill would allow home-based businesses to take a standard $1,500 deduction for home office expenses. NSBA supported. H.R. 2312 - Department of Defense Textile and Apparel Procurement Fairness Act Among other things, prohibits DoD from purchasing more than 5 percent of any one textile or apparel product from the Federal Prison Industries (FPI). NSBA supported. H.R. 2501, H.R. 1113 Fair Employment Opportunity Act of 2011 Would make unemployed a protected class for discrimination law purposes. NSBA opposed. H.R. 2885 Legal Workforce Act This bill would make the use of E-Verify Mandatory for all employers. NSBA opposed. H. R. 2941 Startup Expansion and Investment Act Bill would address SarbanesOxley internal control reporting for small entities. NSBA supported. H.R. 3012 - Fairness for High-Skilled Immigrants Act Would eliminate the per-country numerical cap on the number of employment-based immigrant visas and increase the per-country numerical limitation for family-sponsored immigrant visas from 7 percent to 15 percent annually. NSBA is monitoring. H.R. 3476 AGREE Act Bill would address SarbanesOxley internal control reporting for small entities. NSBA supported. H.R. 3634 - Federal Prison Industries Competition in Contracting Act Require the Federal Prison Industries (FPI) to compete for government contracts, requires FPI to provide a detailed analysis of the probable impact on the private sector, prohibit FPI from selling products commercially, and require agencies to research private sector products based on price, quality, and time of delivery, among other things. NSBA is monitoring. H.R. 3786 - Plain Regulations Act of 2012 This bill would reform the regulatory process to require the use of clear and concise language in all new government regulations. NSBA supported. H.R. 3850 - Government Efficiency Through Small Business Contracting Act of 2012 Raise the government-wide small business contracting goal from 23% to 25%, the small business subcontracting goal from 35.9% to 40%, and also prevent senior officials from receiving bonuses in subsequent years where their respective agencies failed to meet the established small business contracting goals. NSBA supported. H.R. 3851 - Small Business Advocate (SBAA) This bill would enhance the role of the Office of Small and Disadvantaged Business Utilization (OSDBU) by elevating the OSDBU Director to a Senior Executive Service position and would prohibit them from holding another position at the same time. NSBA supported. H.R. 3893 - Subcontracting Transparency and Reliability (STAR) Act of 2012 Ensure that small businesses are the ones actually benefiting from the contracts set aside on their behalf. It would also allow more small businesses to partner and compete for federal contracts. NSBA supported. H.R. 3980 - Small Business Opportunity Act of 2012 Enhance the role of small-business advocates in the federal acquisition and procurement processes, create small-business contracting classes, and ensure that small business concerns are properly utilized in all applicable federal procurement and acquisition planning processes. NSBA supported. H.R. 3985 - Building Better Business Partnerships Act of 2012 This bill would allow the SBA to oversee all civilian mentor protege programs, improve small-businesses ability to win and perform on government contracts. NSBA supported. H.R. 3987 - Small Business Protection Act of 2012 Would ensure that the size standards assigned to each industry group are appropriate for each NAICS code and do not make it more difficult for small-business to compete for federal contracting opportunities. NSBA supported. H.R. 4032 - Help Entrepreneurs Create American Jobs Act Amends Section 195 of the Internal Revenue Code to increase the allowable deduction for business start-up expenses from $5,000 to $10,000, extending the 2010 temporary increase in the maximum deduction for start-up expenditures for ten years. NSBA supported. H.R. 4081 - Contractor Opportunity Protection (COP) Act of 2012 Protects small business contractors from unfair contract bundling by allowing the SBA (or a third party group) to appeal an agencys decision to bundle contracts, clarifies statutory limits on contract bundling, and requires publication of bundling justification to increase transparency. NSBA supported. H.R. 4118 - Small Business Procurement Improvement Act of 2012 Requires federal agencies to include small business concerns in multiple award contracts, carry out a program to increase small business participation in multiple award contracts, and provide the SBA with representation on the Federal Acquisition Regulatory Council. NSBA supported. H.R. 4121 - Early Stage Small Business Contracting Act of 2012 Requires SBA administrator to create and carry out a program to provide improved access to federal contract opportunities for early-stage small business concerns. NSBA supported. H.R. 4191 - Credit Union Small Business Lending Act Establishes a separate process by which credit unions participating in the 7(a) loan program may receive approvals and repurchases regarding loan guarantees under that program, creates a credit union outreach program, and authorizes the SBA Administrator to simplify the application process for credit union participation. NSBA is monitoring. H.R. 4196 Bonus Depreciation Bill extends 100 percent bonus depreciation through the rest of this year. Bonus depreciation allows businesses of all sizes to immediately expense the cost of property purchased and placed into service. NSBA supported. H.R. 4203 - Womens Procurement Program Improvement Act of 2012 This bill would expand contracting opportunities for women-owned small business concerns. NSBA supported. H.R. 4206 - Contracting Oversight for Small Business Jobs Act of 2012 Addresses contracting fraud by helping small businesses comply with complicated contracting and size rules, and providing a safe harbor for small businesses making a good faith effort to comply with those rules. NSBA supported. H.R. 4310 National Defense Authorization Act (NDAA) Reauthorizes our national defense programs and includes contracting reform provisions that will help small businesses. NSBA is monitoring this legislation, but supports the specific contracting reform provisions. H.R. 4377 RAPID Act Would improve the environmental review and permitting process by providing concurrent reviews, allow state-level environmental reviews to be used in certain situations, consolidate the process into a single Environmental Impact Statement (EIS), and impose fixed deadlines for completion of an EIS or an Environmental Assessment (EA). NSBA supported. H.R. 4409 Reforming and Consolidating Government Act of 2012 This bill would define President Obamas proposed efficiency-enhancing plan as a reorganization plan and also expands the Presidents executive authority to reorganize federal agencies. NSBA is monitoring. H.R. 4471 Gasoline Regulations Act of 2012 Bill would establish an interagency committee to analyze and report on the cumulative impact of certain EPA regulations and actions that affect gasoline, diesel fuel, natural gas prices, jobs, and the economy. NSBA is monitoring. H.R. 4480 Strategic Energy Production Act of 2012 Bill would require the development of a plan to increase oil and gas exploration, development and production under oil and gas leases on Federal lands to offset any drawdown of petroleum reserves from the Strategic Petroleum Reserve. NSBA is monitoring. H.R. 5187 IMPACT Act Bill would extend Production Tax Credits for renewable energy, extend the 1603 Grant Program, extend energy efficiency tax credits, provide incentives for heavy duty natural gas vehicles, and would eliminate certain tax breaks for major integrated oil companies. NSBA supported. The Domestic Energy and Jobs Act (Includes H.R. 4480, H.R. 4471, H.R. 4381, H.R. 4382, H.R. 4383, H.R. 2150, and H.R. 2752) This is a package of energy bills that will increase energy production on federal lands, require an interagency committee to conduct an analysis of certain EPA rules and actions that impact fuel prices, require the Secretary of the Interior to establish an all-of-the-above energy plan for federal lands, increase the amount of federal lands available for leasing and encourage onshore oil development and exploration, ensure development of oil and natural gas reserves in the National Petroleum Reserve Alaska, and authorize the BLM to conduct Internet-based auctions for onshore leases. NSBA is monitoring. H.R. 5893 Startup Act 2.0 This bill will provide capital gains and income tax incentives to incentivize entrepreneurs and facilitate the growth of new start-ups, creates a new STEM visa for up to foreign students and establishes a new category of visas for immigrant entrepreneurs. NSBA supported. H.R. 6102 America's Small Business Tax Relief Act of 2012 The bill's aim is to help small business owners by instituting eight permanent tax deductions that not only provide fiscal clarity for the business-owners, but also, provide them with equity in the tax code. NSBA supported. H.R. 6132 American Clothing for American Olympians Act This bill requires the U.S. Olympic Committee to ensure that all goods to be donated or supplied to any amateur athlete, coach, trainer, manager, administrator, or official of the U.S. Olympic team, the Paralympic team, or the Pan-American team are substantially made in the United States. NSBA is monitoring. H.R. 6156 Russia and Moldova Jackson-Vanik Repeal Act of 2012 The measure would provide permanent normal trade relations by lifting a Cold War trade provision known as the Jackson-Vanik amendment. NSBA supported. H.R. 6245 - Saving High-Tech Innovators from Egregious Legal Disputes Act This bill would require non-practicing entities (i.e. patent trolls) to pay a defendants computer hardware and software patent litigation costs if the court determines that the non-practicing entity did not have a reasonable likelihood of succeeding. NSBA is monitoring. H.R. 6397 - Defending American Taxpayers From Abusive Government Takings Act This bill would prohibit Fannie Mae, Freddie Mac, and HUD from purchasing, guaranteeing, making, issuing, or insuring any mortgage (small business loan) secured by a structure or dwelling unit located within a county that contains any structure or dwelling unit that secures or secured a residential mortgage loan that the state or any territory, including any agency or political subdivision, obtained during the preceding 120 months by eminent domain. NSBA is monitoring this legislation. H.R. 6412 Attracting the Best and Brightest Act of 2012 Bill would provide up to 55,000 green cards to foreign-born students graduating from an American university with an advanced degree in a STEM field (Science, Technology, Engineering or Mathematics). NSBA supported. H.R. 6429 STEM Jobs Act of 2012 Bill would provide up to 55,000 green cards to foreign-born students graduating from an American university with an advanced degree in a STEM field (Science, Technology, Engineering or Mathematics). NSBA supported. H.R. 6621 AIA Technical Corrections Bill Bill would make technical corrections to the America Invents Act (AIA). NSBA is monitoring. S. 13 Fair Tax Act of 2011 Legislation to abolish the Internal Revenue Service and enact a national retail sales tax on the use or consumption in the United States of taxable property or services. NSBA supported. S. 474 Small Business Regulatory Freedom Act Bill would reform the regulatory process and ensure that job creation by small businesses is considered during the Federal legislative and rulemaking process. NSBA supported. S. 509 The Small Business Lending Enhancement Act Bill would amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities. NSBA supported. S.727 Bipartisan Tax Fairness and Simplification Act of 2011 Comprehensive tax reform legislation with provisions consolidating tax brackets for individuals and businesses while at the same time lowering federal tax obligations, in part through a single, flat 24 percent corporate rate. NSBA is monitoring. S. 1289 Taxpayer Advocacy and Government Accountability Promotion Act Bill targets noncompliant tax filers with provisions to improve tax forms and tax administration and decrease tax avoidance by contractors, as a way to reduce the tax gap. NSBA is monitoring. S. 1471 Fair Employment Opportunity Act of 2011Would make unemployed a protected class for discrimination law purposes. NSBA opposed. S. 1590 Fairness for Small Businesses in Federal Contracting Act of 2011Requires the SBA and Federal Acquisition Regulatory Council to replace the North American Industrial Classification System (NAICS) with a new small business size classification system. NSBA is monitoring. S. 1600 Communities First Act Bill would provide community bank regulatory relief. NSBA supported. S. 1736 Acquisition Savings Reform Act of 2011 Bill aims to streamline the federal procurement process by requiring online reverse auctions, consider strategic sourcing vehicles in procurement of commercial items, and direct the FAR council to amend the FAR to reflect the government-wide policy to pay small business concerns as quickly as possible. NSBA is monitoring. S. 1866 AGREE Act Bill would address SarbanesOxley internal control reporting for small entities. NSBA supported. S. 1965 Startup Act Provides capital gains and income tax incentives to incentivize entrepreneurs and facilitate the growth of new start-ups, creates a new STEM visa for up to foreign students and establishes a new category of visas for immigrant entrepreneurs. NSBA is monitoring. S. 2114 - Berry Amendment Extension Act Requires that any items purchased by the Secretary of the Department of Homeland Security directly related to national security interests are grown, reprocessed, reused, or produced in the US, except with regard to issues of necessary quality and quantity. NSBA supported. S. 2129 Reforming and Consolidating Government Act of 2012 This bill would define President Obamas proposed efficiency-enhancing plan as a reorganization plan and also expands the Presidents executive authority to reorganize federal agencies NSBA is monitoring. S. 2172 Fairness in Women-Owned Small Business Contracting Act of 2012 Bill would eliminate the cap on women entrepreneurs and allow women-owned businesses to receive sole source contracts, among other things. NSBA is monitoring. S. 2231 The Small Business Lending Enhancement Act Bill would amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities. NSBA is monitoring. S.2242 - Death Tax Repeal Permanency Act of 2012 Bill to repeal the estate tax. The effective date is the date of enactment, and the bill retains step-up basis. NSBA supported. S. 2264 Domestic Fuels Act By streamlining the regulatory process, developing new criteria, and providing liability protection for retailers, this bill would make it easier for retailers to provide multiple fuels (traditional and renewable) to consumers and businesses using the same equipment. NSBA is monitoring. S. 2337 Plain Writing Act for Regulations for 2012 Bill would reform the regulatory process to require the use of clear and concise language in all new government regulations. NSBA supported. S. 3194 Small Business Common Application Act Bill would require a 12-member executive committee to review the feasibility of a common (or single) application for small businesses to use when applying for federal funding opportunities. NSBA is monitoring. S. 3217 Startup Act 2.0 This bill will provide capital gains and income tax incentives to incentivize entrepreneurs and facilitate the growth of new start-ups, creates a new STEM visa for up to foreign students and establishes a new category of visas for immigrant entrepreneurs. NSBA supports. S. 3275 Master Limited Partnerships (MLPs) Parity Act Bill would allow MLPs to invest in renewable energy projects. NSBA is monitoring. S. 3352 Expanding Industrial Energy and Water Efficiency Incentives Act of 2012 This bill would amend the Internal Revenue Code to: increase megawatt and horsepower capacity limitations for the combined heat and power system property energy tax credit; allow new tax credits to improve advanced motor system energy efficiency, to replace chlorofluorocarbon (CFC) refrigerant chillers, and for investment in any qualifying efficient industrial process water use project; and allow an energy tax credit for investment in biomass heating property. NSBA is monitoring. S. 3387 Team USA Made in America Act of 2012 This bill requires the U.S. Olympic Committee to adopt a policy with respect to uniforms to be worn by athletes during ceremonies that are part of the Olympic Games, the Paralympic Games, or the Pan-American Games that requires it to: purchase or otherwise obtain only uniforms, including accessories that meet the standards of the Federal Trade Commission (FTC) for labeling as "Made in USA"; or make publicly available a detailed justification of the reasons the Committee obtained uniforms that do not meet that requirement. NSBA is monitoring. S. 3414 Cybersecurity Act of 2012 The bill provides for a flexible and voluntary, incentives-based system (or set of standards) to encourage owners and operators of the countrys most critical infrastructure systems to meet much-needed cyber-security requirements. NSBA is monitoring. S. 3438 Offshore Petroleum Expansion Now (OPEN) Act of 2012 This bill would seek to expand offshore energy production via an alternative to the Department of Interiors five-year leasing plan and permit revenue sharing with the participating coastal states. NSBA is monitoring. S. 3444 Wear American Act This bill would direct the Federal Acquisition Regulation Council to amend the Federal Acquisition Regulation (FAR) to require federal agencies to procure textiles and apparel articles that are manufactured in the United States wholly from articles, materials, or supplies mined, produced or manufactured in the United States. NSBA is monitoring. S. 3468 Independent Agency Regulatory Analysis Act of 2012 This bill would, among other things, authorize the President to require an independent regulatory agency to comply with basically the same regulatory analysis requirements as an executive agency (including cost-benefit analysis). NSBA supported. S. 3553 Benefits to Research and American Innovation through Nationality Statutes Act of 2012 (BRAINS Act) Bill would provide up to 55,000 green cards to foreign-born students graduating from an American university with an advanced degree in a STEM field (Science, Technology, Engineering or Mathematics). NSBA supported. EEOC - NSBA opposes efforts to treat educational attainment requirements as discrimination. NSBA opposes efforts to limit employer criminal background checks. U.S. Commission on Civil Rights - NSBA opposes efforts to limit employer criminal background checks. SEC - NSBA supports reasonable regulations implementing the JOBS Act (in particular relating to general solicitation, crowdfunding and emerging growth companies). DOL, HHS, IRS - NSBA opposes efforts to restrict employer provided health care benefit self-insurance with stop loss. HHS Federally Facilitated Exchanges. NSBA supports health insurance exchanges and is seeking rapid implementation and adequate guidance. NSBA supports allowing any QHP that meets all certification standards to sell insurance on the exchanges. HHS SHOPS. NSBA supports immediate implementation of SHOPs in the health insurance exchanges. USCIS Deferred Action policy. NSBA seeks clear rules that do not pose additional legal risk for or burden employers. IRS Health care FSAs. NSBA supports elimination of the so-called use-it or lose-it rule. NSBA also supports revision of the uniform coverage rule if the use-it or lose-it rule is changed. USPTO NSBA filed comments with the U.S. Patent and Trademark Office regarding proposed rule implementing changes of the first to file provisions of the Leahy-Smith America Invents Act. DOL NSBA opposes proposed rule under the Labor-Management Reporting and Disclosure Act that would require employers to report on consultants assisting with speech-writing, public relations advice, labor campaigns, web sites, emails or other materials for employer communication to employees or the public, no matter how minor or indirect the relation to any labor dispute. In addition, modification of personnel policies and practices fall under the persuader activities list. Therefore, arrangements with and the content of the work by attorneys, insurance agents, HR consultants, pension consultants, accountants or financial advisers who review benefits packages or other personnel practices would be reportable.

Client expense: $55,000 · Firm income: Not reported

Government targets: Bureau of Citizenship & Immigration Services (BCIS), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Export-Import Bank of the United States (EXIM Bank), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 3993 (Capital Access for Small Businesses and Jobs Act) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 3993 (Capital Access for Small Businesses and Jobs Act) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Matters impacting DCUC member credit union operations on military bases and those issues pertaining to the provision of financial services to the military community. Amendment relating to servicemember overdraft policy. H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5946 (To direct the Undersecretary of Defense (Comptroller) to carry out a pilot program to develop innovative consumer financial products that encourage savings and wealth-creation among active-duty servicemembers) H.R. 5747 (Military Family Home Protection Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 3993 (Capital Access for Small Businesses and Jobs Act) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Risk retention, credit union member business lending, consumer legislation, credit union tax exemption H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 3993 (Capital Access for Small Businesses and Jobs Act) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 509/H.R. 1418, the Small Business Lending Enhancement Act of 2011, all provisions; S.3637, a bill to extend the Transaction Account Guarantee Program, all provisions.

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.509/H.R. 1418, the Small Busines Lending Enchancement Act of 2011, all provisions; S.3637, a bill to temporarily extend the Transaction Account Guarantee Program, all provisions.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.509/H.R. 1418, the Small Busines Lending Enchancement Act of 2011, all provisions; H.R. 4367, ATM fee disclosure legislation, all provisions.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1838-Repeal of provision of the Dodd-Frank Wall Street Reform and Consumer Protection Act; H.R. 3283-Swap Jurisdiction Certainty Act; J.R. 2779-Exemption of inner-affiliate swaps from Dodd-Frank regulatory requirements; S. 2224-Bill that addresses implementation of certain prohibitions under the Bank Holding Company Act of 1956; H.R. 3156-Consumer Debit Card Protection Act; H.R. 940 and S. 1835-United State Covered Bond Act; H.R. 4014 and S. 2099-Amendments to Federal Deposit Insurance Act;H.R. 1121 and S. 737-Responsible Consumer Financial Protection Regulations Act; H.R. 2568 and S.1506-To prevent the Secretary of the Treasury from expanding United States bank reporting requirements with respect to interest on deposits paid to nonresident aliens; H.R. 1418 and S. 509-Small Business lending Enhancement Act; S. 2231 Amendment to Federal Credit Union Act; H.R. 4367-Amend the Electronic Fund Transfer Act to limit the fee disclosure requirement; S. 3204-Bill to address fee disclosure requirements under the Electronic Fund Transfer Act; Basel III Capital Standards proposal from Federal Reserve Board; Volker Rule proposal from Federal Reserve Board.

Client expense: $150,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

Please see addendum. H.R. 31-Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act, all provisions H.R. 463, Fannie Mae and Freddie Mac Transparency Act, all provisions H.R. 1081, Consumer Payment System Payments Act, all provisions H.R. 1121-Responsible Consumer Financial Protection Regulations Act of 2011, all provisions H.R. 1174, Internet Gambling Regulation, Consumer Protection, and Enforcement Act. H.R. 1221-Equity in Government Compensation Act of 2011, all provisions H.R. 1222-GSE Subsidy Elimination Act of 2011, all provisions H.R. 1223, GSE Credit Rish Equitable Treatment Act, all provisions H.R. 1224-Portfolio Risk Reduction Act of 2011, all provisions H.R. 1225-GSE Debt Issuance Approval Act of 2011, all provisions H.R. 1226-GSE Mission Improvement Act of 2011, all provisions H.R. 1227-GSE Risk and Activities Limitation Act of 2011, all provisions H.R. 1309-Flood Insurance Reform Act, all provisions H.R. 1315-Consumer Financial Protection Safety and Soundness Improvement Act of 2011, all provisons H.R. 1418-Small Business Lending Enhancement Act, all provisions H.R. 1667, Bureau of Consumer Financial Protection Transfer Clarification Act, all provisions H.R. 1697, Communities First Act, all provisions H.R. 1723, the Common Sense Economic Recovery Act, all provisions H.R. 1754, Preserving Equal Access to Mortgage Finance Programs, all provisions H.R. 1859, Housing Finance Reform Act, all provisions H.R. 1965, to amend the securities laws to establish certain thresholds for shareholders, all provisions H.R. 2413, the Secondary Market Facility or Residential Mortgage Act, all provisions H.R. 2436, Fannie Mae and Freddie Mac Taxpayer Payback Act, all provisions H.R. 2439, Removing GSE Charters During Receivership Act, all provisions H.R. 2462, Cap the GSE Bailout Act, all provisions H.R. 2930, the Entrepreneur Access to Capital Act, all provisions H.R. 3461, the Financial Institution Examination Fairness and Reform Act, all provisions H.R. 3336, the Small Business Credit Availability Act, all provisions H.R. 3606, the Jumpstart Our Business Startups Act, Title VI, provisions related to shareholder threshold for registration H.R. 3630, the Middle Class Tax Relief and Job Creation Act, provisions related to the National Flood Insurance Program and provisions related to mortgage fees and premiums H.R. 3993, Capital Access for Small Business Jobs Act, all provisions H.R. 4014, a bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, all provisions. H.R. 4217, Mutual Community Bank Competitive Equality Act, all provisions H.R. 4323, the Consumer Mortgage Choice Act, all provisions H.R. 4367, related to ATM fee disclosure requirements, all provisions H.R. 4348, MAP-21 Act, Title II, provisions related to the National Flood Insurance Program and issues related to interchange fee regulation and the study therof by various federal agencies H.R. 5740, National Flood Insurance Program Extension Act, all provisions H.R. 5817, Eliminate Privacy Notice Confusion Act, all provisions H.R. 6125, a bill to amend the Federal Deposit Insurance Act and the Federal Credit Union Act with respect to privilege of information provided to Federal and State agencies, and for other purposes, all provisions S. 170, the Helping Responsible Homeowners Act, all provisions S. 509, Small Business Lending Enhancement Act, all provisions S. 575, Debit Interchange Fee Study Act, all provisions S. 967, the Regulation of Mortgages Servicing Act, all provisions S. 1151, Personal Data Privacy and Security Act, provisions related to entities covered by the Gramm-Leach Bliley Act. S. 1207, the Data Security and Breach Notification Act, all provisions S. 1408, Data Breach Notification Act of 2011, all provisions S. 1434, Data Security Act of 2011, all provisions S. 1535, Personal Data Protection and Breach Accountability Act, all provisions S. 1600, Communities First Act, all provisions S. 1615, Financial Regulatory Responsibility Act, all provisions S. 556, to amend the securities laws to establish certain thresholds for shareholders, all provisions S. 1549, the American Jobs Act, amendments related to credit union member business lending S. 1660, the American Jobs Act, amendments related to credit union member business lending. S. 1824, the Private Company Flexibility and Growth Act, all provisions S. 1940, 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, all purposes. S. 1941, to amend the securities laws to establish certain thresholds for shareholders, all provisions S. 1958, a bill to extend the National Flood Insurance Program until May 31, 2012, all provisions S. 2105, Cybersecurity Act of 2012, all provisions S. 2111, the Cyber Crime Protection Security Act, all provisions S. 2160, the Financial Institution Examination Fairness and Reform Act, all provisions S. 2231, Small Business Lending Enhancement Act, all provisions S. 2344, a bill to extend the National Flood Insurance Program until December 31, 2012, all provisions S. 3085, the Responsible Homeowner Refinancing Act, all provisions S. 3204, related to ATM fee disclosure requirements, all provisions S. 3571, a bill to require the Bureau of Consumer Financial Protection to conduct a small business panel on the Qualified Mortgage rule before it can go forward with a rule, all provisions S. 3637, a bill to extend the Transaction Account Guarantee Program S. 3709, a bill to require a Government Accountability Office examination of transactions between large financial institutions and the Federal Government Lucas Amendment to H. R. 1309, related to force placed insurance S. Amdt 267 to S. 495, related to debit interchange fee study, all provisions S. Amdt 242 to S. 495, related to credit union business lending, all provisions S. Amdt 392 to S. 782, related to debit interchange fee regulation, all provisions Implementation of Title VII of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act related to the definition of "Swap Dealer" and the Swaps End User Exemption. Implementation of Section 1075 of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act related to debit interchange fee regulation Issues related to the NCUA's proposed rule related to credit union service organizations Issues related to mobile banking and mobile payments Issues related to the vacancy on the National Credit Union Administration Board Issues related to the NCUA Rule on Net Worth and Bargain Purchase Agreements Issues related to the proposed CFPB form on RESPA/TILA Issues related to the Regulation of Regulation Z/Multi-Feature Open-End Lending Issues related to Credit Union field of membership Issues related to Credit Union Service Organizations (CUSO) Issues related to credit union operations Issues related to National Credit Union Administration examination procedures Issues related to Financial Accounting Standards Board Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to Mark-to-Market accounting Issues related to NCUA's Statute of Limitations Proposal Issues related to credit union indemnification, golden parachutes and other benefits Issues related to data security and cyber security Issues related to NCUAs proposed rule regarding loan participations Issues related to private equity standards Issues related to NCUAs regulation regarding its Regulatory Flexibility Program Issues related to overdraft protection programs and check ordering practices House Financial Services Committee Draft bill entitled the Private Mortgage Market Investment Act, all provisions Issues related to the FDIC's Transaction Account Guarantee Program Issues related to the NCUSIF's Transaction Account Guarantee Program Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the Rural Utility Services proposed loan program for energy efficiency Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to reverse mortgages Issues related to troubled debt restructuring Issues related to NCUA's low income credit union designation Issues related to the oversignt of the Federal Housing Administration Issues related to material loss reports of the National Credit Union Administration Office of Inspector General

Client expense: $1,407,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

Financial Regulatory Reform and issues pertaining to the Credit Union industry including H.R. 1418: The Small Business Lending Enhancement Act of 2011.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial Regulatory Reform and issues pertaining to the Credit Union industry including HR 1418: The Small Business Lending Enhancement Act of 2011.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Increase in Credit Union Lending Cap S2231 - Small Business Lending Enhancement Act of 2012 HR1418 - Small Business Lending Enhancement Act of 2011 Extension of Temporary SBA Programs HR366 - To provide for an additional temporary extension of programs under the Small Business Act and the Small Business Investment Act of 1958, and for other purposes HR2936 - Small Business Administration Express Loan Extension Act of 2011 Foreclosure Issues S170 - Helping Responsible Homeowners Act of 2011 S222 - Limiting Investor and Homeowner Loss in Foreclosure Act of 2010 HR430 - HAMP Repeal and Deficit Reduction Act of 2011 HR1131 - Preventing Homeowners from Foreclosure Act of 2011 HR1151 - Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011 HR839 - HAMP Termination Act of 2011 HR5940 - Preserving American Homeownership Act of 2012 S2080 - Keeping Families in their Home Act of 2012 GSE Modifications S693 - GSE Bailout Elimination and Taxpayer Protection Act S1834 - Residential Mortgage Market Privatization and Standardization Act S1963 - Mortgage Finance Act HR31 - Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011 HR463 - Fannie Mae and Freddie Mac Transparency Act of 2011 HR1182 - GSE Bailout Elimination and Taxpayer Protection Act HR1221 - Equity in Government Compensation Act of 2011 HR1222 - GSE Subsidy Elimination Act of 2011 HR1223 - GSE Credit Risk Equitable Treatment Act of 2011 HR1224 - GSE Portfolio Risk Reduction Act of 2011 HR1225 - GSE Debt Issuance Approval Act of 2011 HR1226 - GSE Mission Improvement Act of 2011 HR1227 - GSE Risk and Activities Limitation Act of 2011 HR1859 - Housing Finance Reform Act of 2011 HR 2413 - Secondary Market Facility for Residential Mortgages Act of 2011 HR2425 - Transparency and Security in Mortgage Registration Act of 2011 HR2428 - GSE Legal Fee Reduction Act of 2011 HR2436 - Fannie and Freddie Mac Taxpayer Payback Act of 2011 HR2439 - Removing GSEs Charters During Receivership Act HR2440 - Market Transparency and Taxpayer Protection Act HR2441- Housing Trust Fund Elimination Act HR2462 - Cap the GSE Bailout Act HR3644 - Private Mortgage Market Investment Act HR3733 - Affordable Mortgages for Homeowners Act of 2011 S3085 - Responsible Homeowners Refinancing Act S3520 - Rebuilding Equity Act of 2012 S3047 - Expanding Refinancing Opportunities Act of 2012 HR6429 - STEM Jobs Act of 2012 Changes to the Truth In Lending Act HR3849 - Preserving Access to Manufactured Housing Act Changes in Financial Market Regulations HR87 - A bill to repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act HR1121 - Responsible Consumer Financial Protection Regulations Act of 2011 HR1723 - Common Sense Economic Recovery Act of 2011 HR2126 - Risk Retention Modernization Act of 2011 S967 - Regulation of Mortgage Servicing Act of 2011. S3589 - Mortgage Modification Outreach Act Changes to the Federal Reserve System S202 - Federal Reserve Transparency Act of 2011 HR459 - Federal Reserve Transparency Act of 2011 HR1094 - Federal Reserve Board Abolition Act Changes to GSE and FHA Loan Limits HR1754 - Preserving Equal Access to Mortgage Finance Programs Act S1508 - Homeownership Affordability Act of 2011 HR2508 - A bill to extend through fiscal year 2013 the increase in the maximum original principal obligation of a mortgage that may be purchased by the Federal National Mortgage Association or the Federal Home Loan Mortgage Corporation, and for other purposes. HR4323 - Consumer Mortgage Choice Act S3522 - The Responsible Homeowner Refinancing Act of 2012 Regulatory Oversight of Covered Bonds S1835 - United States Covered Bond Act of 2011 Improvement of Short Sale Process HR1498 - Prompt Decision for Qualification of Short Sale Act of 2011 S2120 - Prompt Notification of Short Sales Act HR6153 - Fast Help for Homeowners Act Changes to the Home Affordable Modification Program HR839 - to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; HRes170 - A resolution providing for consideration of the bill (HR 839) to amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the program, either on a trial or permanent basis; and providing for consideration of the bill (HR 861) to rescind the third round of funding for the Neighborhood Stabilization Program and to terminate the program Oversight of Insured Depository Institutions HR2056 - A bill to instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposes. Examinations of Depository Institutions HR3461 - Financial Institutions Examination Fairness and Reform Act Availability of Capital for Finance HR940 - United States Covered Bond Act of 2011 HJRes22 - Preserving Capitalism in America Amendment Discussions with the Securities and Exchange Commission (SEC) on lease accounting. Conversations with the Treasury Department on the Dodd-Frank Act, the Home Affordable Modification Program (HAMP), credit, and anti-money laundering guidelines. Discussions with the Federal Reserve on Dodd-Frank. Discussions with the FDIC on Basel III. Conversations with the Consumer Financial Protection Bureau (CFPB) on Dodd-Frank, Qualified Mortgage (QM) rules, RESPA/Truth in Lending Act (TILA), Loan Officer Compensation Rules, banking, and mortgage servicing. Conversations with the Federal Housing Finance Agency (FHFA) on Government Sponsored Enterprises (GSEs), short sales, housing programs lending, and bulk sales of foreclosed properties. Discussions with the Department of Housing and Urban Development (HUD) on the Federal Housing Administration and Qualified Residential Mortgages (QRMs). Discussions with the White House Economic Council regarding credit, Menendez-Boxer refinancing bill, refinancing programs, and "the fiscal cliff."

Client expense: $15,440,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Accounting Standards Advisory Board (FASAB), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

H.R. 1418/S. 2231 - Small Business Lending Enhancement Act of 2011. Support. H.R. 3606 - Jumpstart Our Business Startups Act. Support

Client expense: $80,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Export-Import Bank of the United States (EXIM Bank), HOUSE OF REPRESENTATIVES, SENATE

Banking issues Credit union member - business lending S. 3204 - Amending the Electronic Transfer Act H.R. 1418 - Small Business Lending Enhancement Act of 2011

Client expense: Not reported · Firm income: $27,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

see next page Issues Related To Small Business S. 509 Small Business Lending Enhancement Act H.R. 1418 Small Business Lending Enhancement Act S. 2231 Small Business Lending Enhancement Act Issues Related To Data Security/Privacy S. 799 Commercial Privacy Bill of Rights Act of 2011 H.R. 1528 Consumer Privacy Protection Act of 2011 Issues Related To Banking S. 3254 FY 2013 Department of Defense Appropriations Bill H.R. 3671 Consolidated Appropriations Act, 2012 H.R. 3461 Financial Institutions Examination Fairness and Reform 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 S. 3204 A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes 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. 2099 A bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection. H.R. 4014 To amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection. Issues Related To CFPB H.R. 1315 Consumer Financial Protection Safety and Soundness Improvement Act of 2011 H.R. 1121 Responsible Consumer Financial Protection Regulations Act of 2011 S. 737 Responsible Consumer Financial Protection Regulations Act of 2011 H.R. 3871 Proprietary Information Protection Act of 2012 S. 2055 A bill to amend the Federal Deposit Insurance Act with respect to the protection of certain information Issues Related To Cyber Security H.R. 3523 The Cyber Intelligence Sharing and Protection Act H.R. 3674 The Promoting and Enhancing Cybersecurity and Information Sharing Effectiveness (PRECISE) Act S. 2105 The Cybersecurity Act of 2012 H.R. 4263 SECURE IT Act of 2012 H.R. 2096 Cybersecurity Enhancement Act of 2012 S. 2151 SECURE IT Issues Related To Bankruptcy S. 1102 The Fairness for Struggling Students Act of 2011 H.R. 2028 The Private Student Loan Bankruptcy Fairness Act of 2011

Client expense: $900,000 · Firm income: Not reported

Government targets: Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Workforce Investment Act (WIA) Reauthorization, Self-Employment Assistance (SEA), H.R. 5805 - The Entrepreneurial Training Improvement Act of 2012, S. 3221 - A Bill to Amend the Frederal Credit Union Act, H.R. 1418 - The Small Business Lending Enhancement Act, H.Res. 793 - Small Business Saturday Resolution, S. Res. 589 - Small Business Saturday Resolution

Client expense: Not reported · Firm income: $12,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Small Business Contracting Reform, H.R. 4310 - The FY2013 National Defense Authorization Act, S. 3254 - The FY2013 National Defense Authorization Act, The Women Owned Small Business Federal Contract Program, S. 3442 - The SUCCESS Act, S. 3221 - A Bill to Amend the Federal Credit Union Act, H.R. 1418 - The Small Business Lending Enhancement Act, H.Res. 793 - Small Business Saturday Resolution, S. Res. 589 - Small Business Saturday Resolution

Client expense: Not reported · Firm income: $25,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

H.R. 1418 (and S. 509 renumbered in the Senate to S. 2231) - Small Business Lending Enhancement Act of 2011 (Expansion of credit unions member business lending powers) (all sections) (House and Senate)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Comment Letter regarding Basel III - Proposed Rulemaking on Minimum Regulatory Capital and the Standardized Approach for Risk-weighted Assets Federal Reserve Docket No. R-1430; RIN No. 7100-AD87 and Docket No. R-1442; RIN No. 7100-AD87 FDIC RIN 3064-AD95, RIN 3064-AD96 OCC Docket ID OCC-2012-0008 and Docket ID OCC-2012-0009 (House and Senate) H.R. 1418 (and S. 509 renumbered in the Senate to S. 2231) - Small Business Lending Enhancement Act of 2011 (Expansion of credit unions member business lending powers) (all sections) (House and Senate) Five-year extension of the Transaction Account Guarantee (TAG) program (House and Senate) S. 3637 A bill to temporarily extend the Transaction Account Guaranty (TAG) program, Motion to Proceed and Budgetary Point of Order (all sections) (Senate)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Comment Letter regarding Basel III - Proposed Rulemaking on Minimum Regulatory Capital and the Standardized Approach for Risk-weighted Assets Federal Reserve Docket No. R-1430; RIN No. 7100-AD87 and Docket No. R-1442; RIN No. 7100-AD87 FDIC RIN 3064-AD95, RIN 3064-AD96 OCC Docket ID OCC-2012-0008 and Docket ID OCC-2012-0009 (House and Senate) H.R. 1418 (and S. 509 renumbered in the Senate to S. 2231) - Small Business Lending Enhancement Act of 2011 (Expansion of credit unions member business lending powers) (all sections) (House and Senate) Five-year extension of the Transaction Account Guarantee (TAG) program (House and Senate) S. 3637 A bill to temporarily extend the Transaction Account Guaranty (TAG) program, Motion to Proceed and Budgetary Point of Order (all sections) (Senate)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1315 The Consumer Financial Protection Safety and Soundness Improvement Act HR 1356 Capital Access for Main Street Act of 2011 HR 1418 Small Business Lending Enhancement Act of 2011 HR 1697 Communities First Act HR 1965 The SEC Shareholder Registration Act HR 2167 The Private Company Flexibility and Growth Act HR 2308 SEC Regulatory Accountability Act HR 2827 Municipal Adviser SEC Reform HR 3461 Financial Instititions Examination Fairness and Reform Act HR 3606 Jumpstart Our Business Startups (Jobs) Act HR 4014 Confidentiality of Information Provided to the CFPB HR 4367 Amend the Electronic Fund Transfer Act (to limit ATM fee disclosure requirements) HR 5817, Privacy Notices S 509 Small Business Lending Enhancement Act Credit Union MBL Expansion S 1548 National Flood Insurance Program Extension Act S 1600 Communities First Act S 2160 Bank Exam Reform S 2231 Small Business Lending Enhancement Act Credit Union MBL Expansion S 2278 Certain Escrow Exemptions for Community Bankers S 3204 ATM Fee Disclosure Requirements S 3394 ATM Fee Disclosure Act and CFPB Privilege S 3492, S 3620 To provide for exemptions from municipal advisor requirements S 3637, Transaction Account Guarantee Program Extention S 3709, GAO Study Bill Bank Examinations Capital Requirements/Regulations/Basel III Rules Consumer Data Security Consumer Financial Protection Bureau Consumer Protection for Financial Products and Services Credit Union Business Lending Powers Credit Union Tax Exemption Fair Lending Enforcement FDIC Transaction Account Guarantee Program Extention FHA Loan Programs Financial Regulatory Reform Housing Finance Reform Housing Government Sponsored Enterprises Implementation of Basel III in the U.S. Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act Mortgage Escrow Requirements Mortgage Lending Disclosures (RESPA/TILA) Mortgage Lending Reform Mortgage Loan Origination Standards Mortgage Servicing Compensation National Flood Insurance Program Reauthorization Qualified Mortgages/ Ability to Repay Qualified Residential Mortgages/Risk Retention Registration of Municipal Advisors Regulation Z Establishment of ESCROW - Higher Priced Loans Regulatory and Tax Relief for Community Banks Remittance Transfer Rules SEC Shareholder Registration Threshold for Community Banks Systemic Risk, Too-Big-To-Fail Regulation and Resolution Authority

Client expense: $1,300,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Work to keep insurance regulated by the states and not by the Consumer Financial Protection Bureau. Advocate for credit unions to continue to have flexibility under Regulation Z to write loans under a multi-featured open-end lending plan. Advocate the continued use of mortgage insurance in the private market, including the proposed Fed regulation on risk retention and "qualified residential mortgages." Influence and monitor legislation impacting the Government Sponsored Entities as it impacts credit unions and private mortgage insurance, including: 1) H.R. 31: Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act; 2) H.R. 1221: Equity in Government Compensation Act of 2011; 3) H.R. 1222: GSE Subsidy Elimination Act of 2011; 4) H.R. 1223: GSE Credit Risk Equitable Treatment Act of 2011; 5) H.R. 1224: Portfolio Risk Reduction Act of 2011; 6) H.R. 1225: GSE Debt Issuance Approval Act of 2011; 7) H.R. 1226: GSE Mission Improvement Act of 2011; and 8) H.R. 1227: The GSE Risk and Activities Limitation Act of 2011. Support legislation that would reduce regulatory burden on financial institutions and reduce or eliminate credit union member business limits. Support passage of S. 509 to address credit union member business lending. Support H.R. 1418 to raise the credit union limit on member business lending. Support passage of H.R. 4367 to repeal the requirement that ATM's have a physical fee disclosure on the front of the ATM.

Client expense: $276,940 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

S. 509 and H.R. 1418 - Small Business Lending Enhancement Act of 2011 - entire bill relating to increasing credit union member business lending cap; 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 - entire bill relating to increasing the credit union member business lending cap; H.R. 3993 - Capital Access for Small Businesses and Jobs Act - entire bill relating to supplemental capital ratios for credit unions; Senate Amendment 3319 to S. 3637, a bill to temporarily extend the transaction account guarantee program - amendment related to increasing the credit union member business lending cap.

Client expense: Not reported · Firm income: $36,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Credit Union issues; credit union lending to small businesses legislation, S. 509 and H.R. 1418; and, tax reform. HR 3993, a bill to allow credit union supplemental capital; and, HR 4367, legislation to modify ATM on site, not electronic, disclosures to correct frivolous litigation.

Client expense: Not reported · Firm income: $15,000

Government targets: HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

Implementation of PL 111-203 - Dodd-Frank Wall Street Reform and Consumer Protection Act. S. 509 - Small Business Lending Enhancement Act of 2011 HR 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. S. 3204 - a bill to address fee disclosure requirements under the Electronic Fund Transfer Act (ATM) S. 3637 - a bill to temporarily extend the transaction account guarantee program, and for other purposes. HR 4367 - a bill to limit fee disclosure requirements for ATMs

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation: Regulatory environment affecting banks, including community banks; Debit Card Interchange Fee legislation (S.575, H.R.1081, H.R.3156); GSE legislation (H.R.1182, H.R.31, H.R.1221, H.R.1222,H.R.1223, H.R.1224, H.R.1225, H.R.1226, H.R.1227, H.R.2436, H.R.2441, H.R.2440, H.R.2462, H.R.463, H.R.2439); Mortgage Foreclosure Relief legislation (H.R.830, H.R.836, H.R.839, H.R.861) ; (Continued on next page) Legislation (cont'd.): Credit Union business lending (S.509, H.R.1418, S.2231); Internet Gambling Regulation (H.R.1174); Consumer Financial Protection Bureau Governance (H.R.1121, H.R.1315). Small Business Lending (S.493), Bankruptcy Legislation (S.222), National Flood Insurance Reform (H.R.1309, H.R.5740), Business Activity Tax Simplification Act (H.R. 1439), Executive Compensation (H.R. 1062), Covered Bonds (H.R.940), Patent Reform (H.R.1249), CFPB Appropriations Legislation. Information Security/Privacy (H.R.2577, H.R.3035, S.1151, S.1408, S.1434, S.1535), Deficit Reduction, American Jobs Act, Regulatory Freeze for Jobs Act (H.R.4078), Appropriation Legislation, Patent Office Reform (H.R.1249). Fannie Mae/Freddie Mac/FHA Fees (H.R. 3765); Flood Insurance Reform & Extension (H.R.2608, HJ Res. 94, HJ Res. 95, H.R.2055, H.R.3671, S.1958); Bank & Corporate Governance (H.R. 1965, S.556, S.1941,H.R.2940, H.R.2930); SEC Registration Threshold (H.R.2167, HR.1070); Sarbanes-Oxley Auditor Requirements (H.R.3213); Restoration of Fannie Mae/Freddie Mac/FHA Higher Loan Limits (Amendment to Ag Appropriations bill); Bank Examination Fairness (H.R.3461,S.2160); Bank Failure Study Legislation (H.R.2056); Federal Tax on Larger Financial Institutions; Credit Union Capital (H.R.3993); Amendment on non-resident alien interest reporting; The JOBS Act - H.R.3606; Municipal Advisor Exemption - H.R.2827; CFPB Confidential Information Protection - H.R.4014; ATM Signage (H.R.4367, S.3204); Transportation; Treasury; Student Loan Appropriations (H.R.4348); Heightened Regulatory Capital Requirements, including the Collins amendment (H.R.3128); protection of privileged information provided to CFPB (S.3204); Mutual mortgage insurance fund (H.R.4264); definition of municipal advisor (H.R.2827); loan guarantees & eminent domain (H.R.6397); TAG extension bill (S.3637); Annual Privacy Notice requirement limits (H.R.5817); CFPB privileged information (H.R. 4014); ATM placard requirements (H.R. 4367). Regulation: Fed. Reg. B (Equal Credit Opportunity) Rules, Fed and FDIC Orderly Resolution Regulations for Systemically Significant Companies, Fin CEN Bank Secrecy Act reporting requirements, General Obligation Bonds, Thrift institution regulation and reporting transfer to OCC and Fed, FASB Auditor Independence Rules, OCC Guidance on Deposit-Related Consumer Credit Products, Fed, FDIC and OCC Retail Foreign Exchange Rules, Regulation Q, Fed and FTC Credit Score Disclosure Rules, OCC Foreclosure Guidance. FDIC Assessment, Base & Rate Regulation; Registration of Mortgage Loan Originators; Federal Reserve Regulation II - debit card interchange fee regulation; SEC registration of municipal advisor regulation; FDIC Interest on Lawyer Account deposit insurance coverage regulation; FASB Mark to Market Accounting; shareholder executive compensation rules; FASB lease accounting rules; FASB impairment of financial asset rules; mortgage disclosure regulation; regulatory burden relief; federal garnishment rules; Federal Home Loan Bank system membership; Credit Card Act implementation; Regulation Z (Truth-in-Lending) amendments; Payment Settlement Entity Reporting; Interest on Non-Resident Alien Account Reporting; Credit Risk Retention Regulation. FDIC and OCC Overdraft and Bank Product Guidance, Repeal of Reg. Q, FHFA Rules on purchase of housing cooperative loans, IRS Guidance on Trust Commissions, Fed Savings and Loan Holding Company Regulation, Fed Remittance Transfer Proposal, National bank preemption, Risk-based capital requirements, CFPB Regulations. Home Mortgage Disclosure Act Reporting of Assignments in lieu of Mortgage Discharge (Reg C); Restrictions on Bank Proprietary Trading (Volcker Rule); Acquisitions of non-systemically significant financial institutions; Flood Insurance Guidance; Treasury Home Affordable Refinance Program; Examiner Treatment of New York State and Local Government Securities; CFPB Credit Card Disclosures; CFPB Deposit Account Disclosures; CFPB Mortgage Disclosures; Enhanced Regulation of large bank holding companies and non-bank firms. Patent and Trademark Reform Regulatory Implementation; Regulations Implementing the Dodd-Frank Act; Stress Test Regulations; Allowance for Loan and Lease Losses (ALLL); Servicing and Foreclosure Guidance and Regulations; Home Loan Bank Member Supervision; CFPB Streamlined Regulations Project; CFPB Regulations on Privileged Information; Qualified Mortgage Safe Harbor; Extension of the TAG Program; Regulations implementing higher capital standards including the market risk capital final rule and 3 proposed rules under Basel III; CFPB proposed regulations on "high cost" mortgage definition; CFPB final and proposed rules on swaps; Federal Reserve rule on fraud prevention adjustments for debit card issuers; CFPB mortgage servicing rules and appraisal requirement rules; CFPB mortgage loan option rule; CFPB proposal on telephone surveys for short-form credit card agreements; OCC rule on the short-term investment fund (STIF); Financial Crimes Enforcement Network advisory on Suspicious Activity Reports; federal regulators guidance on natural disasters; FSOC proposals on Money Market Mutual Funds; CFPB procedures for examiners regarding student lending.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

Member business lending (H.R. 1418/S.2231). S. 36376, Extension of Transaction Account Guarantee program. Credit Union tax status, Automatic Teller Machine disclosures (H.R. 4367/S.3204).

Client expense: $120,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

Legislation: Regulatory environment affecting banks, including community banks; Debit Card Interchange Fee legislation (S.575, H.R.1081, H.R.3156); GSE legislation (H.R.1182, H.R.31, H.R.1221, H.R.1222,H.R.1223, H.R.1224, H.R.1225, H.R.1226, H.R.1227, H.R.2436, H.R.2441, H.R.2440, H.R.2462, H.R.463, H.R.2439); Mortgage Foreclosure Relief legislation (H.R.830, H.R.836, H.R.839, H.R.861) ; (Continued on next page) Legislation (cont'd.): Credit Union business lending (S.509, H.R.1418, S.2231); Internet Gambling Regulation (H.R.1174); Consumer Financial Protection Bureau Governance (H.R.1121, H.R.1315). Small Business Lending (S.493), Bankruptcy Legislation (S.222), National Flood Insurance Reform (H.R.1309, H.R.5740), Business Activity Tax Simplification Act (H.R. 1439), Executive Compensation (H.R. 1062), Covered Bonds (H.R.940), Patent Reform (H.R.1249), CFPB Appropriations Legislation. Information Security/Privacy (H.R.2577, H.R.3035, S.1151, S.1408, S.1434, S.1535), Deficit Reduction, American Jobs Act, Regulatory Freeze for Jobs Act (H.R.4078), Appropriation Legislation, Patent Office Reform (H.R.1249). Fannie Mae/Freddie Mac/FHA Fees (H.R. 3765); Flood Insurance Reform & Extension (H.R.2608, HJ Res. 94, HJ Res. 95, H.R.2055, H.R.3671, S.1958); Bank & Corporate Governance (H.R. 1965, S.556, S.1941,H.R.2940, H.R.2930); SEC Registration Threshold (H.R.2167, HR.1070); Sarbanes-Oxley Auditor Requirements (H.R.3213); Restoration of Fannie Mae/Freddie Mac/FHA Higher Loan Limits (Amendment to Ag Appropriations bill); Bank Examination Fairness (H.R.3461,S.2160); Bank Failure Study Legislation (H.R.2056); Federal Tax on Larger Financial Institutions; Credit Union Capital (H.R.3993); Amendment on non-resident alien interest reporting; The JOBS Act - H.R.3606; Municipal Advisor Exemption - H.R.2827; CFPB Confidential Information Protection - H.R.4014; ATM Signage (H.R.4367, S.3204); Transportation; Treasury; Student Loan Appropriations (H.R.4348); Heightened Regulatory Capital Requirements, including the Collins amendment (H.R.3128); protection of privileged information provided to CFPB (S.3204); Mutual mortgage insurance fund (H.R.4264); definition of municipal advisor (H.R.2827); loan guarantees & eminent domain (H.R.6397). Regulation: Fed. Reg. B (Equal Credit Opportunity) Rules, Fed and FDIC Orderly Resolution Regulations for Systemically Significant Companies, Fin CEN Bank Secrecy Act reporting requirements, General Obligation Bonds, Thrift institution regulation and reporting transfer to OCC and Fed, FASB Auditor Independence Rules, OCC Guidance on Deposit-Related Consumer Credit Products, Fed, FDIC and OCC Retail Foreign Exchange Rules, Regulation Q, Fed and FTC Credit Score Disclosure Rules, OCC Foreclosure Guidance. FDIC Assessment, Base & Rate Regulation; Registration of Mortgage Loan Originators; Federal Reserve Regulation II - debit card interchange fee regulation; SEC registration of municipal advisor regulation; FDIC Interest on Lawyer Account deposit insurance coverage regulation; FASB Mark to Market Accounting; shareholder executive compensation rules; FASB lease accounting rules; FASB impairment of financial asset rules; mortgage disclosure regulation; regulatory burden relief; federal garnishment rules; Federal Home Loan Bank system membership; Credit Card Act implementation; Regulation Z (Truth-in-Lending) amendments; Payment Settlement Entity Reporting; Interest on Non-Resident Alien Account Reporting; Credit Risk Retention Regulation. FDIC and OCC Overdraft and Bank Product Guidance, Repeal of Reg. Q, FHFA Rules on purchase of housing cooperative loans, IRS Guidance on Trust Commissions, Fed Savings and Loan Holding Company Regulation, Fed Remittance Transfer Proposal, National bank preemption, Risk-based capital requirements, CFPB Regulations. Home Mortgage Disclosure Act Reporting of Assignments in lieu of Mortgage Discharge (Reg C); Restrictions on Bank Proprietary Trading (Volcker Rule); Acquisitions of non-systemically significant financial institutions; Flood Insurance Guidance; Treasury Home Affordable Refinance Program; Examiner Treatment of New York State and Local Government Securities; CFPB Credit Card Disclosures; CFPB Deposit Account Disclosures; CFPB Mortgage Disclosures; Enhanced Regulation of large bank holding companies and non-bank firms. Patent and Trademark Reform Regulatory Implementation; Regulations Implementing the Dodd-Frank Act; Stress Test Regulations; Allowance for Loan and Lease Losses (ALLL); Servicing and Foreclosure Guidance and Regulations; Home Loan Bank Member Supervision; CFPB Streamlined Regulations Project; CFPB Regulations on Privileged Information; Qualified Mortgage Safe Harbor; Extension of the TAG Program; Regulations implementing higher capital standards including the market risk capital final rule and 3 proposed rules under Basel III; CFPB proposed regulations on "high cost" mortgage definition; CFPB final and proposed rules on swaps; Federal Reserve rule on fraud prevention adjustments for debit card issuers; CFPB mortgage servicing rules and appraisal requirement rules; CFPB mortgage loan option rule; CFPB proposal on telephone surveys for short-form credit card agreements.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

Cyber Security (S. 2105) (H.R. 3523) Capital Access for Small Businesses and Jobs Act (H.R. 3993) Credit Union Member Business Lending (S. 2231) (H.R. 1418)

Client expense: Not reported · Firm income: $25,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.J.Res. 117 - Continuing Appropriations Resolution, 2013: Resolution prevents a government shutdown and fund federal programs until March 27, 2013. NSBA supported. H.R. 8 - Job Protection and Recession Prevention Act of 2012: Bill would extend for an additional year, through 2013, the Bush-era tax reductions originally enacted in 2001 and 2003, and set to expire at the end of this year. NSBA supported. H.R. 9 The Small Business Tax Cut Act: Bill will allow businesses with fewer than 500 employees to take a tax deduction equal to 20 percentfor one yearof their active business income. This deduction also would apply to pass-through entities, which compose the majority of small businesses. NSBA supported. H.R. 25 Fair Tax Act of 2011: Legislation to abolish the Internal Revenue Service and enact a national retail sales tax. NSBA supported. H.R. 436 Protect Medical Innovation Act of 2012: Bill would amend the Internal Revenue Code to repeal the medical device excise tax that is scheduled to go into effect on January 1, 2013. NSBA supported. H.R. 679 - Berry Amendment Extension Act: This bill would require that any items purchased by the Sec. of the Department of Homeland Security directly related to national security interests are grown, reprocessed, reused, or produced in the US, except with regard to issues of necessary quality and quantity. NSBA supported H.R. 880 - Equity for Our Nations Self-Employed Act of 2011: The bill would allow self-employed individuals to fully-deduct the cost of their health insurance, thus eliminating the self-employed tax on health care. NSBA supported. H.R. 942 American Research and Competitiveness Act of 2011: Bill would amend the Internal Revenue Code of 1986 to extend the research credit through 2012 and to increase and make permanent the alternative simplified research credit. NSBA supported. H.R. 1259 Death Tax Repeal Permanency Act of 2011: Bill to repeal the estate tax. The effective date is the date of enactment, and the bill retains step-up basis. NSBA supported. H.R. 1418 - Small Business Lending Enhancement Act of 2011: Bill would increase the cap for credit union lending from 12.25 percent to 27.5 percent of total assets of the credit union. NSBA supported. H.R. 1663 Small Business Encouragement Act: Amends the Internal Revenue Code to allow small business employers whose gross receipts in the preceding taxable year did not exceed $20 million, or who did not employ more than 100 full time employees, a work opportunity tax credit for hiring unemployed individuals as full-time employees during 2012 and 2013. NSBA opposed. H.R. 1697 Communities First Act: Bill would provide community bank regulatory relief. NSBA supported. H.R. 1827 Home Office Deduction Simplification Act: Bill would allow home-based businesses to take a standard $1,500 deduction for home office expenses. NSBA supported. H.R. 2312 - Department of Defense Textile and Apparel Procurement Fairness Act: Among other things, prohibits DoD from purchasing more than 5 percent of any one textile or apparel product from the Federal Prison Industries (FPI). NSBA supported. H.R. 2501, H.R. 1113 Fair Employment Opportunity Act of 2011: Would make unemployed a protected class for discrimination law purposes. NSBA opposed. H.R. 2885 Legal Workforce Act: This bill would make the use of E-Verify Mandatory for all employers. NSBA opposed. H. R. 2941 Startup Expansion and Investment Act: Bill would address SarbanesOxley internal control reporting for small entities. NSBA supported. H.R. 3012 - Fairness for High-Skilled Immigrants Act: Would eliminate the per-country numerical cap on the number of employment-based immigrant visas and increase the per-country numerical limitation for family-sponsored immigrant visas from 7 percent to 15 percent annually. NSBA is monitoring. H.R. 3476 AGREE Act: Bill would address SarbanesOxley internal control reporting for small entities. NSBA supported. H.R. 3634 - Federal Prison Industries Competition in Contracting Act: Require the Federal Prison Industries (FPI) to compete for government contracts, requires FPI to provide a detailed analysis of the probable impact on the private sector, prohibit FPI from selling products commercially, and require agencies to research private sector products based on price, quality, and time of delivery, among other things. NSBA is monitoring. H.R. 3786 Plain Regulations Act of 2012: This bill would reform the regulatory process to require the use of clear and concise language in all new government regulations. NSBA supported. H.R. 3850 - Government Efficiency Through Small Business Contracting Act of 2012: Raise the government-wide small business contracting goal from 23% to 25%, the small business subcontracting goal from 35.9% to 40%, and also prevent senior officials from receiving bonuses in subsequent years where their respective agencies failed to meet the established small business contracting goals. NSBA supported. H.R. 3851 - Small Business Advocate (SBAA): This bill would enhance the role of the Office of Small and Disadvantaged Business Utilization (OSDBU) by elevating the OSDBU Director to a Senior Executive Service position and would prohibit them from holding another position at the same time. NSBA supported. H.R. 3893 - Subcontracting Transparency and Reliability (STAR) Act of 2012: Ensure that small businesses are the ones actually benefiting from the contracts set aside on their behalf. It would also allow more small businesses to partner and compete for federal contracts. NSBA supported. H.R. 3980 - Small Business Opportunity Act of 2012: Enhance the role of small-business advocates in the federal acquisition and procurement processes, create small-business contracting classes, and ensure that small business concerns are properly utilized in all applicable federal procurement and acquisition planning processes. NSBA supported. H.R. 3985 - Building Better Business Partnerships Act of 2012: This bill would allow the SBA to oversee all civilian mentor protege programs, improve small-businesses ability to win and perform on government contracts. NSBA supported. H.R. 3987 - Small Business Protection Act of 2012: Would ensure that the size standards assigned to each industry group are appropriate for each NAICS code and do not make it more difficult for small-business to compete for federal contracting opportunities. NSBA supported. H.R. 4032 - Help Entrepreneurs Create American Jobs Act: Amends Section 195 of the Internal Revenue Code to increase the allowable deduction for business start-up expenses from $5,000 to $10,000, extending the 2010 temporary increase in the maximum deduction for start-up expenditures for ten years. NSBA supported. H.R. 4081 - Contractor Opportunity Protection (COP) Act of 2012: Protects small business contractors from unfair contract bundling by allowing the SBA (or a third party group) to appeal an agencys decision to bundle contracts, clarifies statutory limits on contract bundling, and requires publication of bundling justification to increase transparency. NSBA supported. H.R. 4118 - Small Business Procurement Improvement Act of 2012: Requires federal agencies to include small business concerns in multiple award contracts, carry out a program to increase small business participation in multiple award contracts, and provide the SBA with representation on the Federal Acquisition Regulatory Council. NSBA supported. H.R. 4121 - Early Stage Small Business Contracting Act of 2012: Requires SBA administrator to create and carry out a program to provide improved access to federal contract opportunities for early-stage small business concerns. NSBA supported. H.R. 4191 - Credit Union Small Business Lending Act: Establishes a separate process by which credit unions participating in the 7(a) loan program may receive approvals and repurchases regarding loan guarantees under that program, creates a credit union outreach program, and authorizes the SBA Administrator to simplify the application process for credit union participation. NSBA is monitoring. H.R. 4196 Bonus Depreciation: Bill extends 100 percent bonus depreciation through the rest of this year. Bonus depreciation allows businesses of all sizes to immediately expense the cost of property purchased and placed into service. NSBA supported. H.R. 4203 - Womens Procurement Program Improvement Act of 2012: This bill would expand contracting opportunities for women-owned small business concerns. NSBA supported. H.R. 4206 - Contracting Oversight for Small Business Jobs Act of 2012: Addresses contracting fraud by helping small businesses comply with complicated contracting and size rules, and providing a safe harbor for small businesses making a good faith effort to comply with those rules. NSBA supported. H.R. 4310 National Defense Authorization Act (NDAA): Reauthorizes our national defense programs and includes contracting reform provisions that will help small businesses. NSBA is monitoring this legislation, but supports the specific contracting reform provisions. H.R. 4377 RAPID Act: Would improve the environmental review and permitting process by providing concurrent reviews, allow state-level environmental reviews to be used in certain situations, consolidate the process into a single Environmental Impact Statement (EIS), and impose fixed deadlines for completion of an EIS or an Environmental Assessment (EA). NSBA supported. H.R. 4409 Reforming and Consolidating government Act of 2012: This bill would define President Obamas proposed efficiency-enhancing plan as a reorganization plan and also expands the Presidents executive authority to reorganize federal agencies. NSBA is monitoring. H.R. 4471 Gasoline Regulations Act of 2012: Bill would establish an interagency committee to analyze and report on the cumulative impact of certain EPA regulations and actions that affect gasoline, diesel fuel, natural gas prices, jobs, and the economy. NSBA is monitoring. H.R. 4480 Strategic Energy Production Act of 2012: Bill would require the development of a plan to increase oil and gas exploration, development and production under oil and gas leases on Federal lands to offset any drawdown of petroleum reserves from the Strategic Petroleum Reserve. NSBA is monitoring. H.R. 5187 IMPACT Act: Bill would extend Production Tax Credits for renewable energy, extend the 1603 Grant Program, extend energy efficiency tax credits, provide incentives for heavy duty natural gas vehicles, and would eliminate certain tax breaks for major integrated oil companies. NSBA supported. H.R. 5893 Startup Act 2.0: This bill will provide capital gains and income tax incentives to incentivize entrepreneurs and facilitate the growth of new start-ups, creates a new STEM visa for up to foreign students and establishes a new category of visas for immigrant entrepreneurs. NSBA supported. H.R. 6102 America's Small Business Tax Relief Act of 2012: The bill's aim is to help small business owners by instituting eight permanent tax deductions that not only provide fiscal clarity for the business-owners, but also, provide them with equity in the tax code. NSBA supported. H.R. 6132 American Clothing for American Olympians Act: This bill requires the U.S. Olympic Committee to ensure that all goods to be donated or supplied to any amateur athlete, coach, trainer, manager, administrator, or official of the U.S. Olympic team, the Paralympic team, or the Pan-American team are substantially made in the United States. NSBA is monitoring. H.R. 6169 The Pathway to Job Creation through a Simpler, Fairer Tax Code Act of 2012: The measure establishes an expedited process for tax reform in 2013 that will direct the committees of jurisdiction to consider and act on comprehensive tax reform next year. NSBA supported. H.R. 6245 - Saving High-Tech Innovators from Egregious Legal Disputes Act: This bill would require non-practicing entities (i.e. patent trolls) to pay a defendants computer hardware and software patent litigation costs if the court determines that the non-practicing entity did not have a reasonable likelihood of succeeding. NSBA is monitoring. H.R. 6397 - Defending American Taxpayers From Abusive Government Takings Act: This bill would prohibit Fannie Mae, Freddie Mac, and HUD from purchasing, guaranteeing, making, issuing, or insuring any mortgage (small business loan) secured by a structure or dwelling unit located within a county that contains any structure or dwelling unit that secures or secured a residential mortgage loan that the state or any territory, including any agency or political subdivision, obtained during the preceding 120 months by eminent domain. NSBA is monitoring this legislation. H.R. 6412 Attracting the Best and Brightest Act of 2012: Bill would provide up to 55,000 green cards to foreign-born students graduating from an American university with an advanced degree in a STEM field (Science, Technology, Engineering or Mathematics). NSBA supported. H.R. 6429 STEM Jobs Act of 2012: Bill would provide up to 55,000 green cards to foreign-born students graduating from an American university with an advanced degree in a STEM field (Science, Technology, Engineering or Mathematics). NSBA supported. S. 13 Fair Tax Act of 2011: Legislation to abolish the Internal Revenue Service and enact a national retail sales tax on the use or consumption in the United States of taxable property or services. NSBA supported. S. 474 Small Business Regulatory Freedom Act: Bill would reform the regulatory process and ensure that job creation by small businesses is considered during the Federal legislative and rulemaking process. NSBA supported. S. 509 The Small Business Lending Enhancement Act: Bill would amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities. NSBA supported. S.727 Bipartisan Tax Fairness and Simplification Act of 2011: Comprehensive tax reform legislation with provisions consolidating tax brackets for individuals and businesses while at the same time lowering federal tax obligations, in part through a single, flat 24 percent corporate rate. NSBA is monitoring. S. 1289 Taxpayer Advocacy and Government Accountability Promotion Act: Bill targets noncompliant tax filers with provisions to improve tax forms and tax administration and decrease tax avoidance by contractors, as a way to reduce the tax gap. NSBA is monitoring. S. 1471 Fair Employment Opportunity Act of 2011: Would make unemployed a protected class for discrimination law purposes. NSBA opposed. S. 1590 Fairness for Small Businesses in Federal Contracting Act of 2011: Requires the SBA and Federal Acquisition Regulatory Council to replace the North American Industrial Classification System (NAICS) with a new small business size classification system. NSBA is monitoring. S. 1600 Communities First Act: Bill would provide community bank regulatory relief. NSBA supported. S. 1736 Acquisition Savings Reform Act of 2011: Bill aims to streamline the federal procurement process by requiring online reverse auctions, consider strategic sourcing vehicles in procurement of commercial items, and direct the FAR council to amend the FAR to reflect the government-wide policy to pay small business concerns as quickly as possible. NSBA is monitoring. S. 1866 AGREE Act: Bill would address SarbanesOxley internal control reporting for small entities. NSBA supported. S. 1965 Startup Act: Provides capital gains and income tax incentives to incentivize entrepreneurs and facilitate the growth of new start-ups, creates a new STEM visa for up to foreign students and establishes a new category of visas for immigrant entrepreneurs. NSBA is monitoring. S. 2114 - Berry Amendment Extension Act: Requires that any items purchased by the Secretary of the Department of Homeland Security directly related to national security interests are grown, reprocessed, reused, or produced in the US, except with regard to issues of necessary quality and quantity. NSBA supported. S. 2129 Reforming and Consolidating Government Act of 2012: This bill would define President Obamas proposed efficiency-enhancing plan as a reorganization plan and also expands the Presidents executive authority to reorganize federal agencies NSBA is monitoring. S. 2172 Fairness in Women-Owned Small Business Contracting Act of 2012: Bill would eliminate the cap on women entrepreneurs and allow women-owned businesses to receive sole source contracts, among other things. NSBA is monitoring. S. 2231 The Small Business Lending Enhancement Act: Bill would amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities. NSBA is monitoring. S. 2237 Small Business Jobs and Tax Relief Act of 2012: Bill is designed to give small businesses a 10-percent income tax credit on new payroll for hiring new workers or increasing employee wages and will allow businesses to fully deduct the cost of significant investments made this year. The $26 billion in tax cuts would be temporary and apply only to 2012 wages and investments. NSBA is monitoring. S.2242 Death Tax Repeal Permanency Act of 2012: Bill to repeal the estate tax. The effective date is the date of enactment, and the bill retains step-up basis. NSBA supported. S. 2337 Plain Writing Act for Regulations for 2012: Bill would reform the regulatory process to require the use of clear and concise language in all new government regulations. NSBA supported. S. 2264 Domestic Fuels Act: By streamlining the regulatory process, developing new criteria, and providing liability protection for retailers, this bill would make it easier for retailers to provide multiple fuels (traditional and renewable) to consumers and businesses using the same equipment. NSBA is monitoring. S. 3217 Startup Act 2.0: This bill will provide capital gains and income tax incentives to incentivize entrepreneurs and facilitate the growth of new start-ups, creates a new STEM visa for up to foreign students and establishes a new category of visas for immigrant entrepreneurs. NSBA supports. S. 3194 Small Business Common Application Act: Bill would require a 12-member executive committee to review the feasibility of a common (or single) application for small businesses to use when applying for federal funding opportunities. NSBA is monitoring. S. 3275 Master Limited Partnerships (MLPs) Parity Act: Bill would allow MLPs to invest in renewable energy projects. NSBA is monitoring. S. 3352 Expanding Industrial Energy and Water Efficiency Incentives Act of 2012: This bill would amend the Internal Revenue Code to: increase megawatt and horsepower capacity limitations for the combined heat and power system property energy tax credit; allow new tax credits to improve advanced motor system energy efficiency, to replace chlorofluorocarbon (CFC) refrigerant chillers, and for investment in any qualifying efficient industrial process water use project; and allow an energy tax credit for investment in biomass heating property. NSBA is monitoring. S. 3387 Team USA Made in America Act of 2012: This bill requires the U.S. Olympic Committee to adopt a policy with respect to uniforms to be worn by athletes during ceremonies that are part of the Olympic Games, the Paralympic Games, or the Pan-American Games that requires it to: purchase or otherwise obtain only uniforms, including accessories that meet the standards of the Federal Trade Commission (FTC) for labeling as "Made in USA"; or make publicly available a detailed justification of the reasons the Committee obtained uniforms that do not meet that requirement. NSBA is monitoring. S. 3412 Middle Class Tax Cut Act: Bill would extend for one year current individual tax rates for individuals with income below $200,000, and joint filers with income below $250,000. NSBA opposed. S. 3414 Cybersecurity Act of 2012: The bill provides for a flexible and voluntary, incentives-based system (or set of standards) to encourage owners and operators of the countrys most critical infrastructure systems to meet much-needed cyber-security requirements. NSBA is monitoring. S. 3438 Offshore Petroleum Expansion Now (OPEN) Act of 2012: This bill would seek to expand offshore energy production via an alternative to the Department of Interiors five-year leasing plan and permit revenue sharing with the participating coastal states. NSBA is monitoring. S. 3444 Wear American Act: This bill would direct the Federal Acquisition Regulation Council to amend the Federal Acquisition Regulation (FAR) to require federal agencies to procure textiles and apparel articles that are manufactured in the United States wholly from articles, materials, or supplies mined, produced or manufactured in the United States. NSBA is monitoring. S. 3468 Independent Agency Regulatory Analysis Act of 2012: This bill would, among other things, authorize the President to require an independent regulatory agency to comply with basically the same regulatory analysis requirements as an executive agency (including cost-benefit analysis). NSBA supported. S. 3521 Family and Business Tax Cut Certainty Act of 2012: The bill would extend certain expired and expiring business and individual tax provisions through the end of 2013. The proposed tax extenders package includes a two-year extension of many tax provisions that expired at the end of 2011 including the research credit, CFC look-through, active financing, and leasehold improvement depreciation and a one-year extension of a modified renewable electricity production tax credit and certain other tax provisions that are set to expire at the end of 2012. NSBA supported. S. 3553 Benefits to Research and American Innovation through Nationality Statutes: Act of 2012 (BRAINS Act): Bill would provide up to 55,000 green cards to foreign-born students graduating from an American university with an advanced degree in a STEM field (Science, Technology, Engineering or Mathematics). NSBA supported. EEOC - NSBA opposes efforts to treat educational attainment requirements as discrimination. NSBA opposes efforts to limit employer criminal background checks. SEC NSBA supports reasonable regulations implementing the JOBS Act (in particular relating to general solicitation, crowdfunding and emerging growth companies). DOL, HHS, IRS NSBA opposes efforts to restrict employer provided health care benefit self-insurance with stop loss. HHS Federally Facilitated Exchanges. NSBA supports health insurance exchanges and is seeking rapid implementation and adequate guidance. NSBA supports allowing any QHP that meets all certification standards to sell insurance on the exchanges. USCIS Deferred Action policy. NSBA seeks clear rules that do not pose additional legal risk for or burden employers. IRS Health care FSAs. NSBA supports elimination of the so-called use-it or lose-it rule. NSBA also supports revision of the uniform coverage rule if the use-it or lose-it rule is changed. SBA NSBA filed comments with SBA re: SBA Proposed Rule on SBIR/STTR programs, and NSBA supported letter submitted by SBTC re: SBIR/STTR Policy Directive USPTO NSBA filed comments with the U.S. Patent and Trademark Office regarding proposed rule implementing changes of the first to file provisions of the Leahy-Smith America Invents Act. DOL NSBA opposes proposed rule under the Labor-Management Reporting and Disclosure Act that would require employers to report on consultants assisting with speech-writing, public relations advice, labor campaigns, web sites, emails or other materials for employer communication to employees or the public, no matter how minor or indirect the relation to any labor dispute. In addition, modification of personnel policies and practices fall under the persuader activities list. Therefore, arrangements with and the content of the work by attorneys, insurance agents, HR consultants, pension consultants, accountants or financial advisers who review benefits packages or other personnel practices would be reportable.

Client expense: $55,000 · Firm income: Not reported

Government targets: Bureau of Citizenship & Immigration Services (BCIS), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Export-Import Bank of the United States (EXIM Bank), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

IREM conducted a Capitol Hill Visit on April 18, 2012. One of the issues our members talked with U.S. Representatives and Senators about was the credit union lending cap. We asked for support of H.R. 1418 and S. 2231.

Client expense: $10,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

IREM conducted a Capitol Hill Visit on April 18, 2012. One of the issues our members talked with U.S. Representatives and Senators about was the credit union lending cap. We asked for support of H.R. 1418 and S. 2231.

Client expense: $10,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

S. 509, S. 2231, HR 1418: Small Business Lending Enhancement Act: Advocated for passage of this legislation to increase the business lending cap applied to credit unions.

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 509, the Small Business Lending Enhancement Act of 2011 (all provisions) S. 556, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions)S. 1151, the Personal Data Privacy and Security Act of 2011 (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) S. 1207, the Data Security and Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1408, the Data Breach Notification Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1434, the Data Security Act of 2011, (all provisions, including data security and consumer notice requirements) S. 1535, the Personal Data Protection and Breach Accountability Act of 2011 (all provisions, including data security and consumer notice requirements) S. 1615, the Financial Regulatory Responsibility Act of 2011 (all provisions) S. 1824, the Private Company Flexibility and Growth Act (all provisions) S. 1941, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) S. 2099, a bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) S. 2160, the Financial Institutions Examination Fairness and Reform Act (all provisions) S. 2223, a bill to address the implementation of certain prohibitions under the Bank Holding Company Act of 1956, and for other purposes (all provisions) S. 2231, the Small Business Lending Enhancement Act of 2012 (all provisions) S. 3204, a bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes (all provisions) 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 (all provisions) S. 3492, A bill to provide exemptions from municipal advisor registration requirements (all provisions) H.R. 1070, the Small Company Capital Formation Act of 2011 (all provisions) H.R. 1418, the Small Business Lending Enhancement Act of 2011 (all provisions) H.R. 1539, the Asset-Backed Market Stabilization Act of 2011 (all provisions) H.R. 1573, a bill to facilitate implementation of title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption (all provisions) H.R. 1965, a bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes (all provisions) H.R. 2056, a bill To instruct the Inspector General of the Federal Deposit Insurance Corporation to study the impact of insured depository institution failures, and for other purposesH.R. 2167, the Private Company Flexibility and Growth Act (all provisions) H.R. 2577, the SAFE Data Act (all provisions, including those to exclude GLBA institutions from data security and consumer notice requirements) H.R. 2827, to amend the Securities Exchange Act of 1934 to clarify provisions relating to the regulation of municipal advisors and for other purposes H.R. 3128, to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to adjust the date on which consolidated assets are determined for purposes of exempting certain instruments of smaller institutions from capital deductions (all provisions) H.R. 3283, the Swap Jurisdiction Certainty Act (all provisions) H.R. 3461, the Financial Institutions Examination Fairness and Reform Act (all provisions) H.R. 3606, the Jumpstart Our Business Startups (JOBS) Act (provisions regarding shareholder threshold for SEC registration) H.R. 3871, the Proprietary Information Protection Act of 2012 (all provisions) H.R. 3993, Capital Access for Small Businesses and Jobs Act H.R. 4014, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions) H.R. 4088, the Capital Expansion Act (all provisions) H.R. 4235, to amend the Securities Exchange Act of 1934 and the Commodity Exchange Act to repeal the indemnification requirements for regulatory authorities to obtain access to swap data required to be provided by swaps entities under such Acts (all provisions) 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 (all provisions) H.R. 5860, the Executive Compensation Clawback Full Enforcement Act (all provisions) H.R. 6524, To make improvements to provisions of the Bank Holding Company Act of 1956 relating to proprietary trading by banking entities. Proposal to Implement Basel III Capital Standards Proposal to implement the Volcker Rule under the Dodd-Frank Act

Client expense: $1,650,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 3993 (Capital Access for Small Businesses and Jobs Act) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1418 / S. 509 (Small Business Lending Enhancement Act of 2011) H.R. 4367 / S. 3204 (Bills to amend the disclosure requirements under the Electronic Fund Transfer Act) H.R. 5817 (Eliminate Privacy Notice Confusion Act)

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE