Military Family Home Protection Act

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

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

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

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

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

Department of Veterans Affairs appropriations and its delivery of benefits and services to veterans, their dependents and survivors: HR 6627, HR 6580, HR 6576, HR 6563, HR 6527, HR 6393, HR 6375, HR 6372, HR 6297, HR 6107, HR 6101, HR 6071, HR 6044, HR 6008, HR 5999, HR 5881, HR 5880, HR 5833, HR 5799, HR 5747, HR 5712, HR 5683, HR 5653, HR 5650, HR 4978, HR 4869, HR 4740, HR 4482, HR 4481, HR 4327, HR 4310, HR 4299, HR 4287, HR 4246, HR 4288, HR 4142, HR 4124, HR 4118, HR 4115, HR 4114, HR 4072, HR 4057, HR 4051, HR 4048, HR 4023, HR 3895, HR 3850, HR 3758, HR 3723, HR 3721, HR 3712, HR 3687, HR 3670, HR 3638, HR 3612, HR 3610, HR 3546, HR 3473, HR 3438, HR 3414, HR 3355, HR 3337, HR 3329, HR 3298, HR 3279, HR 3245, HR 3064, HR 3016, HR 2996, HR 2985, HR 2875, HR 2853, HR 2751, HR 2720, HR 2711, HR 2646, HR 2605, HR 2559, HR 2590, HR 2534, HR 2530, HR 2443, HR 2433, HR 2424, HR 2419, HR 2388, HR 2383, HR 2377, HR 2318, HR 2300, HR 2203, HR 2187, HR 2148, HR 2074, HR 2055, HR 2053, HR 2052, HR 2046, HR 2002, HR 1979, HR 1947, HR 1941, HR 1930, HR 1855, HR 1826, HR 1811, HR 1854, HR 1832, HR 1742, HR 1671, HR 1657, HR 1647, HR 1484, HR 1473, HR 1454, HR 1407, HR 1298, HR 1285, HR 1260, HR 1178, HR 1154, HR 1133, HR 1092, HR 1025, HR 930, HR 814, HR 813, HR 812, HR 810, HR 809, HR 806, HR 805, HR 804, HR 803, HR 802, HR 575, HR 539, HR 465, HR 333, HR 329, HR 309, HR 303, HR 287, HR 277, HR 276, HR 248, HR 240, HR 186, HR 178, HR 120, HR 115, HR 26, HR 7, H RES 636, H RES 445, H RES 376, H CON RES 112, H CON RES 34, S 3555, S 3511, S 3457, S 3405, S 3353, S 3349, S 3348, S 3340, S 3313, S 3309, S 3308, S 3236, S 3235, S 3233, S 3210, S 3179, S 3084, S 3082, S 3052, S 3049, S 2474, S 2299, S 2246, S 2259, S 2239, S 2130, S 2128, S 2045, S 2004, S 1866, S 1849, S 1847, S 1846, S 1823, S 1799, S 1798, S 1755, S 1689, S 1631, S 1629, S 1474, S 1391, S 1334, S 1314, S 1253, S 1184, S 1172, S 1154, S 1148, S 1147, S 1146, S 1127, S 1124, S 1123, S 1104, S 1089, S 1080, S 1060, S 1017, S 981, S 957, S 951, S 935, S 914, S 910, S 894, S 874, S 873, S 816, S 798, S 769, S 745, S 696, S 666, S 658, S 633, S 536, S 490, S 423, S 411, S 344, S 260, S 223, S 68, S 67, S CON RES 13, S RES 333, S RES 160

Met with House and Senate on issues related to derivatives and credit default swaps Met with House and Senate on implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 HR 2586 - Swap Execution Facility Clarification Act - all provisions Met with House and Senate on issues related to bank size, including resolution authority H.R.1573 - 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.1838 - To repeal a provision of the Dodd-Frank Wall Street Reform and Consumer Protection Act prohibiting any Federal bailout of swap dealers or participants - all provisions H.R.2308 - SEC Regulatory Accountability Act - all provisions H.R.2577 - SAFE Data Act - all provisions H.R.2586 - Swaps Execution Facility Clarification Act - all provisions H.R.2779 - To exempt inter-affiliate swaps from certain regulatory requirements put in place by the Dodd-Frank Wall Street Reform and Consumer Protection Act - all provisions H.R.3045 - Retirement Income Protection Act of 2011 - all provisions H.R.3156 - Consumer Debit Card Protection Act - all provisions H.R.3283 - Swap Jurisdiction Certainty Act - all provisions H.R.3461 - Financial Institutions Examination Fairness and Reform Act - all provisions H.R.3523 - Cyber Intelligence Sharing and Protection Act - all provisions H.R.3674 - The PRECISE Act - all provisions H.R.3871 - Proprietary Information Protection Act - all provisions H.R.4014 - To amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection - all provisions other purposes - 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 - all provisions H.R.4348 - MAP-21 - all provisions H.R.5747 - Military Family Home Protection Act - all provisions S.413 - Cyber Security and Internet Freedom Act - all provisions S.799 - Commercial Privacy Bill of Rights - met with House and Senate to discuss privacy, data security legislation and cyber security S.913 - Do Not Trade Online Act - all provisions S.967 - Regulation of Mortgage Servicing Act of 2011 - all provisions S.1151 - Personal Data Privacy and Security Act - met with House and Senate to discuss privacy, data security legislation and cyber security S.1207 - Data Security and Breach Notification Act - met with House and Senate to discuss privacy, data security legislation and cyber security S.1408 - Data Breach Notification Act - all provisions S.1434 - Data Security Act - all provisions S.1469 - International Cybercrime Reporting Act - all provisions S.1535 - Personal Data Protection & Breach Accountability Act - all provisions S.1650 - Dodd-Frank Improvement Act of 2011 - 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.2105 - Cybersecurity Act of 2012 - all provisions S.2151 - SECURE IT - all provisions S.2223 - A bill to address the implementation of certain prohibitions under the Bank Holding Company Act of 1956 - all provisions S.3048 - A bill to provide for a safe, accountable, fair, and efficient banking system, and for other purposes - all provisions S.3085 - Responsible Homeowner Refinancing act - all provisions S.3179 - Servicemember Housing Protecton Act - all provisions S.3245 - A bill to extend by 3 years the authorization of the EB-5 Regional Center Program, the E-Verify Program, the Special Immigrant Nonminister Religious Worker Program, and the Conrad State 30 J-1 Visa Waiver Program. - all provisions S.3323 - Military Family Home Protection Act - all provisions S.3333 - Data Security and Breach Notification Act of 2012 - all provisions Met with House and Senate about Basel III and capital requirements and international coordination Met with House and Senate on Volcker Rule Met with House and Senate on credit card interchange H.R.2827 - A bill to amend the Securities Exchange Act of 1937 to clarify provisions relating to the regulation of municial securities, and for other purposes - all provisions S.3394 - A bill to address fee disclosure requirements under the Electronic Funds 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 for exemptions from municipal advisor registration requirements - all provisions Met with House and Senate on market structure issues.

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

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

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

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

S. 1106, Justice for Troops Act, - Activity in support of funding for the military pro bono projects H.R. 4310, S. 3254, FY13 National Defense Authorization Act - detainee provisions; provisions regarding pro bono legal assistance for low-income military, military child custody, and sexual assault of military troops H.R. 4201 Service Member Family Protection Act of 2012 -- provisions concerning military child custody; H.R.3435, Sexual Assault Training Oversight and Protection Act (STOP Act), provisions relating to sexual assault of servicemembers H.R. 5747, the Military Family Home Protection Act

Client expense: $230,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Legal Services Corporation, Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Copyright Office, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), White House Office

Department of Veterans Affairs appropriations and its delivery of benefits and services to veterans, their dependents and survivors: HR 6576, HR 6563, HR 6297, HR 5880, HR 5833, HR 5799, HR 5747, HR 5712, HR 5683, HR 5653, HR 5650, HR 4978, HR 4740, HR 4482, HR 4481, HR 4310, HR 4299, HR 4246, HR 4288, HR 4142, HR 4118, HR 4115, HR 4114, HR 4072, HR 4057, HR 4051, HR 4048, HR 4023, HR 3895, HR 3850, HR 3758, HR 3721, HR 3712, HR 3687, HR 3670, HR 3638, HR 3612, HR 3610, HR 3546, HR 3473, HR 3438, HR 3355, HR 3337, HR 3329, HR 3279, HR 3064, HR 3016, HR 2996, HR 2875, HR 2711, HR 2559, HR 2590, HR 2534, HR 2530, HR 2433, HR 2424, HR 2318, HR 2187, HR 2148, HR 2053, HR 2052, HR 2046, HR 1979, HR 1947, HR 1941, HR 1930, HR 1826, HR 1811, HR 1854, HR 1742, HR 1671, HR 1657, HR 1454, HR 1285, HR 1260, HR 1178, HR 1133, HR 1092, HR 813, HR 812, HR 810, HR 809, HR 806, HR 805, HR 803, HR 802, HR 539, HR 465, HR 333, HR 329, HR 309, HR 303, HR 248, HR 240, HR 186, HR 178, HR 120, HR 115, HR 26, HR 7, H RES 636, H RES 445, H RES 376, H CON RES 112, S 3555, S 3457, S 3313, S 3309, S 3236, S 3235, S 3210, S 3052, S 2299, S 2246, S 2259, S 2130, S 2128, S 2004, S 1866, S 1849, S 1847, S 1823, S 1799, S 1798, S 1689, S 1631, S 1629, S 1474, S 1391, S 1334, S 1253, S 1184, S 1172, S 1154, S 1148, S 1147, S 1124, S 1123, S 1104, S 1060, S 1017, S 951, S 935, S 914, S 910, S 894, S 874, S 873, S 816, S 798, S 769, S 696, S 658, S 633, S 536, S 490, S 423, S 411, S 344, S 260, S 223, S 68, S 67, S CON RES 13, S RES 333, S RES 160

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

H.R. 4079 Safe Housing for Homeless Veterans Act - Bill to amend title 38, U.S.C., to require recipients of grants and other assistance from the VA Secretary for the provision of housing and other services for homeless veterans to comply with codes relevant to operations and level of care provided SUPPORT H.R. 4740 Fairness for Military Homeowners Act of 2012 - To amend the Servicemembers Civil Relief Act to ensure that relocation of a servicemember to serve on active duty away from the servicemember's principal residence does not prevent the servicemember from refinancing a mortgage on that principal residence SUPPORT H.R. 5747 Military Family Home Act - Measure to amend the Servicemembers Civil Relief Act to improve the protections for servicemembers against mortgage foreclosures SUPPORT H.R. 5830 Housing for Heroes Act - To amend title 38, United States Code, to enable certain non-profit organizations that serve homeless veterans to participate in the Grants and Per Diem Program of the Department of Veterans Affairs to provide transitional housing or other facilities for homeless veterans SUPPORT S. 3179 Servicemember Housing Protection Act of 2012 - A bill to amend the Servicemembers Civil Relief Act to enhance the protections accorded to servicemembers and their spouses with respect to mortgages SUPPORT S. 3308 Womens Homeless Veterans Act - A bill to amend title 38, U.S.C., to improve the furnishing of benefits for homeless veterans who are women or who have dependents SUPPORT

Client expense: $13,000 · Firm income: Not reported

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

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

P.L. 112-154, the "Honoring America's Veterans and Caring for Camp Lejeune Families Act of 2012 P.L. 112-147, the "Veterans to Skills Jobs Act" H.R. 115, the "CHAMPVA Children's Protection Act of 2011" H.R. 2383, the "Modernizing Notice to Claimants Act" H.R. 2388, the "Access to Timely Information Act" H.R. 3337/S. 1798, the "Open Burn Pit Registry Act of 2011" H.R. 3687/ S. 1755, beneficiary travel for non-service connected catastrophically disabled H.R. 3723, the "Enhanced Veteran Healthcare Experience Act of 2011" H.R. 4057, the "Improving Transparency of Education Opportunities for Veterans Act of 2012" H.R. 4072, the "Consolidating Veterans Employment Services for Improved Performance Act of 2012" H.R. 4114/S. 2259, the "Veterans' Compensation Cost-of-Living Adjustment Act of 2012" H.R. 5747/S. 3323, the "Military Family Home Protection Act" H.R. 5881, the "Access to Veterans Benefits Improvement Act" H.R. 5948, the "Veterans Fiduciary Reform and Honoring Noble Service Act" H.R. 6361/S. 3614, the "HAVEN Act" S. 490, a bill to increase the age of a CHAMPVA eligible dependent child S. 1184 S. 1264, the "Veteran Voting Support Act of 2011" S. 1391 S. 1631 S. 1705 S. 1707, the "Veterans Second Amendment Protection Act" S. 1799, the "Access to Appropriate Immunizations for Veterans Act of 2011" S. 1838, to implement a PTSD Assistance Dog Program S. 1849, the "Rural Veterans Health Care Improvement Act" S. 2179, the "Military and Veterans Educational Reform Act" S. 2206, the "GI Educational Freedom Act of 2012" S. 2241, the "GI Bill Consumer Educational Reform Act" S. 2244, the "Veterans Missing in America Act of 2012" S. 2246, the "TAP Modernization Act of 2012" S. 2320, the "Remembering America's Forgotten Veterans Cemetery Act of 2012" S. 3049 S. 3052 S. 3084, the "VISN Reorganization Act of 2012" S. 3179, the "Servicemembers Housing Protection Act of 2012" S. 3202, the "Dignified Burial of Veterans Act of 2012" S. 3206 S. 3238 S. 3313, the "Women Veterans and Other Health Care Improvements Act of 2012" The "Homeless Veterans Assistance Improvement Act of 2012" The "Mental Health ACCESS Act of 2012" The Post-9/11 Bill and Executive Order 13607

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

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

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

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

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

H.R. 4079 / Safe Housing for Homeless Veterans Act / To amend title 38, U.S.C., to require recipients of grants and other assistance from the VA Secretary for the provision of housing and other services for homeless veterans to comply with codes relevant to operations and level of care provided SUPPORT H.R. 4740 / Fairness for Military Homeowners Act of 2012 / To amend the Servicemembers Civil Relief Act to ensure that relocation of a servicemember to serve on active duty away from the servicemember's principal residence does not prevent the servicemember from refinancing a mortgage on that principal residence SUPPORT H.R. 5747 / Military Family Home Act / To amend the Servicemembers Civil Relief Act to improve the protections for servicemembers against mortgage foreclosures SUPPORT H.R. 5830 / Housing for Heroes Act / To amend title 38, United States Code, to enable certain non-profit organizations that serve homeless veterans to participate in the Grants and Per Diem Program of the Department of Veterans Affairs to provide transitional housing or other facilities for homeless veterans SUPPORT S. 3179 / Servicemember Housing Protection Act of 2012 / A bill to amend the Servicemembers Civil Relief Act to enhance the protections accorded to servicemembers and their spouses with respect to mortgages SUPPORT S. 3308 / Womens Homeless Veterans Act / A bill to amend title 38, U.S.C., to improve the furnishing of benefits for homeless veterans who are women or who have dependents SUPPORT

Client expense: $11,000 · Firm income: Not reported

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)

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Improvements in uniformed personnel programs, compensation, and benefits. H.R. 179, H.R. 181, H.R. 186, H.R. 303, H.R. 333, H.R. 865, H.R. 1092, H.R. 1110, H.R. 1260, H.R. 1297, H.R. 1283, H.R. 1540, H.R. 1979, H.R. 2146, H.R. 3670, H.R. 4201, H.R. 4238, H.R. 4310, H.R. 4341, H.R. 4631, H.R. 4740, H.R. 5747, H.R. 5854, H.R. 5856, S. 344, S. 658, S. 724, S. 866, S. 981, S. 1025, S. 1283, S. 1990, S. 2112, S. 2246, S. 2299, S. 2467, S. 3179, S. 3203, S. 3207, S. 3233, S. 3236, S. 3254, P.L. 112-25, P.L. 112-81

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