Eliminate Privacy Notice Confusion Act

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

H.R. 5, HEALTH Act (Gingrey) - IPAB repeal, medical liability reform, McCarran-Ferguson, H.R. 452, Medicare Decisions Accountability Act (Roe) - IPAB repeal, medical liability reform, McCarran-Ferguson, H.R.611 -- BEST PRACTICES Act (Rush) - data security, H.R. 1173, Fiscal Responsibility and Retirement Security Act (Boustany) - National Clearinghouse for LTC Information, H.R. 1409, Quality Health Care Coalition Act (Conyers) - antitrust exemption for physicians, H.R. 1707, Data Accountability and Trust Act (Rush) - data security, H.R. 1841, Data Accountability and Trust Act (Stearns) - data security, H.R. 2576, (Black) - eligibility for health care assistance, H.R. 2577, Secure and Fortify Electronic Data Act (Bono Mack) - data security, H.R. 2676, Small Business Health Relief Act (Schweikert) - repeal of premium tax and other ACA provisions, H.R. 4310, National Defense Authorization Act (McKeon) - TRICARE provisions, H.R. 5800, Health Care Price Transparency Promotion Act (Burgess) - price transparency, H.R. 5817, Eliminate Privacy Notice Confusion Act (Luetkemeyer) - privacy, H.R. 5909, Comprehensive Dental Reform Act (Cummings) - expanded access to dental services, H.R. 6684, Spending Reduction Act (Ryan) - ACA provisions, deficit reduction proposals, H.J.Res. 17, Continuing Appropriations Resolution (Rogers) - temporary appropriations for FY 2013, S. 1049, Small Business Health Relief Act (Kyl) - repeal of premium tax and other ACA provisions, S. 1099, HEALTH Act (Blunt) - medical liability reform, S. 1151, Personal Data Privacy and Security Act (Leahy) - privacy, data security, S. 1207, Data Security and Breach Notification Act (Pryor) - data security, S. 1223, Location Privacy Protection Act (Franken) - privacy, S. 1408, Data Breach Notification Act (Feinstein) - data security, S. 1535, Personal Data Protection and Breach Accountability Act (Blumenthal) - data security, S. 1789, 21st Century Postal Service Act (Lieberman) -- health benefits for postal employees, S. 2111, Cyber Crime Protection Security Act (Leahy) - privacy, S. 3254, National Defense Authorization Act (Levin) - TRICARE provisions, S. 3272, Comprehensive Dental Reform Act (Sanders) - expanded access to dental services, S. 3295, Labor, HHS, Education Appropriations Act (Harkin) - funding for HHS programs and agencies, ACA related amendments, S. 3333, Data Security and Breach Notification Act (Toomey) - data security, S. 3351, Protect Our Health Privacy Act (Franken) - privacy, S. 3414, Cybersecurity Act (Lieberman) - privacy, data security, S. 3432 Identity Theft and Tax Fraud Prevention Act (Nelson/Coburn) - privacy

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 5, HEALTH Act (Gingrey) IPAB repeal, medical liability reform, McCarran-Ferguson 16. Specific Lobbying Issues (continued): H.R. 452, Medicare Decisions Accountability Act (Roe) IPAB repeal, medical liability reform, McCarran-Ferguson H.R.611 -- BEST PRACTICES Act (Rush) data security H.R. 1173, Fiscal Responsibility and Retirement Security Act (Boustany) National Clearinghouse for LTC Information H.R. 1409, Quality Health Care Coalition Act (Conyers) antitrust exemption for physicians H.R. 1707, Data Accountability and Trust Act (Rush) data security H.R. 1841, Data Accountability and Trust Act (Stearns) data security H.R. 2576, (Black) eligibility for health care assistance H.R. 2577, Secure and Fortify Electronic Data Act (Bono Mack) data security H.R. 2676, Small Business Health Relief Act (Schweikert) repeal of premium tax and other ACA provisions H.R. 4310, National Defense Authorization Act (McKeon) TRICARE provisions H.R. 5800, Health Care Price Transparency Promotion Act (Burgess) price transparency H.R. 5817, Eliminate Privacy Notice Confusion Act (Luetkemeyer) privacy H.R. 5909, Comprehensive Dental Reform Act (Cummings) expanded access to dental services H.R. 6684, Spending Reduction Act (Ryan) ACA provisions, deficit reduction proposals H.J.Res. 17, Continuing Appropriations Resolution (Rogers) temporary appropriations for FY 2013 S. 1049, Small Business Health Relief Act (Kyl) repeal of premium tax and other ACA provisions S. 1099, HEALTH Act (Blunt) medical liability reform S. 1151, Personal Data Privacy and Security Act (Leahy) privacy, data security S. 1207, Data Security and Breach Notification Act (Pryor) data security S. 1223, Location Privacy Protection Act (Franken) privacy S. 1408, Data Breach Notification Act (Feinstein) data security S. 1535, Personal Data Protection and Breach Accountability Act (Blumenthal) data security S. 1789, 21st Century Postal Service Act (Lieberman) -- health benefits for postal employees S. 2111, Cyber Crime Protection Security Act (Leahy) privacy S. 3254, National Defense Authorization Act (Levin) TRICARE provisions S. 3272, Comprehensive Dental Reform Act (Sanders) expanded access to dental services S. 3295, Labor, HHS, Education Appropriations Act (Harkin) funding for HHS programs and agencies, ACA related amendments S. 3333, Data Security and Breach Notification Act (Toomey) data security S. 3351, Protect Our Health Privacy Act (Franken) privacy S. 3414, Cybersecurity Act (Lieberman) privacy, data security S. 3432 Identity Theft and Tax Fraud Prevention Act (Nelson/Coburn) privacy Regulatory Issues: HIPAA administrative simplification issues, including standards for privacy, security, and electronic transactions and code sets, identifiers including the health plan identifier, enforcement; FEHBP enrollment data clearinghouse initiative, the enrollment reconciliation process, and a related OPM reimbursement factor for records that cannot be reconciled; issues relating to health insurance plan participation in FEHBP, including contract requirements; transition from the similarly sized subscriber group (SSSG) requirement to an MLR; OPM data warehouse; implementation of the health savings account provisions of the Medicare Act; issues related to Medicare Secondary Payer requirements; issues related to implementation of the National Health Information Infrastructure; electronic health records, personal health records, and similar technologies; issues relating to market consolidation; issues related to hospital consolidation; issues relating to quality improvement; issues related to potential priority research topics for the effective health care program; issues relating to the national health data stewardship; issues relating to hospital outpatient measurement and reporting; issues relating to data breach requirements; issues relating to "meaningful use" requirements for health information technology; issues related to the collection of race and ethnicity data; issues related to medical loss ratios; review of rates for reasonableness; health insurance exchanges; preexisting condition insurance plans; accountable care organizations; coverage of preventive services; contraceptive coverage; pre-existing condition exclusions; lifetime and annual dollar limits on benefits; patient protections; grandfathered health plan provisions; issues relating to the annual fee on health insurance providers; health plan automatic enrollment requirements; health insurance web portal Regulatory Descriptions (con't): requirements; issues related to qualified health plans including certification and rate filing templates; health insurance market rules; dependent coverage; summary of benefits and coverage disclosures; benefit and payment parameters for 2014; essential health benefits, actuarial value, and accreditation; and other issues relating to health care reform implementation.

Client expense: $2,020,000 · Firm income: Not reported

Government targets: Agency for Healthcare Research & Quality (AHRQ), Centers For Medicare and Medicaid Services (CMS), Executive Office of the President (EOP), Federal Bureau of Investigation (FBI), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Medicare Payment Advisory Commission (MedPAC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Pension & Welfare Benefits Administration, SENATE, Treasury, Dept of, White House Office

Legislation related to cybersecurity, including S. 2105/S. 3414, the Cybersecurity Act; S 3342. Legislation related to privacy, including HR 5817, the Eliminate Privacy Notice Confusion Act.

Client expense: $1,120,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), 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

Issues related to HR 1309 - Flood Insurance Reform Act of 2011; and S 1940 - National Flood Insurance Act Amendment; and HR 5817 - Eliminate Privacy Notice Confusion Act

Client expense: $240,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to HR 1206 - Access to Professional Health Insurance Advisors Act of 2011; HR 1309 - Flood Insurance Reform Act of 2011; HR 5817 - Eliminate Privacy Notice Confusion Act, and S 1940 - National Flood Insurance Act Amendment

Client expense: $220,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4367 / S. 3204, 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. 4014 / S. 2099, To amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions). H.R. 1838, Swaps Bailout Prevention Act (all provisions). H.R. 5817, Eliminate Privacy Notice Confusion Act (all provisions). Basel III, issues related to capital standards, regulatory activity, rule making and implementation, risk weighting, capital and standardized approach, lending (home equity, mortgages and commercial lending), and risk management (no specific bill). Issues related to trade finance, general discussions (no specific bill). Issues related to lending, mortgage lending, qualified mortgages, qualified residential mortgages, small business lending, student loans and auto lending (no specific bill). Issues related to government sponsored enterprise (GSE) reforms (no specific bill). Issues related to credit card interchange and debit card interchange (Senator Durbin amendment, electronic debit card transactions) (no specific bill). Issues related to bank and card fees (no specific bill). Issues and general discussions related to administration's budget, Troubled Asset Relief Program (TARP), and financial crisis responsibility fee/bank tax (no specific bill). Issues related to Transaction Account Guarantee (TAG) expiration (no specific bill). Issues related to the Volcker Rule, liquidity management, liability management; rule making and regulatory implementation (no specific bill). H.R. 4173 (111th Congress, P.L. 111-203): Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act); regulatory implementation discussions covering rules and regulations, including discussions with the Consumer Financial Protection Bureau (for which there is no CFPB listing on Line 17 available), on structure, regulatory implementation, oversight, process, enforcement and compliant handling. General discussions covering the Dodd-Frank Act and provisions (Act repeal, amending and technical fixes), Volcker Rule, Financial Stability Oversight Council, systemically important financial institutions designations, prudential regulations, mortgage regulations (qualified mortgages, qualified residential mortgages), corporate governance, enhanced prudential standards (165/166), stress testing, capital planning, living will, readmittance, 716, push-out, Title VII (swaps/derivatives), overdraft, pre-paid cards, examinations and other banking and financial services related provisions. S. 3414, Cybersecurity Act of 2012 (all provisions). Issues related to cybersecurity and general discussions (no specific bill).

Client expense: $280,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

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

1. HR 749 - To amend the Internal Revenue Code of 1986 to permanently extend the subpart F exemption for active financing income: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 2. HR 1151 - Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 3. HR 1112 - National Association of Registered Agents and Brokers Reform Act of 2011: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 4. HR 63 - Long-Term Care Insurance Reform Act of 2011: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 5. HR 70 - Disability Benefit Fairness Act of 2011: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 6. HR 1173 - Fiscal Responsibility and Retirement Security Act of 2011: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 7. HR 220 - Identity Theft Prevention Act of 2011: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 8. HR 653 - Financial Information Privacy Act of 2011: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 9. HR 1528 - Consumer Privacy Protection Act of 2011: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 10. S 799 - Commercial Privacy Bill of Rights Act of 2011: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 11. HR 300 - Young Adults Financial Literacy Act: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 12. HR 626 - Financial Literacy for Youth Act of 2011: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 13. S 853 - A bill to provide for financial literacy education: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 14. S Res 121 - A resolution designating April 2011 as "Financial Literacy Month": provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 15. HR 48 - Federal Life Insurance Transparency Act: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 16. HR 130 - Life Insurance Employee Notification Act: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 17. S 159 - Confidence in Long-Term Care Insurance Act of 2011: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 18. DoddFrank Wall Street Reform and Consumer Protection Act: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 19. Short-term Disability for Federal Workers Bill; provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 20. Patient Protection and Affordable Care Act: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 21. Advocacy related to the debt limit increase: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 22. Tax Reform: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 23. Strategy for increasing employment opportunities for people with disabilities: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 24. Consumer Financial Protection Bureau Interim Final Rule of Records and Information: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 25. Privacy and Data breach, Cybersecurity, and SSN protection: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 26. S 1619 - Currency Exchange Rate Oversight Reform Act of 2011: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 27. S 1260 and HR 2535 - College Literacy in Finance and Economics Act of 2011: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 28. Genetic Information Nondiscrimination Act - HHS rule implementing Section 105 impacting LTC insurers: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 29. Loss ratios: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 30. Criteria and process for designating nonbank financial companies: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 31. The Health Information Technology for Economic and Clinical Health Act (HITECH) Act: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 32. Taxation of Employer Provided Benefits: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 33. Debt Limit Increase: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 34. Tax Extender Package: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 35. Safety Net/Employer Provided Benefits Protection: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 36. Hr 5817 - Eliminate Privacy Notice Confusion Act: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 37. Fair Credit Reporting Act: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry; 38. American Tax Payer Relief Act of 2012: provisions relating to employer-provided benefits and supplemental and voluntary benefits insurance industry

Client expense: $130,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), 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

See attachment. CSP Fourth Quarter Report 2012 Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. H.R. 5: the HEALTH Act of 2011. Issue: McCarran Ferguson H.R. 2096: Cybersecurity Enhancement Act of 2011. Directs Federal agencies to develop a national Research and Development plan as well as advance cybersecurity technical standards in order to prevent devastating cyber-attacks on the nations networks. Issue: Privacy/Cybersecurity H.R. 3523: Cyber Intelligence Sharing and Protection Act of 2011. Requires the Director of National Intelligence to: (1) establish procedures to allow intelligence community elements to share cyber threat intelligence with private-sector entities, and (2) encourage the sharing of such intelligence. Issue: Privacy/Cybersecurity H.R. 3674: PRECISE Act of 2011. Issue: Privacy/Cybersecurity HR 3730: Veterans Data Breach Timely Notification Act, To amend title 38, United States Code, to require the Secretary of Veterans Affairs to provide notice to individuals whose sensitive personal information is involved in a data breach, and for other purposes. Issue: Privacy and Data breech. H.R. 5817: Eliminate Privacy Notice Confusion Act. To amend the Gramm-Leach-Bliley Act to provide an exception to the annual privacy notice requirement. Issue: Privacy S. 2151. H.R. 4263: SECURE IT Act. Authorizes private entities to employ countermeasures and use cybersecurity systems to obtain, identify, or possess cyber threat information on its own networks or the networks of another entity with such entity's authorization. Allows private entities, nonfederal government agencies, or state, tribal, or local governments to voluntarily disclose cyber threat information to designated cybersecurity centers or to each other to assist with preventing, investigating, or mitigating threats to information security. Issue: Privacy/Cybersecurity S. 3333: Data Security and Breach Notification Act of 2012 To require certain entities that collects and maintains personal information of individuals to secure such information and to provide notice to such individuals in the case of a breach of security involving such information, and for other purposes. Issue: Privacy S. 3414: The Cybersecurity Act of 2012. A bill to enhance the security and resiliency of the cyber and communications infrastructure of the United States. Issue: Cybersecurity and Privacy Tracking: H.R. 1528: Consumer Privacy Protection Act of 2011. A bill to protect and enhance consumer privacy, and for other purposes. Issue: Privacy H.R. 2577: SAFE Data Act. To protect consumers by requiring reasonable security policies and procedures to protect data containing personal information, and to provide for nationwide notice in the event of a security breach. Issue: Privacy S. 1151: Personal Data Privacy and Security Act of 2011. A bill to prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information. Issue: Privacy S. 1152: Cybersecurity Enhancement Act of 2011. A bill to advance cybersecurity research, development, and technical standards, and for other purposes. Issue: Privacy S. 1207: Data Security and Breach Notification Act of 2011. A bill to protect consumers by requiring reasonable security policies and procedures to protect data containing personal information, and to provide for nationwide notice in the event of a security breach. Issue: Privacy S. 1408: Data Breach Notification Act of 2011. A bill to require any federal agency or business entity engaged in interstate commerce that uses, accesses, or collects sensitive personally identifiable information, following the discovery of a security breach, to notify: (1) any U.S. resident whose information may have been accessed or acquired, and (2) the owner or licensee of any such information that the agency or business does not own or license. Issue: Privacy S. 1535: Personal Data Protection and Breach Accountability Act of 2011. A bill to protect consumers by mitigating the vulnerability of personally identifiable information to theft through a security breach, providing notice and remedies to consumers in the wake of such a breach, holding companies accountable for preventable breaches, facilitating the sharing of post-breach technical information between companies, and enhancing criminal and civil penalties and other protections against the unauthorized collection or use of personally identifiable information. Issue: Privacy S. 3333: To require certain entities that collect and maintain personal information of individuals to secure such information and to provide notice to such individuals in the case of a breach of security involving such information, and for other purposes. Issue: Privacy

Client expense: $920,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4264, the FHA Emergency Fiscal Solvency Act of 2012 H.R. 5817, the Eliminate Privacy Notice Confusion Act (all provisions) H.R. 6397, the Defending American Taxpayers From Abusive Government Takings Act of 2012 Administrations Mortgage Refinance Proposal (all provisions, including large-bank tax proposal)

Client expense: $2,110,000 · Firm income: Not reported

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

Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. H.R. 890 / S. 466 Holocaust Insurance Accountability Act of 2011 A bill to allow for the enforcement of State disclosure laws and access to courts for covered Holocaust era insurance policy claims. Issue: Insurance regulation. S. 3414: The Cybersecurity Act of 2012. A bill to enhance the security and resiliency of the cyber and communications infrastructure of the United States. Issue: Cybersecurity and Privacy S. 2151. HR 4263: SECURE IT Act. Authorizes private entities to employ countermeasures and use cybersecurity systems to obtain, identify, or possess cyber threat information on its own networks or the networks of another entity with such entity's authorization. Allows private entities, nonfederal government agencies, or state, tribal, or local governments to voluntarily disclose cyber threat information to designated cybersecurity centers or to each other to assist with preventing, investigating, or mitigating threats to information security. Issue: Privacy/Cybersecurity S. 3333: Data Security and Breach Notification Act of 2012 To require certain entities that collects and maintains personal information of individuals to secure such information and to provide notice to such individuals in the case of a breach of security involving such information, and for other purposes. Issue: Privacy H.R. 2096: Cybersecurity Enhancement Act of 2011. Directs Federal agencies to develop a national Research and Development plan as well as advance cybersecurity technical standards in order to prevent devastating cyber-attacks on the nations networks. Issue: Privacy/Cybersecurity H.R. 3523: Cyber Intelligence Sharing and Protection Act of 2011. Requires the Director of National Intelligence to: (1) establish procedures to allow intelligence community elements to share cyber threat intelligence with private-sector entities, and (2) encourage the sharing of such intelligence. Issue: Privacy/Cybersecurity H.R. 3674: PRECISE Act of 2011. Issue: Privacy/Cybersecurity H.R. 5: the HEALTH Act of 2011. Issue: McCarran Ferguson HR 3730: Veterans Data Breach Timely Notification Act, To amend title 38, United States Code, to require the Secretary of Veterans Affairs to provide notice to individuals whose sensitive personal information is involved in a data breach, and for other purposes. Issue: Privacy and Data breech. HR 5948: Veterans Fiduciary Reform Act of 2012 To amend title 38, United States Code, to improve the supervision of fiduciaries of veterans under the laws administered by the Secretary of Veterans Affairs, to establish a Place of Remembrance at Arlington National Cemetery, and for other purposes. Issue: privacy and data breech. H.R. 5817: Eliminate Privacy Notice Confusion Act. To amend the Gramm-Leach-Bliley Act to provide an exception to the annual privacy notice requirement. Issue: Privacy Tracking: H.R. 1528: Consumer Privacy Protection Act of 2011. A bill to protect and enhance consumer privacy, and for other purposes. Issue: Privacy S. 1151: Personal Data Privacy and Security Act of 2011. A bill to prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information. Issue: Privacy S. 1152: Cybersecurity Enhancement Act of 2011. A bill to advance cybersecurity research, development, and technical standards, and for other purposes. Issue: Privacy H.R. 2577: SAFE Data Act. To protect consumers by requiring reasonable security policies and procedures to protect data containing personal information, and to provide for nationwide notice in the event of a security breach. Issue: Privacy S. 1152: Cybersecurity Enhancement Act of 2011. A bill to advance cybersecurity research, development, and technical standards, and for other purposes. Issue: Privacy S. 1207: Data Security and Breach Notification Act of 2011. A bill to protect consumers by requiring reasonable security policies and procedures to protect data containing personal information, and to provide for nationwide notice in the event of a security breach. Issue: Privacy S. 1408: Data Breach Notification Act of 2011. A bill to require any federal agency or business entity engaged in interstate commerce that uses, accesses, or collects sensitive personally identifiable information, following the discovery of a security breach, to notify: (1) any U.S. resident whose information may have been accessed or acquired, and (2) the owner or licensee of any such information that the agency or business does not own or license. Issue: Privacy S. 1535: Personal Data Protection and Breach Accountability Act of 2011. A bill to protect consumers by mitigating the vulnerability of personally identifiable information to theft through a security breach, providing notice and remedies to consumers in the wake of such a breach, holding companies accountable for preventable breaches, facilitating the sharing of post-breach technical information between companies, and enhancing criminal and civil penalties and other protections against the unauthorized collection or use of personally identifiable information. Issue: Privacy S. 3333: To require certain entities that collect and maintain personal information of individuals to secure such information and to provide notice to such individuals in the case of a breach of security involving such information, and for other purposes. Issue: Privacy

Client expense: $1,063,984 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 463, the Fannie Mae and Freddie Mac Transparency Act of 2011 H.R. 1182, the GSE Bailout Elimination and Taxpayer Protection ActH.R. 1221, the Equity in Government Compensation Act of 2011 (all provisions) H.R. 4264, the FHA Emergency Fiscal Solvency Act of 2012 H.R. 5817, the Eliminate Privacy Notice Confusion Act (all provisions) H.R. 6397, the Defending American Taxpayers From Abusive Government Takings Act of 2012 Administrations Mortgage Refinance Proposal (all provisions, including large-bank tax proposal)

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

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. 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: $20,000

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

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. 463, the Fannie Mae and Freddie Mac Transparency Act of 2011 H.R. 1182, the GSE Bailout Elimination and Taxpayer Protection Act H.R. 1221, the Equity in Government Compensation Act of 2011 (all provisions) H.R. 4264, the FHA Emergency Fiscal Solvency Act of 2012 H.R. 5817, the Eliminate Privacy Notice Confusion Act (all provisions) H.R. 6397, the Defending American Taxpayers From Abusive Government Takings Act of 2012 Administrations Mortgage Refinance Proposal (all provisions, including large-bank tax proposal)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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 Gamm-Leach Blaley 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 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

Client expense: $1,044,000 · 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, 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

H.R. 463, the Fannie Mae and Freddie Mac Transparency Act of 2011. H.R. 1182, the GSE Bailout Elimination and Taxpayer Protection Act. H.R. 1221, the Equity in Government Compensation Act of 2011 (all provisions). H.R. 4264, the FHA Emergency Fiscal Solvency Act of 2012. H.R. 5817, the Eliminate Privacy Notice Confusion Act (all provisions). Administrations Mortgage Refinance Proposal (all provisions, including large-bank tax proposal).

Client expense: $2,100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 463, the Fannie Mae and Freddie Mac Transparency Act of 2011. H.R. 1182, the GSE Bailout Elimination and Taxpayer Protection Act. H.R. 1221, the Equity in Government Compensation Act of 2011 (all provisions). H.R. 4264, the FHA Emergency Fiscal Solvency Act of 2012. H.R. 5817, the Eliminate Privacy Notice Confusion Act (all provisions). Administrations Mortgage Refinance Proposal (all provisions, including large-bank tax proposal).

Client expense: $2,100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 463, the Fannie Mae and Freddie Mac Transparency Act of 2011. H.R. 1182, the GSE Bailout Elimination and Taxpayer Protection Act. H.R. 1221, the Equity in Government Compensation Act of 2011 (all provisions). H.R. 4264, the FHA Emergency Fiscal Solvency Act of 2012. H.R. 5817, the Eliminate Privacy Notice Confusion Act (all provisions). Administrations Mortgage Refinance Proposal (all provisions, including large-bank tax proposal).

Client expense: $2,100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to HR 1206 - Access to Professional Health Insurance Advisors Act of 2011; HR 1309 - Flood Insurance Reform Act of 2011; HR 5817 - Eliminate Privacy Notice Confusion Act, and S 1940 - National Flood Insurance Act Amendment

Client expense: $200,000 · 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

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. 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: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4367 / S. 3204, 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. 2072, Export-Import Bank Reauthorization Act of 2012 (all provisions). H.R. 5817, Eliminate Privacy Notice Confusion Act (all provisions). H.R. 4624, Investment Advisor Oversight Act of 2012 (all provisions). H.R. 4014 / S. 2099, To amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection (all provisions). H.R. 3336, Small Business Credit Availability 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. 2827, To amend the Securities Exchange Act of 1934 to clarify provisions relating to the regulation of municipal advisors, and for other purposes (all provisions). S. 2223, to address the implementation of certain prohibitions under the Bank Holding Company Act of 1956, and for other purposes (all provisions). S. 509 / S. 2231 / H.R. 1418, Small Business Lending Enhancement Act of 2011 (all provisions). H.R. 5691, Overdraft Protection Act of 2012 (all provisions). Push out draft legislation discussions (no specific bill). Issues related to privacy and cyber security, as related to banking and financial services: H.R. 2096, Cybersecurity Enhancement Act of 2012 (all provisions). H.R. 4257, Federal Information Security Amendments Act of 2012 (all provisions). H.R. 3523, Cyber Intelligence Sharing and Protection Act (all provisions). Issues related to credit card interchange and debit card interchange (Senator Durbin amendment, electronic debit card transactions) (no specific bill). Issues related to bank and card fees (no specific bill). Issues related to mortgage lending, small business lending, student loan lending and auto lending (no specific bill). Issues related to Dodd-Frank Act regulatory implementation discussions on rule making and regulations covering Title VII implementation, derivatives, swap dealer definitions, eligible contract participants, insured depository institutions, exemptions, phase in and delays. Issues and general discussions related to administration's budget, refinance mortgage plan, Troubled Asset Relief Program (TARP), financial crisis responsibility fee/bank tax (no specific bill). Issues related to Dodd-Frank Act, small business loan data collection, Equal Credit Opportunity Act (ECOA) and Regulation B. H.R. 4173 (111th Congress, P.L. 111-203): Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act); regulatory implementation discussions covering rules and regulations, including discussions with the Consumer Financial Protection Bureau (for which there is no CFPB listing on Line 17 available), on structure, regulatory implementation, oversight, process, enforcement and compliant handling. General discussions covering the Dodd-Frank Act and provisions (Act repeal, amending and technical fixes), Volcker Rule, Financial Stability Oversight Council, systemically important financial institutions designations, prudential regulations, mortgage regulations (qualified mortgages, qualified residential mortgages), corporate governance, enhanced prudential standards (165/166), stress testing, capital planning, living will, readmittance, overdraft, pre-paid cards, examinations and other banking and financial services related provisions.

Client expense: $190,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Education, Dept of, 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, 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. 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. 4217, Mutual Community Bank Competitive Equality Act, 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 Gamm-Leach Blaley 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. 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. 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 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 H.R. 1207, Data Security and Breach Notification Act, all provisions H.R. 3336, the Small Business Credit Availability 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 S. 2105, Cybersecurity Act of 2012, all provisions S. 3085, the Responsible Homeowner Refinancing Act, all provisions S. 3204, related to ATM fee disclosure requirements, all provisions Issues related to the FDIC's Transaction Account Guarantee Program Issues related to the NCUSIF's Transaction Account Guarantee Program

Client expense: $1,171,000 · 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, 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

Consumer Financial Protection Bureau issues: larger participant supervision; and consumer complaint process issues FTC consumer complaint process and FTC India phantom debt collectors H.R. 5794 and H.R. 4101: FDCPA reform H.R. 5817: Gramm-Leach-Bliley Act reform

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE