Defending American Taxpayers From Abusive Government Takings Act of 2012

S. 782, Economic Development Revitalization Act of 2011. All Provisions. Amends the Public Works and Economic Development Act of 1965 to reauthorize that Act, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender or servicer of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. S. 489, Preserving Home and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, establishes a grant program for State and local government mediation programs, and other purposes. H.R. 1754, Preserving Equal Access to Mortgage Finance Programs Act. All Provisions. Permanently increases the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, to prevent foreclosure fraud, and for other purposes. H.R. 2126, Risk Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expand coverage to include commercial property insurance, and other purposes. H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions. Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. H.R. 839, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. H.R. 830, FHA Refinance Program Termination Act. All Provisions. Rescinds the unobligated funding for the FHA Refinance Program and terminates the program. H.R. 1224, GSE Portfolio Risk Reduction Act of 2011. All Provisions. Increases the rate of the required annual reductions of the reatined portfolios of Fannie Mae & Freddie Mac. H.R. 1221, Equity in Government Compensation Act of 2011. All Provisions. Suspends the current compensation packages for the senior executives of Fannie Mae & Freddie Mac and establishes compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 1222, GSE Subsidy Elimination Act of 2011. All Provisions. Increases the guarantee fees charged by Fannie Mae and Freddie Mac with respect to mortgage-backed securities guaranteed by such enterprises. H.R. 1226, GSE Improvement Act of 2011. All Provisions. Repeals the affordable housing goals for Fannie Mae and Freddie Mac. H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011. All Provisions. Requires the Inspector General of the Federal Housing Finance Agency to submit quarterly reports to the Congress during the conservatorship of the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. H.R. 1227, GSE Risk and Activities Limitation Act of 2011. All Provisions. Prohibits Fannie Mae and Freddie Mac from offering any new products during the term of any conservatorship or receivership of such enterprises H.R. 1225, GSE Debt Issuance Approval Act of 2011. Prohibits Fannie Mae and Freddie Mac from issuing any new debt without approval in advance by the Secretary of the Treasury. H.R. 1309, Flood Insurance Reform Act. All Provisions. Extends the authorization of the national flood insurance program, to achieve reforms to improve the financial integrity and stability of the program, and to increase the role of private markets in the management of flood insurance risk, and for other purposes. S. 489, Preserving Home and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, to establish a grant program for State and local government mediation programs, and for other purposes S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. S. 222, Limiting Investor and Homeowner Loss in Foreclosure Act of 2010. All Provisions. Limits investor and homeowner losses in foreclosures, and for other purposes. S. 527, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. HR 861, Neighborhood Stabilization Program Termination Act. Rescinds the third round of funding for the Neighborhood Stabilization Program and to terminate the program. S. 967, Regulation of Mortgage Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 4323, Consumer Mortgage Choice Act. A bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 5972, Department of Housing and Urban Development Appropriations Act, 2013. A bill making appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2013, and for other purposes. S.3085, Responsible Homeowners Refinancing Act of 2012. A bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. S. 3047, Expanding Refinancing Opportunities Act of 2012. A bill to encourage responsible homeowners to refinance mortgages, and for other purposes. H.R. 5973, Agriculture, Rural Development, Food and Drug Administration, and RElated Agencies Appropriations Act, 2013. A bill making appropriations for Agriculture, Rural Development, Food and Drug Administration, and Related Agencies programs for the fiscal year ending September 30, 2013, and for other purposes. H.R. 6397, Defending American Taxpayers from Abusive Government Takings Act of 2012. A bill to prohibit Fannie Mae and Freddie Mac from purchasing, the FHA from insuring, and the Department of Veterans Affairs from guaranteeing, making, or insuring, a mortgage that is secured by a residence or residential structure located in a county in which the State has used the power of eminent domain to take a residential mortgage. H.R. 4264, FHA Emergency Fiscal Solvency Act of 2012. A bill to help ensure the fiscal solvency of the FHA mortgage insurance programs of the Secretary of Housing and Urban Development, and for other purposes.

Client expense: $665,400 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of, White House Office

H.R. 87, To Repeal the Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 557, Consumer Financial Protection Oversight Act of 2011 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 H.R. 1610, Business Risk Mitigation and Price Stabilization Act of 2011 H.R. 1838, Swaps Bailout Prevention Act H.R. 1840, To improve consideration by the Commodity Futures Trading Commission of the costs and benefits of its regulations and orders H.R. 2308, SEC Regulatory Accountability Act H.R. 2586, Swap Execution Facility Clarification Act H.R. 2682, Business Risk Mitigation and Price Stabilization Act of 2012 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 H.R. 3336, Small Business Credit Availability Act H.R. 3527, Protecting Main Street End-Users From Excessive Regulation H.R. 3877 / S. 2083, 1099K Overreach Prevention Act H.R. 4014 / S. 2099, To amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection 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 H.R. 6397, Defending American Taxpayers From Abusive Government Takings Act of 2012 H.R. 6524, U.S. Financial Services Global Viability Act H.R. 6616, To protect securities transactions in the United States from enforcement of certain excise taxes imposed by any foreign government, and for other purposes S. 712, Financial Takeover Repeal Act of 2011 S. 746, Dodd-Frank Repeal Act of 2011 S. 947, A bill to provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934, and for other purposes S. 1615, Financial Regulatory Responsibility Act of 2011 S. 1650, Dodd-Frank Improvement Act of 2011 S. 2373, SEC Regulatory Accountability Act S. 3204, A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, and for other purposes S. 3394, A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, and for other purposes S. 3480, A bill to provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934 P.L. 112-216, To amend the Electronic Fund Transfer Act to limit the fee disclosure requirement for an automatic teller machine to the screen of that machine Various issues relating to implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203), including proposals to alter the derivatives provisions; the proposed Volcker Rule; potential money market mutual fund regulation; Commodity Futures Trading Commissions derivatives regulations; reconciliation of merchant card and third-party payments; transparent financial reporting; SEC Conflict Minerals Regulation; securities litigation and the Private Securities Litigation Reform Act (P.L. 104-67); the implementation of the Jumpstart Our Business Startups Act (P.L. 112-106)

H.R. 901, Chemical Facility Anti-Terrorism Security Authorization Act of 2011 H.R. 908, Full Implementation of the Chemical Facility Anti-Terrorism Standards Act, including Shimkus-Green amendment on background checks H.R. 2096, Cyber Security Enhancement Act of 2012 H.R. 3116, Department of Homeland Security Authorization Act for Fiscal Year 2012 H.R. 3416, Incorporation Transparency and Law Enforcement Assistance Act H.R. 3523, Cyber Intelligence Sharing and Protection Act of 2011 H.R. 3674, Promoting and Enhancing Cybersecurity and Information Sharing Effectiveness Act of 2011 (PrECISE) Act H.R. 3834, Advancing America's Networking and Information Technology Research and Development Act of 2012 H.R. 4257, Federal Information Security Amendments Act of 2012 H.R. 4263, SECURE IT Act of 2012 H.R. 5326 / S. 2323, Commerce, Justice, Science, and Related Agencies Appropriations Act, 2013, including provisions relating to funding for National Strategy for Trusted Identities in Cyberspace (NSTIC) H.R. 5855 / S. 3216, Department of Homeland Security Appropriations Act, 2013 and Chemical Facility Anti-Terrorism Standards H.R. 6397, Defending American Taxpayers From Abusive Government Takings Act of 2012 S. 21, Cyber Security and American Cyber Competitiveness Act of 2011 S. 413, Cyber Security and Internet Freedom Act of 2011 S. 473, Continuing Chemical Facilities Antiterrorism Security Act of 2011 S.1483, Incorporation Transparency and Law Enforcement Act S. 1546, Department of Homeland Security Authorization Act of 2011 S. 2102, Cybersecurity Information Sharing Act of 2012 S. 2105, Cybersecurity Act of 2012 S. 2151, SECURE IT Act of 2012 S. 3342, SECURE IT Act of 2012 (S. 2151 as reintroduced) S. 3414, Cybersecurity Act of 2012 S. 3468, Independent Agency Regulatory Analysis Act of 2012 House Judiciary Committee Cyber-Security Draft (no bill number) Cyber Espionage and Theft Prevention Act (draft bill) Department of Homeland Security public comment request on the CFATS Personnel Surety Program (see Apr. 13, 2010, Federal Register notice) Securities and Exchange Commission guidance regarding the disclosure of information security or cybersecurity risk (see October 13, 2011, SEC guidance) Department of Energys request for public comment on the Electricity Sector Cybersecurity Risk Management Process Guideline (see Sept. 16, 2011, Federal Register notice) Various issues relating to the White House cybersecurity legislative proposal; the administrations executive order related to Cybersecurity; recommendations of the House Republican Cybersecurity Task Force report

H.R. 373, Unfunded Mandates Information and Transparency Act of 2012 H.R. 931, To make participation in the American Community Survey voluntary, except with respect to certain basic questions H.R. 1840, Commodity Futures Trading Commission and cost-benefit analysis legislation H.R. 2308, SEC Regulatory Accountability Act H.R. 2898, Regulation Moratorium and Jobs Preservation Act of 2011 H.R. 3010 / S. 1606, Regulatory Accountability Act of 2011 H.R. 3596, United States Call Center Worker and Consumer Protection Act, including provisions relating to call center anti-offshore outsourcing H.R. 3634, Federal Prison Industries Competition in Contracting Act of 2011, including provisions relating to Federal Prison Industry reform H.R. 3862, Sunshine for Regulatory Decrees and Settlements Act H.R. 4078, Red Tape Reduction and Small Business Job Creation Act H.R. 4607, Midnight Rule Relief Act of 2012 H.R. 4377, Responsibly and Professionally Invigorating Development (RAPID) Act of 2012 H.R. 5326 / S. 2323, Commerce, Justice, Science, and Related Agencies Appropriations Act, 2013, including House Amendment #1076 to prohibit the use of funds by the Census Bureau for enforcement of a criminal penalty imposed upon those individuals who choose not to complete the American Community Survey and House Amendment #1077 to prohibit the use of funds to conduct the survey, conducted by the Secretary of Commerce, commonly referred to as the "American Community Survey" H.R. 6091, Department of the Interior, Environment, and Related Agencies Appropriations Act, 2013, including provisions relating to Buy America H.R. 6371, Streamlining Claims Processing for Federal Contractor Employees Act H.R. 6397, Defending American Taxpayers From Abusive Government Takings Act of 2012 H.R. 6684, Spending Reduction Act of 2012 S. 365, Budget Control Act of 2011, including provisions relating to sequestration S. 1536, NOTICE Act of 2011, including provisions relating to call center anti-offshore outsourcing S. 1606, Regulatory Accountability Act of 2011, including provisions relating to agency errors in economic analyses under executive orders S. 2169, Federal Prisons Accountability Act of 2012: Federal Prison Industry reform S. 3079, A bill to make participation in the American Community Survey voluntary, except with respect to certain basic questions, and for other purposes H.RES. 841, Providing for consideration of the Senate amendment to the joint resolution (H.J. Res. 66) approving the renewal of import restrictions contained in the Burmese Freedom and Democracy Act of 2003, and providing for consideration of the bill (H.R. 6684) to provide for spending reduction H.J. RES. 66, Approving the renewal of import restrictions contained in the Burmese Freedom and Democracy Act of 2003 Federal Information Technology Acquisition Reform Act (draft bill-no number), provisions related to IT procurement policy Various issues relating to U.S. Environmental Protection Agency Audit and Self-Disclosure Program; regulatory reform generally, including issues such as the employment effect of regulation; permit streamlining; sequestration and government contracting; Administrative Procedure Act and policies/procedures for Federal rulemaking, enforcement and review - agency errors in economic analyses under executive orders; need for transparency and replicability of economic cost/benefit analysis; need for reliable data sources to estimate regulatory costs and benefits; need for agencies to consider impacts on labor markets, job displacement, local economic development, and health effects of regulatory actions; need for ex-post data collection and analysis of regulatory impacts and effectiveness; regulations and data collection activities of U.S. Customs and Border Protection regarding cargo movement; Executive Order 12688, estimating direct and indirect employment impacts of regulations;sue & settle; statistical programs

H.R. 940 - United States Covered Bond Act of 2011; entire bill H.R. 2577 - SAFE Data Act; provisions applicable to financial institutions 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; provisions relating to broker dealers H.R. 3523 - Cyber Intelligence Sharing and Protection Act of 2011; entire bill H.R. 4624 - Investment Adviser Oversight Act of 2012; entire bill H.R. 6204 - Investment Adviser Examination Improvement Act of 2012; entire bill H.R. 6397 - Defending American Taxpayers From Abusive Government Takings Act of 2012; entire bill H.R. 6423 - Insurance Consumer Protection and Solvency Act of 2012; entire bill S. 1151 Personal Data Privacy and Security Act of 2011; provisions applicable to financial institutions S. 1207 Data Security and Breach Notification Act of 2011; provisions applicable to financial institutions S. 1434 Data Security Act of 2011; provisions applicable to financial institutions S. 1606 Regulatory Accountability Act of 2011; entire bill S. 1615 Financial Regulatory Responsibility Act of 2011; entire bill S. 3620 - A bill to amend the Securities Exchange Act of 1934 to clarify provisions relating to the regulation of municipal advisors; entire bill Impact of the Volcker Rule on market liquidity and international competitiveness of U.S.-owned asset managers Implementation of Sections 913/914 of Dodd-Frank Wall Street Reform and Consumer Protection Act and its inter-relationship with the DoL ERISA fiduciary definition proposal Impact of DFA and mortgage settlement initiatives on investors/creditors interests Congressional inquiry on corporate cybersecurity practices.

Client expense: $380,000 · Firm income: Not reported

See attachment. FIN 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. 2309: The Postal Reform Act of 2011 Issue: USPS sale of financial products. 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. Issue: Investment Adviser Regulations H.R. 4624: To amend the Investment Advisers Act of 1940 to provide for the registration and oversight of national investment adviser associations. Issue: Investment Adviser Regulations HAMDT 1074 to H.R. 5326: An amendment to prohibit the use of funds to be used by the Department of Justice to be a party to a single or multi-state court settlement where funds are removed from any residential mortgage-backed securitization trust. Issue: Investor Protection H.R. 6020: Financial Services & General Government Appropriations bill for Fiscal Year 2013. Issue: Agency Funding S. 1789: The 21st Century Postal Service Act of 2012. Issue: USPS sale of financial services products S. 3301: Financial Services & General Government Appropriations bill for Fiscal Year 2013. Issue: Agency Funding Tracking: H.R. 757: To amend the Securities Investor Protection Act of 1970 to confirm that a customer's net equity claim is based on the customer's last statement and that certain recoveries are prohibited, to change how trustees are appointed, and for other purposes. Issue: Implementation and Regulatory Reform 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. A bill that amends the Wall Street Transparency and Accountability Act of 2010 (the Act), title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, to revise the effective dates for the Act and for regulations promulgated under it. Issue: Dodd-Frank/Derivatives H.R. 1610: The Business Risk Mitigation and Price Stabilization Act of 2011. A bill to amend the definitions major swap participant and major security-based swap participant in the Commodity Exchange Act and the Securities Exchange Act of 1934, respectively. Issue: Dodd-Frank/Derivatives H.R. 3559: Insurance Data Protection Act. A bill to prohibit the Federal Insurance Office of the Department of the Treasury and other financial regulators from collecting data directly from an insurance company. Issue: Dodd-Frank Implementation H.R. 6397: Defending American Taxpayers from Abusive Government Takings Act of 2012. Issue: Investor Protection S. 947: A bill to provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934, and for other purposes. Issue: Dodd-Frank/Derivatives S. 1615: A bill to require enhanced economic analysis and justification of regulations proposed by certain Federal banking, housing, securities, and commodity regulators, and for other purposes. Issue: Dodd-Frank/Regulator Reform

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.

Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. H.R. 2309: The Postal Reform Act of 2011 Issue: USPS sale of financial products. S.1789: The 21st Century Postal Service Act of 2012. Issue: USPS sale of financial services products H.R. 1905: Iran Threat Reduction Act of 2011. A bill to compel Iran to abandon its pursuit of nuclear weapons. Issue: Investment Restrictions S. 2101: Iran Sanctions, Accountability, and Human Rights Act of 2012. A bill to urge the President to initiate diplomatic efforts to expand the multilateral sanctions regime regarding Iran. Issue: Investment Restrictions HR 4624: To amend the Investment Advisers Act of 1940 to provide for the registration and oversight of national investment adviser associations. Issue: Investment Adviser Regulations HR 2827: To amend the Securities Exchange Act of 1934 to clarify provisions relating to the regulation of municipal advisors, and for other purposes. Issue: Investment Adviser Regulations HAMDT 1074 to HR 5326: An amendment to prohibit the use of funds to be used by the Department of Justice to be a party to a single or multi-state court settlement where funds are removed from any residential mortgage-backed securitization trust. Issue: Investor Protection H.R. 6020: Financial Services & General Government Appropriations bill for Fiscal Year 2013. Issue: Agency Funding S. 3301: Financial Services & General Government Appropriations bill for Fiscal Year 2013. Issue: Agency Funding Tracking: H.R. 1610: The Business Risk Mitigation and Price Stabilization Act of 2011. A bill to amend the definitions major swap participant and major security-based swap participant in the Commodity Exchange Act and the Securities Exchange Act of 1934, respectively. Issue: Dodd-Frank/Derivatives S. 947: A bill to provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934, and for other purposes. Issue: Dodd-Frank/Derivatives 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. A bill that amends the Wall Street Transparency and Accountability Act of 2010 (the Act), title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, to revise the effective dates for the Act and for regulations promulgated under it. Issue: Dodd-Frank/Derivatives S. 1615: A bill to require enhanced economic analysis and justification of regulations proposed by certain Federal banking, housing, securities, and commodity regulators, and for other purposes. Issue: Dodd-Frank/Regulator Reform. H.R. 3559: Insurance Data Protection Act. A bill to prohibit the Federal Insurance Office of the Department of the Treasury and other financial regulators from collecting data directly from an insurance company. Issue: Dodd-Frank Implementation HR 757: To amend the Securities Investor Protection Act of 1970 to confirm that a customer's net equity claim is based on the customer's last statement and that certain recoveries are prohibited, to change how trustees are appointed, and for other purposes. Issue: Implementation and Regulatory Reform HR 6397: Defending American Taxpayers from Abusive Government Takings Act of 2012. Issue: Investor Protection

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

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

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

H.R. 363 (Housing Opportunity and Mortgage Equity Act of 2011); H.R. 344 (Fiscal Responsibility Effective Enforcement Act of 2011); H.R. 463 (Fannie Mae and Freddie Mac Transparency Act of 2011); H.R. 653 (Financial Information Privacy Act of 2011); H.R. 757 (Equitable Treatment of Investors Act); H.R. 836 (Emergency Mortgage Relief Program Termination Act); H.R. 1053 (stock quote decimalization); H.R. 1062 (Burdensome Data Collection Relief Act); H.R. 1070 (Small Company Capital Formation Act of 2011); H.R. 1082 (Small Business Capital Access and Job Preservation Act); H.R. 1112 (National Association of Registered Agents and Brokers Reform Act of 2011); H.R. 1151 (Emergency Mortgage Relief and Neighborhood Stabilization Programs Cost Recoupment Act of 2011); H.R. 1341 (A bill to provide a point of order against consideration of any measure that would increase the statutory limit on the public debt above $14.294 trillion unless that measure has been publicly available for a full 7 calendar days before consideration on the floor of the Senate); H.R. 1438 (Regulation Moratorium and Jobs Preservation Act of 2011); H.R. 1532 (A bill to amend the Budget Control Act of 2011 to require the joint select committee of Congress to report findings and propose legislation to restore the Nation's workforce to full employment over the period of fiscal years 2012 and 2013); H.R. 1535 (Personal Data Protection and Breach Accountability Act of 2011); H.R. 1539 (Asset-Backed Market Stabilization Act of 2011); H.R. 1544 (Small Company Capital Formation Act of 2011); H.R. 1550 (National Infrastructure Bank Act of 2011); 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); H.R. 1610 (Business Risk Mitigation and Price Stabilization Act of 2011); 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); H.R. 1840 (To improve consideration by the Commodity Futures Trading Commission of the costs and benefits of its regulations and orders); H.R. 1965 (To amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes.); H.R. 2167 (Private Company Flexibility Act); H.R. 2308 (SEC Regulatory Accountability Act); H.R. 2313 (To repeal the authority to provide certain loans to the International Monetary Fund, the increase in the United States quota to the Fund, and certain other related authorities, to rescind related appropriated amounts, and for other purposes); H.R. 2413 (Secondary Market Facility for Residential Mortgages Act of 2011); H.R. 2483 (Whistleblower Improvement Act); H.R. 2517 (Shareholder Protection Act of 2011); H.R. 2586 (Swap Execution Facility Clarification Act); H.R. 2603 (Maintaining Agency Direction on Financial Fraud Act); H.R. 2612 (To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal the authority of the Bureau of Consumer Financial Protection to prohibit certain acts or practices); H.R. 2651 (To require that the United States Government prioritize all obligations on the debt held by the public, Social Security benefits, and military pay in the event that the debt limit is reached, and for other purposes); H.R. 2682 (Business Risk Mitigation and Price Stabilization Act); 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); H.R. 2827 (To amend the Securities Exchange Act of 1934 to clarify provisions relating to the regulation of municipal advisors, and for other purposes); H.R. 2855 (Emergency Jobs Now Act); H.R. 2930 (Entrepreneur Access to Capital Act); H.R. 2931 (Full Faith and Credit Act); H.R. 2940 (Access to Capital for Job Creators Act); H.R. 2964 (Unfunded Mandates Accountability Act); H.R. 3010 (Regulatory Accountability Act of 2011); H.R. 3078 (United States-Colombia Trade Promotion Agreement Implementation Act); H.R. 3079 (United States-Panama Trade Promotion Agreement Implementation Act); H.R. 3080 (United States-Korea Free Trade Agreement Implementation Act); H.R. 3084 (Mortgage Credit Availability Act of 2011); H.R. 3128 (To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to adjust the date on which consolidated assets are determined for purposes of exempting certain instruments of exempting smaller institutions from capital deductions); H.R. 3213 (Small Company Job Growth and Regulatory Relief Act of 2011); H.R. 3283 (Swap Jurisdiction Certainty Act); H.R. 3313 (Wall Street Trading and Speculators Tax Act); H.R. 3318 (Growing Jobs Through Capital Act of 2011); H.R. 3336 (Small Business Credit Availability Act); H.R. 3527 (Protecting Main Street End-Users From Excessive Regulation); H.R. 3530 (Freddie Mac Debt Reduction Act of 2011); H.R. 3606 (Reopening American Capital Markets to Emerging Growth Companies Act of 2011); H.R. 3635 (Investing in America's Small Businesses Act of 2011); H.R. 3644 (Private Mortgage Market Investment Act); H.R. 3655 (Small Business Access to Capital Act of 2011); H.R. 3665 (Wall Street Accountability through Sustainable Funding Act); H.R. 3733 (Affordable Mortgage for Homeowners Act of 2011); H.R. 3871 (Proprietary Information Protection Act of 2012); H.R. 4088 (Capital Expansion Act); 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.); H.R. 4624 (Investment Advisor Oversight Act of 2012); H.R. 6397 (Defending American Taxpayers from Abusive Government Takings Act of 2012); H. Amdt. 465 (Amendment prohibits the use of funds by the CFTC to promulgate any final rules under the Commodity Exchange Act as added by the Dodd-Frank Act until 12 months after the promulgation of final swap transaction reporting rules under the Commodity Exchange Act.); S. 23 (Patent Reform Act of 2011); S. 556 (A bill to amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes); S. 1276 (To repeal the authority to provide certain loans to the International Monetary Fund, the increase in the United States quota to the Fund, and certain other related authorities, to rescind related appropriated amounts, and for other purposes); S. 1544 (Small Company Capital Formation Act of 2011); S. 1619 (The Currency Exchange Act); S. 1641 (A Bill to Implement the U.S.-Colombia Trade Promotion Agreement); S. 1642 (A Bill to Implement the U.S.-Korea Trade Promotion Agreement); S. 1643 (A Bill to Implement the U.S.-Panama Trade Promotion Agreement); S. 1650 (Dodd-Frank Improvement Act of 2011); S. 1787 (Wall Street Trading and Speculators Tax Act); S. 1791 (Democratizing Access to Capital Act of 2011); S. 1824 (Private Company Flexibility and Growth Act); S. 1831 (Access to Capital for Job Creators Act); S. 1835 (United States Covered Bond Act); S. 1907 (PCAOB Enforcement Transparency Act of 2011); S. 1933 (Reopening American Capital Markets to Emerging Growth Companies Act of 2011); S. 1941 (To amend the securities laws to establish certain thresholds for shareholder registration, and for other purposes); S. 1962 (Startup Expansion and Investment Act); S. 1963 (Mortgage Finance Act of 2011); S. 1970 (CROWDFUND Act); S. 1975 (No More IMF Bailouts Act); S. 1997 (FHA Bailout Protection Act of 2011); S. 2033 (Closing the Derivatives Blended Rate Loophole Act); S. 2038 (STOCK Act); S. 2055 (A bill to amend the Federal Deposit Insurance Act with respect to the protection of certain information.); S. 2102 (Cybersecurity Information Sharing Act of 2012); S. 2105 (Cybersecurity Act of 2012); S. 3414 (A bill to enhance the security and resiliency of the cyber and communications infrastructure of the United States.); S. 3620 (A bill to amend the Securities Exchange Act of 1934 to clarify provisions relating to the regulation of municipal advisors, and for other purposes.); S. Amdt. 1818 to S. 1813 (offshore tax havens); SR-NASDAQ-2012-005 (Notice of Filing and Immediate Effectiveness of Proposed Rule Change to Establish an Enhanced Display Distributor Fee); SR-NASDAQ-2012-042 (Notice of Filing and Immediate Effectiveness of Proposed Rule Change to Re-organize NASDAQ's Rules Governing the Fees Applicable to NASDAQ's Depth-of-Book Market Data); SR-NASDAQ-2012-044 (Notice of Filing and Immediate Effectiveness of Proposed Rule Change to Modify the Fees Applicable to Non-Display Usage of Certain NASDAQ Depth-of-Book Market Data); SR-NYSEArca-2011-96 (Notice of Filing and Immediate Effectiveness of Proposed Rule Change To Establish Fees for the NYSE Arca Integrated Data Feed); FINRA Rule 4560 (short interest reporting); EU data protection rules; Swap dealer and major swap participant recordkeeping and reporting, duties, and conflicts of interest policies and procedures; Futures Commission Merchant and Introducing Broker Conflicts of Interest Policies and Procedures; Swap dealer, major swap participant, and futures commission merchant chief compliance officer; Recordkeeping under Exchange Act Rule 17a-4(b)(4); Dodd-Frank Wall Street Reform and Consumer Protection Act Implementation (Section 913; Section 914; Systemic risk regulation and liquidation authority; Section 342 (Office of Minority and Women Inclusion); Section 621; Section 941); Systemic Risk Regulation and liquidation authority; Governmental Accounting Standards Board (GASB) Funding (Regulatory Capital Requirements, systemic risk regulation and liquidation authority); Resolution Authority for Systemically Significant Financial Companies Act of 2009; China - strategic and economic dialogue; Market Structure Issues (dark pools, flash quotes, high frequency trading); Transatlantic Economic Council (Trade Issues); Preservation of independent contractor status for financial services sector; Asian Pacific Economic Council Privacy Issues; Bilateral Investment Treaties, India; Eminent domain; Russia Permanent Normal Trade Relations; Transpacific Partnership; U.S./EU cross-border regulatory issues; India Market Access Issues, Response to Royal Bank of India discussion; European Union proposal regarding Credit Default Swaps and Credit Rating Agencies and their impact on US Markets; EU Alternative Investment Fund Managers Proposal (AIFM); Basel Capital Rules; G-20; Amendments to the 2012 Indian Finance Bill; Regulatory Capital Requirements; Single Platform/Government Sponsored Enterprises; SEC Regulation AB2; Trust Indenture Act; Accounting standards for municipalities; Securities Investor Protection Corporation (SIPC) reform and funding fees; Financial Stability Board Outreach; Establishment of the Office of Financial Research; Bankruptcy reform for municipalities; Financial Stability Oversight Council (FSOC); Support of financial literacy; Privacy and cyber security issues; Self-Regulatory Organizations (SRO) rulemaking; Municipal advisor regulation; Tax-exemption for municipal bonds; Cross-border guidance; CFTC exemptive order on extraterritorial scope of Title VII; Tri-party repo; Computerized trading; Market Data Exchange Act Section 19 (and related rules).

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

S. 782, Economic Development Revitalization Act of 2011. All Provisions. Amends the Public Works and Economic Development Act of 1965 to reauthorize that Act, and for other purposes. H.R. 1498, Prompt Decision for Qualification of Short Sale Act of 2011. All Provisions. Requires the lender or servicer of a home mortgage, upon a request by the homeowner for a short sale, to make a prompt decision whether to allow the sale. S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. S. 489, Preserving Home and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, establishes a grant program for State and local government mediation programs, and other purposes. H.R. 1754, Preserving Equal Access to Mortgage Finance Programs Act. All Provisions. Permanently increases the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R. 1783, Foreclosure Fraud and Homeowner Abuse Prevention Act of 2011. All Provisions. Provides for enhanced mortgage-backed and asset-backed security investor protections, to prevent foreclosure fraud, and for other purposes. H.R. 2126, Risk Retention Modernization Act of 2011. All Provisions. Modernizes the Liability Risk Retention Act of 1986 and expand coverage to include commercial property insurance, and other purposes. H.R. 1223, GSE Credit Risk Equitable Treatment Act of 2011. All Provisions. Amends the Securities Exchange Act of 1934 to ensure mortgages held or securitized by Fannie Mae and Freddie Mac and asset-backed securities issued by such enterprises are treated similarly as other mortgages and asset-backed securities for purposes of the credit risk retention requirements under such Act. H.R. 839, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. H.R. 830, FHA Refinance Program Termination Act. All Provisions. Rescinds the unobligated funding for the FHA Refinance Program and terminates the program. H.R. 1224, GSE Portfolio Risk Reduction Act of 2011. All Provisions. Increases the rate of the required annual reductions of the reatined portfolios of Fannie Mae & Freddie Mac. H.R. 1221, Equity in Government Compensation Act of 2011. All Provisions. Suspends the current compensation packages for the senior executives of Fannie Mae & Freddie Mac and establishes compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 1222, GSE Subsidy Elimination Act of 2011. All Provisions. Increases the guarantee fees charged by Fannie Mae and Freddie Mac with respect to mortgage-backed securities guaranteed by such enterprises. H.R. 1226, GSE Improvement Act of 2011. All Provisions. Repeals the affordable housing goals for Fannie Mae and Freddie Mac. H.R. 31, Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act of 2011. All Provisions. Requires the Inspector General of the Federal Housing Finance Agency to submit quarterly reports to the Congress during the conservatorship of the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. H.R. 1227, GSE Risk and Activities Limitation Act of 2011. All Provisions. Prohibits Fannie Mae and Freddie Mac from offering any new products during the term of any conservatorship or receivership of such enterprises H.R. 1225, GSE Debt Issuance Approval Act of 2011. Prohibits Fannie Mae and Freddie Mac from issuing any new debt without approval in advance by the Secretary of the Treasury. H.R. 1309, Flood Insurance Reform Act. All Provisions. Extends the authorization of the national flood insurance program, to achieve reforms to improve the financial integrity and stability of the program, and to increase the role of private markets in the management of flood insurance risk, and for other purposes. S. 489, Preserving Home and Communities Act of 2011. All Provisions. Requires certain mortgagees to evaluate loans for modifications, to establish a grant program for State and local government mediation programs, and for other purposes S. 170, The Helping Responsible Homeowners Act. All Provisions. Provides for the affordable refinancing of mortgages held by Fannie Mae and Freddie Mac. S. 222, Limiting Investor and Homeowner Loss in Foreclosure Act of 2010. All Provisions. Limits investor and homeowner losses in foreclosures, and for other purposes. S. 527, HAMP Termination Act of 2011. All Provisions. Amends the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. HR 861, Neighborhood Stabilization Program Termination Act. Rescinds the third round of funding for the Neighborhood Stabilization Program and to terminate the program. S. 967, Regulation of Mortgage Servicing Act of 2011. All Provisions. Establishes clear regulatory standards for mortgage servicers, and for other purposes. H.R. 4323, Consumer Mortgage Choice Act. A bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 5972, Department of Housing and Urban Development Appropriations Act, 2013. A bill making appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2013, and for other purposes. S.3085, Responsible Homeowners Refinancing Act of 2012. A bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. S. 3047, Expanding Refinancing Opportunities Act of 2012. A bill to encourage responsible homeowners to refinance mortgages, and for other purposes. H.R. 5973, Agriculture, Rural Development, Food and Drug Administration, and RElated Agencies Appropriations Act, 2013. A bill making appropriations for Agriculture, Rural Development, Food and Drug Administration, and Related Agencies programs for the fiscal year ending September 30, 2013, and for other purposes. H.R. 6397, Defending American Taxpayers from Abusive Government Takings Act of 2012. A bill to prohibit Fannie Mae and Freddie Mac from purchasing, the FHA from insuring, and the Department of Veterans Affairs from guaranteeing, making, or insuring, a mortgage that is secured by a residence or residential structure located in a county in which the State has used the power of eminent domain to take a residential mortgage. H.R. 4264, FHA Emergency Fiscal Solvency Act of 2012. A bill to help ensure the fiscal solvency of the FHA mortgage insurance programs of the Secretary of Housing and Urban Development, and for other purposes.

H.R. 940 - United States Covered Bond Act of 2011; entire bill H.R. 2577 - SAFE Data Act; provisions applicable to financial institutions 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; provisions relating to broker dealers H.R. 3523 - Cyber Intelligence Sharing and Protection Act of 2011; entire bill H.R. 4624 - Investment Adviser Oversight Act of 2012; entire bill H.R. 6204 - Investment Adviser Examination Improvement Act of 2012; entire bill H.R. 6397 - Defending American Taxpayers From Abusive Government Takings Act of 2012; entire bill H.R. 6423 - Insurance Consumer Protection and Solvency Act of 2012; entire bill S. 1151 Personal Data Privacy and Security Act of 2011; provisions applicable to financial institutions S. 1207 Data Security and Breach Notification Act of 2011; provisions applicable to financial institutions S. 1434 Data Security Act of 2011; provisions applicable to financial institutions S. 1606 Regulatory Accountability Act of 2011; entire bill S. 1615 Financial Regulatory Responsibility Act of 2011; entire bill S. 2223 - A bill to address the implementation of certain prohibitions under the Bank Holding Company Act of 1956, and for other purposes; entire bill S. 3620 - A bill to amend the Securities Exchange Act of 1934 to clarify provisions relating to the regulation of municipal advisors; entire bill Impact of the Volcker Rule on market liquidity and international competitiveness of U.S.-owned asset managers Implementation of Sections 913/914 of Dodd-Frank Wall Street Reform and Consumer Protection Act and its inter-relationship with the DoL ERISA fiduciary definition proposal Impact of DFA and mortgage settlement initiatives on investors/creditors interests

See attachments. FIN Third 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. 2309: The Postal Reform Act of 2011 Issue: USPS sale of financial products. 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. Issue: Investment Adviser Regulations H.R. 4624: To amend the Investment Advisers Act of 1940 to provide for the registration and oversight of national investment adviser associations. Issue: Investment Adviser Regulations HAMDT 1074 to H.R. 5326: An amendment to prohibit the use of funds to be used by the Department of Justice to be a party to a single or multi-state court settlement where funds are removed from any residential mortgage-backed securitization trust. Issue: Investor Protection H.R. 6020: Financial Services & General Government Appropriations bill for Fiscal Year 2013. Issue: Agency Funding S.1789: The 21st Century Postal Service Act of 2012. Issue: USPS sale of financial services products S. 3301: Financial Services & General Government Appropriations bill for Fiscal Year 2013. Issue: Agency Funding Tracking: H.R. 757: To amend the Securities Investor Protection Act of 1970 to confirm that a customer's net equity claim is based on the customer's last statement and that certain recoveries are prohibited, to change how trustees are appointed, and for other purposes. Issue: Implementation and Regulatory Reform 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. A bill that amends the Wall Street Transparency and Accountability Act of 2010 (the Act), title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, to revise the effective dates for the Act and for regulations promulgated under it. Issue: Dodd-Frank/Derivatives H.R. 1610: The Business Risk Mitigation and Price Stabilization Act of 2011. A bill to amend the definitions major swap participant and major security-based swap participant in the Commodity Exchange Act and the Securities Exchange Act of 1934, respectively. Issue: Dodd-Frank/Derivatives H.R. 3559: Insurance Data Protection Act. A bill to prohibit the Federal Insurance Office of the Department of the Treasury and other financial regulators from collecting data directly from an insurance company. Issue: Dodd-Frank Implementation H.R. 6397: Defending American Taxpayers from Abusive Government Takings Act of 2012. Issue: Investor Protection S. 947: A bill to provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934, and for other purposes. Issue: Dodd-Frank/Derivatives S. 1615: A bill to require enhanced economic analysis and justification of regulations proposed by certain Federal banking, housing, securities, and commodity regulators, and for other purposes. Issue: Dodd-Frank/Regulator Reform

S. 3394, A bill to address fee disclosure requirements under the Electronic Fund Transfer Act, to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection, and for other purposes (all provisions). S. 2030, Prepaid Card Consumer Protection Act of 2011 (all provisions). 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. 3461 / S. 2160, Financial Institutions Examination Fairness and Reform Act (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. 3085, Responsible Homeowner Refinancing Act of 2012 (all provisions). S. 3468, Independent Agency Regulatory Analysis Act of 2012 (all provisions). S. 3047, Expanding Refinancing Opportunities Act of 2012 (all provisions). S. 2909 / S. 3520 / H.R. 6467, Rebuilding Equity Act of 2012 (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. 2682, Business Risk Mitigation and Price Stabilization Act of 2012 (all provisions). H.R. 3336, Small Business Credit Availability Act (all provisions). 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). S. 2151 / H.R. 4263, Strengthening and Enhancing Cybersecurity by Using Research, Education, Information, and Technology Act (SECURE IT) (all provisions). Issues related to cybersecurity (no specific bill). S. 3452, Protecting Consumers from Unreasonable Credit Rates Act of 2012 (all provisions). S. 853, Financial Literacy for Students Act of 2011 (all provisions). H.R. 6397, Defending American Taxpayers from Abusive Government Takings Act of 2012 (all provisions). Issues related to eminent domain and purchasing, and seizing, mortgages (no specific bill). Issues related to lending, mortgage lending, qualified mortgages, qualified residential mortgages, Regulation Z and 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 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 (no specific bill). Issues and general discussions related to administration's budget, refinance mortgage plan, Troubled Asset Relief Program (TARP), and 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 (no specific bill). Issues related to Transaction Account Guarantee (TAG) expiration (no specific bill). Issues related to the Volcker Rule, liquidity management, liability management, hedging and LIBOR; rule making and regulatory implementation (no specific bill). Dodd-Frank Act issues related to consumer protections, consumer and agency ratings, and compliance matters (no specific bill). Issues related to Basel III and capital standards; rules and regulatory implementation (no specific bill). Issues related to Comprehensive Capital Analysis and Review (CCAR), Adjusted Other Comprehensive Income (AOCI), regulatory streamlining, Unfair, Deceptive or Abusive Acts or Practices (UDAAP), interest rates; regulatory and policy discussions (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, remittances, overdraft, pre-paid cards, examinations and other banking and financial services related provisions.

Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. H.R. 2309: "The Postal Reform Act of 2011" Issue: USPS sale of financial products. S.1789: The 21st Century Postal Service Act of 2012. Issue: USPS sale of financial services products H.R. 1905: Iran Threat Reduction Act of 2011. A bill to compel Iran to abandon its pursuit of nuclear weapons. Issue: Investment Restrictions S. 2101: Iran Sanctions, Accountability, and Human Rights Act of 2012. A bill to urge the President to initiate diplomatic efforts to expand the multilateral sanctions regime regarding Iran. Issue: Investment Restrictions HR 4624: To amend the Investment Advisers Act of 1940 to provide for the registration and oversight of national investment adviser associations. Issue: Investment Adviser Regulations HR 2827: To amend the Securities Exchange Act of 1934 to clarify provisions relating to the regulation of municipal advisors, and for other purposes. Issue: Investment Adviser Regulations HAMDT 1074 to HR 5326: An amendment to prohibit the use of funds to be used by the Department of Justice to be a party to a single or multi-state court settlement where funds are removed from any residential mortgage-backed securitization trust. Issue: Investor Protection H.R. 6020: Financial Services & General Government Appropriations bill for Fiscal Year 2013. Issue: Agency Funding S. 3301: Financial Services & General Government Appropriations bill for Fiscal Year 2013. Issue: Agency Funding Tracking: H.R. 1610: The Business Risk Mitigation and Price Stabilization Act of 2011. A bill to amend the definitions major swap participant and major security-based swap participant in the Commodity Exchange Act and the Securities Exchange Act of 1934, respectively. Issue: Dodd-Frank/Derivatives S. 947: A bill to provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934, and for other purposes. Issue: Dodd-Frank/Derivatives 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. A bill that amends the Wall Street Transparency and Accountability Act of 2010 (the Act), title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, to revise the effective dates for the Act and for regulations promulgated under it. Issue: Dodd-Frank/Derivatives S. 1615: A bill to require enhanced economic analysis and justification of regulations proposed by certain Federal banking, housing, securities, and commodity regulators, and for other purposes. Issue: Dodd-Frank/Regulator Reform H.R. 3559: Insurance Data Protection Act. A bill to prohibit the Federal Insurance Office of the Department of the Treasury and other financial regulators from collecting data directly from an insurance company. Issue: Dodd-Frank Implementation HR 757: To amend the Securities Investor Protection Act of 1970 to confirm that a customer's net equity claim is based on the customer's last statement and that certain recoveries are prohibited, to change how trustees are appointed, and for other purposes. Issue: Implementation and Regulatory Reform HR 6397: Defending American Taxpayers from Abusive Government Takings Act of 2012. Issue: Investor Protection