Fairness for Military Homeowners Act of 2013

Take position in support of: HJRES78-113 HJRES88-113 HJRES91-113 HR1014-113 HR1132-113 HR1134-113 HR1171-113 HR1223-113 HR1236-113 HR1238-113 HR1251-113 HR1284-113 HR1305-113 HR1316-113 HR1333-113 HR1344-113 HR1357-113 HR1402-113 HR1405-113 HR1412-113 HR1438-113 HR1443-113 HR1453-113 HR1463-113 HR1464-113 HR1490-113 HR1497-113 HR1521-113 HR152-113 HR153-113 HR154-113 HR1593-113 HR1620-113 HR1623-113 HR1631-113 HR164-113 HR1702-113 HR1725-113 HR1729-113 HR1742-113 HR1759-113 HR1770-113 HR1774-113 HR179-113 HR1792-113 HR1796-113 HR1804-113 HR1805-113 HR1809-113 HR1824-113 HR183-113 HR1842-113 HR1864-113 HR1938-113 HR1957-113 HR1980-113 HR1987-113 HR2001-113 HR2002-113 HR2011-113 HR2016-113 HR2038-113 HR2039-113 HR2055-113 HR2056-113 HR2059-113 HR2065-113 HR2072-113 HR2079-113 HR2086-113 HR2088-113 HR2118-113 HR2119-113 HR2150-113 HR2151-113 HR2153-113 HR2157-113 HR2169-113 HR2185-113 HR2187-113 HR2189-113 HR2209-113 HR2210-113 HR2216-113 HR2227-113 HR2230-113 HR2272-113 HR2284-113 HR2327-113 HR235-113 HR241-113 HR2423-113 HR2481-113 HR2485-113 HR2510-113 HR2527-113 HR2528-113 HR2540-113 HR258-113 HR274-113 HR288-113 HR2882-113 HR2942-113 HR2974-113 HR303-113 HR3045-113 HR3056-113 HR3210-113 HR32-113 HR3230-113 HR3232-113 HR3237-113 HR3241-113 HR3246-113 HR3274-113 HR331-113 HR333-113 HR3337-113 HR3384-113 HR3387-113 HR340-113 HR3456-113 HR357-113 HR3593-113 HR3600-113 HR368-113 HR369-113 HR3790-113 HR385-113 HR401-113 HR4031-113 HR4037-113 HR4038-113 HR4085-113 HR411-113 HR4147-113 HR4150-113 HR4151-113 HR42-113 HR4261-113 HR430-113 HR4305-113 HR4435-113 HR4446-113 HR4486-113 HR449-113 HR4504-113 HR4594-113 HR4628-113 HR562-113 HR569-113 HR570-113 HR577-113 HR602-113 HR631-113 HR635-113 HR671-113 HR679-113 HR683-113 HR697-113 HR733-113 HR806-113 HR813-113 HR821-113 HR833-113 HR834-113 HR844-113 HR894-113 HR897-113 HR921-113 HR933-113 HR958-113 HR975-113 HR984-113 HRES104-113 HRES32-113 S1015-113 S1034-113 S1039-113 S1042-113 S1046-113 S1050-113 S1058-113 S1060-113 S1061-113 S1076-113 S1081-113 S1089-113 S1092-113 S1148-113 S1255-113 S131-113 S1387-113 S1399-113 S1411-113 S153-113 S1558-113 S1578-113 S1581-113 S1582-113 S1583-113 S1585-113 S1586-113 S1588-113 S1589-113 S1591-113 S162-113 S1637-113 S1643-113 S1662-113 S1668-113 S1717-113 S1728-113 S1752-113 S1755-113 S1956-113 S1963-113 S1982-113 S1985-113 S1993-113 S1999-113 S2013-113 S2035-113 S2075-113 S2091-113 S2095-113 S210-113 S2182-113 S2190-113 S2231-113 S2300-113 S234-113 S2424-113 S2450-113 S25-113 S257-113 S287-113 S373-113 S412-113 S422-113 S430-113 S444-113 S46-113 S49-113 S492-113 S495-113 S515-113 S522-113 S529-113 S543-113 S572-113 S573-113 S6-113 S62-113 S629-113 S674-113 S695-113 S700-113 S734-113 S735-113 S748-113 S759-113 S778-113 S800-113 S810-113 S819-113 S825-113 S832-113 S851-113 S852-113 S863-113 S871-113 S875-113 S877-113 S889-113 S893-113 S894-113 S928-113 S932-113 S935-113 S938-113 S939-113 S964-113 S967-113 S990-113 S992-113 S995-113 Take position in opposition to: HR1739-113 HR3614-113 HR595-113 HR803-113 S262-113 Monitor/Review the following: HJRES72-113 HR125-113 HR1288-113 HR1372-113 HR1492-113 HR1494-113 HR1605-113 HR1714-113 HR1816-113 HR1832-113 HR1855-113 HR1867-113 HR1885-113 HR1898-113 HR1904-113 HR1960-113 HR1988-113 HR2018-113 HR2138-113 HR2207-113 HR2237-113 HR2249-113 HR2257-113 HR2310-113 HR2319-113 HR2341-113 HR2354-113 HR2358-113 HR2362-113 HR2377-113 HR2382-113 HR2397-113 HR2412-113 HR2470-113 HR247-113 HR2519-113 HR2522-113 HR2590-113 HR2642-113 HR2654-113 HR2661-113 HR2693-113 HR2704-113 HR2726-113 HR2743-113 HR2749-113 HR2785-113 HR2797-113 HR2841-113 HR2859-113 HR2876-113 HR2906-113 HR2907-113 HR2913-113 HR2941-113 HR2953-113 HR3007-113 HR3053-113 HR3087-113 HR3098-113 HR3106-113 HR3120-113 HR3145-113 HR3152-113 HR3164-113 HR3166-113 HR3180-113 HR3181-113 HR3207-113 HR3214-113 HR3223-113 HR3225-113 HR3276-113 HR3287-113 HR3310-113 HR3330-113 HR3352-113 HR3368-113 HR3369-113 HR3383-113 HR3395-113 HR3396-113 HR3397-113 HR3399-113 HR3405-113 HR3408-113 HR3418-113 HR3422-113 HR3441-113 HR3442-113 HR3443-113 HR3451-113 HR3453-113 HR3459-113 HR3469113 HR3474-113 HR3477-113 HR3493-113 HR3499-113 HR3506-113 HR3507-113 HR3508-113 HR3514-113 HR3515-113 HR3516-113 HR3521-113 HR3569-113 HR3576-113 HR3615-113 HR3646-113 HR3647-113 HR3671-113 HR3672-113 HR3725-113 HR3743-113 HR3775-113 HR3788-113 HR3789-113 HR3792-113 HR3794-113 HR3797-113 HR3798-113 HR3801-113 HR3804-113 HR3807-113 HR3808-113 HR3810-113 HR3831-113 HR3843-113 HR3852-113 HR3858-113 HR3876-113 HR3958-113 HR3974-113 HR4004-113 HR4005-113 HR4023-113 HR4050-113 HR4068-113 HR4095-113 HR4096-113 HR4101-113 HR4102-113 HR4110-113 HR4134-113 HR4141-113 HR4149-113 HR4184-113 HR4191-113 HR4198-113 HR4217-113 HR4232-113 HR4234-113 HR4235-113 HR4247-113 HR4248-113 HR4274-113 HR4276-113 HR4314-113 HR4335-113 HR4344-113 HR4356-113 HR4359-113 HR4370-113 HR4374-113 HR4394-113 HR4399-113 HR4408-113 HR4422-113 HR4485-113 HR4488-113 HR4489-113 HR4492-113 HR4516-113 HR4517-113 HR4561-113 HR4574-113 HR4580-113 HR4616-113 HR4629-113 HR4630-113 HR4656-113 HR4669-113 HR4674-113 HR4682-113 HR4688-113 HR4712-113 HR4720-113 HR4723-113 HR4725-113 HR4730-113 HR4741-113 HR4760-113 HR4766-113 HR4774-113 HR4778-113 HR4779-113 HR4793-113 HR4807-113 HR4810-113 HR4816-113 HR4818-113 HR4841-113 HR4852-113 HR4861-113 HR4862-113 HR4863-113 HR4875-113 HR4887-113 HR489-113 HR4892-113 HR4898-113 HR4900-113 HR4912-113 HR4942-113 HR4948-113 HR4971-113 HR4974-113 HR4977-113 HR4999-113 HR5007-113 HR5009-113 HR55-113 HR604-113 HR748-113 HR773-113 HR810-113 HR883-113 HRES13-113 S1032-113 S1041-113 S1078-113 S1119-113 S1174-113 S1190-113 S1197-113 S1211-113 S1216-113 S1246-113 S1262-113 S1281-113 S1295-113 S1296-113 S1320-113 S1361-113 S1367-113 S140-113 S1403-113 S1434-113 S1471-113 S1486-113 S1540-113 S1547-113 S1556-113 S1559-113 S1579-113 S1580-113 S1584-113 S1593-113 S1602-113 S1604-113 S1624-113 S1644-113 S1659-113 S1669-113 S1682-113 S1684-113 S1688-113 S1703-113 S1736-113 S1740-113 S1741-113 S1751-113 S1760-113 S1775-113 S1844-113 S1856-113 S1863-113 S1869-113 S1892-113 S1917-113 S1919-113 S1950-113 S1977-113 S1987-113 S200-113 S2009-113 S2014-113 S2053-113 S2138-113 S2145-113 S2179-113 S2243-113 S2258-113 S2259-113 S2264-113 S2281-113 S2296-113 S2298-113 S2312-113 S2316-113 S2333-113 S2341-113 S2350-113 S2357-113 S2358-113 S2362-113 S2368-113 S2393-113 S2395-113 S2396-113 S2410-113 S2413-113 S2419-113 S2422-113 S2423-113 S2425-113 S2428-113 S2448-113 S2467-113 S2468-113 S2507-113 S2545-113 S259-113 S514-113 S690-113 S705-113 S777-113 S868-113 S922-113 S927-113 S930-113 S944-113 SRES323-113

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

Government targets: Defense, Dept of (DOD), Education, Dept of, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Office of Management & Budget (OMB), Office of Personnel Management (OPM), SENATE, Veterans Affairs, Dept of (VA), White House Office

Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).

Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).

Dodd-Frank Wall Street Reform and Consumer Protection Act [P.L. 111-203]; The credit union tax exemption; The federal debt limit; Continued credit union operations during the government shutdown; National Flood Insurance Program (NFIP); Delaying NFIP premium increases; The Consumer Financial Protection Bureaus (CFPB) Ability to Repay/ Qualified Mortgage (QM) rule and how points and fees are calculated; Delay of the CFPB mortgage related rules; Mortgage Choice Act of 2013 (H.R. 3211);Mortgage Choice Act of 2013 (S.1577); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949);Exempting mortgage loans held in portfolio from the QM definition; Ensuring the 40-year loan product can be considered a QM; Revising the aspects of the ability to repay rule that dictates a consumer have a total debt-to-income ratio that is less than or equal to 43%; House-Senate Budget Conference Committee on the Budget Resolution; Annual privacy notices financial institutions must provide consumers with; Privacy Notice Modernization Act (S. 635); Eliminate Privacy Notice Confusion Act (H.R. 749); Patent reform; Innovation Act (H.R. 3309); Patent Transparency and Improvements Act of 2013 (S.1720); Patent Quality Improvement Act of 2013 (S. 866); Patent Litigation Integrity Act of 2013 (S.1612); Credit union share insurance coverage of Interest on Lawyers Trust Accounts; Credit Union Share Insurance Fund Parity Act (H.R. 3468); To enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. (H.R. 3329); CLEAR Relief Act (H.R. 1750); Structural changes to the CFPB; Changing the single CFPB director to a board of directors; Responsible Consumer Financial Protection Regulations Act of 2013 (H.R. 2446); Consumer Financial Protection Safety and Soundness Improvement Act of 2013 (HR. 3193); Giving the Dodd-Frank created Financial Stability Oversight Council additional power to veto CFPB rules; Subjecting the CFPB to the Congressional appropriations process; Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013 (H.R. 3519); CFPB data collection efforts; Regulatory relief proposals for community-based financial service providers; Legislation to help ensure conflicting, inconsistent, and duplicative laws and regulations are addressed by Congress and regulators; Ensuring rural designations for the purposes of some Qualified Mortgage categories are made fairly at the CFPB; CFPB Rural Designation Petition and Correction Act (H.R. 2672); Data security standards; Cyber Security standards; Holding retailers accountable for handling sensitive personal financial data; Credit union member business lending; Updating the definition of a member business loan for credit unions; Exempting certain classes of loans the member business loan definition; Restore Main Street's Credit Act of 2012 (H.R. 4293);Credit Union Small Business Lending Act (H.R. 4191);Credit Union Small Business Jobs Creation Act of 2013 (H.R. 688);Supplement capital access for credit unions; Capital Access for Small Businesses and Jobs Act of 2013 (H.R. 719); Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; Allowing NCUA to grant a waiver to follow a state rule instead of a federal one in certain situations; Allowing the National Credit Union Administration (NCUA) to modify or delay implementation of a CFPB rule impacting credit unions; More robust cost-benefit analysis at the CFPB and NCUA; Establishing a risk-based capital system for credit unions; NCUA study on prompt corrective action; Require NCUA to conduct a study of the Central Liquidity Facility; Give credit unions better control over their investment decisions and portfolio risk; NCUA report on outdated corporate governance provisions in the Federal Credit Union Act; Clarification that all credit unions, regardless of charter type, should be allowed to add underserved areas to their field of memberships; Allowing NCUA to grant longer maturities for certain types of loans; Credit union access to the government sponsored enterprises; Credit union access to the secondary mortgage market; Fair pricing for credit union loans in the secondary mortgage market; Housing finance reform; An explicit government guarantee on mortgage backed securities; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Reforms to the Federal Home Loan Bank system; CFPB clarification on what constitutes good faith compliance efforts with the mortgage rules taking effect in January of 2014; Remittance transfer regulations; Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Indexing for inflation some monetary thresholds in the Dodd-Frank Act; Changes to the E-SIGN law [P.L. 106-229]; Changes with respect to CFPB document access; Changes to appraiser independence standards; Changes to the SAFE Act definition of Loan Originator; Credit union parity for SEC broker-dealer exemption; Small Business Administration (SBA) lending programs utilized by credit unions; SBA Express and Patriot Express loans; SBA 7(a) lender requirements; SBA 504 lending; Effects of the Credit Card Accountability Responsibility Act (CARD Act); NCUAs FY 2014 budget; NCUAs reinstatement of an information collection requirement required by the Truth in Savings Act (TISA);NCUAs proposed rule regarding charitable donation accounts; Multi-agency notice of proposed rulemaking regarding loans in areas having special flood hazards; NCUA exams related to various mortgage-related regulations issued by the CFPB; The Federal Reserve Boards Proposed 2013 Regulation II Debit Card Issuer Survey and Payment Card Network Survey; The Financial Accounting Standards Boards (FASB) exposure draft proposing to eliminate certain financial reporting requirements for development stage entities; Federal Reserve Banks Public Consultation Paper proposing and seeking input on the Federal Reserve Banks role in implementing improvements to the speed, efficiency, and security of the U.S. payment system; Credit union mortgage lending; Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) disclosure integration; Federal Housing Finance Agency increasing Fannie Mae and Freddie Mac guarantee fees and implementing changes to loan-level price adjustments for certain loans; Multi-agency proposed rule regarding credit risk retention; Multi-agency proposed rule regarding qualified residential mortgages; Department of Housing and Urban Developments (HUD) proposed rule to define qualified mortgage for purposes of mortgages insured or guaranteed by HUD or the Federal Housing Administration;CFPBs interim final rule on changes to Regulation Z, Regulation X and the agencys final rules issued throughout 2013 related to mortgages; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (HR 821); Fairness for Military Homeowners Act of 2013 (HR 1223); National Defense Authorization Act for Fiscal Year 2014 (S. 1034); National Defense Authorization Act for Fiscal Year 2014 (S.1197); National Defense Authorization Act for Fiscal Year 2014 (H.R. 3304); Military Savings Act of 2013 (S. 1741); Updates and modernization of the NCUAs fixed assets rule; Changes to the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts; Added flexibility for credit unions that offer member business loans; Update requirements for credit unions to disclose account numbers to protect the privacy of members; Update advertising requirements for credit union loan products and share accounts; Modernize NCUA advertising requirements; Update and simplify regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request.

Dodd-Frank Wall Street Reform and Consumer Protection Act [P.L. 111-203]; The credit union tax exemption; The federal debt limit; Continued credit union operations during the government shutdown; National Flood Insurance Program (NFIP); Delaying NFIP premium increases; The Consumer Financial Protection Bureaus (CFPB) Ability to Repay/ Qualified Mortgage (QM) rule and how points and fees are calculated; Delay of the CFPB mortgage related rules; Mortgage Choice Act of 2013 (H.R. 3211);Mortgage Choice Act of 2013 (S.1577); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949);Exempting mortgage loans held in portfolio from the QM definition; Ensuring the 40-year loan product can be considered a QM; Revising the aspects of the ability to repay rule that dictates a consumer have a total debt-to-income ratio that is less than or equal to 43%; House-Senate Budget Conference Committee on the Budget Resolution; Annual privacy notices financial institutions must provide consumers with; Privacy Notice Modernization Act (S. 635); Eliminate Privacy Notice Confusion Act (H.R. 749); Patent reform; Innovation Act (H.R. 3309); Patent Transparency and Improvements Act of 2013 (S.1720); Patent Quality Improvement Act of 2013 (S. 866); Patent Litigation Integrity Act of 2013 (S.1612); Credit union share insurance coverage of Interest on Lawyers Trust Accounts; Credit Union Share Insurance Fund Parity Act (H.R. 3468); To enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. (H.R. 3329); CLEAR Relief Act (H.R. 1750); Structural changes to the CFPB; Changing the single CFPB director to a board of directors; Responsible Consumer Financial Protection Regulations Act of 2013 (H.R. 2446); Consumer Financial Protection Safety and Soundness Improvement Act of 2013 (HR. 3193); Giving the Dodd-Frank created Financial Stability Oversight Council additional power to veto CFPB rules; Subjecting the CFPB to the Congressional appropriations process; Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013 (H.R. 3519); CFPB data collection efforts; Regulatory relief proposals for community-based financial service providers; Legislation to help ensure conflicting, inconsistent, and duplicative laws and regulations are addressed by Congress and regulators; Ensuring rural designations for the purposes of some Qualified Mortgage categories are made fairly at the CFPB; CFPB Rural Designation Petition and Correction Act (H.R. 2672); Data security standards; Cyber Security standards; Holding retailers accountable for handling sensitive personal financial data; Credit union member business lending; Updating the definition of a member business loan for credit unions; Exempting certain classes of loans the member business loan definition; Restore Main Street's Credit Act of 2012 (H.R. 4293);Credit Union Small Business Lending Act (H.R. 4191);Credit Union Small Business Jobs Creation Act of 2013 (H.R. 688);Supplement capital access for credit unions; Capital Access for Small Businesses and Jobs Act of 2013 (H.R. 719); Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; Allowing NCUA to grant a waiver to follow a state rule instead of a federal one in certain situations; Allowing the National Credit Union Administration (NCUA) to modify or delay implementation of a CFPB rule impacting credit unions; More robust cost-benefit analysis at the CFPB and NCUA; Establishing a risk-based capital system for credit unions; NCUA study on prompt corrective action; Require NCUA to conduct a study of the Central Liquidity Facility; Give credit unions better control over their investment decisions and portfolio risk; NCUA report on outdated corporate governance provisions in the Federal Credit Union Act; Clarification that all credit unions, regardless of charter type, should be allowed to add underserved areas to their field of memberships; Allowing NCUA to grant longer maturities for certain types of loans; Credit union access to the government sponsored enterprises; Credit union access to the secondary mortgage market; Fair pricing for credit union loans in the secondary mortgage market; Housing finance reform; An explicit government guarantee on mortgage backed securities; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Reforms to the Federal Home Loan Bank system; CFPB clarification on what constitutes good faith compliance efforts with the mortgage rules taking effect in January of 2014; Remittance transfer regulations; Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Indexing for inflation some monetary thresholds in the Dodd-Frank Act; Changes to the E-SIGN law [P.L. 106-229]; Changes with respect to CFPB document access; Changes to appraiser independence standards; Changes to the SAFE Act definition of Loan Originator; Credit union parity for SEC broker-dealer exemption; Small Business Administration (SBA) lending programs utilized by credit unions; SBA Express and Patriot Express loans; SBA 7(a) lender requirements; SBA 504 lending; Effects of the Credit Card Accountability Responsibility Act (CARD Act); NCUAs FY 2014 budget; NCUAs reinstatement of an information collection requirement required by the Truth in Savings Act (TISA);NCUAs proposed rule regarding charitable donation accounts; Multi-agency notice of proposed rulemaking regarding loans in areas having special flood hazards; NCUA exams related to various mortgage-related regulations issued by the CFPB; The Federal Reserve Boards Proposed 2013 Regulation II Debit Card Issuer Survey and Payment Card Network Survey; The Financial Accounting Standards Boards (FASB) exposure draft proposing to eliminate certain financial reporting requirements for development stage entities; Federal Reserve Banks Public Consultation Paper proposing and seeking input on the Federal Reserve Banks role in implementing improvements to the speed, efficiency, and security of the U.S. payment system; Credit union mortgage lending; Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) disclosure integration; Federal Housing Finance Agency increasing Fannie Mae and Freddie Mac guarantee fees and implementing changes to loan-level price adjustments for certain loans; Multi-agency proposed rule regarding credit risk retention; Multi-agency proposed rule regarding qualified residential mortgages; Department of Housing and Urban Developments (HUD) proposed rule to define qualified mortgage for purposes of mortgages insured or guaranteed by HUD or the Federal Housing Administration;CFPBs interim final rule on changes to Regulation Z, Regulation X and the agencys final rules issued throughout 2013 related to mortgages; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (HR 821); Fairness for Military Homeowners Act of 2013 (HR 1223); National Defense Authorization Act for Fiscal Year 2014 (S. 1034); National Defense Authorization Act for Fiscal Year 2014 (S.1197); National Defense Authorization Act for Fiscal Year 2014 (H.R. 3304); Military Savings Act of 2013 (S. 1741); Updates and modernization of the NCUAs fixed assets rule; Changes to the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts; Added flexibility for credit unions that offer member business loans; Update requirements for credit unions to disclose account numbers to protect the privacy of members; Update advertising requirements for credit union loan products and share accounts; Modernize NCUA advertising requirements; Update and simplify regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request.

The credit union tax exemption; Corporate tax reform; Tax reform efforts in conjunction with raising the federal debt limit; Ensuring timely consideration of raising the nations debt limit; Annual privacy disclosure notices required of financial institutions; The National Flood Insurance Program; Scheduled National Flood Insurance Program premium increases; Regulatory burden credit unions face; Changes to the Dodd-Frank Wall Street Reform and Consumer Protection Act [P.L. 111-203];The Regulations from the Executive in Need of Scrutiny Act (H.R. 367);The Regulatory Flexibility Improvements Act of 2013 (H.R. 2542); Regulatory Accountability Act (H.R. 2122); The Regulatory Relief for Credit Unions Act (H.R. 2572); Establishing a risk-based capital system for credit unions; Allowing the National Credit Union Administration (NCUA) to grants a federal credit unions a waiver to follow a state rule; Authorizing the NCUA to step in where appropriate to modify or delay application of a Consumer Financial Protection Bureau (CFPB) rule affecting credit unions as long as the goal of the rule is still met; Requiring most robust cost-benefit analysis at the NCUA and CFPB; Requiring the NCUA to study the Central Liquidity Facility; Ways to give credit unions better control over their investment decisions and portfolio risk; Providing credit unions parity with FDIC-insured institutions when it comes to deposit insurance coverage on Interest on Lawyers Trust Accounts; Administrative Improvements for the Powers of the NCUA; Capital Reforms for Credit Unions; Structural Improvements for Credit Unions; Operational Improvements for Credit Unions; 21st Century Data Security Standards; Housing Finance Reform; Access to the secondary mortgage market for credit unions; Fair pricing for credit unions in housing finance reform; Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); The Housing Finance Reform and Taxpayer Protection Act (S. 1217); Eminent domain issues; Strategic default; Federal Housing Administration lock-out period with respect to strategic default; Federal Housing Finance Agencys securitization platform; Consumer Financial Protection Bureau (CFPB) mortgage rules; CFPB definition of points and fees under the ability-to-repay rule; CFPB proposal dictating debt-to-income ratio under the ability-to-repay rule; Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Permitting insured depository institutions to treat a non-accrual loan as an accrual loan if the loan is current; Preserving attorney-client privilege for information provided to the FHFA; Mortgage Choice Act of 2013 (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Credit risk retention regulations; CFPB rule integrating disclosures under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) including requirement that borrowers receive final closing disclosures three days prior to consumption; Cyber Security; Data breaches; Subjecting merchants to same data security standards financial institutions face under the Gramm-Leach-Bliley Act (P.L.106-102.); Data Security and Breach Notification Act of 2013 (S.1193); Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Privacy Notice Modernization Act of 2013 (S.635); Capital Access for Small Businesses and Jobs Act (H.R. 719); Eliminate Privacy Notice Confusion Act (H.R. 749); CFPB consumer data collection and uses; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (HR 1223); National Defense Authorization Act for Fiscal Year 2014 (S. 1034); National Defense Authorization Act for Fiscal Year 2014 (S.1197);Structural improvements to the CFPB; CFPB proposed changes to Regulation X Loss Mitigation; CFPB proposed changes to Regulation Z; CFPB proposed changes to Regulation B; The mortgage threshold aspect of the small creditor exemption from the CFPB ability-to-repay rule; CFPB regulation CC which implements the Expedited Funds Availability Act; Department of Defense advance notice of proposed rulemaking on whether the department should revise its regulations regarding consumer protections afforded to members of the armed forces and their dependents; The Financial Accounting Standards Boards (FASB) exposure draft proposing revisions to the 2010 proposed FASB accounting standards update, Leases; FASB and Private Company Councils (PCC) exposure draft proposing accounting alternative for the accounting for goodwill; FASB and PCCs exposure draft proposing amendments that would provide guidance on an accounting alternative for the recognition, measurement, and disclosure of identifiable intangible assets acquired in a business combination; Federal Reserves request for comments regarding certain forms for collecting data; Federal Trade Commissions notice for proposed rulemaking and request for public comment on the Telemarketing Sales Rule; The Electronics Payments Association (NACHA) to amend the NACHA operating rules to clarify ACH participants use of certain return reason codes; NCUAs request for comment on proposed interpretive ruling and policy statement 13-1 which establishes a Minority Depository Institutions Preservation Program; NCUAs proposed rule on exempt transactions from recently-issued appraisal requirements for higher-priced mortgage loans; NCUAs request for comment on the proposed amendments to its regulations regarding filing financial, statistical, and other reports electronically; Debit interchange fees; Credit interchange fees; The decisions by Federal Judge Richard Leon of the U.S. District Court for the District of Columbia in NACS , et al., v. Board of Governors to overturn the Federal Reserve Board of Governors rule limiting the fees that financial institutions can charge merchants for processing debit card transactions; Credit unions authority to engage in derivatives; NCUAs 2013 mid-year budget review as well as estimated assessments for the Temporary Corporate Credit Union Stabilization Fund; Regulatory capital reform; NCUA oversight over credit union service organizations; Implementing provisions of the Fair Credit Reporting Act; Credit union regulatory requirements related to appraisals; Member business loans and member business loan appraisals; NCUA accuracy advertising and notice of insured status; NCUA examinations; NCUA fair lending exams and supervisory scopes; NCUA rules relative to loan participations; NCUA rule relative to limitations of some credit unions to invest in fixed assets; NCUA consumer complaint process;National Credit Union Share Insurance Fund (NCUSIF) ability to insure balances on stored value cards; FASB exposure draft prescribing the treatment of credit losses; overdraft programs.

The credit union tax exemption; Corporate tax reform; Tax reform efforts in conjunction with raising the federal debt limit; Ensuring timely consideration of raising the nations debt limit; Annual privacy disclosure notices required of financial institutions; The National Flood Insurance Program; Scheduled National Flood Insurance Program premium increases; Regulatory burden credit unions face; Changes to the Dodd-Frank Wall Street Reform and Consumer Protection Act [P.L. 111-203];The Regulations from the Executive in Need of Scrutiny Act (H.R. 367);The Regulatory Flexibility Improvements Act of 2013 (H.R. 2542); Regulatory Accountability Act (H.R. 2122); The Regulatory Relief for Credit Unions Act (H.R. 2572); Establishing a risk-based capital system for credit unions; Allowing the National Credit Union Administration (NCUA) to grants a federal credit unions a waiver to follow a state rule; Authorizing the NCUA to step in where appropriate to modify or delay application of a Consumer Financial Protection Bureau (CFPB) rule affecting credit unions as long as the goal of the rule is still met; Requiring most robust cost-benefit analysis at the NCUA and CFPB; Requiring the NCUA to study the Central Liquidity Facility; Ways to give credit unions better control over their investment decisions and portfolio risk; Providing credit unions parity with FDIC-insured institutions when it comes to deposit insurance coverage on Interest on Lawyers Trust Accounts; Administrative Improvements for the Powers of the NCUA; Capital Reforms for Credit Unions; Structural Improvements for Credit Unions; Operational Improvements for Credit Unions; 21st Century Data Security Standards; Housing Finance Reform; Access to the secondary mortgage market for credit unions; Fair pricing for credit unions in housing finance reform; Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); The Housing Finance Reform and Taxpayer Protection Act (S. 1217); Eminent domain issues; Strategic default; Federal Housing Administration lock-out period with respect to strategic default; Federal Housing Finance Agencys securitization platform; Consumer Financial Protection Bureau (CFPB) mortgage rules; CFPB definition of points and fees under the ability-to-repay rule; CFPB proposal dictating debt-to-income ratio under the ability-to-repay rule; Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Permitting insured depository institutions to treat a non-accrual loan as an accrual loan if the loan is current; Preserving attorney-client privilege for information provided to the FHFA; Mortgage Choice Act of 2013 (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Credit risk retention regulations; CFPB rule integrating disclosures under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) including requirement that borrowers receive final closing disclosures three days prior to consumption; Cyber Security; Data breaches; Subjecting merchants to same data security standards financial institutions face under the Gramm-Leach-Bliley Act (P.L.106-102.); Data Security and Breach Notification Act of 2013 (S.1193); Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Privacy Notice Modernization Act of 2013 (S.635); Capital Access for Small Businesses and Jobs Act (H.R. 719); Eliminate Privacy Notice Confusion Act (H.R. 749); CFPB consumer data collection and uses; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (HR 821); Fairness for Military Homeowners Act of 2013 (HR 1223); National Defense Authorization Act for Fiscal Year 2014 (S. 1034); National Defense Authorization Act for Fiscal Year 2014 (S.1197);Structural improvements to the CFPB; CFPB proposed changes to Regulation X Loss Mitigation; CFPB proposed changes to Regulation Z; CFPB proposed changes to Regulation B; The mortgage threshold aspect of the small creditor exemption from the CFPB ability-to-repay rule; CFPB regulation CC which implements the Expedited Funds Availability Act; Department of Defense advance notice of proposed rulemaking on whether the department should revise its regulations regarding consumer protections afforded to members of the armed forces and their dependents; The Financial Accounting Standards Boards (FASB) exposure draft proposing revisions to the 2010 proposed FASB accounting standards update, Leases; FASB and Private Company Councils (PCC) exposure draft proposing accounting alternative for the accounting for goodwill; FASB and PCCs exposure draft proposing amendments that would provide guidance on an accounting alternative for the recognition, measurement, and disclosure of identifiable intangible assets acquired in a business combination; Federal Reserves request for comments regarding certain forms for collecting data; Federal Trade Commissions notice for proposed rulemaking and request for public comment on the Telemarketing Sales Rule; The Electronics Payments Association (NACHA) to amend the NACHA operating rules to clarify ACH participants use of certain return reason codes; NCUAs request for comment on proposed interpretive ruling and policy statement 13-1 which establishes a Minority Depository Institutions Preservation Program; NCUAs proposed rule on exempt transactions from recently-issued appraisal requirements for higher-priced mortgage loans; NCUAs request for comment on the proposed amendments to its regulations regarding filing financial, statistical, and other reports electronically; Debit interchange fees; Credit interchange fees; The decisions by Federal Judge Richard Leon of the U.S. District Court for the District of Columbia in NACS , et al., v. Board of Governors to overturn the Federal Reserve Board of Governors rule limiting the fees that financial institutions can charge merchants for processing debit card transactions; Credit unions authority to engage in derivatives; NCUAs 2013 mid-year budget review as well as estimated assessments for the Temporary Corporate Credit Union Stabilization Fund; Regulatory capital reform; NCUA oversight over credit union service organizations; Implementing provisions of the Fair Credit Reporting Act; Credit union regulatory requirements related to appraisals; Member business loans and member business loan appraisals; NCUA accuracy advertising and notice of insured status; NCUA examinations; NCUA fair lending exams and supervisory scopes; NCUA rules relative to loan participations; NCUA rule relative to limitations of some credit unions to invest in fixed assets; NCUA consumer complaint process;National Credit Union Share Insurance Fund (NCUSIF) ability to insure balances on stored value cards; FASB exposure draft prescribing the treatment of credit losses; overdraft programs.

HR1171-113FOR VETS Act of 2013 HR1223-113Fairness for Military Homeowners Act of 2013 HR125-113Congressional Oversight of Afghanistan Agreements Act of 2013 HR1260-112Support for Survivors ActHR1284-113To amend title 38, United States Code, to provide for coverage under the beneficiary travel program of the Department of Veterans Affairs of certain disabled veterans for travel for certain special disabilities rehabilitation, and for other purposes. HR1305-113To amend title 38, United States Code, to provide clarification regarding eligibility for services under the Homeless Veterans Reintegration Program. HR1333-113Military Family Leave Act of 2013 HR1344-113Helping Heroes Fly Act HR1357-113To amend the VOW to Hire Heroes Act of 2011 to improve the Veterans Retraining Assistance Program by providing assistance under such program for certain training programs that are considered less than full-time. HR1517-112Holley Lynn James Act HR152-113Disaster Relief Appropriations Act, 2013 HR1593-113Sexual Assault Training Oversight and Prevention Act HR1605-113Public Safety and Second Amendment Rights Protection Act of 2013 HR1620-113Military Spouse Job Continuity Act of 2013 HR1623-113VA Claims Efficiency Through Information Act of 2013 HR1714-113Shelter Our Servicemembers Act HR1725-113Veterans Mental Health Accessibility Act HR1729-113VA Claims, Operations, and Records Efficiency Act HR1739-113Veterans Backlog Reduction Act HR1742-113Vulnerable Veterans Housing Reform Act of 2013 HR1759-113To amend title 38, United States Code, to direct the Secretary of Veterans Affairs to submit to Congress quarterly reports on the timeliness in which the Department of Veterans Affairs receives certain information from other departments or agencies of the HR1770-113To amend title 10, United States Code, to eliminate the different treatment under the Survivor Benefit Plan accorded members of the reserve components who die from an injury or illness incurred or aggravated in the line of duty during inactive-duty traini HR1774-113Wounded Veteran Job Security Act HR1792-113Infectious Disease Reporting Act HR1796-113Troop Talent Act of 2013 HR1804-113Foreign Travel Accountability Act HR1805-113Veterans Claims Efficiency Through Automation Act HR1809-113To amend title 38, United States Code, to direct the Secretary of Veterans Affairs to provide notice of average times for processing claims and percentage of claims approved, and for other purposes. HR1816-113Veterans' STEM Education Program HR183-113Veterans Dog Training Therapy Act HR1904-113Oversight of Sensitive Military Operations Act HR1938-113To amend title 10, United States Code, to ensure that members of the Armed Forces serving on active duty who are diagnosed with post-traumatic stress disorder or traumatic brain injury have access to hyperbaric oxygen therapy, and for other purposes. HR2118-113Youth Sports Concussion Act of 2013 HR2119-113Veterans Access to Speedy Review Act HR2138-113Ending VA Claims Disability Backlog and Accountability Act HR2150-113To amend title 38, United States Code, to provide for a five-year extension to the homeless veterans reintegration programs. HR2151-113To amend title 38, United States Code, to authorize individuals who are pursuing programs of rehabilitation, education, or training under laws administered by the Secretary of Veterans Affairs to receive work-study allowances for certain outreach services HR2169-113To amend title 38, United States Code, to eliminate the time limitation for use of eligibility and entitlement to educational assistance under certain programs of the Department of Veterans Affairs, and for other purposes. HR2185-113To amend title 36, United States Code, to encourage the nationwide observance of two minutes of silence each Veterans Day.HR2187-113To amend the Omnibus Crime Control and Safe Streets Act of 1968 to authorize veterans' treatment courts and encourage services for veterans. HR2189-113To establish a commission or task force to evaluate the backlog of disability claims of the Department of Veterans Affairs. HR2209-113To establish a chain of command for Army National Military Cemeteries. HR2210-113To amend title 38, United States Code, to expand the eligibility of children of certain deceased veterans to educational assistance under the Post-9/11 Educational Assistance Program of the Department of Veterans Affairs. HR2216-113Military Construction and Veterans Affairs, and Related Agencies Appropriations Act, 2014 HR2237-113Developing Innovative Partnerships and Learning Opportunities that Motivate Achievement Act HR2272-113To direct the Secretary of Defense to establish an electronic means by which members of the Ready Reserves of the Armed Forces may track their active-duty service. HR2310-113Guard Units And Reservists Deserve Remembrance Act HR2319-113Native American Veterans' Memorial Amendments Act of 2013 HR2341-113To amend title 38, United States Code, to require the Secretary of Veterans Affairs to consider the resources of individuals applying for pension that were recently disposed of by the individuals for less than fair market value when determining the eligib HR235-113Veteran Emergency Medical Technician Support Act of 2013 HR2358-113To amend title 38, United States Code, to direct the Secretary of Veterans Affairs to give preference to local contractors, and for other purposes. HR2382-113To amend title 38, United States Code, to establish a priority for the Secretary of Veterans Affairs in processing certain claims for compensation. HR241-113Veterans Timely Access to Health Care Act HR2412-113To amend title 38, United States Code, to direct the Secretary of Veterans Affairs to consider the best interest of the veteran when determining whether the veteran should receive certain contracted health care. HR2423-113To improve the authority of the Secretary of Veterans Affairs to enter into contracts with private physicians to conduct medical disability examinations. HR2481-113Veterans G.I. Bill Enrollment Clarification Act of 2013 HR2485-113Helping Homeless Veterans Act of 2013 HR2510-113Helping Veterans Exposed to Toxic Chemicals Act HR2519-113Victims of Agent Orange Relief Act of 2013 HR2522-113Fair Access to Co-ops for Veterans Act HR2527-113To amend title 38, United States Code, to provide veterans with counseling and treatment for sexual trauma that occurred during inactive duty training. HR2528-113To establish a task force in the Department of Veterans Affairs to assess the retention and training of claims processors. HR2540-113To amend title 38, United States Code, to improve the authority of the Secretary of Veterans Affairs to hire psychiatrists. HR2590-113To amend the Wounded Warrior Act to establish a specific timeline for the Secretary of Defense and the Secretary of Veterans Affairs to achieve integrated electronic health records, and for other purposes. HR2600-112National Pediatric Acquired Brain Injury Plan Act of 2011 HR2797-113To amend the Internal Revenue Code of 1986 to allow taxpayers to designate overpayments of tax as contributions and to make additional contributions to the Homeless Veterans Assistance Fund, and for other purposes. HR288-113CHAMPVA Children's Protection Act of 2013 HR2913-113Veterans' Local Access Act HR303-113Retired Pay Restoration ActHR3180-113To amend title 38, United States Code, to include contracts and grants for residential care for veterans in the exception to the requirement that the Federal Government recover a portion of the value of certain projects. HR3181-113To amend the Balanced Budget and Emergency Deficit Control Act of 1985 to clarify the treatment of administrative expenses of the Department of Veterans Affairs during sequestration. HR3207-113To amend title 38, United States Code, to modify the method of determining whether Filipino veterans are United States residents for purposes of eligibility for receipt of the full-dollar rate of compensation under the laws administered by the Secretary o HR331-113To direct the Secretary of Veterans Affairs to permit the centralized reporting of veteran enrollment by certain groups, districts, and consortiums of educational institutions. HR333-113Disabled Veterans Tax Termination Act HR340-113Protecting Financial Aid for Students and Taxpayers Act HR3435-112Sexual Assault Training Oversight and Prevention Act HR4051-112TAP Modernization Act of 2012 HR4057-112Improving Transparency of Education Opportunities for Veterans Act of 2012 HR4072-112Consolidating Veteran Employment Services for Improved Performance Act of 2012 HR4287-112To amend title 38, United States Code, to expand the definition of homeless veteran for purposes of benefits under the laws administered by the Secretary of Veterans Affairs. HR430-113Protect Our Military Trainees Act HR4310-112National Defense Authorization Act for Fiscal Year 2013 HR55-113SHIELD Act of 2013 HR6574-112Servicemember Mental Health Review Act HR683-113Military Spouses Equal Treatment Act HR748-113Universal National Service Act HR773-113To amend the Balanced Budget and Emergency Deficit Control Act of 1985 to exempt the Department of Defense from reduction under any order issued to carry out a sequestration pursuant to section 251A. HR810-113To grant the Secretary of Defense the authority to transfer funding under a continuing resolution, and for other purposes. HR821-113To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes. HR833-113To amend title 10, United States Code, to require that the Purple Heart occupy a position of precedence above the new Distinguished Warfare Medal. HR834-113Veterans' Efficiencies Through Savings Act of 2013 HR933-113Department of Defense, Military Construction and Veterans Affairs, and Full-Year Continuing Appropriations Act, 2013 HR943-112K-9 Companion Corps Act HR958-113Women Veterans and Other Health Care Improvements Act of 2013 HR975-113Servicemember Mental Health Review Act HR984-113To direct the Secretary of Defense to establish a task force on urotrauma. S1032-113A bill to amend title 10, United States Code, to make certain improvements in the Uniform Code of Military Justice related to sex-related offenses committed by members of the Armed Forces, and for other purposes. S1041-113A bill to amend title 10, United States Code, to afford crime victims' rights to victims of offenses under the Uniform Code of Military Justice, and for other purposes. S1042-113A bill to authorize the Secretary of Veterans Affairs to provide support to university law school programs that are designed to provide legal assistance to veterans, and for other purposes.S1058-113A bill to amend title 38, United States Code, to authorize per diem payments under comprehensive service programs for homeless veterans to furnish care to dependents of homeless veterans, and for other purposes. S1060-113A bill to amend the Public Health Service Act to facilitate emergency medical services personnel training and certification curriculums for military veterans. S1148-113A bill to amend title 38, United States Code, to direct the Secretary of Veterans Affairs to provide notice of average times for processing claims, and for other purposes. S1155-113Rural Veterans Mental Health Care Improvement Act S1165-113A bill to amend title 38, United States Code, to provide for certain requirements relating to the immunization of veterans, and for other purposes. S1216-113Improving Job Opportunities for Veterans Act of 2013 S1255-113Veterans Travel Tax Relief Act of 2013 S1262-113Veterans Conservation Corps Act of 2013 S1361-113A bill to direct the Secretary of Homeland Security to accept additional documentation when considering the application for veterans status of an individual who performed service as a coastwise merchant seaman during World War II, and for other purposes. S1367-113A bill to amend title 49, United States Code, to direct the Assistant Secretary of Homeland Security (Transportation Security Administration) to provide expedited air passenger screening to severely injured or disabled members of the Armed Forces and seve S1558-113A bill to require the Secretary of Veterans Affairs to carry out a program of outreach for veterans, and for other purposes. S1559-113A bill to amend title 38, United States Code, to modify the method of determining whether Filipino veterans are United States residents for purposes of eligibility for receipt of the full-dollar rate of compensation under the laws administered by the Secr S1707-112Veterans Second Amendment Protection Act S1728-112Stolen Valor Act of 2011 S200-113A bill to amend title 38, United States Code, to authorize the interment in national cemeteries under the control of the National Cemetery Administration of individuals who served in combat support of the Armed Forces in the Kingdom of Laos between Februa S2116-112Military and Veterans Education Protection Act S2259-112Veterans' Compensation Cost-of-Living Adjustment Act of 2012 S3202-112Dignified Burial and Other Veterans' Benefits Improvement Act of 2012 S3234-112A bill to amend the Internal Revenue Code of 1986 to extend the time period for contributing military death gratuities to Roth IRAs and Coverdell education savings accounts. S325-113A bill to amend title 38, United States Code, to increase the maximum age for children eligible for medical care under the CHAMPVA program, and for other purposes. S3254-112National Defense Authorization Act for Fiscal Year 2013 S3322-112Servicemembers' Protection Act of 2012 S412-113Keep Our Commitment to Veterans Act S422-113Chiropractic Care Available to All Veterans Act of 2013 S430-113Veterans Small Business Opportunity and Protection Act of 2013S444-113Department of Defense Appropriations Act, 2013 S455-113A bill to amend title 38, United States Code, to authorize the Secretary of Veterans Affairs to transport individuals to and from facilities of the Department of Veterans Affairs in connection with rehabilitation, counseling, examination, treatment, and c S46-113Ensuring the Full Faith and Credit of the United States and Protecting America's Soldiers and Seniors Act S470-113A bill to amend title 10, United States Code, to require that the Purple Heart occupy a position of precedence above the new Distinguished Warfare Medal. S49-113Veterans Health Equity Act of 2013 S514-113A bill to amend title 38, United States Code, to provide additional educational assistance under Post-9/11 Educational Assistance to veterans pursuing a degree in science, technology, engineering, math, or an area that leads to employment in a high-demand S6-113Putting Our Veterans Back to Work Act of 2013 S628-113Servicemember Mental Health Review Act S633-113A bill to amend title 38, United States Code, to provide for coverage under the beneficiary travel program of the Department of Veterans Affairs of certain disabled veterans for travel in connection with certain special disabilities rehabilitation, and fo S734-113A bill to amend title 10, United States Code, to repeal the requirement for reduction of survivor annuities under the Survivor Benefit Plan by veterans' dependency and indemnity compensation. S759-113A bill to amend the Internal Revenue Code of 1986 to allow a credit against income tax for amounts paid by a spouse of a member of the Armed Forces for a new State license or certification required by reason of a permanent change in the duty station of su S800-113Treto Garza Far South Texas Veterans Inpatient Care Act of 2013 S810-113Jacob Sexton Military Suicide Prevention Act of 2013 S819-113Veterans Mental Health Treatment First Act of 2013 S825-113Homeless Veterans Prevention Act of 2013 S832-113Improving the Lives of Children with Spina Bifida Act of 2013 S845-113A bill to amend title 38, United States Code, to improve the Department of Veterans Affairs Health Professionals Educational Assistance Program, and for other purposes. S851-113Caregivers Expansion and Improvement Act of 2013 S852-113Veterans' Health Promotion Act of 2013 S938-113Franchise Education for Veterans Act of 2013 S944-113Veterans' Educational Transition Act of 2013 S967-113Military Justice Improvement Act of 2013

Consumer Financial Protection Bureaus (CFPB) ability-to-repay rule; What constitutes a qualified mortgage under the CFPBs ability-to-repay rule; Definition of points and fees under the CFPBs ability-to-repay rule; The Consumer Mortgage Choice Act (H.R. 1077); Congressional oversight of the Financial Stability Oversight Council (FSOC); Regulatory coordination amount FSOC members; Regulatory relief for credit unions; Regulatory Relief for Credit Unions Act (H.R. 2572);National credit union administration (NCUA) authority to grant a federal credit union parity on a broader state rule; NCUA authority to delay implementation of a CFPB rule if compliance causes undue hardship; NCUA and CFPB look-back cost analysis on new rules after three years; Examination fairness standards for credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1553); NCUA Central Liquidity fund modernization; Capital reforms for credit unions; NCUA changes to current prompt corrective action system; Risk-based capital for credit unions; Supplemental capital for credit unions; Corporate governance changes to the Federal Credit Union Act; Improvements to credit union field of membership requirements; Allowing all credit unions to add underserved areas to their field of membership; Credit union members business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S.968); Annual privacy notices; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act of 2013 (S. 635); Capital Access for Small Businesses and Jobs Act (H.R. 719); ATM disclosures; Debit interchange fees; Credit interchange fees; Flood Insurance; Structural changes to the CFPB; Credit union investment authority; Longer maturities for certain credit union loans; Insurance coverage parity for Interest on Lawyers Trust Accounts (IOTLAs); Data security standards for merchants and retailers; Cyber Intelligence Sharing and Protection Act (H.R. 624); Housing finance reform and the Government Sponsored Enterprises; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Housing Finance Reform and the Federal Housing Administration; Credit union access to the secondary mortgage market; Fair pricing for credit union mortgages sold onto the secondary market; The credit union tax exemption; Financial literacy issues; The Federal Housing Finance Agencys securitization platform; Small Business Administrations 7(a) lending program; Small Business Administrations 504 lending program; Ideas related to a two-tiered regulatory system for community based financial service providers; Independent Regulatory Analysis Act of 2013 (S. 1173); CFPBs data collection efforts; CFPB rule making regarding private student lending; CFPB request for comment regarding an Initiative to Promote Student Loan Affordability; The Electronics Payments Association (NACHA) comments regarding various compliance and operational topics; NACHAs to clarify rules that implicate third parties in a transaction; National Institute of Standards and Technologys (NIST) request for information for developing a framework to reduce cyber security risk against infrastructure; CFPB rule on mandatory escrow accounts for higher-priced mortgage loans; Request to NCUA for working group on reforming current regulatory capital requirements; NCUA information collection activities; NCUA request for comment on prospective outside legal counsel; Financial Accounting Standards Boards (FASB) exposure draft amending the accounting standards that govern the recognition and measurement of financial assets and financial liabilities; NCUAs rule on federal credit union ownership of fixed assets; NCUAs proposed delay of rule concerning the prohibition of financing credit insurance premium in connection with certain transactions secured by a dwelling; NCUAs request for comment on generic clearance for the collection of qualitative feedback on agency service delivery; FASBs exposure draft prescribing the treatment of credit losses; NCUAs member business lending requirement for a personal guarantee; Defense Base Realignment and Closure Commission (BRAC); Servicemembers Civil Relief Act (SCRA); Military Lending Act (MLA); National Defense Authorization Act for Fiscal Year 2014 (S. 1034); National Defense Authorization Act for Fiscal Year 2014 (S. 1197); To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); CFPB rulemaking with respect to remittance transfers; Indexing for inflation arbitrary asset thresholds in the Dodd-Frank Act [P.L. 111-203]; Changes to the E-Sign Act [P.L. 106-229]; CFPB examination authority and document access; Section 1472 of the Dodd-Frank Act with respect to appraiser independence; The S.A.F.E Mortgage Licensing Act of 2008 and definition of loan originator; Securities and Exchange Commission broker-dealer exemption; Patent Reform; Leahy-Smith America Invents Act [P.L. 112-29].

Consumer Financial Protection Bureaus (CFPB) ability-to-repay rule; What constitutes a qualified mortgage under the CFPBs ability-to-repay rule; Definition of points and fees under the CFPBs ability-to-repay rule; The Consumer Mortgage Choice Act (H.R. 1077); Congressional oversight of the Financial Stability Oversight Council (FSOC); Regulatory coordination amount FSOC members; Regulatory relief for credit unions; Regulatory Relief for Credit Unions Act (H.R. 2572);National credit union administration (NCUA) authority to grant a federal credit union parity on a broader state rule; NCUA authority to delay implementation of a CFPB rule if compliance causes undue hardship; NCUA and CFPB look-back cost analysis on new rules after three years; Examination fairness standards for credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1553); NCUA Central Liquidity fund modernization; Capital reforms for credit unions; NCUA changes to current prompt corrective action system; Risk-based capital for credit unions; Supplemental capital for credit unions; Corporate governance changes to the Federal Credit Union Act; Improvements to credit union field of membership requirements; Allowing all credit unions to add underserved areas to their field of membership; Credit union members business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S.968); Annual privacy notices; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act of 2013 (S. 635); Capital Access for Small Businesses and Jobs Act (H.R. 719); ATM disclosures; Debit interchange fees; Credit interchange fees; Flood Insurance; Structural changes to the CFPB; Credit union investment authority; Longer maturities for certain credit union loans; Insurance coverage parity for Interest on Lawyers Trust Accounts (IOTLAs); Data security standards for merchants and retailers; Cyber Intelligence Sharing and Protection Act (H.R. 624); Housing finance reform and the Government Sponsored Enterprises; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Housing Finance Reform and the Federal Housing Administration; Credit union access to the secondary mortgage market; Fair pricing for credit union mortgages sold onto the secondary market; The credit union tax exemption; Financial literacy issues; The Federal Housing Finance Agencys securitization platform; Small Business Administrations 7(a) lending program; Small Business Administrations 504 lending program; Ideas related to a two-tiered regulatory system for community based financial service providers; Independent Regulatory Analysis Act of 2013 (S. 1173); CFPBs data collection efforts; CFPB rule making regarding private student lending; CFPB request for comment regarding an Initiative to Promote Student Loan Affordability; The Electronics Payments Association (NACHA) comments regarding various compliance and operational topics; NACHAs to clarify rules that implicate third parties in a transaction; National Institute of Standards and Technologys (NIST) request for information for developing a framework to reduce cyber security risk against infrastructure; CFPB rule on mandatory escrow accounts for higher-priced mortgage loans; Request to NCUA for working group on reforming current regulatory capital requirements; NCUA information collection activities; NCUA request for comment on prospective outside legal counsel; Financial Accounting Standards Boards (FASB) exposure draft amending the accounting standards that govern the recognition and measurement of financial assets and financial liabilities; NCUAs rule on federal credit union ownership of fixed assets; NCUAs proposed delay of rule concerning the prohibition of financing credit insurance premium in connection with certain transactions secured by a dwelling; NCUAs request for comment on generic clearance for the collection of qualitative feedback on agency service delivery; FASBs exposure draft prescribing the treatment of credit losses; NCUAs member business lending requirement for a personal guarantee; Defense Base Realignment and Closure Commission (BRAC); Servicemembers Civil Relief Act (SCRA); Military Lending Act (MLA); National Defense Authorization Act for Fiscal Year 2014 (S. 1034); National Defense Authorization Act for Fiscal Year 2014 (S. 1197); To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); CFPB rulemaking with respect to remittance transfers; Indexing for inflation arbitrary asset thresholds in the Dodd-Frank Act [P.L. 111-203]; Changes to the E-Sign Act [P.L. 106-229]; CFPB examination authority and document access; Section 1472 of the Dodd-Frank Act with respect to appraiser independence; The S.A.F.E Mortgage Licensing Act of 2008 and definition of loan originator; Securities and Exchange Commission broker-dealer exemption; Patent Reform; Leahy-Smith America Invents Act [P.L. 112-29].

Lobbying issues were: CFPB (encouraging Congress to keep in place an effective federal consumer-focused banking regulator); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); the future of the GSEs and the federal housing finance system [continued on next page][continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentive for servicers to modify loans to prevent foreclosures) Specific legislation that was the subject of lobbying activity: S.Con.Res. 8 (to oppose amendments that would cripple the regulatory process and weaken important public protections) S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 673 (to amend TILA to establish a national usury rate for consumer credit transactions) S. 690 (to create an Office of the Homeowner Advocate) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (a bill to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) S. 3047 (a bill to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (a bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.) S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members) S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit) S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions).S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies) S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC ) S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule) S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes). H.R. 830 (to continue to FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue the Home Affordable Mortgage Program) H.R. 861 (to continue NSP) H.R. 1077 (to oppose amending the Truth in Lending Act's definitions of points and fees in connection with a mortgage transaction) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1221 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R 1222 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1223 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1224 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1225 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1226 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1227 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1261 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions, and for other purposes) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 (to require minimum mortgage servicing standards) H.R. 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers) H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes) H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system)[continued from previous page] H.R. 3648 (to support amending the Internal Revenue Code of 1986 to exclude discharges of indebtness on principal residences from gross income, and for other purposes) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purpo H.R. 4310 (to support amending the Military Lending Act to provide additional enhancements of protections on consumer credit for members of the armed forces and their dependents) H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions). H.R. 6139 (to oppose federal chartering of national consumer credit corporations) The organization supported the appointment of Richard Cordray as director of the Consumer Financial Protection Bureau. BILLS UNDER DISCUSSION/NOT YET INTRODUCED Senate legislation on government sponsored enterprises (to ensure that there is a secondary market to serve low- and moderate-income communities) Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to address abusive payday lending practices Senate legislation to provide for a safe harbor legal liability standard for qualified mortgages House legislation on debit cards (to ensure there are fair consumer protections for debit card users) Executive branch agencies and issues: Consumer Financial Protection Bureau overdraft fees, bank payday loans, payday loans, mortgage servicing, larger nonbank participants, credit cards, prepaid cards, auto lending, rules to be enforced, lending issues as related to military, interim legal authorities, Alternative Mortgage Transaction Parity Act (AMTPA), mortgage origination rules, depository supervision, qualified mortgage Dept of the Treasury--Office of the Comptroller of the Currency overdraft fees, bank payday loans, preemption, risk retention rules, servicing standards, servicing consent order/independent foreclosure review, mortgage origination rules, payday lendings impact on Community Reinvestment Act evaluations Dept of the Treasury HAMP, GSE reform, risk retention rules, mortgage origination rules Federal Reserve Board overdraft fees, bank payday loans, mortgage origination rules, risk retention rules, servicing standards, credit card rules, interchange revenue, Dodd-Frank implementation, servicing consent order/independent foreclosure review FDIC -- overdraft fees, risk retention rules, servicing standards, bank payday loans, prepaid cards National Credit Union Administration -- regulation of credit union service organizations, payday lending, payday alternative loans Federal Trade Commission -- auto financing HUD -- GSE reform, risk retention rules, mortgage origination rules White House -- foreclosure prevention, risk retention rules, mortgage refinance Federal Housing Finance Administration -- foreclosure prevention, servicing standards

Credit union member business lending cap; small business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Administration loan guarantee; federal credit union tax exemption; corporate tax reform; sequestration; Federal Housing Administration (FHA) solvency issues; FHA mutual mortgage insurance fund; FHA strategic default policy; Credit union regulatory relief; Allowing the National Credit Union Administration (NCUA) the ability to grant parity with a broader state rule;Allowing NCUA the ability to delay implementation of a Consumer Financial Protection Bureau (CFPB) rule; NCUA rule making cost benefit analysis; CFPB rule making cost benefit analysis; Examination fairness for credit unions; Changes to the credit union Central Liquidity Fund; Capital reform for credit unions; Changes to the prompt corrective action system; Risk-based capital for credit unions; Basel III as it impacts credit unions; Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); Capital requirements for newly chartered credit unions; Corporate governance provisions and the Federal Credit Union Act (FCUA); Credit union field of membership restrictions; Credit unions ability to serve underserved areas; Annual privacy notice requirements; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act of 2013 (S. 635);Credit union investment authority; Credit unions lending and longer maturities for certain loans; Credit union insurance parity for Interest on Lawyers Trust Accounts (IOLTAs); Data security standards; Cyber security; Cyber Intelligence Sharing and Protection Act (H.R. 624); Executive Order: Improving Critical Infrastructure Cybersecurity; Reform of the housing finance system; Credit union access to the Government Sponsored Enterprises; Credit unions access to the Federal Home Loan Bank system; Senate Budget Resolution (S.Con.Res. 8); Amdt# 593 to S. Con. Res. 8 with respect to Fannie Mae and Freddie Mac fees; Defense credit union issues; Base Realignment and Closure (BRAC); Servicemembers Civil Relief Act; Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (HR 1223); FinCEN rulemaking with respect to adopting a customer due diligence program in conjunction with the Bank Secrecy Act and anti-money laundering rules; Automatic Teller Machine disclosures; Debit interchange fees; Credit interchange fees; Flood Insurance and the National Flood Insurance Program; Community Reinvestment Act; Structural changes to the CFPB; Regulation Z and the Truth in Lending Act with respect a consumers independent ability to repay; Mortgage-related rule makings at the Consumer Financial Protection Bureau (CFPB);Ability to Repay/ Qualified Mortgages; Mortgage Servicing; Proposed changes to the Home Ownership Equity Protection Act; Loan originator compensation; Regulation E with respect to remittance transfers; Applicability of the Small Business Regulatory Enforcement Fairness Act; CFPBs quarterly collection of credit card agreements; CFPBs Policy to Encourage Trial Disclosure Programs; Information Collection; CFPBs request for information on the Credit Card Market; CFPBs request with respect quantitative testing on integrated mortgage loan disclosures; CFPBs request for information about financial products marketed to students enrolled in institutions of higher education; Financial Accounting Standards Boards (FASB) exposure draft clarifying the scope and applicability of a particular disclosure to nonpublic entities that resulted from the issuance of Accounting Standards Update No.2011-04, Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs; Government Sponsored Enterprises (GSE) Buy-Back Policies and Requirements; Financial Crimes Enforcement Network (FINCen) proposed rule to amend the definitions of funds transfers and transmittal of funds; Federal Financial Institutions Examination Council (FFIEC) proposed guidance on social media; Financial Stability Oversight Council (FSOC) reform alternatives on money market mutual funds; NCUAs exam notification stating goals to provide more clarity in guidance to examiners and credit unions and consistency in agency practices; NCUAs budget; NCUAs examination of credit unions interest rate risk management.

Credit union member business lending cap; small business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Administration loan guarantee; federal credit union tax exemption; corporate tax reform; sequestration; Federal Housing Administration (FHA) solvency issues; FHA mutual mortgage insurance fund; FHA strategic default policy; Credit union regulatory relief; Allowing the National Credit Union Administration (NCUA) the ability to grant parity with a broader state rule;Allowing NCUA the ability to delay implementation of a Consumer Financial Protection Bureau (CFPB) rule; NCUA rule making cost benefit analysis; CFPB rule making cost benefit analysis; Examination fairness for credit unions; Changes to the credit union Central Liquidity Fund; Capital reform for credit unions; Changes to the prompt corrective action system; Risk-based capital for credit unions; Basel III as it impacts credit unions; Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); Capital requirements for newly chartered credit unions; Corporate governance provisions and the Federal Credit Union Act (FCUA); Credit union field of membership restrictions; Credit unions ability to serve underserved areas; Annual privacy notice requirements; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act of 2013 (S. 635);Credit union investment authority; Credit unions lending and longer maturities for certain loans; Credit union insurance parity for Interest on Lawyers Trust Accounts (IOLTAs); Data security standards; Cyber security; Cyber Intelligence Sharing and Protection Act (H.R. 624); Executive Order: Improving Critical Infrastructure Cybersecurity; Reform of the housing finance system; Credit union access to the Government Sponsored Enterprises; Credit unions access to the Federal Home Loan Bank system; Senate Budget Resolution (S.Con.Res. 8); Amdt# 593 to S. Con. Res. 8 with respect to Fannie Mae and Freddie Mac fees; Defense credit union issues; Base Realignment and Closure (BRAC); Servicemembers Civil Relief Act; Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (HR 1223); FinCEN rulemaking with respect to adopting a customer due diligence program in conjunction with the Bank Secrecy Act and anti-money laundering rules; Automatic Teller Machine disclosures; Debit interchange fees; Credit interchange fees; Flood Insurance and the National Flood Insurance Program; Community Reinvestment Act; Structural changes to the CFPB; Regulation Z and the Truth in Lending Act with respect a consumers independent ability to repay; Mortgage-related rule makings at the Consumer Financial Protection Bureau (CFPB);Ability to Repay/ Qualified Mortgages; Mortgage Servicing; Proposed changes to the Home Ownership Equity Protection Act; Loan originator compensation; Regulation E with respect to remittance transfers; Applicability of the Small Business Regulatory Enforcement Fairness Act; CFPBs quarterly collection of credit card agreements; CFPBs Policy to Encourage Trial Disclosure Programs; Information Collection; CFPBs request for information on the Credit Card Market; CFPBs request with respect quantitative testing on integrated mortgage loan disclosures; CFPBs request for information about financial products marketed to students enrolled in institutions of higher education; Financial Accounting Standards Boards (FASB) exposure draft clarifying the scope and applicability of a particular disclosure to nonpublic entities that resulted from the issuance of Accounting Standards Update No.2011-04, Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs; Government Sponsored Enterprises (GSE) Buy-Back Policies and Requirements; Financial Crimes Enforcement Network (FINCen) proposed rule to amend the definitions of funds transfers and transmittal of funds; Federal Financial Institutions Examination Council (FFIEC) proposed guidance on social media; Financial Stability Oversight Council (FSOC) reform alternatives on money market mutual funds; NCUAs exam notification stating goals to provide more clarity in guidance to examiners and credit unions and consistency in agency practices; NCUAs budget; NCUAs examination of credit unions interest rate risk management.