Congressional Tribute to Constance Baker Motley Act of 2013

Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support S. 673 Support Rich Cordray as Director of CFPB.Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose H. R. 1077 / S. 949. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Oppose H.R. 3211. Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support S. 1150 / H.R. 3097, legislation to posthumously award a congressional gold medal to Judge Constance Baker Motley. Support the proposed "Qualified Mortgage" rule as written by the Consumer Financial Protection Bureau. Support the Consumer Financial Protection Bureau on its recent guidance on indirect auto lending. Strongly support adopting the same standards for Qualified Residential Mortgages as they have for Qualified Mortgage loans. Oppose HR 2385; oppose HR 2446; oppose the Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013; oppose H.R. 3193; oppose H.R. 3183; oppose H.R. 2571. Support the Ability to Repay standard and its implementation.Oppose H.R. 3519, the Bureau of Consumer Financial Protection Accountability and Transparency Act. Oppose H.R. 2446, the mis-named Responsible Consumer Financial Protection Regulations Act. Oppose H.R. 1077 / S. 1577 / H.R.2767 / H.R.3211 / S.949 Support any future housing finance system affirmatively establishing pathways to sustainable and affordable homeownership for a wide range of qualified buyers as well as assure an adequate supply of safe and affordable rental homes. Support Affordable Housing Goals and a duty to serve. Support Janet Yellen to serve as Chairwoman of the Board of Governors of the Federal Reserve System. Oppose HR 3193, HR 2385, HR 2446, H.R. 3519, and H.R. 2571 Support reform of the debt collection industry to improve remedies; require documentation about the debt; Require Retention of and Access to Information about Debt Collection Efforts and the Consumer; Adopt Clear Responsibility for Ensuring Collectors Have Complete Information; Require Documentation to Initiate Suit; Prohibit Abusive, Deceptive, Unfair and Harassing Debt Collection Activities by Creditors as well as Collectors; Limit the Number of Telephone Contacts Per Week; Require Collectors to Honor Oral Requests to Cease Communication; Mandate a Simpler Notice of the Right to Verification and to Cease Communication; Mandate Itemization and Meaningful Investigations of Disputes; Stop Collection of Time-Barred Debt; Prevent Abuses of Credit Reports; Protect the Privacy of Servicemembers and Other Consumers; Protect Consumers in Medical Debt Collections; Protect Consumers in Student Loan Debt Collections; and Ban enforcement of forced arbitration clauses when consumers assert claims of illegal debt collection. Support the proposed diversity standards included in the Agencies' Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and Request for Comment. Support Brown (OH) amendment to section 803 of S. 1217. This amendment will significantly improve how servicing is done. In regards to GSE reform, we urged the committe to not provide FMIC insurance to purely private capital markets deals; to ensure strong equity requirements for guarantors; to ensure the new system can serve all regions and eligible borrowers before flipping the switch; to provide pricing transparency and standardization for consumers; to uphold the principles of fair housing and fair lending; to permit more flexibility for the down payment requirement; do not limit the system to QM loans as defined by the CFPB; to facilitate effective loss mitigation by loan servicers; simplify the market-based incentive to provide access to underserved markets; broaden the funding base to provide adequate funding for the Market Access Fund; ensure that FMIC and its offices can collect and use data from market participants to further the purposes of the Act and provide adequate public disclosure; and any down payment requirement must be flexible and established by the regulators. Support the Menendez (NJ) amendment to S. 1217 to address a number of fair housing issues related to the proposed new housing finance system. Support the Federal Housing Finance Agency moving expeitiously toward implementing the Enterprise duty to serve rule as mandated by the Housing and Economic Recovery Act of 2008. Support H.R. 3543 / S. 1761, the Permanently Protecting Tenants at Foreclosure Act. Oppose bringing S. 1217 to the full Senate floor for consideration.Support President Obama nominating new Governors for the two open seats on the Federal Reserve Board who will strongly and effectively represent Main Street, and the aspirations for stability and financial progress of hard working families across the country. Oppose H.R. 3389, H.R. 4262, H.R. 4383, H.R. 4539, H.R. 4604, H.R. 3770, H.R. 4684, H.R. 4662, and the Bureau Examination Fairness Act Support HR 5130. Support an FHFA reversal of the GSE policy on principal reduction. Support the Consumer Financial Protection Bureaus proposed national telephone survey of 1,000 credit card holders as part of its study of pre-dispute binding mandatory (or forced) arbitration. Applaud the CFPB or the substantive work of its staff in developing the Preliminary Results of the Section 1028 Arbitration Study, and for identifying important issues for further study. As the Bureaus research continues, we urge a special focus on the impact of class mandatory arbitration clauses on the ability of individuals to vindicate their rights to a financial marketplace free of discrimination. Oppose abusive and aggressive debt collecting practices and support strong action by the Consumer Financial Protection Bureau to address them. Support H.R. 645 / S. 1837 Support H.R. 3543 / S. 1761 Support S. 2432.

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Personnel Management (OPM), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Commission on Civil Rights, Veterans Affairs, Dept of (VA), White House Office

Oppose any amendment to H.Res. 8, the Budget resolution, creating a private school voucher or tuition tax credit program. Support the Student Non-Discrimination Act. Support HR 285, Support HR 40 , Suport HR 337, Support S. 84Urge the Census Bureau to end prison-based gerrymandering. Oppose Vitter amendment to S Con Res 8 regarding photo identification requirements for voters. Support HR 12, Support S. 123 Support HR 281 Oppose HR 140 Support HR 280 Support re-enfranchiement of ex-felony offenders. Oppose S. 624. Support the End Racial Profiling Act, S. 1038. Support President Obamas Executive Order 13559. Support an end to federally funded employment discrimination. Review and Withdraw the June 29, 2007, Office of Legal Counsel Memorandum re: RFRA. Restore Executive Order 11246. Support the critical work of the Civil Rights Division at the Department of Justice (DOJ) and the Office of Civil Rights (OCR) at the Department of Education (ED) to enforce civil rights laws, including Title IXs protections against sex discrimination in educational programs receiving federal funds. Support HR 360 / S 186. Support H.R. 1755 / S. 815. Support restoring and expanding Sections 4 and 5 of the Voting Rights Act of 1965 post-Shelby v. Holder. Support Moore amendment to HR 2217, increasing the amount provided to the Office of the Secretary of DHS by $3.3 million in FY 2014, with the intention of restoring the Office of Civil Rights and Liberties to Fiscal year 2013 levels. Support laws and regulations to re-enfranchise ex-felony offenders. Ask Members of Congress not to suport the politics of hatred and bigotry as espoused by the Voters Values Summit by speaking at their annual conference. Support H.R. 2479, the Housing Opportunities Made Equal (HOME) Act. Support a robust public financing measure. Support S. 1150 / H.R. 3097, legislation to posthumously award a congressional gold medal to Judge Constance Baker Motley. Support S. 815, The Employment Non-Discrimination Act (ENDA)Support Robert Wilkins' nomination to serve on the US Court of Appeals for the DC Circut. Support the Democracy Restoration Act (H.R. 4459 / S. 2235). Support full staffing of the Election Assistance Commission. Support Tom Hicks and Myrna Perez for EAC Commissioners. Support H.R. 4123. Support ensuring that upcoming legislation to reform our nations housing finance system will create a system that serves all qualified borrowers in a fair, non-discriminatory fashion. In the era of "big data", support the basic concepts including: Stop High-Tech Profiling; Ensure Fairness in Automated Decisions; Preserve Constitutional Principles; Enhance Individual Control of Personal Information; and protect people from inaccurate data. Support S. 1945 / H.R. 3899 with strengthening amendments Support efforts to inspire the Redskins football team to change its name. Support HR 3530. Support the Conyers (MI) Civil Rights amendment to HR 4138

Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support S. 673 Support Rich Cordray as Director of CFPB.Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose H. R. 1077 / S. 949. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Oppose H.R. 3211. Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support S. 1150 / H.R. 3097, legislation to posthumously award a congressional gold medal to Judge Constance Baker Motley. Support the proposed "Qualified Mortgage" rule as written by the Consumer Financial Protection Bureau. Support the Consumer Financial Protection Bureau on its recent guidance on indirect auto lending. Strongly support adopting the same standards for Qualified Residential Mortgages as they have for Qualified Mortgage loans. Oppose HR 2385; oppose HR 2446; oppose the Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013; oppose H.R. 3193; oppose H.R. 3183; oppose H.R. 2571. Support the Ability to Repay standard and its implementation.Oppose H.R. 3519, the Bureau of Consumer Financial Protection Accountability and Transparency Act. Oppose H.R. 2446, the mis-named Responsible Consumer Financial Protection Regulations Act. Oppose H.R. 1077 / S. 1577 / H.R.2767 / H.R.3211 / S.949 Support any future housing finance system affirmatively establishing pathways to sustainable and affordable homeownership for a wide range of qualified buyers as well as assure an adequate supply of safe and affordable rental homes. Support Affordable Housing Goals and a duty to serve. Support Janet Yellen to serve as Chairwoman of the Board of Governors of the Federal Reserve System. Oppose HR 3193, HR 2385, HR 2446, H.R. 3519, and H.R. 2571 Support reform of the debt collection industry to improve remedies; require documentation about the debt; Require Retention of and Access to Information about Debt Collection Efforts and the Consumer; Adopt Clear Responsibility for Ensuring Collectors Have Complete Information; Require Documentation to Initiate Suit; Prohibit Abusive, Deceptive, Unfair and Harassing Debt Collection Activities by Creditors as well as Collectors; Limit the Number of Telephone Contacts Per Week; Require Collectors to Honor Oral Requests to Cease Communication; Mandate a Simpler Notice of the Right to Verification and to Cease Communication; Mandate Itemization and Meaningful Investigations of Disputes; Stop Collection of Time-Barred Debt; Prevent Abuses of Credit Reports; Protect the Privacy of Servicemembers and Other Consumers; Protect Consumers in Medical Debt Collections; Protect Consumers in Student Loan Debt Collections; and Ban enforcement of forced arbitration clauses when consumers assert claims of illegal debt collection. Support the proposed diversity standards included in the Agencies' Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and Request for Comment. Support Brown (OH) amendment to section 803 of S. 1217. This amendment will significantly improve how servicing is done. In regards to GSE reform, we urged the committe to not provide FMIC insurance to purely private capital markets deals; to ensure strong equity requirements for guarantors; to ensure the new system can serve all regions and eligible borrowers before flipping the switch; to provide pricing transparency and standardization for consumers; to uphold the principles of fair housing and fair lending; to permit more flexibility for the down payment requirement; do not limit the system to QM loans as defined by the CFPB; to facilitate effective loss mitigation by loan servicers; simplify the market-based incentive to provide access to underserved markets; broaden the funding base to provide adequate funding for the Market Access Fund; ensure that FMIC and its offices can collect and use data from market participants to further the purposes of the Act and provide adequate public disclosure; and any down payment requirement must be flexible and established by the regulators. Support the Menendez (NJ) amendment to S. 1217 to address a number of fair housing issues related to the proposed new housing finance system. Support the Federal Housing Finance Agency moving expeitiously toward implementing the Enterprise duty to serve rule as mandated by the Housing and Economic Recovery Act of 2008. Support H.R. 3543 / S. 1761, the Permanently Protecting Tenants at Foreclosure Act. Oppose bringing S. 1217 to the full Senate floor for consideration.Support President Obama nominating new Governors for the two open seats on the Federal Reserve Board who will strongly and effectively represent Main Street, and the aspirations for stability and financial progress of hard working families across the country. Oppose H.R. 3389, H.R. 4262, H.R. 4383, H.R. 4539, H.R. 4604, H.R. 3770, H.R. 4684, H.R. 4662, and the Bureau Examination Fairness Act Support HR 5130. Support an FHFA reversal of the GSE policy on principal reduction. Support the Consumer Financial Protection Bureaus proposed national telephone survey of 1,000 credit card holders as part of its study of pre-dispute binding mandatory (or forced) arbitration. Applaud the CFPB or the substantive work of its staff in developing the Preliminary Results of the Section 1028 Arbitration Study, and for identifying important issues for further study. As the Bureaus research continues, we urge a special focus on the impact of class mandatory arbitration clauses on the ability of individuals to vindicate their rights to a financial marketplace free of discrimination. Oppose abusive and aggressive debt collecting practices and support strong action by the Consumer Financial Protection Bureau to address them. Support H.R. 645 / S. 1837 Support H.R. 3543 / S. 1761 Support S. 2432.

Oppose any amendment to H.Res. 8, the Budget resolution, creating a private school voucher or tuition tax credit program. Support the Student Non-Discrimination Act. Support HR 285, Support HR 40 , Suport HR 337, Support S. 84Urge the Census Bureau to end prison-based gerrymandering. Oppose Vitter amendment to S Con Res 8 regarding photo identification requirements for voters. Support HR 12, Support S. 123 Support HR 281 Oppose HR 140 Support HR 280 Support re-enfranchiement of ex-felony offenders. Oppose S. 624. Support the End Racial Profiling Act, S. 1038. Support President Obamas Executive Order 13559. Support an end to federally funded employment discrimination. Review and Withdraw the June 29, 2007, Office of Legal Counsel Memorandum re: RFRA. Restore Executive Order 11246. Support the critical work of the Civil Rights Division at the Department of Justice (DOJ) and the Office of Civil Rights (OCR) at the Department of Education (ED) to enforce civil rights laws, including Title IXs protections against sex discrimination in educational programs receiving federal funds. Support HR 360 / S 186. Support H.R. 1755 / S. 815. Support restoring and expanding Sections 4 and 5 of the Voting Rights Act of 1965 post-Shelby v. Holder. Support Moore amendment to HR 2217, increasing the amount provided to the Office of the Secretary of DHS by $3.3 million in FY 2014, with the intention of restoring the Office of Civil Rights and Liberties to Fiscal year 2013 levels. Support laws and regulations to re-enfranchise ex-felony offenders. Ask Members of Congress not to suport the politics of hatred and bigotry as espoused by the Voters Values Summit by speaking at their annual conference. Support H.R. 2479, the Housing Opportunities Made Equal (HOME) Act. Support a robust public financing measure. Support S. 1150 / H.R. 3097, legislation to posthumously award a congressional gold medal to Judge Constance Baker Motley. Support S. 815, The Employment Non-Discrimination Act (ENDA)Support Robert Wilkins' nomination to serve on the US Court of Appeals for the DC Circut. Support the Democracy Restoration Act (H.R. 4459 / S. 2235). Support full staffing of the Election Assistance Commission. Support Tom Hicks and Myrna Perez for EAC Commissioners. Support H.R. 4123. Support ensuring that upcoming legislation to reform our nations housing finance system will create a system that serves all qualified borrowers in a fair, non-discriminatory fashion. In the era of "big data", support the basic concepts including: Stop High-Tech Profiling; Ensure Fairness in Automated Decisions; Preserve Constitutional Principles; Enhance Individual Control of Personal Information; and protect people from inaccurate data. Support S. 1945 / H.R. 3899 with strengthening amendments Support efforts to inspire the Redskins football team to change its name. Support HR 3530. Support the Conyers (MI) Civil Rights amendment to HR 4138

Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support S. 673 Support Rich Cordray as Director of CFPB.Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose H. R. 1077 / S. 949. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Oppose H.R. 3211. Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support S. 1150 / H.R. 3097, legislation to posthumously award a congressional gold medal to Judge Constance Baker Motley. Support the proposed "Qualified Mortgage" rule as written by the Consumer Financial Protection Bureau. Support the Consumer Financial Protection Bureau on its recent guidance on indirect auto lending. Strongly support adopting the same standards for Qualified Residential Mortgages as they have for Qualified Mortgage loans. Oppose HR 2385; oppose HR 2446; oppose the Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013; oppose H.R. 3193; oppose H.R. 3183; oppose H.R. 2571. Support the Ability to Repay standard and its implementation.Oppose H.R. 3519, the Bureau of Consumer Financial Protection Accountability and Transparency Act. Oppose H.R. 2446, the mis-named Responsible Consumer Financial Protection Regulations Act. Oppose H.R. 1077 / S. 1577 / H.R.2767 / H.R.3211 / S.949 Support any future housing finance system affirmatively establishing pathways to sustainable and affordable homeownership for a wide range of qualified buyers as well as assure an adequate supply of safe and affordable rental homes. Support Affordable Housing Goals and a duty to serve. Support Janet Yellen to serve as Chairwoman of the Board of Governors of the Federal Reserve System. Oppose HR 3193, HR 2385, HR 2446, H.R. 3519, and H.R. 2571 Support reform of the debt collection industry to improve remedies; require documentation about the debt; Require Retention of and Access to Information about Debt Collection Efforts and the Consumer; Adopt Clear Responsibility for Ensuring Collectors Have Complete Information; Require Documentation to Initiate Suit; Prohibit Abusive, Deceptive, Unfair and Harassing Debt Collection Activities by Creditors as well as Collectors; Limit the Number of Telephone Contacts Per Week; Require Collectors to Honor Oral Requests to Cease Communication; Mandate a Simpler Notice of the Right to Verification and to Cease Communication; Mandate Itemization and Meaningful Investigations of Disputes; Stop Collection of Time-Barred Debt; Prevent Abuses of Credit Reports; Protect the Privacy of Servicemembers and Other Consumers; Protect Consumers in Medical Debt Collections; Protect Consumers in Student Loan Debt Collections; and Ban enforcement of forced arbitration clauses when consumers assert claims of illegal debt collection. Support the proposed diversity standards included in the Agencies' Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and Request for Comment. Support Brown (OH) amendment to section 803 of S. 1217. This amendment will significantly improve how servicing is done. In regards to GSE reform, we urged the committe to not provide FMIC insurance to purely private capital markets deals; to ensure strong equity requirements for guarantors; to ensure the new system can serve all regions and eligible borrowers before flipping the switch; to provide pricing transparency and standardization for consumers; to uphold the principles of fair housing and fair lending; to permit more flexibility for the down payment requirement; do not limit the system to QM loans as defined by the CFPB; to facilitate effective loss mitigation by loan servicers; simplify the market-based incentive to provide access to underserved markets; broaden the funding base to provide adequate funding for the Market Access Fund; ensure that FMIC and its offices can collect and use data from market participants to further the purposes of the Act and provide adequate public disclosure; and any down payment requirement must be flexible and established by the regulators. Support the Menendez (NJ) amendment to S. 1217 to address a number of fair housing issues related to the proposed new housing finance system. Support the Federal Housing Finance Agency moving expeitiously toward implementing the Enterprise duty to serve rule as mandated by the Housing and Economic Recovery Act of 2008. Support H.R. 3543 / S. 1761, the Permanently Protecting Tenants at Foreclosure Act. Oppose bringing S. 1217 to the full Senate floor for consideration.Support President Obama nominating new Governors for the two open seats on the Federal Reserve Board who will strongly and effectively represent Main Street, and the aspirations for stability and financial progress of hard working families across the country. Oppose H.R. 3389, H.R. 4262, H.R. 4383, H.R. 4539, H.R. 4604, H.R. 3770, H.R. 4684, H.R. 4662, and the Bureau Examination Fairness Act Support HR 5130. Support an FHFA reversal of the GSE policy on principal reduction. Support the Consumer Financial Protection Bureaus proposed national telephone survey of 1,000 credit card holders as part of its study of pre-dispute binding mandatory (or forced) arbitration. Applaud the CFPB or the substantive work of its staff in developing the Preliminary Results of the Section 1028 Arbitration Study, and for identifying important issues for further study. As the Bureaus research continues, we urge a special focus on the impact of class mandatory arbitration clauses on the ability of individuals to vindicate their rights to a financial marketplace free of discrimination.

Oppose any amendment to H.Res. 8, the Budget resolution, creating a private school voucher or tuition tax credit program. Support the Student Non-Discrimination Act. Support HR 285, Support HR 40 , Suport HR 337, Support S. 84Urge the Census Bureau to end prison-based gerrymandering. Oppose Vitter amendment to S Con Res 8 regarding photo identification requirements for voters. Support HR 12, Support S. 123 Support HR 281 Oppose HR 140 Support HR 280 Support re-enfranchiement of ex-felony offenders. Oppose S. 624. Support the End Racial Profiling Act, S. 1038. Support President Obamas Executive Order 13559. Support an end to federally funded employment discrimination. Review and Withdraw the June 29, 2007, Office of Legal Counsel Memorandum re: RFRA. Restore Executive Order 11246. Support the critical work of the Civil Rights Division at the Department of Justice (DOJ) and the Office of Civil Rights (OCR) at the Department of Education (ED) to enforce civil rights laws, including Title IXs protections against sex discrimination in educational programs receiving federal funds. Support HR 360 / S 186. Support H.R. 1755 / S. 815. Support restoring and expanding Sections 4 and 5 of the Voting Rights Act of 1965 post-Shelby v. Holder. Support Moore amendment to HR 2217, increasing the amount provided to the Office of the Secretary of DHS by $3.3 million in FY 2014, with the intention of restoring the Office of Civil Rights and Liberties to Fiscal year 2013 levels. Support laws and regulations to re-enfranchise ex-felony offenders. Ask Members of Congress not to suport the politics of hatred and bigotry as espoused by the Voters Values Summit by speaking at their annual conference. Support H.R. 2479, the Housing Opportunities Made Equal (HOME) Act. Support a robust public financing measure. Support S. 1150 / H.R. 3097, legislation to posthumously award a congressional gold medal to Judge Constance Baker Motley. Support S. 815, The Employment Non-Discrimination Act (ENDA)Support Robert Wilkins' nomination to serve on the US Court of Appeals for the DC Circut. Support the Democracy Restoration Act (H.R. 4459 / S. 2235). Support full staffing of the Election Assistance Commission. Support Tom Hicks and Myrna Perez for EAC Commissioners. Support H.R. 4123. Support ensuring that upcoming legislation to reform our nations housing finance system will create a system that serves all qualified borrowers in a fair, non-discriminatory fashion. In the era of "big data", support the basic concepts including: Stop High-Tech Profiling; Ensure Fairness in Automated Decisions; Preserve Constitutional Principles; Enhance Individual Control of Personal Information; and protect people from inaccurate data. Support S. 1945 / H.R. 3899 with strengthening amendments Support efforts to inspire the Redskins football team to change its name

Oppose any amendment to H.Res. 8, the Budget resolution, creating a private school voucher or tuition tax credit program. Support the Student Non-Discrimination Act. Support HR 285, Support HR 40 , Suport HR 337, Support S. 84Urge the Census Bureau to end prison-based gerrymandering. Oppose Vitter amendment to S Con Res 8 regarding photo identification requirements for voters. Support HR 12, Support S. 123 Support HR 281 Oppose HR 140 Support HR 280 Support re-enfranchiement of ex-felony offenders. Oppose S. 624. Support the End Racial Profiling Act, S. 1038. Support President Obamas Executive Order 13559. Support an end to federally funded employment discrimination. Review and Withdraw the June 29, 2007, Office of Legal Counsel Memorandum re: RFRA. Restore Executive Order 11246. Support the critical work of the Civil Rights Division at the Department of Justice (DOJ) and the Office of Civil Rights (OCR) at the Department of Education (ED) to enforce civil rights laws, including Title IXs protections against sex discrimination in educational programs receiving federal funds. Support HR 360 / S 186. Support H.R. 1755 / S. 815. Support restoring and expanding Sections 4 and 5 of the Voting Rights Act of 1965 post-Shelby v. Holder. Support Moore amendment to HR 2217, increasing the amount provided to the Office of the Secretary of DHS by $3.3 million in FY 2014, with the intention of restoring the Office of Civil Rights and Liberties to Fiscal year 2013 levels. Support laws and regulations to re-enfranchise ex-felony offenders. Ask Members of Congress not to suport the politics of hatred and bigotry as espoused by the Voters Values Summit by speaking at their annual conference. Support H.R. 2479, the Housing Opportunities Made Equal (HOME) Act. Support a robust public financing measure. Support S. 1150 / H.R. 3097, legislation to posthumously award a congressional gold medal to Judge Constance Baker Motley. Support S. 815, The Employment Non-Discrimination Act (ENDA)Support Robert Wilkins' nomination to serve on the US Court of Appeals for the DC Circut. Support the Democracy Restoration Act (H.R. 4459 / S. 2235). Support full staffing of the Election Assistance Commission. Support Tom Hicks and Myrna Perez for EAC Commissioners. Support H.R. 4123. Support ensuring that upcoming legislation to reform our nations housing finance system will create a system that serves all qualified borrowers in a fair, non-discriminatory fashion. In the era of "big data", support the basic concepts including: Stop High-Tech Profiling; Ensure Fairness in Automated Decisions; Preserve Constitutional Principles; Enhance Individual Control of Personal Information; and protect people from inaccurate data. Support S. 1945 / H.R. 3899 with strengthening amendments

Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support S. 673 Support Rich Cordray as Director of CFPB.Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose H. R. 1077 / S. 949. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Oppose H.R. 3211. Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support S. 1150 / H.R. 3097, legislation to posthumously award a congressional gold medal to Judge Constance Baker Motley. Support the proposed "Qualified Mortgage" rule as written by the Consumer Financial Protection Bureau. Support the Consumer Financial Protection Bureau on its recent guidance on indirect auto lending. Strongly support adopting the same standards for Qualified Residential Mortgages as they have for Qualified Mortgage loans. Oppose HR 2385; oppose HR 2446; oppose the Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013; oppose H.R. 3193; oppose H.R. 3183; oppose H.R. 2571. Support the Ability to Repay standard and its implementation.Oppose H.R. 3519, the Bureau of Consumer Financial Protection Accountability and Transparency Act. Oppose H.R. 2446, the mis-named Responsible Consumer Financial Protection Regulations Act. Oppose H.R. 1077 / S. 1577 / H.R.2767 / H.R.3211 / S.949 Support any future housing finance system affirmatively establishing pathways to sustainable and affordable homeownership for a wide range of qualified buyers as well as assure an adequate supply of safe and affordable rental homes. Support Affordable Housing Goals and a duty to serve. Support Janet Yellen to serve as Chairwoman of the Board of Governors of the Federal Reserve System. Oppose HR 3193, HR 2385, HR 2446, H.R. 3519, and H.R. 2571 Support reform of the debt collection industry to improve remedies; require documentation about the debt; Require Retention of and Access to Information about Debt Collection Efforts and the Consumer; Adopt Clear Responsibility for Ensuring Collectors Have Complete Information; Require Documentation to Initiate Suit; Prohibit Abusive, Deceptive, Unfair and Harassing Debt Collection Activities by Creditors as well as Collectors; Limit the Number of Telephone Contacts Per Week; Require Collectors to Honor Oral Requests to Cease Communication; Mandate a Simpler Notice of the Right to Verification and to Cease Communication; Mandate Itemization and Meaningful Investigations of Disputes; Stop Collection of Time-Barred Debt; Prevent Abuses of Credit Reports; Protect the Privacy of Servicemembers and Other Consumers; Protect Consumers in Medical Debt Collections; Protect Consumers in Student Loan Debt Collections; and Ban enforcement of forced arbitration clauses when consumers assert claims of illegal debt collection. Support the proposed diversity standards included in the Agencies' Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and Request for Comment

Oppose any amendment to H.Res. 8, the Budget resolution, creating a private school voucher or tuition tax credit program. Support the Student Non-Discrimination Act. Support HR 285, Support HR 40 , Suport HR 337, Support S. 84Urge the Census Bureau to end prison-based gerrymandering. Oppose Vitter amendment to S Con Res 8 regarding photo identification requirements for voters. Support HR 12, Support S. 123 Support HR 281 Oppose HR 140 Support HR 280 Support re-enfranchiement of ex-felony offenders. Oppose S. 624. Support the End Racial Profiling Act, S. 1038. Support President Obamas Executive Order 13559. Support an end to federally funded employment discrimination. Review and Withdraw the June 29, 2007, Office of Legal Counsel Memorandum re: RFRA. Restore Executive Order 11246. Support the critical work of the Civil Rights Division at the Department of Justice (DOJ) and the Office of Civil Rights (OCR) at the Department of Education (ED) to enforce civil rights laws, including Title IXs protections against sex discrimination in educational programs receiving federal funds. Support HR 360 / S 186. Support H.R. 1755 / S. 815. Support restoring and expanding Sections 4 and 5 of the Voting Rights Act of 1965 post-Shelby v. Holder. Support Moore amendment to HR 2217, increasing the amount provided to the Office of the Secretary of DHS by $3.3 million in FY 2014, with the intention of restoring the Office of Civil Rights and Liberties to Fiscal year 2013 levels. Support laws and regulations to re-enfranchise ex-felony offenders. Ask Members of Congress not to suport the politics of hatred and bigotry as espoused by the Voters Values Summit by speaking at their annual conference. Support H.R. 2479, the Housing Opportunities Made Equal (HOME) Act. Support a robust public financing measure. Support S. 1150 / H.R. 3097, legislation to posthumously award a congressional gold medal to Judge Constance Baker Motley. Support S. 815, The Employment Non-Discrimination Act (ENDA)

Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support S. 673 Support Rich Cordray as Director of CFPB.Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose H. R. 1077 / S. 949. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Oppose H.R. 3211. Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support S. 1150 / H.R. 3097, legislation to posthumously award a congressional gold medal to Judge Constance Baker Motley. Support the proposed "Qualified Mortgage" rule as written by the Consumer Financial Protection Bureau. Support the Consumer Financial Protection Bureau on its recent guidance on indirect auto lending. Strongly support adopting the same standards for Qualified Residential Mortgages as they have for Qualified Mortgage loans. Oppose HR 2385; oppose HR 2446; oppose the Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013; oppose H.R. 3193; oppose H.R. 3183; oppose H.R. 2571. Support the Ability to Repay standard and its implementation.Oppose H.R. 3519, the Bureau of Consumer Financial Protection Accountability and Transparency Act. Oppose H.R. 2446, the mis-named Responsible Consumer Financial Protection Regulations Act. Oppose H.R. 1077 / S. 1577 / H.R.2767 / H.R.3211 / S.949 Support any future housing finance system affirmatively establishing pathways to sustainable and affordable homeownership for a wide range of qualified buyers as well as assure an adequate supply of safe and affordable rental homes. Support Affordable Housing Goals and a duty to serve.

Agriculture Reform, Food & Jobs Act of 2012 (S. 3240); Federal Agriculture Reform & Risk Management Act of 2012 (H.R. 6083); H.R. 3199-to provide comprehensive assessment of the scientific and technical research on the implications of the use of mid-level ethanol blends; E-15 & Renewable Fuels Standard (RFS); Fuel Standard Flexibility Act (H.R. 3097)

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

Government targets: Agriculture, Dept of (USDA), Environmental Protection Agency (EPA), Federal Motor Carrier Safety Administration, Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE, Transportation, Dept of (DOT)

Oppose any amendment to H.Res. 8, the Budget resolution, creating a private school voucher or tuition tax credit program. Support the Student Non-Discrimination Act. Support HR 285, Support HR 40 , Suport HR 337, Support S. 84Urge the Census Bureau to end prison-based gerrymandering. Oppose Vitter amendment to S Con Res 8 regarding photo identification requirements for voters. Support HR 12, Support S. 123 Support HR 281 Oppose HR 140 Support HR 280 Support re-enfranchiement of ex-felony offenders. Oppose S. 624. Support the End Racial Profiling Act, S. 1038. Support President Obamas Executive Order 13559. Support an end to federally funded employment discrimination. Review and Withdraw the June 29, 2007, Office of Legal Counsel Memorandum re: RFRA. Restore Executive Order 11246. Support the critical work of the Civil Rights Division at the Department of Justice (DOJ) and the Office of Civil Rights (OCR) at the Department of Education (ED) to enforce civil rights laws, including Title IXs protections against sex discrimination in educational programs receiving federal funds. Support HR 360 / S 186. Support H.R. 1755 / S. 815. Support restoring and expanding Sections 4 and 5 of the Voting Rights Act of 1965 post-Shelby v. Holder. Support Moore amendment to HR 2217, increasing the amount provided to the Office of the Secretary of DHS by $3.3 million in FY 2014, with the intention of restoring the Office of Civil Rights and Liberties to Fiscal year 2013 levels. Support laws and regulations to re-enfranchise ex-felony offenders. Ask Members of Congress not to suport the politics of hatred and bigotry as espoused by the Voters Values Summit by speaking at their annual conference. Support H.R. 2479, the Housing Opportunities Made Equal (HOME) Act. Support a robust public financing measure. Support S. 1150 / H.R. 3097, legislation to posthumously award a congressional gold medal to Judge Constance Baker Motley.

Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support S. 673 Support Rich Cordray as Director of CFPB.Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose H. R. 1077 / S. 949. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Oppose H.R. 3211. Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support S. 1150 / H.R. 3097, legislation to posthumously award a congressional gold medal to Judge Constance Baker Motley.

Agriculture Reform, Food & Jobs Act of 2012 (S. 3240); Federal Agriculture Reform & Risk Management Act of 2012 (H.R. 6083); H.R. 3199-to provide comprehensive assessment of the scientific and technical research on the implications of the use of mid-level ethanol blends; E-15 & Renewable Fuels Standard (RFS); Fuel Standard Flexibility Act (H.R. 3097)

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

Government targets: Agriculture, Dept of (USDA), Environmental Protection Agency (EPA), Federal Motor Carrier Safety Administration, Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE, Transportation, Dept of (DOT)