Homeowners Flood Insurance Relief Act of 2013

Effort to reauthorize the Terrorism Risk Insurance Act of 2007 in U.S. Senate, all provisions Homeowners and Taxpayers Protection Act of 2013 - H.R. 1101, all provisions Safe Building Code Incentive Act of 2013- H.R. 1878/ S. 924, all provisionsA bill to direct the General Accountability Office to conduct a full audit of hurricane protection funding and cost estimates associated with post-Katrina hurricane protection S. 105, all provisions Disaster Savings Account Act of 2013 - H.R. 3298, all provisions The Flood Insurance Affordability Act of 2013 - S. 1610, all provisions The Flood Insurance Affordability Act of 2013 - S. 1846, all provisions Flood Insurance Affordability Act of 2013 - H.R. 3511, all provisions Flood Insurance Affordability Act of 2013 - H.R. 3370, all provisions Flood Insurance Relief and Transparency Act of 2013 - H.R. 3693, all provisions Homeowners Flood Insurance Relief Act of 2013 - H.R. 3312, all provisions Disaster Savings Accounts Act of 2013 - H.R. 3989/ S. 1991, all provisions Disaster Savings and Resilient Construction Act of 2013 - H.R. 2241, all provisions National Windstorm Impact Reduction Act Reauthorization of 2013 - H.R. 1786, all provisions Flood Insurance Market Parity and Modernization Act of 2014 - H.R. 4558, all provisions

Client expense: $390,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

Please see addendum.Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs proposed rule on credit union service organizations Issues related to NCUAs rule on net worth and bargain purchase agreements Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs proposed rule regarding loan participations Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to derivatives and NCUAs proposed rule related to credit union use of derivatives Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues related to NCUAs Minority Depository Institution program Issues relating to home-based credit unions Issues related to NCUAs Appraisal Management Company proposal Issues related to NCUAs risk-based capital proposal Issues related to the Johnson-Crapo Housing Finance Reform proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to Ginnie Mae capital Issues related to the nomination of J. Mark McWatters to be a member of the National Credit Union Administration Board Issues related to a discussion draft of legislation entitled, The Bureau Guidance Transparency Act Issues related to a discussion draft of legislation entitled, Preventing Regulatory Abuse Act of 2014 Issues related to a discussion draft of legislation entitled, Bureau Examination Fairness Act Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System.H.R. 450, Bureau of Consumer Financial Protection Accountability Act, all provisions H.R. 688, Credit Union Small Business Jobs Creation Act of 2013, all provisions H.R. 719, Capital Access for Small Businesses and Jobs Act of 2013, all provisions H.R. 736, Responsible Homeowner Refinancing Act of 2013, all provisions H.R. 749, Eliminate Privacy Notice Confusion Act of 2013, all provisions H.R. 801, Holding Company Registration Threshold Equalization Act of 2013, all provisions H.R. 839, Prompt Notification of Short Sale Act, all provisions H.R. 861, Elder Abuse Victims Act of 2013, all provisions H.R. 927, Common Sense Economic Recovery Act of 2013, all provisions H.R. 1077, Consumer Mortgage Choice Act H.R. 1255, Home Construction Lending Regulatory Improvement Act of 2013, all provisions H.R. 1261, Overdraft Protection Act of 2013, all provisions H.R. 1538, a bill to provide incentives to encourage financial institutions and small businesses to provide continuing financial education to customers, borrowers and employees, all provisions H.R. 1553, Financial Institution Examination Fairness and Reform Act, all provisions H.R. 1566, a bill to create a Federal Charter for Internet consumer credit corporations, all provisions H.R. 1603, a bill to support and promote community financial institutions in the mutual form, all provisions H.R. 1646, a bill to amend the Federal Credit Union Act to provide an exception from the member business loan cap for loans made to aid in the recovery from a disaster, all provisions H.R. 1694, a bill to allow the Secretary of Treasury to rely on State examinations for certain financial institutions, all provisions H.R. 1750, the CLEAR Relief Act, all provisions H.R. 1754, Preserving American Homeownership Act of 2013, all provisions H.R. 1779, Preserving Access to Manufactured Housing Act of 2013, all provisions H.R. 1862, Capital Access for Small Community Financial Institutions, all provisions H.R. 2136, Small Business Credit Availability Act, all provisions H.R. 2295, Basel III CASE Act, all provisions H.R. 2379, Qualified Mortgage Loan Originator Transitional Authority Act, all provisions H.R. 2419, a bill to amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, all provisions H.R. 2512, a bill to amend the Truth in Lending Act to establish clear regulatory standards for mortgage servicers, all provisions H.R. 2547, a bill to determine appropriate risk based capital requirements for community, mid-size, and regional institutions, all provisions H.R. 2561, a bill to provide for the removal of default information form a borrowers credit report with respect to certain rehabilitated education loans, all provisions H.R. 2571, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act to require the Bureau of Consumer Financial Protection to notify and obtain permission from consumers before collecting nonpublic personal information about such consumers, all provisions H.R. 2572, a bill to improve the regulation of credit unions and depository institutions and to provide regulatory relief, all provisions H.R. 2580, a bill to allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters, all provisions H.R. 2652, Marijuana Businesses Access to Banking Act of 2013 H.R. 2672, CFPB Rural Designation Petition and Correction Act H.R. 2673, the Portfolio Lending Mortgage Access Act, all provisions H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013 H.R. 2816, To extend the pilot program under section 258 of the National Housing Act that establishes an automated process for providing alternative credit rating information for mortgagors and prospective mortgagors under certain mortgages. H.R. 2917, Financial Security Credit Act of 2013 H.R. 2961, To amend the Truth in Lending Act and the Higher Education Act of 1965 to require additional disclosures and protections for students and cosigners with respect to student loans, and for other purposes. H.R. 3036, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes.H.R. 3137, Freedom and Mobility in Consumer Banking Act, all provisions H.R. 3310, Annuity Safety and Security under Reasonable Enforcement Act, all provisions H.R. 3312, Homeowners Flood Insurance Relief Act, all provisions H.R. 3317, Holding Individual Accountable and Deterring Money Laundering Act, all provisions H.R. 3329, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, all provisions. H.R. 3370, Homeowner Flood Insurance Affordability Act, all provisions H.R. 3374, the American Savings Promotion Act, all provisions H.R. 3468, the Credit Union Share Insurance Parity Act, all provisions H.R. 3584, a bill to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, all provisions H.R. 4042, Community Bank Mortgage Servicing Asset Capital Requirements Study Act, all provisions H.R. 4226, Credit Union Residential Loan Parity Act, all provisions H.R. 4466, the Financial Regulatory Clarity Act of 2014 H.R. 4521, the Community Institution Mortgage Relief Act, all provisions H.R. 4626, the SAFE Act Confidentiality and Privilege Enhancement Act, all provisions H.R. 4804, the Bureau Examination Fairness Act, all provisions H.R. 4986, End Operation Choke Point Act, all provisions H.R. 5148, Access to Affordable Mortgages Act, all provisions H.R. 5403, Reforming CFPB Indirect Auto Financing Guidance Act, all provisions H.R. 5461, a Bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes, Title II and Title III. Kildee Amendment to H.R. 1960, National Defense Authorization Act, related to disclosures required under the Military Lending Act S. 113, Know Before You Owe Private Student Loan Act, all provisions S. 114, Fairness for Struggling Student Act, all provisions S. 172, Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2013, all provisions S. 187, Deceptive Loan Check Elimination Act, all provisions S. 205, Responsible Consumer Financial Protection Regulations Act of 2013, all provisions S. 249, Responsible Homeowner Refinancing Act of 2013, all provisions S. 361, Prompt Notification of Short Sale Act of 2013, all provisions S. 450, Financial Regulatory Responsibility Act of 2013, all provisions S. 451, a bill to make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions S. 563, Jumpstart GSE Reform Act, all provisions S. 635, Privacy Notice Modernization Act of 2013, all provisions S. 673, Protecting Consumers from Unreasonable Credit Rates Act, all provisions S. 676, Identity Theft and Tax Fraud Prevention Act of 2013, all provisions S. 727, Financial Institutions Examination Fairness and Reform Act, all provisions S. 731, Basel III CASE Act, all provisions S. 733, Basel III Impact Study Act, all provisions S. 798, Terminating Bailouts for Taxpayer Fairness Act, all provisions S. 872, Holding Company Registration Threshold Equalization Act, all provisions S. 947, SAFE Act Confidentiality and Privilege Enhancement Act, all provisions S. 968, Small Business Lending Enhancement Act, all provisions S. 985, a bill to repeal certain provisions of the Gramm-Leach-Bliley Act and revive the separation between commercial banking and the securities business, in the manner provided in the Banking Act of 1933, the so-called Glass-Steagall Act, all provisions S. 996, a bill to improve the National Flood Insurance Program, all provisions S. 1002, Home Building Lending Improvement Act, all provisions S. 1048, the Mortgage Finance Act, all provisionsS. 1098, a bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership, all provisions S. 1176, a bill to impose a fine with respect to international remittance transfers if the sender is unable to verify legal status in the United States, all provisions S. 1217, Housing Finance Reform and Taxpayer Protection Act, all provisions S. 1229, a bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, all provisions S. 1282, 21st Century Glass-Steagall Act of 2013 S. 1349, a bill 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. S. 1511, the Mortgage Choice Act, all provisions S. 1534, Freedom and Mobility in Consumer Banking Act, all provisions S. 1538, FIX Credit Reporting Errors Act, all provisions S. 1577, Mortgage Choice Act, all provisions S. 1597, the American Savings Promotion Act, all provisions S. 1610, Homeowner Flood Insurance Affordability Act, all provisions S. 1806, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions, all provisions S. 1867, Prepaid Card Consumer Protection Act of 2013, all provisions S. 1916, the HELP Rural Communities Act, all provisions S. 2641, the Portfolio Lending Enhancement Act, all provisions S. 2698, the Regulatory Easement for Lending Institutions Act, Title II and Title III. S. 2699, a Bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. S. Res. 105, a resolution designating April 2013 as Financial Literacy Month Johnson / Crapo amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions Moran / Manchin amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions Toomey / Coburn amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions

Insurance Regulatory Reform-Implementation of the "Dodd Frank Wall Street Reform & Consumer Protection Act" (Regulations) "Dodd Frank Wall Street Reform & Consumer Protection Act" - overhauls regulation of federal markets(not yet in legislative form) A bill to facilitate implementation of Title VII of the Dodd Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption-changes effective dates and studies Title VII of Dodd-Frank Act(not yet in legislPub L 111-203- Dodd-Frank Wall Street Reform and Consumer Protection Act - To exempt inter-affiliate swaps from certain regulatory requirements HR 41 - A bill to increase the borrowing authority for the "NFIP" HR 982 - FACT Act - "Furthering Asbestos Claim Transparency (FACT) Act of 2013" - "Amends title 11 of the US code to require the public disclosure by trusts established under section 524(g) of such title, of quarterly reports that contain detailed information regarding receipt and disposition of claims for injuries based on exposure to asbestos and for other purposes HR 508 - Terrorism Risk Insurance Act (TRIA) - requires commercial insurers to provide terrorism risk coverage, reauthorizes the program for 5 years Disaster mitigation proposals (not in bill form) HR 1309 - "Flood Insurance reform Act of 2011" - reauthorizes and reforms National Flood Insurance Program HR 1064 / S 534 - NARAB II - National Association of Registered Agents and Brokers Reform Act of 2011-A bill to reform the National Association of Registered Agents and Brokers and for other purposes (NARAB II), would establish a federal licensing clearinghouse for insurance agents who operate in multiple states USPS 5 day delivery and postal reform proposals (not in bill form) HR 4348 - "MAP-21/Transportation and NFIP Conference Report" - reauthorizes federal transportation and safety programs and reforms and reauthorizes the NFIP fo 5 years HR 1945- "Fostering Resilience to Terrorism Act of 2013"-to extend the Terrorism Risk Insurance program of the Department of Treasury for 10 years, and for other purposes. Program expires on December 31, 2014 HR 2146-"Terrorism Risk Insurance Program Reauthorization Act of 2013" to extend the Terrorism Risk program of the Department of the Treasury for 10 years. Extends the Program through December 31, 2024 S 996-Strengthen, Modernize and Reform the National Flood Insurance Program(SMART NFIP) Act-"A bill to improve the National Flood Insurance Program and for other purposes" HR 1035-"To require a study of voluntary community based flood insurance options and how such options could be incorporated into the national flood insurance program, and for other purposes" Directs the Administer of FEMA to study and report to Congress on options, methods, and strategies HR 2199-"The Flood Insurance Implementation Reform Act of 2013"-to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012. Bill would delay the premium increase by 3 years after the enactment of the bill S 1075-"The Saving Homeowners from Onerous Rate Escalations of 2013 SHORE Act of 2013"-a bill to extend the phase-in of actuarial rates for flood insurance for certain properties under Biggert-Waters Flood Insurance Reform Act of 2102-would help homeowners avoid steep increases in premiums H AMDt. 121 to HR 2217-An amendment to prohibit the use of funds to implement, carry out, administer, or enforce section 1308 (h) of the NFIA of 1968 (42 U.S.C. 4015(h)). An amendment to the Department of Homeland Security Appropriations Act, 2014. Delays the premium increase for one year HR 2140 "Insurance Capital and Accounting Standards Act of 2013"- a bill to permit insurance companies that are depositoryholding companies, or are subsidaries of depository holding companies, to comply with the accounting and capital requirements applicable to the insurance company under State law, and for other purposes S 1369 A bill to provide flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes HR 1194 - ""National Flood Insurance Program Termination Act of 2013"- to terminate the National Flood Insurance Program and related mandatory purchase and compliance requirements S 601- "Water Resources Development Act of 2013"-to provide for the conservation and development of water and related resources, to authorize the Secretary of the Army to construct various projects for improvements to rivers and harbors of the United States, and for other purposes HR 3380-"A bill to delay NFIP Rate Increases until FEMA Maps are Updated"-would delay the flood insurance rate increases mandated in the 2012 Biggert-Waters Act HR 3013-"Home Protection Act of 2013"-A bill to reform the NFIP, and for other purposes HR 3156/S.1098-"Responsible Implementation of Flood Insurance Reform Act of 2013"- would reform the Biggert-Waters Flood Insurance Act of 2012 to responsibly protect home ownership HR 3218-A bill to delay increases in flood insurance premium rates under the NFIP until completion of the pending study for the affordability of rates, and for congressional consideration of reforms to make such rates affordable HR 3312-"Homeowners Flood Insurance Relief Act of 2013"-would require the administrator of FEMA to allow monthly installment payments for flood insurance under the NFIP Act of 1968 HR 3370/S.1610-"Homeowner Flood Insurance Affordability Act of 2013"-would delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes HR 3696 "National Cybersecurity and Critical Infrastructure Protection Act of 2013" Amends the Homeland Security Act of 2002 S 1846 - Homeowner Flood Insurance Affordability Act of 2013 S 1926 - A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 HR 4871-TRIA Reform Act of 2014-to reauthorize the Terrorism Risk Insurance Act of 2002 for 5 years and for other purposes S 2244-Terrorism Risk Insurance Program Reauthorization Act of 2014-Amends TRIA 2002 to extend the Terrorism Insurance Program through December 31, 2021 HR 4510/S 2270 - Insurance Capital Standards Clarification Act of 2014 - Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act concerning establishment of minimum leverage and minimum risk-based capital requirements on a consolidated basis for a depository institution holding company or a nonbank financial company supervised by the Board of Governors of the Federal Reserve HR 4558 - Flood Insurance Market Parity and Modernization Act of 2014 - to clarify the authority of States to regulate private flood insurance coverage

Please see addendum.Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs proposed rule on credit union service organizations Issues related to NCUAs rule on net worth and bargain purchase agreements Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs proposed rule regarding loan participations Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to derivatives and NCUAs proposed rule related to credit union use of derivatives Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues related to NCUAs Minority Depository Institution program Issues relating to home-based credit unions Issues related to NCUAs Appraisal Management Company proposal Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to Ginnie Mae capital Issues related to the nomination of J. Mark McWatters to be a member of the National Credit Union Administration Board Issues related to a discussion draft of legislation entitled, The Bureau Guidance Transparency Act Issues related to a discussion draft of legislation entitled, Preventing Regulatory Abuse Act of 2014 Issues related to a discussion draft of legislation entitled, Bureau Examination Fairness Act Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point H.R. 450, Bureau of Consumer Financial Protection Accountability Act, all provisionsH.R. 688, Credit Union Small Business Jobs Creation Act of 2013, all provisions H.R. 719, Capital Access for Small Businesses and Jobs Act of 2013, all provisions H.R. 736, Responsible Homeowner Refinancing Act of 2013, all provisions H.R. 749, Eliminate Privacy Notice Confusion Act of 2013, all provisions H.R. 801, Holding Company Registration Threshold Equalization Act of 2013, all provisions H.R. 839, Prompt Notification of Short Sale Act, all provisions H.R. 861, Elder Abuse Victims Act of 2013, all provisions H.R. 927, Common Sense Economic Recovery Act of 2013, all provisions H.R. 1077, Consumer Mortgage Choice Act H.R. 1255, Home Construction Lending Regulatory Improvement Act of 2013, all provisions H.R. 1261, Overdraft Protection Act of 2013, all provisions H.R. 1538, a bill to provide incentives to encourage financial institutions and small businesses to provide continuing financial education to customers, borrowers and employees, all provisions H.R. 1553, Financial Institution Examination Fairness and Reform Act, all provisions H.R. 1566, a bill to create a Federal Charter for Internet consumer credit corporations, all provisions H.R. 1603, a bill to support and promote community financial institutions in the mutual form, all provisions H.R. 1646, a bill to amend the Federal Credit Union Act to provide an exception from the member business loan cap for loans made to aid in the recovery from a disaster, all provisions H.R. 1694, a bill to allow the Secretary of Treasury to rely on State examinations for certain financial institutions, all provisions H.R. 1750, the CLEAR Relief Act, all provisions H.R. 1754, Preserving American Homeownership Act of 2013, all provisions H.R. 1779, Preserving Access to Manufactured Housing Act of 2013, all provisions H.R. 1862, Capital Access for Small Community Financial Institutions, all provisions H.R. 2136, Small Business Credit Availability Act, all provisions H.R. 2295, Basel III CASE Act, all provisions H.R. 2379, Qualified Mortgage Loan Originator Transitional Authority Act, all provisions H.R. 2419, a bill to amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, all provisions H.R. 2512, a bill to amend the Truth in Lending Act to establish clear regulatory standards for mortgage servicers, all provisions H.R. 2547, a bill to determine appropriate risk based capital requirements for community, mid-size, and regional institutions, all provisions H.R. 2561, a bill to provide for the removal of default information form a borrowers credit report with respect to certain rehabilitated education loans, all provisions H.R. 2571, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act to require the Bureau of Consumer Financial Protection to notify and obtain permission from consumers before collecting nonpublic personal information about such consumers, all provisions H.R. 2572, a bill to improve the regulation of credit unions and depository institutions and to provide regulatory relief, all provisions H.R. 2580, a bill to allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters, all provisions H.R. 2652, Marijuana Businesses Access to Banking Act of 2013 H.R. 2672, CFPB Rural Designation Petition and Correction Act H.R. 2673, the Portfolio Lending Mortgage Access Act, all provisions H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013 H.R. 2816, To extend the pilot program under section 258 of the National Housing Act that establishes an automated process for providing alternative credit rating information for mortgagors and prospective mortgagors under certain mortgages. H.R. 2917, Financial Security Credit Act of 2013 H.R. 2961, To amend the Truth in Lending Act and the Higher Education Act of 1965 to require additional disclosures and protections for students and cosigners with respect to student loans, and for other purposes. H.R. 3036, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes. H.R. 3137, Freedom and Mobility in Consumer Banking Act, all provisionsH.R. 3310, Annuity Safety and Security under Reasonable Enforcement Act, all provisions H.R. 3312, Homeowners Flood Insurance Relief Act, all provisions H.R. 3317, Holding Individual Accountable and Deterring Money Laundering Act, all provisions H.R. 3329, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, all provisions. H.R. 3370, Homeowner Flood Insurance Affordability Act, all provisions H.R. 3374, the American Savings Promotion Act, all provisions H.R. 3468, the Credit Union Share Insurance Parity Act, all provisions H.R. 3584, a bill to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, all provisions H.R. 4226, Credit Union Residential Loan Parity Act, all provisions H.R. 4466, the Financial Regulatory Clarity Act of 2014 H.R. 4521, the Community Institution Mortgage Relief Act, all provisions Kildee Amendment to H.R. 1960, National Defense Authorization Act, related to disclosures required under the Military Lending Act S. 113, Know Before You Owe Private Student Loan Act, all provisions S. 114, Fairness for Struggling Student Act, all provisions S. 172, Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2013, all provisions S. 187, Deceptive Loan Check Elimination Act, all provisions S. 205, Responsible Consumer Financial Protection Regulations Act of 2013, all provisions S. 249, Responsible Homeowner Refinancing Act of 2013, all provisions S. 361, Prompt Notification of Short Sale Act of 2013, all provisions S. 450, Financial Regulatory Responsibility Act of 2013, all provisions S. 451, a bill to make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions S. 563, Jumpstart GSE Reform Act, all provisions S. 635, Privacy Notice Modernization Act of 2013, all provisions S. 673, Protecting Consumers from Unreasonable Credit Rates Act, all provisions S. 676, Identity Theft and Tax Fraud Prevention Act of 2013, all provisions S. 727, Financial Institutions Examination Fairness and Reform Act, all provisions S. 731, Basel III CASE Act, all provisions S. 733, Basel III Impact Study Act, all provisions S. 798, Terminating Bailouts for Taxpayer Fairness Act, all provisions S. 872, Holding Company Registration Threshold Equalization Act, all provisions S. 947, SAFE Act Confidentiality and Privilege Enhancement Act, all provisions S. 968, Small Business Lending Enhancement Act, all provisions S. 985, a bill to repeal certain provisions of the Gramm-Leach-Bliley Act and revive the separation between commercial banking and the securities business, in the manner provided in the Banking Act of 1933, the so-called Glass-Steagall Act, all provisions S. 996, a bill to improve the National Flood Insurance Program, all provisions S. 1002, Home Building Lending Improvement Act, all provisions S. 1048, the Mortgage Finance Act, all provisions S. 1098, a bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership, all provisions S. 1176, a bill to impose a fine with respect to international remittance transfers if the sender is unable to verify legal status in the United States, all provisions S. 1217, Housing Finance Reform and Taxpayer Protection Act, all provisions S. 1229, a bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, all provisions S. 1282, 21st Century Glass-Steagall Act of 2013 S. 1349, a bill 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.S. 1534, Freedom and Mobility in Consumer Banking Act, all provisions S. 1538, FIX Credit Reporting Errors Act, all provisions S. 1577, Mortgage Choice Act, all provisions S. 1597, the American Savings Promotion Act, all provisions S. 1610, Homeowner Flood Insurance Affordability Act, all provisions S. 1806, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions, all provisions S. 1867, Prepaid Card Consumer Protection Act of 2013, all provisions S. 1916, the HELP Rural Communities Act, all provisions S. Res. 105, a resolution designating April 2013 as Financial Literacy Month Johnson / Crapo amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions Moran / Manchin amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions Toomey / Coburn amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions

Effort to reauthorize the Terrorism Risk Insurance Act of 2007 in U.S. Senate, all provisions Homeowners and Taxpayers Protection Act of 2013 - HR 1101, all provisions Safe Building Code Incentive Act of 2013 - H.R. 1878/ S. 924, all provisionsA bill to direct the General Accountability Office to conduct a full audit of hurricane protection funding and cost estimates associated with post-Katrina hurricane protection S. 105, all provisions Disaster Savings Account Act of 2013 - H.R. 3298, all provisions The Flood Insurance Affordability Act of 2013 - S. 1610, all provisions The Flood Insurance Affordability Act of 2013 - S. 1846, all provisions Flood Insurance Affordability Act of 2013 - H.R. 3511, all provisions Flood Insurance Affordability Act of 2013 - H.R. 3370, all provisions Flood Insurance Relief and Transparency Act of 2013 - H.R. 3693, all provisions Homeowners Flood Insurance Relief Act of 2013 - H.R. 3312, all provisions Disaster Savings Accounts Act of 2013 - H.R. 3989/ S. 1991, all provisions Disaster Savings and Resilient Construction Act of 2013 - H.R. 2241, all provisions National Windstorm Impact Reduction Act Reauthorization of 2013 - H.R. 1786, all provisions Flood Insurance Market Parity and Modernization Act of 2014 - H.R. 4558, all provisions

Client expense: $420,000 · Firm income: Not reported

Effort to reauthorize the Terrorism Risk Insurance Act of 2007 in U.S. Senate, all provisions Homeowners and Taxpayers Protection Act of 2013 - HR 1101, all provisions Safe Building Code Incentive Act of 2013 - H.R. 1878/ S. 924, all provisionsA bill to direct the General Accountability Office to conduct a full audit of hurricane protection funding and cost estimates associated with post-Katrina hurricane protection S. 105, all provisions Disaster Savings Account Act of 2013 - H.R. 3298, all provisions The Flood Insurance Affordability Act of 2013 - S. 1610, all provisions The Flood Insurance Affordability Act of 2013 - S. 1846, all provisions Flood Insurance Affordability Act of 2013 - H.R. 3511, all provisions Flood Insurance Affordability Act of 2013 - H.R. 3370, all provisions Flood Insurance Relief and Transparency Act of 2013 - H.R. 3693, all provisions Homeowners Flood Insurance Relief Act of 2013 - H.R. 3312, all provisions Disaster Savings Accounts Act of 2013 - H.R. 3989/ S. 1991, all provisions Disaster Savings and Resilient Construction Act of 2013 - H.R. 2241, all provisions National Windstorm Impact Reduction Act Reauthorization of 2013 - H.R. 1786, all provisions Flood Insurance Market Parity and Modernization Act of 2014 - H.R. 4558, all provisions

Client expense: $420,000 · Firm income: Not reported

Insurance Regulatory Reform-Implementation of the "Dodd Frank Wall Street Reform & Consumer Protection Act" (Regulations) "Dodd Frank Wall Street Reform & Consumer Protection Act" - overhauls regulation of federal markets(not yet in legislative form) A bill to facilitate implementation of Title VII of the Dodd Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption-changes effective dates and studies Title VII of Dodd-Frank Act(not yet in legislPub L 111-203- Dodd-Frank Wall Street Reform and Consumer Protection Act - To exempt inter-affiliate swaps from certain regulatory requirements HR 41 - A bill to increase the borrowing authority for the "NFIP" HR 982 - FACT Act - "Furthering Asbestos Claim Transparency (FACT) Act of 2013" - "Amends title 11 of the US code to require the public disclosure by trusts established under section 524(g) of such title, of quarterly reports that contain detailed information regarding receipt and disposition of claims for injuries based on exposure to asbestos and for other purposes HR 508 - Terrorism Risk Insurance Act (TRIA) - requires commercial insurers to provide terrorism risk coverage, reauthorizes the program for 5 years Disaster mitigation proposals (not in bill form) HR 1309 - "Flood Insurance reform Act of 2011" - reauthorizes and reforms National Flood Insurance Program HR 1064 / S 534 - NARAB II - National Association of Registered Agents and Brokers Reform Act of 2011-A bill to reform the National Association of Registered Agents and Brokers and for other purposes (NARAB II), would establish a federal licensing clearinghouse for insurance agents who operate in multiple states USPS 5 day delivery and postal reform proposals (not in bill form) HR 4348 - "MAP-21/Transportation and NFIP Conference Report" - reauthorizes federal transportation and safety programs and reforms and reauthorizes the NFIP fo 5 years HR 1945- "Fostering Resilience to Terrorism Act of 2013"-to extend the Terrorism Risk Insurance program of the Department of Treasury for 10 years, and for other purposes. Program expires on December 31, 2014 HR 2146-"Terrorism Risk Insurance Program Reauthorization Act of 2013" to extend the Terrorism Risk program of the Department of the Treasury for 10 years. Extends the Program through December 31, 2024 S 996-Strengthen, Modernize and Reform the National Flood Insurance Program(SMART NFIP) Act-"A bill to improve the National Flood Insurance Program and for other purposes" HR 1035-"To require a study of voluntary community based flood insurance options and how such options could be incorporated into the national flood insurance program, and for other purposes" Directs the Administer of FEMA to study and report to Congress on options, methods, and strategies HR 2199-"The Flood Insurance Implementation Reform Act of 2013"-to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012. Bill would delay the premium increase by 3 years after the enactment of the bill S 1075-"The Saving Homeowners from Onerous Rate Escalations of 2013 SHORE Act of 2013"-a bill to extend the phase-in of actuarial rates for flood insurance for certain properties under Biggert-Waters Flood Insurance Reform Act of 2102-would help homeowners avoid steep increases in premiums H AMDt. 121 to HR 2217-An amendment to prohibit the use of funds to implement, carry out, administer, or enforce section 1308 (h) of the NFIA of 1968 (42 U.S.C. 4015(h)). An amendment to the Department of Homeland Security Appropriations Act, 2014. Delays the premium increase for one year HR 2140 "Insurance Capital and Accounting Standards Act of 2013"- a bill to permit insurance companies that are depositoryholding companies, or are subsidaries of depository holding companies, to comply with the accounting and capital requirements applicable to the insurance company under State law, and for other purposes S 1369 A bill to provide flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes HR 1194 - ""National Flood Insurance Program Termination Act of 2013"- to terminate the National Flood Insurance Program and related mandatory purchase and compliance requirements S 601- "Water Resources Development Act of 2013"-to provide for the conservation and development of water and related resources, to authorize the Secretary of the Army to construct various projects for improvements to rivers and harbors of the United States, and for other purposes HR 3380-"A bill to delay NFIP Rate Increases until FEMA Maps are Updated"-would delay the flood insurance rate increases mandated in the 2012 Biggert-Waters Act HR 3013-"Home Protection Act of 2013"-A bill to reform the NFIP, and for other purposes HR 3156/S.1098-"Responsible Implementation of Flood Insurance Reform Act of 2013"- would reform the Biggert-Waters Flood Insurance Act of 2012 to responsibly protect home ownership HR 3218-A bill to delay increases in flood insurance premium rates under the NFIP until completion of the pending study for the affordability of rates, and for congressional consideration of reforms to make such rates affordable HR 3312-"Homeowners Flood Insurance Relief Act of 2013"-would require the administrator of FEMA to allow monthly installment payments for flood insurance under the NFIP Act of 1968 HR 3370/S.1610-"Homeowner Flood Insurance Affordability Act of 2013"-would delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes HR 3696 "National Cybersecurity and Critical Infrastructure Protection Act of 2013" Amends the Homeland Security Act of 2002 S 1846 - Homeowner Flood Insurance Affordability Act of 2013 S 1926 - A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012

Effort to reauthorize the Terrorism Risk Insurance Act of 2007 in U.S. Senate, all provisions Flood Victim Premium Relief Act of 2013 H.R. 960, all provisions Homeowners and Taxpayers Protection Act of 2013 H.R. 1101, all provisionsFlood Mitigation Expense Relief Act of 2013 - H.R. 1268, all provisions Flood Insurance Premium Relief Act of 2013 - H.R. 1267, all provisions Safe Building Code Incentive Act of 2013 - H.R. 1878 / S. 924, all provisions Sandy Recovery Improvement Act of 2013 - H.R. 219, all provisions A bill to direct the General Accountability Office to conduct a full audit of hurricane protection funding and cost estimates assoiated with post-Katrina hurricane protection - S. 105, all provisions Disaster Savings Account Act of 2013 - H.R. 3298, all provisions The Flood Insurance Affordability Act of 2013 - S. 1610, all provisions The Flood Insurance Affordability Act of 2013 - S. 1846, all provisions Flood Insurance Affordability Act of 2013 - H.R. 3511, all provisions Flood Insurance Affordability Act of 2013 - H.R. 3370, all provisions Flood Insurance Relief and Transparency Act of 2013 - H.R. 3693, all provisions Homeowners Flood Insurance Relief Act of 2013 - H.R. 3312, all provisions

Client expense: $400,000 · Firm income: Not reported

Please see addendum.Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs proposed rule on credit union service organizations Issues related to NCUAs rule on net worth and bargain purchase agreements Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs proposed rule regarding loan participations Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to derivatives and NCUAs proposed rule related to credit union use of derivatives Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues related to NCUAs Minority Depository Institution program Issues relating to home-based credit unions Issues related to NCUAs Appraisal Management Company proposal Issues related to NCUAs risk-based capital proposal Issues related to the Johnson-Crapo Housing Finance Reform proposal H.R. 450, Bureau of Consumer Financial Protection Accountability Act, all provisions H.R. 688, Credit Union Small Business Jobs Creation Act of 2013, all provisions H.R. 719, Capital Access for Small Businesses and Jobs Act of 2013, all provisions H.R. 736, Responsible Homeowner Refinancing Act of 2013, all provisions H.R. 749, Eliminate Privacy Notice Confusion Act of 2013, all provisions H.R. 801, Holding Company Registration Threshold Equalization Act of 2013, all provisions H.R. 839, Prompt Notification of Short Sale Act, all provisions H.R. 861, Elder Abuse Victims Act of 2013, all provisions H.R. 927, Common Sense Economic Recovery Act of 2013, all provisions H.R. 1077, Consumer Mortgage Choice Act H.R. 1255, Home Construction Lending Regulatory Improvement Act of 2013, all provisionsH.R. 1261, Overdraft Protection Act of 2013, all provisions H.R. 1538, a bill to provide incentives to encourage financial institutions and small businesses to provide continuing financial education to customers, borrowers and employees, all provisions H.R. 1553, Financial Institution Examination Fairness and Reform Act, all provisions H.R. 1566, a bill to create a Federal Charter for Internet consumer credit corporations, all provisions H.R. 1603, a bill to support and promote community financial institutions in the mutual form, all provisions H.R. 1646, a bill to amend the Federal Credit Union Act to provide an exception from the member business loan cap for loans made to aid in the recovery from a disaster, all provisions H.R. 1694, a bill to allow the Secretary of Treasury to rely on State examinations for certain financial institutions, all provisions H.R. 1750, the CLEAR Relief Act, all provisions H.R. 1754, Preserving American Homeownership Act of 2013, all provisions H.R. 1779, Preserving Access to Manufactured Housing Act of 2013, all provisions H.R. 1862, Capital Access for Small Community Financial Institutions, all provisions H.R. 2136, Small Business Credit Availability Act, all provisions H.R. 2295, Basel III CASE Act, all provisions H.R. 2379, Qualified Mortgage Loan Originator Transitional Authority Act, all provisions H.R. 2419, a bill to amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, all provisions H.R. 2512, a bill to amend the Truth in Lending Act to establish clear regulatory standards for mortgage servicers, all provisions H.R. 2547, a bill to determine appropriate risk based capital requirements for community, mid-size, and regional institutions, all provisions H.R. 2561, a bill to provide for the removal of default information form a borrowers credit report with respect to certain rehabilitated education loans, all provisions H.R. 2571, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act to require the Bureau of Consumer Financial Protection to notify and obtain permission from consumers before collecting nonpublic personal information about such consumers, all provisions H.R. 2572, a bill to improve the regulation of credit unions and depository institutions and to provide regulatory relief, all provisions H.R. 2580, a bill to allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters, all provisions H.R. 2652, Marijuana Businesses Access to Banking Act of 2013 H.R. 2672, CFPB Rural Designation Petition and Correction Act H.R. 2673, Portfolio Lending and Mortgage Access Act H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013 H.R. 2816, To extend the pilot program under section 258 of the National Housing Act that establishes an automated process for providing alternative credit rating information for mortgagors and prospective mortgagors under certain mortgages. H.R. 2917, Financial Security Credit Act of 2013 H.R. 2961, To amend the Truth in Lending Act and the Higher Education Act of 1965 to require additional disclosures and protections for students and cosigners with respect to student loans, and for other purposes. H.R. 3036, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes. H.R. 3137, Freedom and Mobility in Consumer Banking Act, all provisions H.R. 3310, Annuity Safety and Security under Reasonable Enforcement Act, all provisions H.R. 3312, Homeowners Flood Insurance Relief Act, all provisions H.R. 3317, Holding Individual Accountable and Deterring Money Laundering Act, all provisions H.R. 3329, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, all provisions. H.R. 3370, Homeowner Flood Insurance Affordability Act, all provisions H.R. 3374, the American Savings Promotion Act, all provisions H.R. 3468, the Credit Union Share Insurance Parity Act, all provisions H.R. 3584, a bill to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, all provisionsH.R. 4226, Credit Union Residential Loan Parity Act, all provisions Kildee Amendment to H.R. 1960, National Defense Authorization Act, related to disclosures required under the Military Lending Act S. 113, Know Before You Owe Private Student Loan Act, all provisions S. 114, Fairness for Struggling Student Act, all provisions S. 172, Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2013, all provisions S. 187, Deceptive Loan Check Elimination Act, all provisions S. 205, Responsible Consumer Financial Protection Regulations Act of 2013, all provisions S. 249, Responsible Homeowner Refinancing Act of 2013, all provisions S. 361, Prompt Notification of Short Sale Act of 2013, all provisions S. 450, Financial Regulatory Responsibility Act of 2013, all provisions S. 451, a bill to make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions S. 563, Jumpstart GSE Reform Act, all provisions S. 635, Privacy Notice Modernization Act of 2013, all provisions S. 673, Protecting Consumers from Unreasonable Credit Rates Act, all provisions S. 676, Identity Theft and Tax Fraud Prevention Act of 2013, all provisions S. 727, Financial Institutions Examination Fairness and Reform Act, all provisions S. 731, Basel III CASE Act, all provisions S. 733, Basel III Impact Study Act, all provisions S. 798, Terminating Bailouts for Taxpayer Fairness Act, all provisions S. 872, Holding Company Registration Threshold Equalization Act, all provisions S. 947, SAFE Act Confidentiality and Privilege Enhancement Act, all provisions S. 968, Small Business Lending Enhancement Act, all provisions S. 985, a bill to repeal certain provisions of the Gramm-Leach-Bliley Act and revive the separation between commercial banking and the securities business, in the manner provided in the Banking Act of 1933, the so-called Glass-Steagall Act, all provisions S. 996, a bill to improve the National Flood Insurance Program, all provisions S. 1002, Home Building Lending Improvement Act, all provisions S. 1048, the Mortgage Finance Act, all provisions S. 1098, a bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership, all provisions S. 1176, a bill to impose a fine with respect to international remittance transfers if the sender is unable to verify legal status in the United States, all provisions S. 1217, Housing Finance Reform and Taxpayer Protection Act, all provisions S. 1229, a bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, all provisions S. 1282, 21st Century Glass-Steagall Act of 2013 S. 1349, a bill 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. S. 1534, Freedom and Mobility in Consumer Banking Act, all provisions S. 1538, FIX Credit Reporting Errors Act, all provisions S. 1577, Mortgage Choice Act, all provisions S. 1597, the American Savings Promotion Act, all provisions S. 1610, Homeowner Flood Insurance Affordability Act, all provisions S. 1806, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions, all provisions S. 1867, Prepaid Card Consumer Protection Act of 2013, all provisions S. Res. 105, a resolution designating April 2013 as Financial Literacy Month

Effort to reauthorize the Terrorism Risk Insurance Act of 2007 in U.S. Senate, all provisions Flood Victim Premium Relief Act of 2013 H.R. 960, all provisions Homeowners and Taxpayers Protection Act of 2013 H.R. 1101, all provisionsFlood Mitigation Expense Relief Act of 2013 - H.R. 1268, all provisions Flood Insurance Premium Relief Act of 2013 - H.R. 1267, all provisions Safe Building Code Incentive Act of 2013 - H.R. 1878 / S. 924, all provisions Sandy Recovery Improvement Act of 2013 - H.R. 219, all provisions A bill to direct the General Accountability Office to conduct a full audit of hurricane protection funding and cost estimates assoiated with post-Katrina hurricane protection - S. 105, all provisions Disaster Savings Account Act of 2013 - H.R. 3298, all provisions The Flood Insurance Affordability Act of 2013 - S. 1610, all provisions The Flood Insurance Affordability Act of 2013 - S. 1846, all provisions Flood Insurance Affordability Act of 2013 - H.R. 3511, all provisions Flood Insurance Affordability Act of 2013 - H.R. 3370, all provisions Flood Insurance Relief and Transparency Act of 2013 - H.R. 3693, all provisions Homeowners Flood Insurance Relief Act of 2013 - H.R. 3312, all provisions

Client expense: $340,000 · Firm income: Not reported

Insurance Regulatory Reform-Implementation of the "Dodd Frank Wall Street Reform & Consumer Protection Act" (Regulations) "Dodd Frank Wall Street Reform & Consumer Protection Act" - overhauls regulation of federal markets(not yet in legislative form) A bill to facilitate implementation of Title VII of the Dodd Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption-changes effective dates and studies Title VII of Dodd-Frank Act(not yet in legislPub L 111-203- Dodd-Frank Wall Street Reform and Consumer Protection Act - To exempt inter-affiliate swaps from certain regulatory requirements HR 41 - A bill to increase the borrowing authority for the "NFIP" HR 982 - FACT Act - "Furthering Asbestos Claim Transparency (FACT) Act of 2013" - "Amends title 11 of the US code to require the public disclosure by trusts established under section 524(g) of such title, of quarterly reports that contain detailed information regarding receipt and disposition of claims for injuries based on exposure to asbestos and for other purposes HR 508 - Terrorism Risk Insurance Act (TRIA) - requires commercial insurers to provide terrorism risk coverage, reauthorizes the program for 5 years Disaster mitigation proposals (not in bill form) HR 1309 - "Flood Insurance reform Act of 2011" - reauthorizes and reforms National Flood Insurance Program HR 1064 / S 534 - NARAB II - National Association of Registered Agents and Brokers Reform Act of 2011-A bill to reform the National Association of Registered Agents and Brokers and for other purposes (NARAB II), would establish a federal licensing clearinghouse for insurance agents who operate in multiple states USPS 5 day delivery and postal reform proposals (not in bill form) HR 4348 - "MAP-21/Transportation and NFIP Conference Report" - reauthorizes federal transportation and safety programs and reforms and reauthorizes the NFIP fo 5 years HR 1945- "Fostering Resilience to Terrorism Act of 2013"-to extend the Terrorism Risk Insurance program of the Department of Treasury for 10 years, and for other purposes. Program expires on December 31, 2014 HR 2146-"Terrorism Risk Insurance Program Reauthorization Act of 2013" to extend the Terrorism Risk program of the Department of the Treasury for 10 years. Extends the Program through December 31, 2024 S 996-Strengthen, Modernize and Reform the National Flood Insurance Program(SMART NFIP) Act-"A bill to improve the National Flood Insurance Program and for other purposes" HR 1035-"To require a study of voluntary community based flood insurance options and how such options could be incorporated into the national flood insurance program, and for other purposes" Directs the Administer of FEMA to study and report to Congress on options, methods, and strategies HR 2199-"The Flood Insurance Implementation Reform Act of 2013"-to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012. Bill would delay the premium increase by 3 years after the enactment of the bill S 1075-"The Saving Homeowners from Onerous Rate Escalations of 2013 SHORE Act of 2013"-a bill to extend the phase-in of actuarial rates for flood insurance for certain properties under Biggert-Waters Flood Insurance Reform Act of 2102-would help homeowners avoid steep increases in premiums H AMDt. 121 to HR 2217-An amendment to prohibit the use of funds to implement, carry out, administer, or enforce section 1308 (h) of the NFIA of 1968 (42 U.S.C. 4015(h)). An amendment to the Department of Homeland Security Appropriations Act, 2014. Delays the premium increase for one year HR 2140 "Insurance Capital and Accounting Standards Act of 2013"- a bill to permit insurance companies that are depositoryholding companies, or are subsidaries of depository holding companies, to comply with the accounting and capital requirements applicable to the insurance company under State law, and for other purposes S 1369 A bill to provide flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes HR 1194 - ""National Flood Insurance Program Termination Act of 2013"- to terminate the National Flood Insurance Program and related mandatory purchase and compliance requirements S 601- "Water Resources Development Act of 2013"-to provide for the conservation and development of water and related resources, to authorize the Secretary of the Army to construct various projects for improvements to rivers and harbors of the United States, and for other purposes HR 3380-"A bill to delay NFIP Rate Increases until FEMA Maps are Updated"-would delay the flood insurance rate increases mandated in the 2012 Biggert-Waters Act HR 3013-"Home Protection Act of 2013"-A bill to reform the NFIP, and for other purposes HR 3156/S.1098-"Responsible Implementation of Flood Insurance Reform Act of 2013"- would reform the Biggert-Waters Flood Insurance Act of 2012 to responsibly protect home ownership HR 3218-A bill to delay increases in flood insurance premium rates under the NFIP until completion of the pending study for the affordability of rates, and for congressional consideration of reforms to make such rates affordable HR 3312-"Homeowners Flood Insurance Relief Act of 2013"-would require the administrator of FEMA to allow monthly installment payments for flood insurance under the NFIP Act of 1968 HR 3370/S.1610-"Homeowner Flood Insurance Affordability Act of 2013"-would delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes

Please see addendum.Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs proposed rule on credit union service organizations Issues related to NCUAs rule on net worth and bargain purchase agreements Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs proposed rule regarding loan participations Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to derivatives and NCUAs proposed rule related to credit union use of derivatives Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues related to NCUAs Minority Depository Institution program Issues relating to home-based credit unions H.R. 450, Bureau of Consumer Financial Protection Accountability Act, all provisions H.R. 688, Credit Union Small Business Jobs Creation Act of 2013, all provisions H.R. 719, Capital Access for Small Businesses and Jobs Act of 2013, all provisions H.R. 736, Responsible Homeowner Refinancing Act of 2013, all provisions H.R. 749, Eliminate Privacy Notice Confusion Act of 2013, all provisions H.R. 801, Holding Company Registration Threshold Equalization Act of 2013, all provisions H.R. 839, Prompt Notification of Short Sale Act, all provisions H.R. 861, Elder Abuse Victims Act of 2013, all provisions H.R. 927, Common Sense Economic Recovery Act of 2013, all provisions H.R. 1077, Consumer Mortgage Choice Act H.R. 1255, Home Construction Lending Regulatory Improvement Act of 2013, all provisions H.R. 1261, Overdraft Protection Act of 2013, all provisions H.R. 1538, a bill to provide incentives to encourage financial institutions and small businesses to provide continuing financial education to customers, borrowers and employees, all provisionsH.R. 1553, Financial Institution Examination Fairness and Reform Act, all provisions H.R. 1566, a bill to create a Federal Charter for Internet consumer credit corporations, all provisions H.R. 1603, a bill to support and promote community financial institutions in the mutual form, all provisions H.R. 1646, a bill to amend the Federal Credit Union Act to provide an exception from the member business loan cap for loans made to aid in the recovery from a disaster, all provisions H.R. 1694, a bill to allow the Secretary of Treasury to rely on State examinations for certain financial institutions, all provisions H.R. 1750, the CLEAR Relief Act, all provisions H.R. 1754, Preserving American Homeownership Act of 2013, all provisions H.R. 1779, Preserving Access to Manufactured Housing Act of 2013, all provisions H.R. 1862, Capital Access for Small Community Financial Institutions, all provisions H.R. 2136, Small Business Credit Availability Act, all provisions H.R. 2295, Basel III CASE Act, all provisions H.R. 2379, Qualified Mortgage Loan Originator Transitional Authority Act, all provisions H.R. 2419, a bill to amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, all provisions H.R. 2512, a bill to amend the Truth in Lending Act to establish clear regulatory standards for mortgage servicers, all provisions H.R. 2547, a bill to determine appropriate risk based capital requirements for community, mid-size, and regional institutions, all provisions H.R. 2561, a bill to provide for the removal of default information form a borrowers credit report with respect to certain rehabilitated education loans, all provisions H.R. 2571, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act to require the Bureau of Consumer Financial Protection to notify and obtain permission from consumers before collecting nonpublic personal information about such consumers, all provisions H.R. 2572, a bill to improve the regulation of credit unions and depository institutions and to provide regulatory relief, all provisions H.R. 2580, a bill to allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters, all provisions H.R. 2652, Marijuana Businesses Access to Banking Act of 2013 H.R. 2672, CFPB Rural Designation Petition and Correction Act H.R. 2673, Portfolio Lending and Mortgage Access Act H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013 H.R. 2816, To extend the pilot program under section 258 of the National Housing Act that establishes an automated process for providing alternative credit rating information for mortgagors and prospective mortgagors under certain mortgages. H.R. 2917, Financial Security Credit Act of 2013 H.R. 2961, To amend the Truth in Lending Act and the Higher Education Act of 1965 to require additional disclosures and protections for students and cosigners with respect to student loans, and for other purposes. H.R. 3036, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes. H.R. 3137, Freedom and Mobility in Consumer Banking Act, all provisions H.R. 3310, Annuity Safety and Security under Reasonable Enforcement Act, all provisions H.R. 3312, Homeowners Flood Insurance Relief Act, all provisions H.R. 3317, Holding Individual Accountable and Deterring Money Laundering Act, all provisions H.R. 3329, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, all provisions. H.R. 3370, Homeowner Flood Insurance Affordability Act, all provisions H.R. 3374, the American Savings Promotion Act, all provisions H.R. 3468, the Credit Union Share Insurance Parity Act, all provisions H.R. 3584, a bill to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, all provisions Kildee Amendment to H.R. 1960, National Defense Authorization Act, related to disclosures required under the Military Lending ActS. 113, Know Before You Owe Private Student Loan Act, all provisions S. 114, Fairness for Struggling Student Act, all provisions S. 172, Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2013, all provisions S. 187, Deceptive Loan Check Elimination Act, all provisions S. 205, Responsible Consumer Financial Protection Regulations Act of 2013, all provisions S. 249, Responsible Homeowner Refinancing Act of 2013, all provisions S. 361, Prompt Notification of Short Sale Act of 2013, all provisions S. 450, Financial Regulatory Responsibility Act of 2013, all provisions S. 451, a bill to make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions S. 563, Jumpstart GSE Reform Act, all provisions S. 635, Privacy Notice Modernization Act of 2013, all provisions S. 673, Protecting Consumers from Unreasonable Credit Rates Act, all provisions S. 727, Financial Institutions Examination Fairness and Reform Act, all provisions S. 731, Basel III CASE Act, all provisions S. 733, Basel III Impact Study Act, all provisions S. 798, Terminating Bailouts for Taxpayer Fairness Act, all provisions S. 872, Holding Company Registration Threshold Equalization Act, all provisions S. 947, SAFE Act Confidentiality and Privilege Enhancement Act, all provisions S. 968, Small Business Lending Enhancement Act, all provisions S. 985, a bill to repeal certain provisions of the Gramm-Leach-Bliley Act and revive the separation between commercial banking and the securities business, in the manner provided in the Banking Act of 1933, the so-called Glass-Steagall Act, all provisions S. 996, a bill to improve the National Flood Insurance Program, all provisions S. 1002, Home Building Lending Improvement Act, all provisions S. 1048, the Mortgage Finance Act, all provisions S. 1098, a bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership, all provisions S. 1176, a bill to impose a fine with respect to international remittance transfers if the sender is unable to verify legal status in the United States, all provisions S. 1217, Housing Finance Reform and Taxpayer Protection Act, all provisions S. 1229, a bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, all provisions S. 1282, 21st Century Glass-Steagall Act of 2013 S. 1349, a bill 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. S. 1534, Freedom and Mobility in Consumer Banking Act, all provisions S. 1538, FIX Credit Reporting Errors Act, all provisions S. 1577, Mortgage Choice Act, all provisions S. 1597, the American Savings Promotion Act, all provisions S. 1610, Homeowner Flood Insurance Affordability Act, all provisions S. 1806, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions, all provisions S. Res. 105, a resolution designating April 2013 as Financial Literacy Month