Systemic Risk Designation Improvement Act of 2014

PL 111-203, The Dodd-Frank Act: Section 165, Enhanced Supervision and Prudential Standards, H.R. 4060, Systemic Risk Designation Improvement Act of 2014 Reauthorization of Terrorism Risk Insurance Act; H.R. 4871 Terrorism Risk Insurance Act Reform Act of 2014, S. 2244 The Terrorism Risk Insurance Act H.R. 4532: To Amend the Dodd-Frank Act to specify when bank holding companies may be subject to certain enhanced supervision Reauthorization of the Export-Import Bank

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 601 - The Eliminate Privacy Notice Confusion Act H.R. 650 - Preserving Access to Manufactured Housing Act of 2015 H.R. 685 - The Mortgage Choice Act of 2015 H.R. 1408 - The Mortgage Servicing Asset Capital Requirements Act of 2015 S. 1484 - Financial Regulatory Improvement Act of 2015 H.R. 4060 - Systemic Risk Designation Improvement Act of 2014

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

PL 111-203, The Dodd-Frank Act: Section 165, Enhanced Supervision and Prudential Standards, H.R. 4060, Systemic Risk Designation Improvement Act of 2014 Reauthorization of Terrorism Risk Insurance Act; H.R. 4871 Terrorism Risk Insurance Act Reform Act of 2014, S. 2244 The Terrorism Risk Insurance Act H.R. 4532: To Amend the Dodd-Frank Act to specify when bank holding companies may be subject to certain enhanced supervision Reauthorization of the Export-Import Bank

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

PL 111-203, The Dodd-Frank Act: Section 165, Enhanced Supervision and Prudential Standards, H.R. 4060, Systemic Risk Designation Improvement Act of 2014 Reauthorization of Terrorism Risk Insurance Act; H.R. 4871 Terrorism Risk Insurance Act Reform Act of 2014, S. 2244 The Terrorism Risk Insurance Act H.R. 4532: To Amend the Dodd-Frank Act to specify when bank holding companies may be subject to certain enhanced supervision Reauthorization of the Export-Import Bank

Client expense: Not reported · Firm income: $30,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to derivatives, the "Volcker Rule," capital and liquidity requirements, lending products and the Consumer Financial Protection Bureau including the following legislation: Systemic Risk Mitigation Act (HR 613); Basel III Capital Impact Study Act (HR 1221); Financial Competitive Act of 2013 (HR 1341); Determination of Appropriate Risk-Based Capital Requirements for Community Financial Institutions Act of 2013 (HR 2547); Basel III CASE Act (S 731); Too Big to Fail Act (TBTF) (S 798);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 (HR 3036). Systemic Risk Designation Improvement Act of 2014 (HR 4060)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial Services Issues Issues related to Dodd-Frank implementation H.R. 4060, Systemic Risk Designation Improvement Act of 2014

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1907, Fairness for Community Job Creators Act (provisions related to Collateralized Loan Obligations) H.R. 4060, Systemic Risk Designation Improvement Act of 2014 H.R. 4167, Restoring Proven Financing for American Employers Act (provisions to exempt bank investments in Collateralized Loan Obligations from the Volcker Rule) H.R. 5461, 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 H.R. 5758, the Financial Institution Customer Protection Act (provisions related to Operation Choke Point)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1553, Financial Institutions Examination Fairness and Reform, all measures; H.R. 2673, Portfolio Lending and Morgage Access Act, all measures; H.R. 3211, Mortgage Choice Act, all measures; H.R. 4042 Community Bank Mortgage Servicing Asset Capital Requirments Study Act, all measures;H.R. 4060, Bank Holding Companies Supervision, all measures; H.R. 4532 Bank Holding Company Supervision Act, all measures; H.R. 4466 Financial Regulatory Clarity Act, all measures; H.R. 1720 Campus Debit Card Act, all measures;S. 1720, Patent Transparency and Improvements Act, all measures; S. 1927 Data Security Act, all measures; S. 4714, Financial Products Codes of Conduct Disclosure; general SBA education; general regional banking education

Client expense: $115,378 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1553, Financial Institutions Examination Fairness and Reform, all measures; H.R. 2673, Portfolio Lending and Morgage Access Act, all measures; H.R. 3211, Mortgage Choice Act, all measures; H.R. 4042 Community Bank Mortgage Servicing Asset Capital Requirments Study Act, all measures;H.R. 4060, Bank Holding Companies Supervision, all measures; H.R. 4532 Bank Holding Company Supervision Act, all measures; H.R. 4466 Financial Regulatory Clarity Act, all measures; H.R. 1720 Campus Debit Card Act, all measures;S. 1720, Patent Transparency and Improvements Act, all measures; S. 1927 Data Security Act, all measures; S. 4714, Financial Products Codes of Conduct Disclosure; general SBA education; general regional banking education

Client expense: $115,378 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 4060, the Systemic Risk Designation Improvement Act. S. 2114, the Bond Transparency Act. HR 3448, the Small Cap Liquidity Reform Act. HR 4387, the FSOC Transparency and Accountability Act. SEC Release IC-31184, related to the removal of certain references to credit ratings in the Money Market Fund Rule. Regulatory proposals related to equity market structure, including SEC File No. 4-657, a proposed National Market System Plan to Implement a Tick Size Pilot Program.

Client expense: $910,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

H.R. 4060: Systemic Risk Designation Improvement Act of 2014: 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; Provisions related to bank regulation. S. 1720: Patent Transparency and Improvements Act of 2013: A bill to promote transparency in patent ownership and make other improvements to the patent system and for other purposes; Provisions related to patent reform. S. 1897: Personal Data Privacy and Security Act of 2014: A bill to prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and uses of personally identifiable information; Provisions related to cyber security/data breach. S. 1927: Data Security Act of 2014: A bill to protect information relating to consumers, to require notice of security breaches, and for other purposes; Provisions related to cyber security/data breach. S. 1976: Data Security and Breach Notification Act of 2014: A bill to protect consumers by requiring reasonable security policies and procedures to protect data containing personal information, and to provide for nationwide notice in the event of a breach of security; Provisions related to cyber security/data breach. 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; Provisions related to SIFI Designation. S. 21: Cybersecurity and American Cyber Competitiveness Act of 2013: A bill to secure the United States against cyber-attack, to improve communication and collaboration between the private sector and the Federal Government, to enhance American competitiveness and create jobs in the information technology industry, and to protect the identities and sensitive information of American citizens and businesses; Provisions related to cyber security. S. 474: Swaps Regulatory Improvement Act: A bill to amend provisions in section 716 of the Dodd-Frank Wall Street Reform and Consumer Protection Act relating to Federal assistance for swaps entities; Provisions related to derivatives regulation. S. 1353: Cybersecurity Act of 2013: To provide for an ongoing, voluntary public-private partnership to improve cybersecurity and to strengthen cybersecurity research and development, workforce development and education, and public awareness and preparedness, and for other purposes; Provisions related to cyber security. S. 1612: Patent Litigation Integrity Act of 2013: To deter abusive patent litigation by targeting the economic incentives that fuel frivolous lawsuits; Provisions related to patent reform. H.R. 992: Swaps Regulatory Improvement Act: A bill to amend provisions in section 716 of the Dodd-Frank Wall Street Reform and Consumer Protection Act relating to Federal assistance for swaps entities; Provisions related to derivatives regulation. H.R. 4986: End Operation Choke Point Act of 2014: A bill to amend certain banking statutes in response to Operation Choke Point; Provisions related to payments regulation. H.R. 3309: To amend Title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections, and for other purposes; Provisions related to patent reform. H.R. 4532: 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; Provisions related to bank regulation. H.R. 5421: A bill to amend Title 11 of the United States Code in order to facilitate the resolution of an insolvent financial institution in bankruptcy; Provisions related to bank resolution. H.R. 83: Making consolidated appropriations for the fiscal year ending September 30, 2015; Provisions related to derivatives regulation. H.R. 3928: A bill to improve the accountability and transparency of the Board of Governors of the Federal Reserve System; Provisions related to bank regulation. H.R. 5758: A bill to provide requirements for the appropriate Federal banking agencies when requesting or ordering a depository institution to terminate a specific customer account, to provide for additional requirements related to subpoenas issued under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989; Provisions related to bank regulation. S. 2049: A bill to curb unfair and deceptive practices during assertion of patents; Provisions related to patent reform. S. 2588: An original bill to improve cybersecurity in the United States through enhanced sharing of information about cybersecurity threats, and for other purposes; Provisions related to cybersecurity. S. 1995: A bill to protect consumers by mitigating the vulnerability of personally identifiable information to theft through a security breach, providing notice and remedies to consumers in the wake of such a breach, holding companies accountable for preventable breaches, facilitating the sharing of post-breach technical information between companies, and enhancing criminal and civil penalties and other protections against the unauthorized collection or use of personally identifiable information; Provisions related to cybersecurity/data breach. - Issues related to the implementation of Title I of Dodd-Frank; Provisions related to bank resolution. - Issues related to the implementation of Title II of Dodd-Frank; Provisions related to bank resolution.

Client expense: $370,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of the Dodd-Frank Act as it relates to mid-size banks. Qualified Mortgage (QM) and Qualified Residential Mortgage (QRM) rule as it applies to relaxed risk retention requirements. Volcker Rule: clarify ambiguity in the rule. Basel III requirements and the treatment of mid-size banks. H.R. 1221, Basel III Capital Impact Study Act. H.R. 749, Eliminate Privacy Notice Confusion Act. S. 490, Financial Regulatory Responsibility Act of 2013.H.R. 4060, the Systemic Risk Designation Improvement Act. Proposals to raise Dodd-Frank lines of demarcation from $10 billion to $50 billion. H.R. 4787, Regional Financial Relief Act of 2014. H.R. 4788, Relief for America's Main Street Lenders Act. S. 2732, Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2014.

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

Government targets: HOUSE OF REPRESENTATIVES, Natl Institute of Standards & Technology (NIST), SENATE, Treasury, Dept of, White House Office

Implementation of the Dodd-Frank Act as it related to mid-size banks. Treatment of mid-size banks pertaining to the $50 billion threshold for certain regulatory requirements. Qualified Mortgage (QM) and Qualified Residential Mortgage (QRM) rule as it applies to relaxed risk retention requirements. Basel III requirements and the treatment of mid-size banks. H.R. 1221, Basel III Capital Impact Study Act. H.R. 749, Eliminate Privacy Notice Confusion Act.S. 490, Financial Regulatory Responsibility Act of 2013. H.R. 4060, the Systemic Risk Designation Improvement Act. Proposals to raise Dodd-Frank lines of demarcation from $10 billion to $50 billion. H.R. 4787, Regional Financial Relief Act of 2014. H.R. 4788, Relief for America's Main Street Lenders Act. S. 2732, Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2014.

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

Government targets: HOUSE OF REPRESENTATIVES, Natl Institute of Standards & Technology (NIST), SENATE, Treasury, Dept of, White House Office

H.R. 4060: Systemic Risk Designation Improvement Act of 2014 H.R. 2767: Protecting American Taxpayers and Homeowners Act of 2013 S. 1217: Housing Finance Reform and Taxpayer Act H.R. 4787: Regional Financial Relief Act of 2014 H.R. 4788: Relief for America's Main Street Lenders Act H.R. 4714: CAMPUS Debit Cards Act S. 2385: Protecting Aid for Students Act of 2014

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 624 - Cyber Intelligence Sharing and Protection Act; provisions relating to the financial services sector H.R. 1627 - The Investment Adviser Examination Improvement Act of 2013; entire bill H.R. 2374 - Retail Investor Protection Act; entire bill H.R. 2733 - Defending American Taxpayers From Abusive Government Takings Act of 2013; entire bill H.R. 3482 - Restoring Main Street Investor Protection Act; entire bill H.R. 3696 - National Cybersecurity and Critical Infrastructure Protection Act of 2013; entire bill H.R. 4060 - Systemic Risk Designation Improvement Act of 2014; entire bill H.R. 4167 - Restoring Proven Financing for American Employers Act; entire bill H.R. 4413 -Customer Protection and End-User Relief Act; provisions relating to the Garrett amendment on CPO registration H.R. 4510 - Insurance Capital Standards Clarification Act of 2014; entire bill H.R. 5180 - Financial Stability Oversight Council Improvement Act of 2014; entire bill H.R. 5461 - 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; provisions relating to capital standards for insurers H.R. 5471 - to Amend the Commodity Exchange Act and the Securities Exchange Act of 1934 to specify how Clearing Requirements Apply to Certain Affiliate Transactions, and for other purposes; entire bill H.R. 5490 - Wall Street Accountability Through Sustainable Funding Act; entire bill S. 21 - Cybersecurity and American Cyber Competitiveness Act of 2013; provisions relating to the financial services sector S. 1369 - A bill to provide additional 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; entire bill S. 1927 - Data Security Act of 2014; entire bill S. 2270 - Insurance Capital Standards Clarification Act of 2014; entire bill S. 2588 - Cybersecurity Information Sharing Act of 2014; provisions relating to safe harbor for information sharing for prevention of cybersecurity threats Need for greater transparency in the development of SIFI designation criteria and preparation of underlying government studies and data Congressional support for the SEC moving forward on implementing Section 913 of Dodd-Frank, other options for investor protection parity, and potential interplay with possible DOL regulatory activity

Client expense: $1,500,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4060, Systemic Risk Designation Improvement Act H.R. 5016/H.R. 83/S.474 Push Out Reform Legislation S. 2244/H.R. 4871 Terrorism Risk Insurance Program Extension Cybersecurity, Bank Secrecy Act, Patriot Act, background and requirements for financial institutions.

Client expense: $275,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.4060, Systemic Risk Designation Improvement Act (All sections of full text) - Efforts in support of bill

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 451, the Dodd-Frank Wall Street Reform and Consumer Protection Technical Corrections Act of 2013 (all provisions) S. 673, the Protecting Consumers from Unreasonable Credit Rates Act of 2013 (all provisions to set an interest rate and fee cap of 36 percent for consumer credit transactions) H.R. 688, the Credit Union Small Business Jobs Creation Act (all provisions) H.R. 1261, the Overdraft Protection Act of 2013 (all provisions) H.R. 3468, a bill to amend the Federal Credit Union Act to extend insurance coverage to amounts held in a member account on behalf of another person, and for other purposes H.R. 4252, Mutual Bank Choice and Continuity Act of 2014 S. 2102, a bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. H.R. 4060, Systemic Risk Designation Improvement Act of 2014 H.R. 4042, Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014 S. 1916, HELP Rural Communities Act of 2014 S. 1903, Prepaid Card Disclosure Act of 2014 S. 2641, a bill to amend the Truth in Lending Act to provide that residential mortgage loans held in portfolio qualify as qualified mortgages for purposes of the presumption of the ability to repay requirements under such Act, and for other purposes. S. 2697, a bill to amend the Truth in Lending Act to clarify the application of the qualified mortgage rule to rural lenders, and for other purposes. H.R. 3211, The Mortgage Choice Act H.R. 5405, to make technical corrections to the Dodd-Frank Act; to enhance the ability of small companies to access capital through public and private markets; to reduce regulatory burdens, and more. H.R. 5461, The Barr-Miller bill - to clarify the application of certain leverage and risk-based requirements under DFA and Consumer Protection Act, and for other purposes.

Client expense: $2,418,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

PL 111-203, The Dodd-Frank Act: Section 165, Enhanced Supervision and Prudential Standards, H.R. 4060, Systemic Risk Designation Improvement Act of 2014 Reauthorization of Terrorism Risk Insurance Act; H.R. 4871 Terrorism Risk Insurance Act Reform Act of 2014, S. 2244 The Terrorism Risk Insurance ActH.R. 4532: To Amend the Dodd-Frank Act to specify when bank holding companies may be subject to certain enhanced supervision Reauthorization of the Export-Import Bank

Client expense: $680,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1450 Too-Big-to-Fail, Too-Big-to Exist Act; H.R. 1553 to improve the examination of Depository Institutions; S 685 Too-Big-to-Exist Act; S 727 A bill to improve the examination of depository institutions; S 731 and S 737 Basel III Study Bills; H.R. 508 Terrorism Risk Insurance Act of 202 Re-authorization Act of 2013; H.R. 613 Systemic Risk Mitigation Act; H.R. 677 Inter-affiliate Swap Clarification Act; H.R. 688 Credit Union Small Business Jobs Creation Act; H.R. 749 Eliminate privacy Notice Confusion Act; H.R. 992 Swaps Regulatory Improvement Act; H.R. 1221 Basel II Capital Impact Study Act; H.R. 1256 Swap Jurisdiction Certainty Act of 2013; S 474 Swaps Regulatory Improvement Act; S 635 Privacy Notice Modernization Act of 2013; S. 798-TBTF Act; H.R. 450 Bureau of Consumer Financial Protection Accountability Act; S. 1217 Housing Finance Reform and Taxpayer Protection Act of 2013; H.R. 2410 Agriculture Rural Development, Food and Drug Administration and Related Agencies Appropriations Act, 2014; H.R. 3211, the "Mortgage Choice Act of 2013"; H.R. 3036 "To Amend and 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"; Homeowner Flood Insurance Affordability Act of 2014; H.R. 4060 Systemic Risk Designation Improvement Act of 2014; TRIA Re-authorized Bills, H.R. 4871 and S. 2244; "export-Import bank Re-authorization"; H.R. 2673, the Portfolio Lending and Mortgage Access Act; H.R. 5016, Financial Services and General Government Appropriations Act of 2015.

Client expense: $80,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 4060, Systemic Risk Designation Improvement Act of 2014.

Client expense: $160,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Dodd-Frank Act -- Section 165 implementation, Section 619 and cross border impementation of Title VII; CEA Reauthroization, HR 4413 - the Customer Protection and End-User Relief Act Dodd-Frank SIFI Threshold, HR 4060 - the Systemic Risk Designation Improvement Act of 2014, HR 4532

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

Government targets: Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of

Dodd-Frank Act -- Section 165 implementation, Section 619 and cross border impementation of Title VII; CEA Reauthroization, HR 4413 - the Customer Protection and End-User Relief Act Dodd-Frank SIFI Threshold, HR 4060 - the Systemic Risk Designation Improvement Act of 2014, HR 4532

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

Government targets: Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of

Interchange fees - proposals to regulate fees charged by financial institutions to merchants for card acceptance Issues generally related to the Consumer Financial Protection Bureau (CFPB) H.R. 749, Eliminate Privacy Notice Confusion Act, provisions related to delivery of annual privacy notices to consumers S. 635, Privacy Notice Modernization Act of 2013, provisions related to delivery of annual privacy notices to consumersS. 1927 the Data Security Act of 2014, provisions related to breach notification S. 1897 the Personal Data Privacy and Security Act of 2014, provisions related to breach notification S. 1976 the Data Security and Breach Notification Act of 2014, provisions related to breach notification Regulation of reloadable prepaid products S. 1999 the SCRA Rights Protection Act of 2014, provisions related to arbitration H.R. 4662, Bureau Advisory Opinion Act, provisions to amend the Consumer Financial Protection Act of 2010 to establish an advisory opinion process for the Bureau of Consumer Financial Protection H.R. 4060, the Systemic Risk Designation Improvement Act of 2014

Client expense: $210,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Small Business Administration (SBA), Treasury, Dept of, White House Office

Issues related to derivatives, the "Volcker Rule," capital and liquidity requirements, lending products and the Consumer Financial Protection Bureau including the following legislation: Systemic Risk Mitigation Act (HR 613); Basel III Capital Impact Study Act (HR 1221); Financial Competitive Act of 2013 (HR 1341); Determination of Appropriate Risk-Based Capital Requirements for Community Financial Institutions Act of 2013 (HR 2547); Basel III CASE Act (S 731); Too Big to Fail Act (TBTF) (S 798);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 (HR 3036). Systemic Risk Designation Improvement Act of 2014 (HR 4060)

Client expense: $900,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 4060, Systemic Risk Designation Improvement Act of 2014 (all provisions). HR 992, Swaps Regulatory Improvement Act (all provisions). HR 5405, Promoting Job Creation and Reducing Small Business Burdens Act (all provisions). HR 5016, Financial Services and General Government Appropriations Act, 2015 (all provisions). HR 5461, 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 (all provisions). HR 5421, Financial Institution Bankruptcy Act of 2014 (all provisions). HR 83, Consolidated and Further Continuing Appropriations Act, 2015 (provisions related to swaps push-out and banking). Draft legislation that amends the Financial Stability Act of 2010 to specify when bank holding companies may be subject to certain enhanced supervision and prudential standards, and for other purposes (no specific bill). General discussions related to employment and re-employment programs (NextJob program), unemployment insurance and covering a draft proposal (Unemployment Insurance Jumpstart Program) (no specific bill). Issues related to bank fees, card fees and rate caps, and credit card interchange and debit card interchange (Senator Durbin amendment, electronic debit card transactions) (no specific bill). General discussions and issues related to policy development, legislative and regulatory implementation, process, systems and structures, general discussions and issues related to product new development, Volcker rule, CCAR and capital planning, resolution planning and stress test, living wills, bank liquidity (LCR), CLO, end user margins, point/fees and Basel, SIFI designation, corporate governance and general banking matters (no specific bill). H.R. 4173 (111th Congress, P.L. 111-203): Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act); regulatory implementation discussions covering rules and regulations, including discussions with the Consumer Financial Protection Bureau (for which there is no CFPB listing on Line 17 available), on structure, regulatory implementation, oversight, process, enforcement and compliant handling. General discussions covering the Dodd-Frank Act and provisions (Act repeal, amending and technical fixes), Volcker rule, Financial Stability Oversight Council, Office of Financial Research, systemically important financial institutions designations, prudential regulations, mortgage regulations (qualified mortgages, qualified residential mortgages), corporate governance, enhanced prudential standards (165/166), stress testing, capital planning, living will, remittance, 716, push-out, Title VII (swaps/derivatives), Title II, section 1071, overdraft, pre-paid cards, examinations and other banking and financial services related provisions. Issues related to cyber-security, data breach and privacy, protecting consumer information, general discussions (no specific bill).

Client expense: $200,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE

S. 1217, Housing Finance Reform and Taxpayer Protection Act of 2013; H.R. 2667, Protection American Taxpayers and Homeowners Act of 2013; issues relate to DFA reform, including the systemic risk definition (HR 4060, HR 4788)

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitor the following: Public Law 111-517, Dodd-Frank Wall Street Reform and Consumer Protection Act, Financial Regulatory Reform issues (Durbin Amendment). Financial Reform issues generally. H.R.4060, Systemic Risk Designation Improvement Act of 2014, Financial Reform issues.

Client expense: Not reported · Firm income: $30,000

Issues related to credit and debit cards, private student lending, bank regulation, consumer lending and consumer financial protection, amendments to FDI Act and GSE legislation, including HR4060, S113, S160, S451, S673, S727, S798, S1018, S1048, S1159, S1217, S1241, S2224, S2200.

Client expense: $790,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4060

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

monitor Banking legislation on FHLB regarding rural infrastructure monitor Banking legislation related to student loans Support HR 4060 on SIFI redefinition

Client expense: Not reported · Firm income: $24,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4060; issues related to swap dealer defintion, GSE reformm, CFPB rule on consumer complaint narrative, flood insurance, collateralized loan obligations, FHFA rule on membership requirements, Basel III liqudity rules, resolution planning--including single point of entry proposal, consumer products--including credit cards and prepaid cards

Client expense: $320,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to derivatives, the "Volcker Rule," capital and liquidity requirements, lending products and the Consumer Financial Protection Bureau including the following legislation: Systemic Risk Mitigation Act (HR 613); Basel III Capital Impact Study Act (HR 1221); Financial Competitive Act of 2013 (HR 1341); Determination of Appropriate Risk-Based Capital Requirements for Community Financial Institutions Act of 2013 (HR 2547); Basel III CASE Act (S 731); Too Big to Fail Act (TBTF) (S 798);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 (HR 3036). Systemic Risk Designation Improvement Act of 2014 (HR 4060)

Client expense: $290,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4060: Systemic Risk Designation Improvement Act of 2014: 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; Provisions related to bank regulation. S. 1720: Patent Transparency and Improvements Act of 2013: A bill to promote transparency in patent ownership and make other improvements to the patent system and for other purposes; Provisions related to patent reform. S. 1897: Personal Data Privacy and Security Act of 2014: A bill to prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and uses of personally identifiable information; Provisions related to cyber security/data breach. S. 1927: Data Security Act of 2014: A bill to protect information relating to consumers, to require notice of security breaches,and for other purposes; Provisions related to cyber security/data breach. S. 1976: Data Security and Breach Notification Act of 2014: A bill to protect consumers by requiring reasonable security policies and procedures to protect data containing personal information, and to provide for nationwide notice in the event of a breach of security; Provisions related to cyber security/data breach. 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; Provisions related to SIFI Designation. S. 21: Cybersecurity and American Cyber Competitiveness Act of 2013: A bill to secure the United States against cyber attack, to improve communication and collaboration between the private sector and the Federal Government, to enhance American competitiveness and create jobs in the information technology industry, and to protect the identities and sensitive information of American citizens and businesses; Provisions related to cyber security. S. 474: Swaps Regulatory Improvement Act: A bill to amend provisions in section 716 of the Dodd-Frank Wall Street Reform and Consumer Protection Act relating to Federal assistance for swaps entities; Provisons related to derivatives regulation. S. 1353: Cybersecurity Act of 2013: To provide for an ongoing, voluntary public-private partnership to improve cybersecurity,and to strengthen cybersecurity research and development, workforce development and education, and public awareness and preparedness, and for other purposes; Provisions related to cyber security. S. 1612: Patent Litigation Integrity Act of 2013: To deter abusive patent litigation by targeting the economic incentives that fuel frivolous lawsuits; Provisions related to patent reform. H.R. 992: Swaps Regulatory Improvement Act: A bill to amend provisions in section 716 of the Dodd-Frank Wall Street Reform and Consumer Protection Act relating to Federal assistance for swaps entities; Provisions related to derivatives regulation. H.R. 4986: End Operation Choke Point Act of 2014: A bill to amend certain banking statutes in response to Operation Choke Point; Provisions related to payments. H.R. 624: A bill to provide for the sharing of certain cyber threat intelligence and cyber threat information between the intelligence community and cyber security entities, and for other purposes; Provisions related to cybersecurity. H.R. 3309: To amend title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections, and for other purposes; Provisions related to patent reform. H.R. 4532: 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; Provisions related to bank regulation. H.R. 5421: A bill to amend title 11 of the United States Code in order to facilitate the resolution of an insolvent financial institution in bankruptcy; Provisions related to bank resolution. S. 798: A bill to address equity capital requirements for financial institutions, bank holding companies, subsidiaries, and affiliates, and for other purposes; Provisions related to bank regulation. S. 2588: An original bill to improve cybersecurity in the United States through enhanced sharing of information about cybersecurity threats, and for other purposes; Provisions related to cybersecurity. H.R. 5461: A bill to clarify the application of certain leverage and risk-basked 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; Provisions related to bank regulation. S. 1995: A bill to protect consumers by mitigating the vulnerability of personally identifiable information to theft through a security breach, providing notice and remedies to consumers in the wake of such a breach, holding companies accountable for preventable breaches, facilitating the sharing of post-breach technical information between companies, and enhancing criminal and civil penalties and other protections against the unauthorized collection or use of personally identifiable information; Provisions related to cybersecurity/data breach. - Issues related to the implementation of Title I of Dodd-Frank; Provisions related to bank resolution. - Issues related to the implementation of Title II of Dodd-Frank; Provisions related to bank resolution. - General AML / BSA compliance issues.

Client expense: $370,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 1553, Financial Institutions Examination Fairness and Reform, all measures; H.R. 2673, Portfolio Lending and Morgage Access Act, all measures; H.R. 3211, Mortgage Choice Act, all measures; H.R. 4042 Community Bank Mortgage Servicing Asset Capital Requirments Study Act, all measures;H.R. 4060, Bank Holding Companies Supervision, all measures; H.R. 4532 Bank Holding Company Supervision Act, all measures; H.R. 4466 Financial Regulatory Clarity Act, all measures; H.R. 1720 Campus Debit Card Act, all measures;S. 1720, Patent Transparency and Improvements Act, all measures; S. 1927 Data Security Act, all measures; S. 4714, Financial Products Codes of Conduct Disclosure; general SBA education; general regional banking education

Client expense: $113,870 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1553, Financial Institutions Examination Fairness and Reform, all measures; H.R. 2673, Portfolio Lending and Morgage Access Act, all measures; H.R. 3211, Mortgage Choice Act, all measures; H.R. 4042 Community Bank Mortgage Servicing Asset Capital Requirments Study Act, all measures;H.R. 4060, Bank Holding Companies Supervision, all measures; H.R. 4532 Bank Holding Company Supervision Act, all measures; H.R. 4466 Financial Regulatory Clarity Act, all measures; H.R. 1720 Campus Debit Card Act, all measures;S. 1720, Patent Transparency and Improvements Act, all measures; S. 1927 Data Security Act, all measures; S. 4714, Financial Products Codes of Conduct Disclosure; general SBA education; general regional banking education

Client expense: $113,870 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial Services Issues Issues related to Dodd-Frank implementation H.R. 4060, Systemic Risk Designation Improvement Act of 2014

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4060, Systemic Risk Designation Improvement Act of 2014.

Client expense: $160,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 624 Cyber Intelligence Sharing and Protection Act; provisions relating to the financial services sector H.R. 1627 The Investment Adviser Examination Improvement Act of 2013; entire bill H.R. 2374 Retail Investor Protection Act; entire billH.R. 2733 Defending American Taxpayers From Abusive Government Takings Act of 2013; entire bill H.R. 3482 Restoring Main Street Investor Protection Act; entire bill H.R. 3696 National Cybersecurity and Critical Infrastructure Protection Act of 2013; entire bill H.R. 4060 - Systemic Risk Designation Improvement Act of 2014; entire bill H.R. 4167 Restoring Proven Financing for American Employers Act; entire bill H.R. 4413 Customer Protection and End-User Relief Act; provisions relating to the Garrett amendment on CPO registration H.R. 4510 - Insurance Capital Standards Clarification Act of 2014; entire bill H.R. 5180 Financial Stability Oversight Council Improvement Act of 2014; entire bill H.R. 5461 - 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; provisions relating to capital standards for insurers H.R. 5471 to Amend the Commodity Exchange Act and the Securities Exchange Act of 1934 to specify how Clearing Requirements Apply to Certain Affiliate Transactions, and for other purposes; entire bill H.R. 5490 Wall Street Accountability Through Sustainable Funding Act; entire bill S. 21 Cybersecurity and American Cyber Competitiveness Act of 2013; provisions relating to the financial services sector S. 1369 A bill to provide additional 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; entire bill S. 1927 Data Security Act of 2014; entire bill S. 2270 - Insurance Capital Standards Clarification Act of 2014; entire bill S. 2588 - Cybersecurity Information Sharing Act of 2014; provisions relating to safe harbor for information sharing for prevention of cybersecurity threats Need for greater transparency in the development of SIFI designation criteria and preparation of underlying government studies and data Congressional support for the SEC moving forward on implementing Section 913 of Dodd-Frank, other options for investor protection parity, and potential interplay with possible DOL regulatory activity

Client expense: $580,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of the Dodd-Frank Act as it relates to mid-size banks. Qualified Mortgage (QM) and Qualified Residential Mortgage (QRM) rule as it applies to relaxed risk retention requirements. Volcker Rule: clarify ambiguity in the rule. Basel III requirements and the treatment of mid-size banks. H.R. 1221, Basel III Capital Impact Study Act. H.R. 749, Eliminate Privacy Notice Confusion Act. S. 490, Financial Regulatory Responsibility Act of 2013.H.R. 4060, the Systemic Risk Designation Improvement Act. Proposals to raise Dodd-Frank lines of demarcation from $10 billion to $50 billion. H.R. 4787, Regional Financial Relief Act of 2014. H.R. 4788, Relief for America's Main Street Lenders Act. S. 2732, Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2014.

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

Government targets: HOUSE OF REPRESENTATIVES, Natl Institute of Standards & Technology (NIST), SENATE, Treasury, Dept of, White House Office

Implementation of the Dodd-Frank Act as it related to mid-size banks. Treatment of mid-size banks pertaining to the $50 billion threshold for certain regulatory requirements. Qualified Mortgage (QM) and Qualified Residential Mortgage (QRM) rule as it applies to relaxed risk retention requirements. Basel III requirements and the treatment of mid-size banks. H.R. 1221, Basel III Capital Impact Study Act. H.R. 749, Eliminate Privacy Notice Confusion Act.S. 490, Financial Regulatory Responsibility Act of 2013. H.R. 4060, the Systemic Risk Designation Improvement Act. Proposals to raise Dodd-Frank lines of demarcation from $10 billion to $50 billion. H.R. 4787, Regional Financial Relief Act of 2014. H.R. 4788, Relief for America's Main Street Lenders Act. S. 2732, Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2014.

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

Government targets: HOUSE OF REPRESENTATIVES, Natl Institute of Standards & Technology (NIST), SENATE, Treasury, Dept of, White House Office

H.R. 4060 Systemic Risk Designation Improvement Act - Seeking changes to the Department of Education Student Loan Rule Proposal. H.R 992/H.R. 5016 Dodd-Frank Act Push Out Reform Legislation - seeking support for exemption from the Telephone Communications Protection act relating to fraud and data breach notification S.2244/H.R. 4871 Terrorism Risk Insurance Program Extension - discussing the requirements of the Anti-Money Laundering rules, the Patriot Act and the Bank Secrecy Act

Client expense: $27,500 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Interchange fees - proposals to regulate fees charged by financial institutions to merchants for card acceptance Issues generally related to the Consumer Financial Protection Bureau (CFPB) H.R. 749, Eliminate Privacy Notice Confusion Act, provisions related to delivery of annual privacy notices to consumers S. 635, Privacy Notice Modernization Act of 2013, provisions related to delivery of annual privacy notices to consumersS. 1927 the Data Security Act of 2014, provisions related to breach notification S. 1897 the Personal Data Privacy and Security Act of 2014, provisions related to breach notification S. 1976 the Data Security and Breach Notification Act of 2014, provisions related to breach notification Regulation of reloadable prepaid products S. 1999 the SCRA Rights Protection Act of 2014, provisions related to arbitration H.R. 4662, Bureau Advisory Opinion Act, provisions to amend the Consumer Financial Protection Act of 2010 to establish an advisory opinion process for the Bureau of Consumer Financial Protection H.R. 4060, the Systemic Risk Designation Improvement Act of 2014

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

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Small Business Administration (SBA), Treasury, Dept of, White House Office

S. 1217, Housing Finance Reform and Taxpayer Protection Act of 2013; H.R. 2667, Protecting American Taxpayers and Homeowners Act of 2013; Issues related to DFA reform, including the systemic risk definition (HR 4060, HR 4788)

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE