Bureau Advisory Commission Transparency Act

Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support S. 673 Support Rich Cordray as Director of CFPB.Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose H. R. 1077 / S. 949. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Oppose H.R. 3211. Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support S. 1150 / H.R. 3097, legislation to posthumously award a congressional gold medal to Judge Constance Baker Motley. Support the proposed "Qualified Mortgage" rule as written by the Consumer Financial Protection Bureau. Support the Consumer Financial Protection Bureau on its recent guidance on indirect auto lending. Strongly support adopting the same standards for Qualified Residential Mortgages as they have for Qualified Mortgage loans. Oppose HR 2385; oppose HR 2446; oppose the Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013; oppose H.R. 3193; oppose H.R. 3183; oppose H.R. 2571. Support the Ability to Repay standard and its implementation.Oppose H.R. 3519, the Bureau of Consumer Financial Protection Accountability and Transparency Act. Oppose H.R. 2446, the mis-named Responsible Consumer Financial Protection Regulations Act. Oppose H.R. 1077 / S. 1577 / H.R.2767 / H.R.3211 / S.949 Support any future housing finance system affirmatively establishing pathways to sustainable and affordable homeownership for a wide range of qualified buyers as well as assure an adequate supply of safe and affordable rental homes. Support Affordable Housing Goals and a duty to serve. Support Janet Yellen to serve as Chairwoman of the Board of Governors of the Federal Reserve System. Oppose HR 3193, HR 2385, HR 2446, H.R. 3519, and H.R. 2571 Support reform of the debt collection industry to improve remedies; require documentation about the debt; Require Retention of and Access to Information about Debt Collection Efforts and the Consumer; Adopt Clear Responsibility for Ensuring Collectors Have Complete Information; Require Documentation to Initiate Suit; Prohibit Abusive, Deceptive, Unfair and Harassing Debt Collection Activities by Creditors as well as Collectors; Limit the Number of Telephone Contacts Per Week; Require Collectors to Honor Oral Requests to Cease Communication; Mandate a Simpler Notice of the Right to Verification and to Cease Communication; Mandate Itemization and Meaningful Investigations of Disputes; Stop Collection of Time-Barred Debt; Prevent Abuses of Credit Reports; Protect the Privacy of Servicemembers and Other Consumers; Protect Consumers in Medical Debt Collections; Protect Consumers in Student Loan Debt Collections; and Ban enforcement of forced arbitration clauses when consumers assert claims of illegal debt collection. Support the proposed diversity standards included in the Agencies' Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and Request for Comment. Support Brown (OH) amendment to section 803 of S. 1217. This amendment will significantly improve how servicing is done. In regards to GSE reform, we urged the committe to not provide FMIC insurance to purely private capital markets deals; to ensure strong equity requirements for guarantors; to ensure the new system can serve all regions and eligible borrowers before flipping the switch; to provide pricing transparency and standardization for consumers; to uphold the principles of fair housing and fair lending; to permit more flexibility for the down payment requirement; do not limit the system to QM loans as defined by the CFPB; to facilitate effective loss mitigation by loan servicers; simplify the market-based incentive to provide access to underserved markets; broaden the funding base to provide adequate funding for the Market Access Fund; ensure that FMIC and its offices can collect and use data from market participants to further the purposes of the Act and provide adequate public disclosure; and any down payment requirement must be flexible and established by the regulators. Support the Menendez (NJ) amendment to S. 1217 to address a number of fair housing issues related to the proposed new housing finance system. Support the Federal Housing Finance Agency moving expeitiously toward implementing the Enterprise duty to serve rule as mandated by the Housing and Economic Recovery Act of 2008. Support H.R. 3543 / S. 1761, the Permanently Protecting Tenants at Foreclosure Act. Oppose bringing S. 1217 to the full Senate floor for consideration.Support President Obama nominating new Governors for the two open seats on the Federal Reserve Board who will strongly and effectively represent Main Street, and the aspirations for stability and financial progress of hard working families across the country. Oppose H.R. 3389, H.R. 4262, H.R. 4383, H.R. 4539, H.R. 4604, H.R. 3770, H.R. 4684, H.R. 4662, and the Bureau Examination Fairness Act Support HR 5130. Support an FHFA reversal of the GSE policy on principal reduction. Support the Consumer Financial Protection Bureaus proposed national telephone survey of 1,000 credit card holders as part of its study of pre-dispute binding mandatory (or forced) arbitration. Applaud the CFPB or the substantive work of its staff in developing the Preliminary Results of the Section 1028 Arbitration Study, and for identifying important issues for further study. As the Bureaus research continues, we urge a special focus on the impact of class mandatory arbitration clauses on the ability of individuals to vindicate their rights to a financial marketplace free of discrimination. Oppose abusive and aggressive debt collecting practices and support strong action by the Consumer Financial Protection Bureau to address them. Support H.R. 645 / S. 1837 Support H.R. 3543 / S. 1761 Support S. 2432. Support urging the CFPB to consider the civil rights implications of mandatory arbitration, including whether the increasing use of arbitration clauses in consumer contracts affects the ability of victims of discriminatory lending practices to seek redress in its study of mandatory arbitration conducted pursuant to Section 1028 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Support the reevaluation of all asset disposition policies and programs of HUD to ensure they promote sales to owner-occupant homebuyers rather than investors. Support HR 4984. Oppose HR 3913, HR 4042, HR 5148, and HR 5018. Support allowing consumers to stop preauthorized payments, reverse unlawful payments to illegal payday lenders and others, charge related fees, or make it hard to close their account. Support the Consumer Financial Protection Bureau (CFPB) proposal to publish consumer narratives in the public complaint database. Support HR 5130. Support expected rulemaking by the CFPB addressing payday and car title lending adequately take into account, and address, the profound and disproportionate harm these products have caused and continue to inflict on the communities served and represented by the NAACP.Oppose high price, exploitative payday lending. Support the proposed changes to HMDAs reporting requirements, as proposed y the Consumer Financial Protection Bureu, for mortgage lenders. Support H.R. 1767. Support legislation reqiring HMDA-like reporting for auto loans. Support any rule addressing payday, installment, car title or any other short term lending product issued by the CFPB accomplish the following: 1.Require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; 2.Does not sanction any series of repeat loans or provide any safe harbor of poorly underwritten loans; 3.Establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines 90 days in a twelve-month period. 4.Restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Oppose HR 3211. Support the Department of Labor (DOL)s efforts to update and strengthen the outdated rules adopted 40 years ago that apply when individuals receive professional advice about their retirement investments. Support efforts by the FHA to himplement a new system that categorizes loan errors and treats them differently depending on how significant they are and whether they are intentional, and they have asked for comments on their proposal, but also suggest improvements to the proposed changes. Oppose S. 2732. Support the Department of Defenses (DoD) Proposed Rule regarding Limitations on Terms of Consumer Credit Extended to Service Members and Dependents. Oppose HR 1602

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

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

Support for the Office of Mortgage Settlement Oversight to add fair lending metrics to his review of the loans made by the financial institutions. Support H.R. 645 Support the CFPB's proposed Loan Officer ruleSupport S. 114 Support H.R. 532 Make specific proposals for maximizing the impact of the Independent Foreclossre REview (IFR) to the Office of the Comptroller of the Currency (OCC) and the Federal Reserve. Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support the CFPB fully counting creditor payments to brokers in the determination of points and fees. Support Rich Cordray as Director of CFPB. Support HR 1330 Support S. 673 Oppose H. R. 1077 / S. 949 Urge the CFPB to take specific steps to ensure that student loan modifications are combined with other policies to provide relief to borrowers and prevent defaults in the future. Request a meeting between the NAACP and the US Department of Treasury and various industries who serve primarily racial and ethnic minority, and African American, neighborhoods. Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Support H.R. 1330. Support S. 1238. Oppose H.R. 1911. Oppose S. 1003. Support S. 953Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Oppose H.R. 3211. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support the proposed "Qualified Mortgage" rule as written by the Consumer Financial Protection Bureau. Support the Consumer Financial Protection Bureau on its recent guidance on indirect auto lending. Strongly support adopting the same standards for Qualified Residential Mortgages as they have for Qualified Mortgage loans. Oppose HR 2385; oppose HR 2446; oppose the Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013; oppose H.R. 3193; oppose H.R. 3183; oppose H.R. 2571. Support the Ability to Repay standard and its implementation. Oppose H.R. 3519, the Bureau of Consumer Financial Protection Accountability and Transparency Act. Oppose H.R. 2446, the mis-named Responsible Consumer Financial Protection Regulations Act. Oppose H.R. 1077 / S. 1577 / H.R.2767 / H.R.3211 / S.949. Support any future housing finance system affirmatively establishing pathways to sustainable and affordable homeownership for a wide range of qualified buyers as well as assure an adequate supply of safe and affordable rental homes. Support Affordable Housing Goals and a duty to serve. Support Janet Yellen to serve as Chairwoman of the Board of Governors of the Federal Reserve System. Oppose HR 3193, HR 2385, HR 2446, H.R. 3519, and H.R. 2571. Support an FHFA reversal of the GSE policy on principal reduction.Support reform of the debt collection industry to improve remedies; require documentation about the debt; Require Retention of and Access to Information about Debt Collection Efforts and the Consumer; Adopt Clear Responsibility for Ensuring Collectors Have Complete Information; Require Documentation to Initiate Suit; Prohibit Abusive, Deceptive, Unfair and Harassing Debt Collection Activities by Creditors as well as Collectors; Limit the Number of Telephone Contacts Per Week; Require Collectors to Honor Oral Requests to Cease Communication; Mandate a Simpler Notice of the Right to Verification and to Cease Communication; Mandate Itemization and Meaningful Investigations of Disputes; Stop Collection of Time-Barred Debt; Prevent Abuses of Credit Reports; Protect the Privacy of Servicemembers and Other Consumers; Protect Consumers in Medical Debt Collections; Protect Consumers in Student Loan Debt Collections; and Ban enforcement of forced arbitration clauses when consumers assert claims of illegal debt collection. Support the proposed diversity standards included in the Agencies' Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and Request for Comment. Support Brown (OH) amendment to section 803 of S. 1217. This amendment will significantly improve how servicing is done. In regards to GSE reform, we urged the committe to not provide FMIC insurance to purely private capital markets deals; to ensure strong equity requirements for guarantors; to ensure the new system can serve all regions and eligible borrowers before flipping the switch; to provide pricing transparency and standardization for consumers; to uphold the principles of fair housing and fair lending; to permit more flexibility for the down payment requirement; do not limit the system to QM loans as defined by the CFPB; to facilitate effective loss mitigation by loan servicers; simplify the market-based incentive to provide access to underserved markets; broaden the funding base to provide adequate funding for the Market Access Fund; ensure that FMIC and its offices can collect and use data from market participants to further the purposes of the Act and provide adequate public disclosure; and any down payment requirement must be flexible and established by the regulators. Support the Menendez (NJ) amendment to S. 1217 to address a number of fair housing issues related to the proposed new housing finance system. Support the Federal Housing Finance Agency moving expeitiously toward implementing the Enterprise duty to serve rule as mandated by the Housing and Economic Recovery Act of 2008. Support H.R. 3543 / S. 1761, the Permanently Protecting Tenants at Foreclosure Act. Oppose bringing S. 1217 to the full Senate floor for consideration. Support President Obama nominating new Governors for the two open seats on the Federal Reserve Board who will strongly and effectively represent Main Street, and the aspirations for stability and financial progress of hard working families across the country. Oppose H.R. 3389, H.R. 4262, H.R. 4383, H.R. 4539, H.R. 4604, H.R. 3770, H.R. 4684, H.R. 4662, and the Bureau Examination Fairness Act Support HR 5130 Support the Consumer Financial Protection Bureaus proposed national telephone survey of 1,000 credit card holders as part of its study of pre-dispute binding mandatory (or forced) arbitration. Applaud the CFPB or the substantive work of its staff in developing the Preliminary Results of the Section 1028 Arbitration Study, and for identifying important issues for further study. As the Bureaus research continues, we urge a special focus on the impact of class mandatory arbitration clauses on the ability of individuals to vindicate their rights to a financial marketplace free of discrimination.Oppose abusive and aggressive debt collecting practices and support strong action by the Consumer Financial Protection Bureau to address them. Support H.R. 645 / S. 1837 Support H.R. 3543 / S. 1761 Support S. 2432. Support urging the CFPB to consider the civil rights implications of mandatory arbitration, including whether the increasing use of arbitration clauses in consumer contracts affects the ability of victims of discriminatory lending practices to seek redress in its study of mandatory arbitration conducted pursuant to Section 1028 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Support the reevaluation of all asset disposition policies and programs of HUD to ensure they promote sales to owner-occupant homebuyers rather than investors. Support HR 4984. Oppose HR 3913, HR 4042, HR 5148, and HR 5018. Support allowing consumers to stop preauthorized payments, reverse unlawful payments to illegal payday lenders and others, charge related fees, or make it hard to close their account. Support the Consumer Financial Protection Bureau (CFPB) proposal to publish consumer narratives in the public complaint database. Support expected rulemaking by the CFPB addressing payday and car title lending adequately take into account, and address, the profound and disproportionate harm these products have caused and continue to inflict on the communities served and represented by the NAACP. Oppose high price, exploitative payday lending. Support the proposed changes to HMDAs reporting requirements, as proposed y the Consumer Financial Protection Bureu, for mortgage lenders. Any new guarantee fee structure must be reviewed to ascertain its disparate impact on the already limited access to credit in minority neighborhoods. Support H.R. 1767. Support legislation reqiring HMDA-like reporting for auto loans.Support any rule addressing payday, installment, car title or any other short term lending product issued by the CFPB accomplish the following: 1.Require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; 2.Does not sanction any series of repeat loans or provide any safe harbor of poorly underwritten loans; 3.Establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines 90 days in a twelve-month period. 4.Restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Oppose HR 3211. Support the Department of Labor (DOL)s efforts to update and strengthen the outdated rules adopted 40 years ago that apply when individuals receive professional advice about their retirement investments. Support efforts by the FHA to himplement a new system that categorizes loan errors and treats them differently depending on how significant they are and whether they are intentional, and they have asked for comments on their proposal, but also suggest improvements to the proposed changes. Support prohibiting lenders from providing compensation to auto dealers through interest rate markups. Oppose S. 2732. Support the Department of Defenses (DoD) Proposed Rule regarding Limitations on Terms of Consumer Credit Extended to Service Members and Dependents. Oppose HR 1602.

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

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

Please see addendum.H.R. 367, Regulations from the Executive in Need of Scrutiny Act of 2013, all provisions H.R. 2385, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to set the rate of pay for employees of the Bureau of Consumer Financial Protection in accordance with the General Schedule, all provisions H.R. 2402, Consumer Financial Protection Commission Act, all provisions H.R. 2446, a bill to replace the Director of the Bureau of Consumer Financial Protection with a five person Commission, all provisions H.R. 2779, To establish a separate Inspector General for the Bureau of Consumer Financial Protection H.R. 3770, the CFPB-IG Act, all provisions H.R. 4262, the Bureau Advisory Commission Transparency Act H.R. 4383, the Bureau of Consumer Financial Protection Small Business Board, all provisions H.R. 4662, the Bureau Advisory Opinion Act, all provisions S. 15, Regulations from the Executive in Need of Scrutiny Act of 2013, all provisions Pittenger Amendment in the nature of a substitute to H.R. 4383, the CFPB Small Business Board Act, provisions related to the codification of the Credit Union Advisory Council at the CFPB.

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

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Draft Cosmetic Safety Legislation. H.R. 2359; Safe Cosmetics Act of 2013; entire bill. H.R. 4262; Cosmetic Safety Enhancement Act of 2013; entire bill.H.R. 4148; Humane Cosmetics Act, entire bill. S.2911; Super Pollutants Act of 2014; entire bill.

Client expense: $140,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

(1) Urge CFPB to enact strong fair debt collection rule reforms, regulate arbitration, and take other steps to protect consumers. (2) Support bank overdraft fee reform (HR 1261) (3) Support independent funding, authority and structure of CFPB. Oppose all bills to weaken CFPB including HR 3193, the Consumer Financial Freedom and Washington Accountability Act; HR 450, the Bureau of Consumer Financial Protection Accountability Act; H.R. 3389, the CFPB Slush Fund Elimination Act; H.R. 4604, the CFPB Data Collection Security Act; H.R. 4262, the Bureau Advisory Commission Transparency Act; H.R. 4539, the Bureau Research Transparency Act; H.R. 3770, the CFPB-IG Act of 2013; H.R. 4383, the Bureau of Consumer Financial Protection Small Business Advisory Board Act; H.R. 4804, the Bureau Examination Fairness Act; H.R. 4662, the Bureau Advisory Opinion Act; H.R. 4811, the Bureau Guidance Transparency Act; HR .S 18., S. 205, S 190, S. 238, S. 450 and any similar bills or budgetary line items or appropriations riders, including Sections 501-504 of HR 5016, the Financial Services and General Government Appropriations Act, 2015. (4) Support legislation to rein in payday lending and similar predatory loan practices, including HR 990 and S 172. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders, such as H.R. 1566, the so-called Consumer Credit Access, Innovation, and Modernization Act. . Urge CFPB, and other regulators to prevent banks from offering similar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores, such as S 471/HR 1002. (6) Work to protect consumer privacy notices from full repeal (HR 749, S 635). (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including REINS ACT (S 15) and the sweeping so-called Jobs Act (HR 4) and any similar bills, including bills to impose OMB cost-benefit rules on independent agencies including the CFPB and others. (7) Support full funding and authority for all other financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer contracts, such as support for Arbitration Fairness Act (Arbitration Fairness Act of 2013 (or AFA), S. 878,). (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms, such as the 21st Century Glass-Steagall Act, S 1282. Oppose efforts to weaken that authority, including HR 797, which would weaken protections for municipal borrowers (12) Urge CFPB/DeptofEd and administration to support strong gainful employment rules for for-profit schools and to protect students from unfair debit and prepaid card loan disbursement and other on-campus practices. (13) Support CFPB/DOE efforts to protect students from unfair private student loan practices. (14) Support Congressional and agency efforts to protect consumers from new and under-regulated uses of consumer data. Urge financial agencies and FTC to protect consumer privacy and to regulate Internet credit scoring models, data brokers and other practices involving the sale or mining of consumer social networking and other information. Regulate tracking of consumers. Similarly, urge that amendments to Electronic Communications Privacy Act reflect need for consumer/citizen privacy. (15) Support efforts to establish anti-speculation Financial Transactions Tax (HR 880, S 410). (16) Oppose efforts to weaken investor protections, including under guise of implementing JOBS Act of 2012. (17) Support efforts to eliminate Deceptive Loan Checks (S 187); Urge that any cybersecurity legislation includes privacy protections in Title VII of S. 3414 (2012). (18) Urge CFPB to use authority to ensure private education lenders obtain school certification prior to disbursing private education loans and urge CFPB/DeptofEd to protect students. (19) Urge opposition to H.R. 1256, the so-called Swaps Jurisdiction Certainty Act and similar proposals to weaken CFTC authority. (20) Generally urge CFPB to implement strongest possible consumer protections, including to protect consumers from unfair pre-dispute arbitration agreements, from credit bureau mistakes, from fee-harvester credit cards, unfair debt collector practices, as well as strongest mortgage and foreclosure rules, etc. (21) Urge FTC to enact and enforce strong consumer rules on issues ranging from privacy to used car rules to debt collection and debt settlement firms. (22) Protect and enhance Durbin amendment limiting so-called merchant swipe or interchange fees on debit cards. (23) Support Freedom and Mobility in Consumer Banking Act, HR 3137 (Schakowsky) and S 1534 (Harkin). (24) Oppose HR 2538 to allow full file credit reporting without adequate safeguards.(25) Support HR 2998, Investor Choice Act to eliminate mandatory arbitration in investor disputes (Ellison). (26) Urge FTC to strengthen Telemarketing Sales Rule. (27) Urge Department of Defense to strengthen Military Lending Act regarding Limitations on Terms of Consumer Credit Extended to Service Members and Dependents to close loopholes, ban forced arbitration and for other purposes (28) Oppose S. 710, the so-called Municipal Advisors Relief Act of 2013. (29) Oppose H.R. 2655, the so-called Lawsuit Abuse Reduction Act. (30) Support efforts by CFPB and prudential regulators to end discriminatory lending practices in the auto finance market that harm minority car buyers. (31) Support the Net Price Calculator Improvement Act for college student loan comparisons. (32) Urge bank regulators take further strong action to protect consumers and the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. (33) Urge CFPB to propose and enact strong, comprehensive rule regulating online and storefront payday and similar small-dollar loans. (34) Support legislation such as S.1654 the- Government Settlement Transparency and Reform Act and urge CFPB, DOJ, FTC, SEC and other agencies to include language in lawsuit settlements to prevent corporate wrongdoers from taking tax writeoffs on any penalties or restitution paid to Treasury or consumer-victims. Urge that these settlements be made public. (35) Urge U.S. Treasury Departments Federal Insurance Office (FIO) to make strongest possible policy proposals to protect insurance consumers from anti-competitive pricing and marketing and other practices endemic to the property and casualty insurance industry. (36) Urge the President to nominate pro-consumer appointees to agency boards, commissions and directorships. (37) Oppose the Fair Debt Collection Practices Technical Clarification Act of 2013, HR 2892. (38) Urge Department of Labor and SEC to rapidly enact fiduciary rules to protect investors. (39) Urge administration to nominate and Senate to confirm strong pro-consumer governors to Federal Reserve Board, (40) Oppose legislative and other efforts to weaken agency authority to regulate payment processors and financial firms that may aid and abet consumer fraud (so-called Operation Choke Point), (41) Support efforts such as S 2868 to extend stautue of limitations for SEC actions against investor fraud.

Client expense: $5,752 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 673 (to amend TILA to establish a national usury rate for consumer credit transactions)S. 690 (to create an Office of the Homeowner Advocate) S. 727 (to improve the examination of depository institutions, and for other purposes) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 949 (to oppose amending the Truth in Lending Act to change definitions provided for points and fees in connection with a mortgage transaction) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1187 (to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt) S. 1217 (to provide secondary mortgage market reform, and for other purposes) S. 1349 (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. 1376 (to improve FHA and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes) S. 1577 (to oppose amending the Truth in Lending Act to improve upon definitions provided for points and fees in connection with a mortgage transaction) S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) S. 2641 (to oppose amending 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) S. 3047 (to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.) S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members) S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit) S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions). S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies) S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC ) S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule) S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes). H.R. 830 (to continue to FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue HAMP) H.R. 861 (to continue NSP) H.R. 1077 (to oppose amending TILA to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1261 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions, and for other purposes) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 (to require minimum mortgage servicing standards) H.R. 1553 (to improve the examination of depository institutions, and for other purposes) H.R. 1566 (to oppose creating a federal charter for Internet consumer credit corporations, and for other purposes) H.R. 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1750 (to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1779 (to oppose amending the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure)H.R. 2672 (to oppose amending the Dodd-Frank Wall Street Reform and Consumer Protection Act to provide for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes) H.R. 2673 (to oppose amending the Truth in Lending Act to provide that residential mortgage loans held on portfolio qualify as qualified mortgages for purposes of the presumption of the ability to repay requirements under such Act). H.R. 2767 (to oppose legislation to protect American taxpayers and homeowners by creating sustainable housing finance system for the 21st century) H.R. 2788 (to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt) H.R. 2892 (to oppose amending the Fair Debt Collection Practices Act to preclude law firms and licensed attorneys from the definition of a debt collector when taking certain actions)H.R. 2994 (to amend the Internal Revenue Code of 1986 to extend for one year the exclusion from gross income of discharges of qualified principal residence indebtedness) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers) H.R. 3211 (to oppose amending the Truth in Lending Act to improve upon definitions provided for points and fees in connection with a mortgage transaction) H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes) H.R. 3529 (to provide exemptions from certain mortgage, servicing, and appraisal requirements for non-profit low-income housing providers, and for other purposes) H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system) H.R. 3648 (to support amending the Internal Revenue Code of 1986 to exclude discharges of indebtedness on principal residences from gross income, and for other purposes) H.R. 3770 (to oppose requiring Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and for other purposes) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purposes) H.R. 4262 (to oppose applying the requirements of the Federal Advisory Committee Act to the Bureau of Consumer Financial Protection) H.R. 4310 (to support amending the Military Lending Act to provide additional enhancements of protections on consumer credit for members of the armed forces and their dependents) H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 4236 (to amend the Higher Education Act of 1965 and the Truth in Lending Act to clarify the application of prepayment amounts on student loans) H.R. 4383 (to oppose mend the Consumer Financial Protection Act of 2010 to establish a Small Business Advisory Board, and for other purposes) H.R. 4466 (to oppose requiring certain financial regulators to determine whether new regulations or orders are duplicative or inconsistent with existing Federal regulations, and for other purposes. H.R. 4521 (to oppose modifying exemptions for small creditors and mortgage loan servicers, to require a study of appropriate capital requirements for mortgage servicing assets for non-systemic banking institutions, and for other purposes) H.R. 4539 (to oppose requiring the Bureau of Consumer Financial Protection, when issuing a research paper, to include all studies, data, and other analyses on which the paper was based) H.R. 4604 (to oppose amending the Consumer Financial Protection Act of 2010 to create a consumer opt-out list for data collected by the Bureau, to put time limits on data held by the Bureau, and for other purposes) H.R. 4684 (to oppose providing for a notice and comment period before the Bureau of Consumer Financial Protection issues guidance, and for other purposes) H.R. 4986 (to oppose amending certain banking statutes in response to Operation Choke Point) H.R. 5130 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions) H.R. 5403 (to oppose nullifying guidance of the Bureau of Consumer Financial Protection and to provide requirements for guidance issued by the Bureau with respect to indirect auto lending) H.R. 5461 (to oppose clarifying 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. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions) H.R. 6139 (to oppose federal chartering of national consumer credit corporations)BILLS UNDER DISCUSSION/NOT YET INTRODUCED Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to address abusive payday lending practices House legislation to amend the Real Estate Settlement Procedures Act of 1974 to prohibit certain financial benefits for referrals of business and to improve the judicial relief for certain violations, and for other purposes. House legislation to amend the Truth in Lending Act to strengthen consumer protection in automobile lending and to establish requirements for the collection of data related to automobile lending. House legislation on debit cards (to ensure there are fair consumer protections for debit card users) House legislation to provide secondary mortgage market reform, and for other purposes (The HOME Forward Act of 2014) House legislation to amend the Truth in Lending Act to exempt certain higher-risk mortgages from property appraisal requirements and to exempt individuals from penalties for failure to report certain appraisers, and to amend the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to exempt certain higher-risk mortgages from property appraisal requirements, and for other purposes (The Access to Affordable Mortgages Act of 2014).

Client expense: $95,000 · Firm income: Not reported

Government targets: Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), Postal Regulatory Commission, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

See addendum.S. 215, the Federal Reserve Single Mandate Act of 2013 (all provisions) S. 450, the Financial Regulatory Responsibility Act of 2013 (all provisions) H.R. 1062, the SEC Regulatory Accountability Act (all provisions) H.R. 2446, the Responsible Consumer Financial Protection Regulations Act of 2013 H.R. 3193, the Consumer Financial Protection Safety and Soundness Improvement Act of 2013 H.R. 3928, Federal Reserve Accountability and Transparency Act of 2014 H.R. 3913, to amend the Bank Holding Company Act of 1956 to require agencies to make considerations relating to the promotion of efficiency, competition, and capital formation before issuing or modifying certain regulations. H.R. 4387, FSOC Transparency and Accountability Act H.R. 4383, Bureau of Consumer Financial Protection Small Business Advisory Board Act H.R. 4262, Bureau Advisory Commission Transparency Act H.R. 4539, Bureau Research Transparency Act H.R. 4684, Bureau Guidance Transparency Act H.R. 5018, Federal Reserve Accountability and Transparency Act of 2014 H.R. 5037, the Office of Financial Research Accountability Act of 2014 H.R. 5180, Financial Stability Oversight Council Improvement Act of 2014 H.R. 5188, to amend the Consumer Financial Protection Act of 2010 to require the CFPB to develop a model form for a disclosure notice for depository institutions and credit unions. S. 2696, a bill to require the Federal Reserve to make certain changes to the small bank holding company policy statement on assessment of financial and managerial factors. S. 2732, CFPB Examination and Reporting Threshold Act of 2014

Client expense: $2,560,000 · Firm income: Not reported

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

Please see addendum.H.R. 367, Regulations from the Executive in Need of Scrutiny Act of 2013, all provisions H.R. 2385, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to set the rate of pay for employees of the Bureau of Consumer Financial Protection in accordance with the General Schedule, all provisions H.R. 2402, Consumer Financial Protection Commission Act, all provisions H.R. 2446, a bill to replace the Director of the Bureau of Consumer Financial Protection with a five person Commission, all provisions H.R. 2779, To establish a separate Inspector General for the Bureau of Consumer Financial Protection H.R. 3770, the CFPB-IG Act, all provisions H.R. 4262, the Bureau Advisory Commission Transparency Act H.R. 4383, the Bureau of Consumer Financial Protection Small Business Board, all provisions H.R. 4662, the Bureau Advisory Opinion Act, all provisions S. 15, Regulations from the Executive in Need of Scrutiny Act of 2013, all provisions Pittenger Amendment in the nature of a substitute to H.R. 4383, the CFPB Small Business Board Act, provisions related to the codification of the Credit Union Advisory Council at the CFPB.

Client expense: $1,060,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support S. 673 Support Rich Cordray as Director of CFPB.Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose H. R. 1077 / S. 949. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Oppose H.R. 3211. Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support S. 1150 / H.R. 3097, legislation to posthumously award a congressional gold medal to Judge Constance Baker Motley. Support the proposed "Qualified Mortgage" rule as written by the Consumer Financial Protection Bureau. Support the Consumer Financial Protection Bureau on its recent guidance on indirect auto lending. Strongly support adopting the same standards for Qualified Residential Mortgages as they have for Qualified Mortgage loans. Oppose HR 2385; oppose HR 2446; oppose the Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013; oppose H.R. 3193; oppose H.R. 3183; oppose H.R. 2571. Support the Ability to Repay standard and its implementation.Oppose H.R. 3519, the Bureau of Consumer Financial Protection Accountability and Transparency Act. Oppose H.R. 2446, the mis-named Responsible Consumer Financial Protection Regulations Act. Oppose H.R. 1077 / S. 1577 / H.R.2767 / H.R.3211 / S.949 Support any future housing finance system affirmatively establishing pathways to sustainable and affordable homeownership for a wide range of qualified buyers as well as assure an adequate supply of safe and affordable rental homes. Support Affordable Housing Goals and a duty to serve. Support Janet Yellen to serve as Chairwoman of the Board of Governors of the Federal Reserve System. Oppose HR 3193, HR 2385, HR 2446, H.R. 3519, and H.R. 2571 Support reform of the debt collection industry to improve remedies; require documentation about the debt; Require Retention of and Access to Information about Debt Collection Efforts and the Consumer; Adopt Clear Responsibility for Ensuring Collectors Have Complete Information; Require Documentation to Initiate Suit; Prohibit Abusive, Deceptive, Unfair and Harassing Debt Collection Activities by Creditors as well as Collectors; Limit the Number of Telephone Contacts Per Week; Require Collectors to Honor Oral Requests to Cease Communication; Mandate a Simpler Notice of the Right to Verification and to Cease Communication; Mandate Itemization and Meaningful Investigations of Disputes; Stop Collection of Time-Barred Debt; Prevent Abuses of Credit Reports; Protect the Privacy of Servicemembers and Other Consumers; Protect Consumers in Medical Debt Collections; Protect Consumers in Student Loan Debt Collections; and Ban enforcement of forced arbitration clauses when consumers assert claims of illegal debt collection. Support the proposed diversity standards included in the Agencies' Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and Request for Comment. Support Brown (OH) amendment to section 803 of S. 1217. This amendment will significantly improve how servicing is done. In regards to GSE reform, we urged the committe to not provide FMIC insurance to purely private capital markets deals; to ensure strong equity requirements for guarantors; to ensure the new system can serve all regions and eligible borrowers before flipping the switch; to provide pricing transparency and standardization for consumers; to uphold the principles of fair housing and fair lending; to permit more flexibility for the down payment requirement; do not limit the system to QM loans as defined by the CFPB; to facilitate effective loss mitigation by loan servicers; simplify the market-based incentive to provide access to underserved markets; broaden the funding base to provide adequate funding for the Market Access Fund; ensure that FMIC and its offices can collect and use data from market participants to further the purposes of the Act and provide adequate public disclosure; and any down payment requirement must be flexible and established by the regulators. Support the Menendez (NJ) amendment to S. 1217 to address a number of fair housing issues related to the proposed new housing finance system. Support the Federal Housing Finance Agency moving expeitiously toward implementing the Enterprise duty to serve rule as mandated by the Housing and Economic Recovery Act of 2008. Support H.R. 3543 / S. 1761, the Permanently Protecting Tenants at Foreclosure Act. Oppose bringing S. 1217 to the full Senate floor for consideration.Support President Obama nominating new Governors for the two open seats on the Federal Reserve Board who will strongly and effectively represent Main Street, and the aspirations for stability and financial progress of hard working families across the country. Oppose H.R. 3389, H.R. 4262, H.R. 4383, H.R. 4539, H.R. 4604, H.R. 3770, H.R. 4684, H.R. 4662, and the Bureau Examination Fairness Act Support HR 5130. Support an FHFA reversal of the GSE policy on principal reduction. Support the Consumer Financial Protection Bureaus proposed national telephone survey of 1,000 credit card holders as part of its study of pre-dispute binding mandatory (or forced) arbitration. Applaud the CFPB or the substantive work of its staff in developing the Preliminary Results of the Section 1028 Arbitration Study, and for identifying important issues for further study. As the Bureaus research continues, we urge a special focus on the impact of class mandatory arbitration clauses on the ability of individuals to vindicate their rights to a financial marketplace free of discrimination. Oppose abusive and aggressive debt collecting practices and support strong action by the Consumer Financial Protection Bureau to address them. Support H.R. 645 / S. 1837 Support H.R. 3543 / S. 1761 Support S. 2432. Support urging the CFPB to consider the civil rights implications of mandatory arbitration, including whether the increasing use of arbitration clauses in consumer contracts affects the ability of victims of discriminatory lending practices to seek redress in its study of mandatory arbitration conducted pursuant to Section 1028 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Support the reevaluation of all asset disposition policies and programs of HUD to ensure they promote sales to owner-occupant homebuyers rather than investors. Support HR 4984. Oppose HR 3913, HR 4042, HR 5148, and HR 5018. Support allowing consumers to stop preauthorized payments, reverse unlawful payments to illegal payday lenders and others, charge related fees, or make it hard to close their account. Support the Consumer Financial Protection Bureau (CFPB) proposal to publish consumer narratives in the public complaint database. Support HR 5130. Support expected rulemaking by the CFPB addressing payday and car title lending adequately take into account, and address, the profound and disproportionate harm these products have caused and continue to inflict on the communities served and represented by the NAACP.

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

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

Support for the Office of Mortgage Settlement Oversight to add fair lending metrics to his review of the loans made by the financial institutions. Support H.R. 645 Support the CFPB's proposed Loan Officer ruleSupport S. 114 Support H.R. 532 Make specific proposals for maximizing the impact of the Independent Foreclossre REview (IFR) to the Office of the Comptroller of the Currency (OCC) and the Federal Reserve. Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support the CFPB fully counting creditor payments to brokers in the determination of points and fees. Support Rich Cordray as Director of CFPB. Support HR 1330 Support S. 673 Oppose H. R. 1077 / S. 949 Urge the CFPB to take specific steps to ensure that student loan modifications are combined with other policies to provide relief to borrowers and prevent defaults in the future. Request a meeting between the NAACP and the US Department of Treasury and various industries who serve primarily racial and ethnic minority, and African American, neighborhoods. Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Support H.R. 1330. Support S. 1238. Oppose H.R. 1911. Oppose S. 1003. Support S. 953Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Oppose H.R. 3211. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support the proposed "Qualified Mortgage" rule as written by the Consumer Financial Protection Bureau. Support the Consumer Financial Protection Bureau on its recent guidance on indirect auto lending. Strongly support adopting the same standards for Qualified Residential Mortgages as they have for Qualified Mortgage loans. Oppose HR 2385; oppose HR 2446; oppose the Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013; oppose H.R. 3193; oppose H.R. 3183; oppose H.R. 2571. Support the Ability to Repay standard and its implementation. Oppose H.R. 3519, the Bureau of Consumer Financial Protection Accountability and Transparency Act. Oppose H.R. 2446, the mis-named Responsible Consumer Financial Protection Regulations Act. Oppose H.R. 1077 / S. 1577 / H.R.2767 / H.R.3211 / S.949. Support any future housing finance system affirmatively establishing pathways to sustainable and affordable homeownership for a wide range of qualified buyers as well as assure an adequate supply of safe and affordable rental homes. Support Affordable Housing Goals and a duty to serve. Support Janet Yellen to serve as Chairwoman of the Board of Governors of the Federal Reserve System. Oppose HR 3193, HR 2385, HR 2446, H.R. 3519, and H.R. 2571. Support an FHFA reversal of the GSE policy on principal reduction.Support reform of the debt collection industry to improve remedies; require documentation about the debt; Require Retention of and Access to Information about Debt Collection Efforts and the Consumer; Adopt Clear Responsibility for Ensuring Collectors Have Complete Information; Require Documentation to Initiate Suit; Prohibit Abusive, Deceptive, Unfair and Harassing Debt Collection Activities by Creditors as well as Collectors; Limit the Number of Telephone Contacts Per Week; Require Collectors to Honor Oral Requests to Cease Communication; Mandate a Simpler Notice of the Right to Verification and to Cease Communication; Mandate Itemization and Meaningful Investigations of Disputes; Stop Collection of Time-Barred Debt; Prevent Abuses of Credit Reports; Protect the Privacy of Servicemembers and Other Consumers; Protect Consumers in Medical Debt Collections; Protect Consumers in Student Loan Debt Collections; and Ban enforcement of forced arbitration clauses when consumers assert claims of illegal debt collection. Support the proposed diversity standards included in the Agencies' Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and Request for Comment. Support Brown (OH) amendment to section 803 of S. 1217. This amendment will significantly improve how servicing is done. In regards to GSE reform, we urged the committe to not provide FMIC insurance to purely private capital markets deals; to ensure strong equity requirements for guarantors; to ensure the new system can serve all regions and eligible borrowers before flipping the switch; to provide pricing transparency and standardization for consumers; to uphold the principles of fair housing and fair lending; to permit more flexibility for the down payment requirement; do not limit the system to QM loans as defined by the CFPB; to facilitate effective loss mitigation by loan servicers; simplify the market-based incentive to provide access to underserved markets; broaden the funding base to provide adequate funding for the Market Access Fund; ensure that FMIC and its offices can collect and use data from market participants to further the purposes of the Act and provide adequate public disclosure; and any down payment requirement must be flexible and established by the regulators. Support the Menendez (NJ) amendment to S. 1217 to address a number of fair housing issues related to the proposed new housing finance system. Support the Federal Housing Finance Agency moving expeitiously toward implementing the Enterprise duty to serve rule as mandated by the Housing and Economic Recovery Act of 2008. Support H.R. 3543 / S. 1761, the Permanently Protecting Tenants at Foreclosure Act. Oppose bringing S. 1217 to the full Senate floor for consideration. Support President Obama nominating new Governors for the two open seats on the Federal Reserve Board who will strongly and effectively represent Main Street, and the aspirations for stability and financial progress of hard working families across the country. Oppose H.R. 3389, H.R. 4262, H.R. 4383, H.R. 4539, H.R. 4604, H.R. 3770, H.R. 4684, H.R. 4662, and the Bureau Examination Fairness Act Support HR 5130 Support the Consumer Financial Protection Bureaus proposed national telephone survey of 1,000 credit card holders as part of its study of pre-dispute binding mandatory (or forced) arbitration. Applaud the CFPB or the substantive work of its staff in developing the Preliminary Results of the Section 1028 Arbitration Study, and for identifying important issues for further study. As the Bureaus research continues, we urge a special focus on the impact of class mandatory arbitration clauses on the ability of individuals to vindicate their rights to a financial marketplace free of discrimination.Oppose abusive and aggressive debt collecting practices and support strong action by the Consumer Financial Protection Bureau to address them. Support H.R. 645 / S. 1837 Support H.R. 3543 / S. 1761 Support S. 2432. Support urging the CFPB to consider the civil rights implications of mandatory arbitration, including whether the increasing use of arbitration clauses in consumer contracts affects the ability of victims of discriminatory lending practices to seek redress in its study of mandatory arbitration conducted pursuant to Section 1028 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. Support the reevaluation of all asset disposition policies and programs of HUD to ensure they promote sales to owner-occupant homebuyers rather than investors. Support HR 4984. Oppose HR 3913, HR 4042, HR 5148, and HR 5018. Support allowing consumers to stop preauthorized payments, reverse unlawful payments to illegal payday lenders and others, charge related fees, or make it hard to close their account. Support the Consumer Financial Protection Bureau (CFPB) proposal to publish consumer narratives in the public complaint database. Support expected rulemaking by the CFPB addressing payday and car title lending adequately take into account, and address, the profound and disproportionate harm these products have caused and continue to inflict on the communities served and represented by the NAACP.

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

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

Implementation of Sections 1411, 1412 and 1413 of PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, provisions related to ability to repay standard and qualified mortgage safe harbor. H.R. 4383, Bureau of Consumer Financial Protection Small Business Advisory Board Act, a bill to amend the Consumer Financial Protection Act of 2010 to establish a Small Business Advisory Board; entire bill.H.R. 1077, Consumer Mortgage Choice Act, a bill to amend the Truth in Lending Act with respect to the definitions provided for points and fees in connection with a mortgage transaction; entire bill. H.R. 3211, the Mortgage Choice Act, a bill to amend the Truth in Lending Act to change the definitions provided for points and fees in connection with a mortgage transaction; entire bill. S. 1577, the Mortgage Choice Act of 2013, a bill to amend the Truth in Lending Act to change the definitions provided for points and fees in connection with a mortgage transaction, entire bill. S. 949, the Consumer Mortgage Choice Act, a bill to amend the Truth in Lending Act to change the definitions of points and fees in connection with a mortgage transaction, entire bill. H.R. 508, Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013, a bill to extend the Terrorism Risk Insurance Program for five years, entire bill. S. 1217, Housing Finance Reform and Taxpayer Protection Act of 2013, a bill to reform the secondary mortgage market; entire bill. H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013, a bill to protect American taxpayers and homeowners by creating a sustainable housing finance system for the 21st century; entire bill. H.R. 2146, Terrorism Risk Insurance Program Reauthorization Act of 2013, a bill to amend the Terrorism Risk Insurance Act of 2002 to extend from December 31, 2014, through December 31, 2024, the Terrorism Risk Insurance program; entire bill. General education concerning proposals under consideration as part of mortgage finance reform legislation. Final Rule RIN 3170-AA19 (Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z)). General education regarding Consumer Financial Protection Bureau's Bulletin 2012-03, regarding service provider relationships with financial institutions under the Bureau's supervision. Draft legislation to reform the housing finance market by eliminating Fannie Mae and Freddie Mac and creating a new, cooperative-owned securities issuer. No bill introduced. Draft legislation to reform the housing finance market by winding down Fannie Mae & Freddie Mac and allowing private entities to replace most of their functions. No bill introduced. S. 2244, Terrorism Risk Insurance Program Reauthorization Act of 2014, a bill to amend the Terrorism Risk Insurance Act of 2002 to extend the Terrorism Insurance Program through December 31, 2021; entire bill. H.R. 4871, TRIA Reform Act of 2014, a bill to reauthorize the Terrorism Risk Insurance Act of 2002. H.R. 4262, Bureau Advisory Commission Transparency Act, a bill to amend the Consumer Financial Protection Act of 2010 to make the Federal Advisory Committee Act applicable to each advisory committee of the Consumer Financial Protection Bureau; entire bill. H.R. 3770, Burea of Consumer Financial Protection-Inspector General Reform Act of 2013, a bill to amend the Inspector General Act of 1978 to repeal the authority of the Chairman of the Board of Governors of the Federal Reserve System to appoint the Inspector General of the Consumer Financial Protection Bureau; entire bill. H.R. 4662, Bureau Advisory Opinion Act, a bill to amend the Consumer Financial Protection Act of 2010 to establish an advisory opinion process for the Bureau of Consumer Financial Protection; entire bill. H.R. 4811, Bureau Guidance Transparency Act, a bill to provide for a notice and comment period before the Bureau of Consumer Financial Protection issues guidance; entire bill. H.R. 3389, CFPB Slush Fund Elmination Act of 2013, a bill to amend the Consumer Financial Protection Act of 2010 to repeal the Consumer Financial Civil Penalty Fund, into which are deposited any civil penalties paid in judicial or administrative actions under federal consumer financial laws. 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; entire bill.

Client expense: $100,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE

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

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

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

Support for the Office of Mortgage Settlement Oversight to add fair lending metrics to his review of the loans made by the financial institutions. Support H.R. 645 Support the CFPB's proposed Loan Officer ruleSupport S. 114 Support H.R. 532 Make specific proposals for maximizing the impact of the Independent Foreclossre REview (IFR) to the Office of the Comptroller of the Currency (OCC) and the Federal Reserve. Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support the CFPB fully counting creditor payments to brokers in the determination of points and fees. Support Rich Cordray as Director of CFPB. Support HR 1330 Support S. 673 Oppose H. R. 1077 / S. 949 Urge the CFPB to take specific steps to ensure that student loan modifications are combined with other policies to provide relief to borrowers and prevent defaults in the future. Request a meeting between the NAACP and the US Department of Treasury and various industries who serve primarily racial and ethnic minority, and African American, neighborhoods. Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Support H.R. 1330. Support S. 1238. Oppose H.R. 1911. Oppose S. 1003. Support S. 953Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Oppose H.R. 3211. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support the proposed "Qualified Mortgage" rule as written by the Consumer Financial Protection Bureau. Support the Consumer Financial Protection Bureau on its recent guidance on indirect auto lending. Strongly support adopting the same standards for Qualified Residential Mortgages as they have for Qualified Mortgage loans. Oppose HR 2385; oppose HR 2446; oppose the Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013; oppose H.R. 3193; oppose H.R. 3183; oppose H.R. 2571. Support the Ability to Repay standard and its implementation. Oppose H.R. 3519, the Bureau of Consumer Financial Protection Accountability and Transparency Act. Oppose H.R. 2446, the mis-named Responsible Consumer Financial Protection Regulations Act. Oppose H.R. 1077 / S. 1577 / H.R.2767 / H.R.3211 / S.949. Support any future housing finance system affirmatively establishing pathways to sustainable and affordable homeownership for a wide range of qualified buyers as well as assure an adequate supply of safe and affordable rental homes. Support Affordable Housing Goals and a duty to serve. Support Janet Yellen to serve as Chairwoman of the Board of Governors of the Federal Reserve System. Oppose HR 3193, HR 2385, HR 2446, H.R. 3519, and H.R. 2571. Support an FHFA reversal of the GSE policy on principal reduction.Support reform of the debt collection industry to improve remedies; require documentation about the debt; Require Retention of and Access to Information about Debt Collection Efforts and the Consumer; Adopt Clear Responsibility for Ensuring Collectors Have Complete Information; Require Documentation to Initiate Suit; Prohibit Abusive, Deceptive, Unfair and Harassing Debt Collection Activities by Creditors as well as Collectors; Limit the Number of Telephone Contacts Per Week; Require Collectors to Honor Oral Requests to Cease Communication; Mandate a Simpler Notice of the Right to Verification and to Cease Communication; Mandate Itemization and Meaningful Investigations of Disputes; Stop Collection of Time-Barred Debt; Prevent Abuses of Credit Reports; Protect the Privacy of Servicemembers and Other Consumers; Protect Consumers in Medical Debt Collections; Protect Consumers in Student Loan Debt Collections; and Ban enforcement of forced arbitration clauses when consumers assert claims of illegal debt collection. Support the proposed diversity standards included in the Agencies' Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and Request for Comment. Support Brown (OH) amendment to section 803 of S. 1217. This amendment will significantly improve how servicing is done. In regards to GSE reform, we urged the committe to not provide FMIC insurance to purely private capital markets deals; to ensure strong equity requirements for guarantors; to ensure the new system can serve all regions and eligible borrowers before flipping the switch; to provide pricing transparency and standardization for consumers; to uphold the principles of fair housing and fair lending; to permit more flexibility for the down payment requirement; do not limit the system to QM loans as defined by the CFPB; to facilitate effective loss mitigation by loan servicers; simplify the market-based incentive to provide access to underserved markets; broaden the funding base to provide adequate funding for the Market Access Fund; ensure that FMIC and its offices can collect and use data from market participants to further the purposes of the Act and provide adequate public disclosure; and any down payment requirement must be flexible and established by the regulators. Support the Menendez (NJ) amendment to S. 1217 to address a number of fair housing issues related to the proposed new housing finance system. Support the Federal Housing Finance Agency moving expeitiously toward implementing the Enterprise duty to serve rule as mandated by the Housing and Economic Recovery Act of 2008. Support H.R. 3543 / S. 1761, the Permanently Protecting Tenants at Foreclosure Act. Oppose bringing S. 1217 to the full Senate floor for consideration. Support President Obama nominating new Governors for the two open seats on the Federal Reserve Board who will strongly and effectively represent Main Street, and the aspirations for stability and financial progress of hard working families across the country. Oppose H.R. 3389, H.R. 4262, H.R. 4383, H.R. 4539, H.R. 4604, H.R. 3770, H.R. 4684, H.R. 4662, and the Bureau Examination Fairness Act Support HR 5130 Support the Consumer Financial Protection Bureaus proposed national telephone survey of 1,000 credit card holders as part of its study of pre-dispute binding mandatory (or forced) arbitration. Applaud the CFPB or the substantive work of its staff in developing the Preliminary Results of the Section 1028 Arbitration Study, and for identifying important issues for further study. As the Bureaus research continues, we urge a special focus on the impact of class mandatory arbitration clauses on the ability of individuals to vindicate their rights to a financial marketplace free of discrimination.Oppose abusive and aggressive debt collecting practices and support strong action by the Consumer Financial Protection Bureau to address them. Support H.R. 645 / S. 1837 Support H.R. 3543 / S. 1761 Support S. 2432.

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

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

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

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

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

Support for the Office of Mortgage Settlement Oversight to add fair lending metrics to his review of the loans made by the financial institutions. Support H.R. 645 Support the CFPB's proposed Loan Officer ruleSupport S. 114 Support H.R. 532 Make specific proposals for maximizing the impact of the Independent Foreclossre REview (IFR) to the Office of the Comptroller of the Currency (OCC) and the Federal Reserve. Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support the CFPB fully counting creditor payments to brokers in the determination of points and fees. Support Rich Cordray as Director of CFPB. Support HR 1330 Support S. 673 Oppose H. R. 1077 / S. 949 Urge the CFPB to take specific steps to ensure that student loan modifications are combined with other policies to provide relief to borrowers and prevent defaults in the future. Request a meeting between the NAACP and the US Department of Treasury and various industries who serve primarily racial and ethnic minority, and African American, neighborhoods. Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Support H.R. 1330. Support S. 1238. Oppose H.R. 1911. Oppose S. 1003. Support S. 953Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Oppose H.R. 3211. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support the proposed "Qualified Mortgage" rule as written by the Consumer Financial Protection Bureau. Support the Consumer Financial Protection Bureau on its recent guidance on indirect auto lending. Strongly support adopting the same standards for Qualified Residential Mortgages as they have for Qualified Mortgage loans. Oppose HR 2385; oppose HR 2446; oppose the Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013; oppose H.R. 3193; oppose H.R. 3183; oppose H.R. 2571. Support the Ability to Repay standard and its implementation. Oppose H.R. 3519, the Bureau of Consumer Financial Protection Accountability and Transparency Act. Oppose H.R. 2446, the mis-named Responsible Consumer Financial Protection Regulations Act. Oppose H.R. 1077 / S. 1577 / H.R.2767 / H.R.3211 / S.949. Support any future housing finance system affirmatively establishing pathways to sustainable and affordable homeownership for a wide range of qualified buyers as well as assure an adequate supply of safe and affordable rental homes. Support Affordable Housing Goals and a duty to serve. Support Janet Yellen to serve as Chairwoman of the Board of Governors of the Federal Reserve System. Oppose HR 3193, HR 2385, HR 2446, H.R. 3519, and H.R. 2571. Support an FHFA reversal of the GSE policy on principal reduction.Support reform of the debt collection industry to improve remedies; require documentation about the debt; Require Retention of and Access to Information about Debt Collection Efforts and the Consumer; Adopt Clear Responsibility for Ensuring Collectors Have Complete Information; Require Documentation to Initiate Suit; Prohibit Abusive, Deceptive, Unfair and Harassing Debt Collection Activities by Creditors as well as Collectors; Limit the Number of Telephone Contacts Per Week; Require Collectors to Honor Oral Requests to Cease Communication; Mandate a Simpler Notice of the Right to Verification and to Cease Communication; Mandate Itemization and Meaningful Investigations of Disputes; Stop Collection of Time-Barred Debt; Prevent Abuses of Credit Reports; Protect the Privacy of Servicemembers and Other Consumers; Protect Consumers in Medical Debt Collections; Protect Consumers in Student Loan Debt Collections; and Ban enforcement of forced arbitration clauses when consumers assert claims of illegal debt collection. Support the proposed diversity standards included in the Agencies' Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and Request for Comment. Support Brown (OH) amendment to section 803 of S. 1217. This amendment will significantly improve how servicing is done. In regards to GSE reform, we urged the committe to not provide FMIC insurance to purely private capital markets deals; to ensure strong equity requirements for guarantors; to ensure the new system can serve all regions and eligible borrowers before flipping the switch; to provide pricing transparency and standardization for consumers; to uphold the principles of fair housing and fair lending; to permit more flexibility for the down payment requirement; do not limit the system to QM loans as defined by the CFPB; to facilitate effective loss mitigation by loan servicers; simplify the market-based incentive to provide access to underserved markets; broaden the funding base to provide adequate funding for the Market Access Fund; ensure that FMIC and its offices can collect and use data from market participants to further the purposes of the Act and provide adequate public disclosure; and any down payment requirement must be flexible and established by the regulators. Support the Menendez (NJ) amendment to S. 1217 to address a number of fair housing issues related to the proposed new housing finance system. Support the Federal Housing Finance Agency moving expeitiously toward implementing the Enterprise duty to serve rule as mandated by the Housing and Economic Recovery Act of 2008. Support H.R. 3543 / S. 1761, the Permanently Protecting Tenants at Foreclosure Act. Oppose bringing S. 1217 to the full Senate floor for consideration. Support President Obama nominating new Governors for the two open seats on the Federal Reserve Board who will strongly and effectively represent Main Street, and the aspirations for stability and financial progress of hard working families across the country. Oppose H.R. 3389, H.R. 4262, H.R. 4383, H.R. 4539, H.R. 4604, H.R. 3770, H.R. 4684, H.R. 4662, and the Bureau Examination Fairness Act Support HR 5130 Support the Consumer Financial Protection Bureaus proposed national telephone survey of 1,000 credit card holders as part of its study of pre-dispute binding mandatory (or forced) arbitration. Applaud the CFPB or the substantive work of its staff in developing the Preliminary Results of the Section 1028 Arbitration Study, and for identifying important issues for further study. As the Bureaus research continues, we urge a special focus on the impact of class mandatory arbitration clauses on the ability of individuals to vindicate their rights to a financial marketplace free of discrimination.Oppose abusive and aggressive debt collecting practices and support strong action by the Consumer Financial Protection Bureau to address them. Support H.R. 645 / S. 1837 Support H.R. 3543 / S. 1761 Support S. 2432.

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

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

Support for the Office of Mortgage Settlement Oversight to add fair lending metrics to his review of the loans made by the financial institutions. Support H.R. 645 Support the CFPB's proposed Loan Officer ruleSupport S. 114 Support H.R. 532 Make specific proposals for maximizing the impact of the Independent Foreclossre REview (IFR) to the Office of the Comptroller of the Currency (OCC) and the Federal Reserve. Encourage regulators (including the Federal Reserve, the CFPB, the FDIC and the OCC) nto stop federally chartered banks from using their federal charters from circumventing state and local anti-predatory lending laws surrounding short term or "payday" loans. Support the CFPB fully counting creditor payments to brokers in the determination of points and fees. Support Rich Cordray as Director of CFPB. Support HR 1330 Support S. 673 Oppose H. R. 1077 / S. 949 Urge the CFPB to take specific steps to ensure that student loan modifications are combined with other policies to provide relief to borrowers and prevent defaults in the future. Request a meeting between the NAACP and the US Department of Treasury and various industries who serve primarily racial and ethnic minority, and African American, neighborhoods. Support the Medical Debt Responsibility Act of 2013, S. 160 / H.R. 1767. Oppose H.R. 1566. Support the FDIC and OCC proposed guidance on bank Deposit Advance Products, particularly the underwriting requirements and limits on repeat loans. Support requiring that private education lenders obtain school certification prior to disbursing private education loans. Oppose S. 1217. Support the recent activities of the CFPB aimed at ending discriminatory lending practices in the auto finance market that harm minority car buyers. Support Mel Watt's nomination as Director of the Federal Housing Finance Agency (FHFA). Support H.R. 1330. Support S. 1238. Oppose H.R. 1911. Oppose S. 1003. Support S. 953Urge regulators to take strong actions to protect consumers and the integrity of the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. Oppose H.R. 3211. Urge the Federal Housing Finncing Agency (FHFA) not to pull Fannie Mae and Freddie Mae back from the multifamily housing sector. Supported the CFPB efforts to create a user-friendly site to access HMDA data, and offered suggestions to improve its usefulness to users. Oppose statutorily imposed down payment mandates on future mortgages through the housing finance system. Support appropriate oversight and guidence by the CFPB on overdraft charges on debit cards. Appreciate the inclusion of certain elements of GSE reform as contained in S. 1217, but expressed concern about the fact that a number of elements seemed to be lacking which are important to the unique attributes of many racial and ehtnic minority homebuyers. Support the Depsrtment of Defense strengthening the Military Lending Act by expanding the definition of "consumer credit" to include all credit covered by the federal Truth in Lending Act and overdraft protection programs. In addition, protections should be applied to rent-to-own transactions. Support the proposed "Qualified Mortgage" rule as written by the Consumer Financial Protection Bureau. Support the Consumer Financial Protection Bureau on its recent guidance on indirect auto lending. Strongly support adopting the same standards for Qualified Residential Mortgages as they have for Qualified Mortgage loans. Oppose HR 2385; oppose HR 2446; oppose the Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013; oppose H.R. 3193; oppose H.R. 3183; oppose H.R. 2571. Support the Ability to Repay standard and its implementation. Oppose H.R. 3519, the Bureau of Consumer Financial Protection Accountability and Transparency Act. Oppose H.R. 2446, the mis-named Responsible Consumer Financial Protection Regulations Act. Oppose H.R. 1077 / S. 1577 / H.R.2767 / H.R.3211 / S.949. Support any future housing finance system affirmatively establishing pathways to sustainable and affordable homeownership for a wide range of qualified buyers as well as assure an adequate supply of safe and affordable rental homes. Support Affordable Housing Goals and a duty to serve. Support Janet Yellen to serve as Chairwoman of the Board of Governors of the Federal Reserve System. Oppose HR 3193, HR 2385, HR 2446, H.R. 3519, and H.R. 2571. Support an FHFA reversal of the GSE policy on principal reduction.Support reform of the debt collection industry to improve remedies; require documentation about the debt; Require Retention of and Access to Information about Debt Collection Efforts and the Consumer; Adopt Clear Responsibility for Ensuring Collectors Have Complete Information; Require Documentation to Initiate Suit; Prohibit Abusive, Deceptive, Unfair and Harassing Debt Collection Activities by Creditors as well as Collectors; Limit the Number of Telephone Contacts Per Week; Require Collectors to Honor Oral Requests to Cease Communication; Mandate a Simpler Notice of the Right to Verification and to Cease Communication; Mandate Itemization and Meaningful Investigations of Disputes; Stop Collection of Time-Barred Debt; Prevent Abuses of Credit Reports; Protect the Privacy of Servicemembers and Other Consumers; Protect Consumers in Medical Debt Collections; Protect Consumers in Student Loan Debt Collections; and Ban enforcement of forced arbitration clauses when consumers assert claims of illegal debt collection. Support the proposed diversity standards included in the Agencies' Proposed Interagency Policy Statement Establishing Joint Standards for Assessing the Diversity Policies and Practices of Entities Regulated by the Agencies and Request for Comment. Support Brown (OH) amendment to section 803 of S. 1217. This amendment will significantly improve how servicing is done. In regards to GSE reform, we urged the committe to not provide FMIC insurance to purely private capital markets deals; to ensure strong equity requirements for guarantors; to ensure the new system can serve all regions and eligible borrowers before flipping the switch; to provide pricing transparency and standardization for consumers; to uphold the principles of fair housing and fair lending; to permit more flexibility for the down payment requirement; do not limit the system to QM loans as defined by the CFPB; to facilitate effective loss mitigation by loan servicers; simplify the market-based incentive to provide access to underserved markets; broaden the funding base to provide adequate funding for the Market Access Fund; ensure that FMIC and its offices can collect and use data from market participants to further the purposes of the Act and provide adequate public disclosure; and any down payment requirement must be flexible and established by the regulators. Support the Menendez (NJ) amendment to S. 1217 to address a number of fair housing issues related to the proposed new housing finance system. Support the Federal Housing Finance Agency moving expeitiously toward implementing the Enterprise duty to serve rule as mandated by the Housing and Economic Recovery Act of 2008. Support H.R. 3543 / S. 1761, the Permanently Protecting Tenants at Foreclosure Act. Oppose bringing S. 1217 to the full Senate floor for consideration. Support President Obama nominating new Governors for the two open seats on the Federal Reserve Board who will strongly and effectively represent Main Street, and the aspirations for stability and financial progress of hard working families across the country. Oppose H.R. 3389, H.R. 4262, H.R. 4383, H.R. 4539, H.R. 4604, H.R. 3770, H.R. 4684, H.R. 4662, and the Bureau Examination Fairness Act Support HR 5130 Support the Consumer Financial Protection Bureaus proposed national telephone survey of 1,000 credit card holders as part of its study of pre-dispute binding mandatory (or forced) arbitration. Applaud the CFPB or the substantive work of its staff in developing the Preliminary Results of the Section 1028 Arbitration Study, and for identifying important issues for further study. As the Bureaus research continues, we urge a special focus on the impact of class mandatory arbitration clauses on the ability of individuals to vindicate their rights to a financial marketplace free of discrimination.

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

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

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

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

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

Bureau Arbitration Fairness Act; H.R. 4262, the Bureau Advisory Commission Transparency Act; H.R. 4383, the Bureau of Consumer Financial Protection Small Business Advisory Board Act; H.R. 4539, the Bureau Research Transparency Act; H.R. 4604, the CFPB Data Collection Security Act; H.R. 3389, the CFPB Slush Fund Elimination Act of 2013; H.R. 3770, the CFPB-IG Act of 2013; H.R. 4662, the Bureau Advisory Opinion Act; Bureau Guidance Transparency Act;Preventing Regulatory Abuse Act of 2014; Bureau Examination Fairness Act; Sunshine in Litigation Act, H.R. 4361

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Draft Cosmetic Safety Legislation. H.R. 2359; Safe Cosmetics Act of 2013; entire bill. H.R. 4262; Cosmetic Safety Enhancement Act of 2013; entire bill.

Client expense: $360,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2126, "Better Buildings Act of 2013" H.R. 3193, "Consumer Financial Protection Safety and Soundness Improvement Act of 2013" H.R. 3370, "Homeowner Flood Insurance Affordability Act of 2013" H.R. 3815, "To repeal the Biggert-Waters Flood Insurance Reform Act of 2012"H.R. 3854, To amend the Community Services Block Grant Act to reauthorize and modernize the Act H.R. 3856, Homeowners Debt Relief Extension Act of 2014 H.R. 3860, To revise the formula for allocating funding to States under the Low-Income Home Energy Assistance Act of 1981 H.R. 3901, To prohibit contributions by Fannie Mae and Freddie Mac to the Housing Trust Fund and the Capital Market Fund while such enterprises are in conservatorship or receivership, and for other purposes H.R. 3924, To delay increases in premium rates for flood insurance coverage under the National Flood Insurance program, establish a refundable tax credit for flood mitigation expenses, and authorize increased funding for flood damage mitigation programs, and for other purposes H.R. 4042, To require a study of appropriate capital requirements for mortgage servicing assets for nonsystemic banking institutions, and for other purposes H.R. 4071, To amend the National Flood Insurance Act of 1968 to provide for flood insurance policies with higher deductibles and lower rates H.R. 4140, Homeless Veterans with Children Act of 2014 H.R. 4146, To amend the Low-Income Housing Preservation and Resident Homeownership Act of 1990 H.R. 4173, To establish the Brownfield Redevelopment and Economic Development Innovative Financing program to promote urban renewal, and for other purposes H.R. 4208, To ensure stability in FHA maximum mortgage amount limitations for areas experiencing decreases in median home prices H.R. 4226, To amend the Federal Credit Union Act to exclude a loan secured by a non-owner occupied 1- to 4-family dwelling from the definition of a member business loan, and for other purposes H.R. 4246, To provide construction, architectural, and engineering entities with qualified immunity from liability for negligence when providing services or equipment on a volunteer basis in response to a declared emergency or disaster H.R. 4255, To require the Federal Housing Finance Agency to establish a 6-month moratorium on foreclosure of mortgages guaranteed by Fannie Mae or Freddie Mac on homes of individuals who have lost Federal unemployment insurance as a result of the expiration of such program, and for other purposes H.R. 4262, To apply the requirements of the Federal Advisory Committee Act to the Bureau of Consumer Financial Protection H.R. 4277, To reauthorize the Native American Housing Assistance and Self-Determination Act of 1996, and for other purposes H.R. 4313, To ensure fairness in premium rates for coverage for business properties and second homes under the National Flood Insurance Program, and for other purposes H.R. 4791, to amend section 1333 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 to ensure that multifamily housing mortgage purchases by Fannie Mae and Freddie Mac that are credited toward fulfillment of such enterprises multifamily special affordable housing goal increase or preserve the number of dwelling units affordable to low-income families H.R. 4868, To expand the Moving to Work demonstration program of the Department of Housing and Urban Development, and for other purposes H.RES. 475, Providing for consideration of the bill (H.R. 3193) to amend the Consumer Financial Protection Act of 2010 to strengthen the review authority of the Financial Stability Oversight Council of regulations issued by the Bureau of Consumer Financial Protection, and for other purposes; providing for proceedings during the period from February 13, 2014, through February 24, 2014; and for other purposes

Client expense: $155,182 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

(1) Urge CFPB to enact strong fair debt collection rule reforms, regulate arbitration, and take other steps to protect consumers. (2) Support bank overdraft fee reform (HR 1261) (3) Support independent funding, authority and structure of CFPB. Oppose all bills to weaken CFPB including HR 3193, the Consumer Financial Freedom and Washington Accountability Act; HR 450, the Bureau of Consumer Financial Protection Accountability Act; H.R. 3389, the CFPB Slush Fund Elimination Act; H.R. 4604, the CFPB Data Collection Security Act; H.R. 4262, the Bureau Advisory Commission Transparency Act; H.R. 4539, the Bureau Research Transparency Act; H.R. 3770, the CFPB-IG Act of 2013; H.R. 4383, the Bureau of Consumer Financial Protection Small Business Advisory Board Act; H.R. 4804, the Bureau Examination Fairness Act; H.R. 4662, the Bureau Advisory Opinion Act; H.R. 4811, the Bureau Guidance Transparency Act; HR .S 18., S. 205, S 190, S. 238, S. 450 and any similar bills or budgetary line items or appropriations riders, including Sections 501-504 of HR 5016, the Financial Services and General Government Appropriations Act, 2015. (4) Support legislation to rein in payday lending and similar predatory loan practices, including HR 990 and S 172. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders, such as H.R. 1566, the so-called Consumer Credit Access, Innovation, and Modernization Act. . Urge CFPB, and other regulators to prevent banks from offering similar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores, such as S 471/HR 1002. (6) Work to protect consumer privacy notices from full repeal (HR 749, S 635). (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including REINS ACT (S 15) and any similar bills, including bills to impose OMB cost-benefit rules on independent agencies including the CFPB and others. (7) Support full funding and authority for all other financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer contracts, such as support for Arbitration Fairness Act ( Arbitration Fairness Act of 2013 (or AFA), S. 878, ). (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms, such as the 21st Century Glass-Steagall Act, S 1282. Oppose efforts to weaken that authority, including HR 797, which would weaken protections for municipal borrowers (12) Urge CFPB/DeptofEd and administration to support strong gainful employment rules for for-profit schools and to protect students from unfair debit and prepaid card loan disbursement and other on-campus practices. (13) Support CFPB/DOE efforts to protect students from unfair private student loan practices. (14) Support Congressional and agency efforts to protect consumers from new and under-regulated uses of consumer data. Urge financial agencies and FTC to protect consumer privacy and to regulate Internet credit scoring models, data brokers and other practices involving the sale or mining of consumer social networking and other information. Regulate tracking of consumers. Similarly, urge that amendments to Electronic Communications Privacy Act reflect need for consumer/citizen privacy. (15) Support efforts to establish anti-speculation Financial Transactions Tax (HR 880, S 410). (16) Oppose efforts to weaken investor protections, including under guise of implementing JOBS Act of 2012. (17) Support efforts to eliminate Deceptive Loan Checks (S 187); Urge that any cybersecurity legislation includes privacy protections in Title VII of S. 3414 (2012). (18) Urge CFPB to use authority to ensure private education lenders obtain school certification prior to disbursing private education loans and urge CFPB/DeptofEd to protect students. (19) Urge opposition to H.R. 1256, the so-called Swaps Jurisdiction Certainty Act and similar proposals to weaken CFTC authority. (20) Generally urge CFPB to implement strongest possible consumer protections, including to protect consumers from unfair pre-dispute arbitration agreements, from credit bureau mistakes, from fee-harvester credit cards, unfair debt collector practices, as well as strongest mortgage and foreclosure rules, etc. (21) Urge FTC to enact and enforce strong consumer rules on issues ranging from privacy to used car rules to debt collection and debt settlement firms. (22) Protect and enhance Durbin amendment limiting so-called merchant swipe or interchange fees on debit cards. (22) Support Freedom and Mobility in Consumer Banking Act, HR 3137 (Schakowsky) and S 1534 (Harkin). (23) Oppose HR 2538 to allow full file credit reporting without adequate safeguards.(24) Support HR 2998, Investor Choice Act to eliminate mandatory arbitration in investor disputes (Ellison). (25) Urge FTC to strengthen Telemarketing Sales Rule. (26) Urge Defense to strengthen Military Lending Act regarding Limitations on Terms of Consumer Credit Extended to Service Members and Dependents (27) Oppose S. 710, the so-called Municipal Advisors Relief Act of 2013. (28) Oppose H.R. 2655, the so-called Lawsuit Abuse Reduction Act. (29) Support efforts by CFPB and prudential regulators to end discriminatory lending practices in the auto finance market that harm minority car buyers. (30) Support the Net Price Calculator Improvement Act for college student loan comparisons. (31) Urge bank regulators take further strong action to protect consumers and the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. (32) Urge CFPB to propose and enact strong, comprehensive rule regulating online and storefront payday and similar small-dollar loans. (33) Support legislation such as S.1654 the- Government Settlement Transparency and Reform Act and urge CFPB, DOJ, FTC, SEC and other agencies to include language in lawsuit settlements to prevent corporate wrongdoers from taking tax writeoffs on any penalties or restitution paid to Treasury or consumer-victims. Urge that these settlements be made public. (34) Urge U.S. Treasury Departments Federal Insurance Office (FIO) to make strongest possible policy proposals to protect insurance consumers from anti-competitive pricing and marketing and other practices endemic to the property and casualty insurance industry. (35) Urge the President to nominate pro-consumer appointees to agency boards, commissions and directorships. (36) Oppose the Fair Debt Collection Practices Technical Clarification Act of 2013, HR 2892.

Client expense: $19,835 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Product Safety Commission (CPSC), Corporation for Public Broadcasting, Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

The Customer Protection and End User Relief Act. HR 2892, the Fair Debt Collection Practices Technical Clarification Act of 2013 HR 4167, Restoring Proven Financing for American Employers Act HR 2672, The CFPB Rural Designation Petition and Correction Act. HR 2629 HR 4200 HR 4554 HR 4564 HR 4565 HR 4568 HR 4569 HR 4570 HR 4571 HR 4387, FSOC Transparency and Accountability Act Bureau Arbitration Fairness Act H.R. 4262, the Bureau Advisory Commission Transparency Act H.R. 4383, the Bureau of Consumer Financial Protection Small Business Advisory Board Act H.R. 4539, the "Bureau Research Transparency Act H.R. 4604, the CFPB Data Collection Security Act H.R. 3389, the CFPB Slush Fund Elimination Act of 2013 H.R. 3770, the CFPB-IG Act of 2013 H.R. 4662, the Bureau Advisory Opinion Act HR 4684, The Bureau Guidance Transparency Act The Preventing Regulatory Abuse Act of 2014 The Bureau Examination Fairness Act HR 3211, The Mortgage Choice Act of 2013 HR 2629, the Fostering Innovation Act HR 4564, the Equity Crowdfunding Improvement Act HR 4697, the Small-Cap Access to Capital Act 21st Century Glass-Steagall Act of 2013 (S. 1282) HR 4413, The Customer Protection and End User Relief Act sections 501 through 504 of the Financial Services and General Government Appropriations bill for FY 2015 DoJ's Operation Choke Point

Client expense: $293,496 · Firm income: Not reported

Government targets: Education, Dept of, Executive Office of the President (EOP), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, White House Office

S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 673 (to amend TILA to establish a national usury rate for consumer credit transactions)S. 690 (to create an Office of the Homeowner Advocate) S. 727 (to improve the examination of depository institutions, and for other purposes) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 949 (to oppose amending the Truth in Lending Act to change definitions provided for points and fees in connection with a mortgage transaction) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1187 (to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt) S. 1217 (to provide secondary mortgage market reform, and for other purposes) S. 1349 (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. 1376 (to improve FHA and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes) S. 1577 (to oppose amending the Truth in Lending Act to improve upon definitions provided for points and fees in connection with a mortgage transaction) S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) S. 3047 (to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.) S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members) S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit) S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions). S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies) S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC ) S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule) S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes). H.R. 830 (to continue to FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue HAMP) H.R. 861 (to continue NSP) H.R. 1077 (to oppose amending TILA to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1261 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions, and for other purposes) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 (to require minimum mortgage servicing standards) H.R. 1553 (to improve the examination of depository institutions, and for other purposes) H.R. 1566 (to oppose creating a federal charter for Internet consumer credit corporations, and for other purposes) H.R. 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1750 (to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1779 (to oppose amending the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure) H.R. 2672 (to oppose amending the Dodd-Frank Wall Street Reform and Consumer Protection Act to provide for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes) H.R. 2673 (to oppose amending the Truth in Lending Act to provide that residential mortgage loans held on portfolio qualify as qualified mortgages for purposes of the presumption of the ability to repay requirements under such Act).H.R. 2767 (to oppose legislation to protect American taxpayers and homeowners by creating sustainable housing finance system for the 21st century) H.R. 2788 (to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt) H.R. 2892 (to oppose amending the Fair Debt Collection Practices Act to preclude law firms and licensed attorneys from the definition of a debt collector when taking certain actions)H.R. 2994 (to amend the Internal Revenue Code of 1986 to extend for one year the exclusion from gross income of discharges of qualified principal residence indebtedness) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers) H.R. 3211 (to oppose amending the Truth in Lending Act to improve upon definitions provided for points and fees in connection with a mortgage transaction) H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes) H.R. 3529 (to provide exemptions from certain mortgage, servicing, and appraisal requirements for non-profit low-income housing providers, and for other purposes) H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system) H.R. 3648 (to support amending the Internal Revenue Code of 1986 to exclude discharges of indebtedness on principal residences from gross income, and for other purposes) H.R. 3770 (to oppose requiring Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and for other purposes) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purposes) H.R. 4262 (to oppose applying the requirements of the Federal Advisory Committee Act to the Bureau of Consumer Financial Protection) H.R. 4310 (to support amending the Military Lending Act to provide additional enhancements of protections on consumer credit for members of the armed forces and their dependents) H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 4236 (to amend the Higher Education Act of 1965 and the Truth in Lending Act to clarify the application of prepayment amounts on student loans) H.R. 4383 (to oppose mend the Consumer Financial Protection Act of 2010 to establish a Small Business Advisory Board, and for other purposes) H.R. 4466 (to oppose requiring certain financial regulators to determine whether new regulations or orders are duplicative or inconsistent with existing Federal regulations, and for other purposes. H.R. 4521 (to oppose modifying exemptions for small creditors and mortgage loan servicers, to require a study of appropriate capital requirements for mortgage servicing assets for non-systemic banking institutions, and for other purposes) H.R. 4539 (to oppose requiring the Bureau of Consumer Financial Protection, when issuing a research paper, to include all studies, data, and other analyses on which the paper was based) H.R. 4604 (to oppose amending the Consumer Financial Protection Act of 2010 to create a consumer opt-out list for data collected by the Bureau, to put time limits on data held by the Bureau, and for other purposes) H.R. 4684 (to oppose providing for a notice and comment period before the Bureau of Consumer Financial Protection issues guidance, and for other purposes) H.R. 4986 (to oppose amending certain banking statutes in response to Operation Choke Point) H.R. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions) H.R. 6139 (to oppose federal chartering of national consumer credit corporations) BILLS UNDER DISCUSSION/NOT YET INTRODUCED Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to address abusive payday lending practices Senate bill to improve the Net-Price calculator regarding public disclosure of college costs Senate bill to improve servicing of student loans House legislation on debit cards (to ensure there are fair consumer protections for debit card users) House legislation to provide secondary mortgage market reform, and for other purposes (The HOME Forward Act of 2014) House legislation to amend the Truth in Lending Act to exempt certain higher-risk mortgages from property appraisal requirements and to exempt individuals from penalties for failure to report certain appraisers, and to amend the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to exempt certain higher-risk mortgages from property appraisal requirements, and for other purposes (The Access to Affordable Mortgages Act of 2014).

Client expense: $55,000 · Firm income: Not reported

Government targets: Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), Postal Regulatory Commission, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).

Client expense: $480,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).

Client expense: $480,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

H.R. 1844/S. 878 (Arbitration Fairness Act); to prohibit mandatory, pre-dispute arbitration in consumer contracts. General lobbying with regard to the enforceability of mandatory, predispute arbitration provisions in employment and consumer contracts, including financial consumer contracts.(Fairness in Nursing Home Arbitration Act); draft legislation not formally introduced as of 6-30-2014; relating to the use of arbitration agreements to resolve disputes involving nursing home cases and nursing home contracts. H.R. 4734 (Bureau Arbitration Fairness Act) to repeal the authority of the Bureau of Consumer Financial Protection to restrict mandatory pre-dispute arbitration. General lobbying with regard to the ability of consumers and injured parties to bring class actions, including limitations on the ability to bring class actions involving the securities industry. S.____ (Civil Legal Access to Strong Safeguards); draft legislation not formally introduced as of 6-30-2014; to amend the Class Action Fairness Act to ensure that consumers and injured parties in a class action are treated fairly and equally. S. 1999 (SCRA Rights Protection Act of 2014); to amend the Servicemembers Civil Relief Act to require the consent of parties to contracts for the use of arbitration to resolve controversies arising under the contracts and subject to provisions of such Act and to preserve the rights of servicemembers to bring class actions under such Act, and for other purposes. H.R. 1910 (Foreign Manufacturers Legal Accountability Act); to require foreign manufacturers of products imported into the United States to establish registered agents in the United States who are authorized to accept service of process against such manufacturers, and for other purposes. H.R.4432 (Safe and Accurate Food Labeling Act of 2014); to amend the Federal Food, Drug, and Cosmetic Act with respect to food produced from, containing, or consisting of a bioengineered organism, the labeling of natural foods, and for other purposes General lobbying with regard to the preemption of state causes of action involving medical device and drug manufacturers. S.2319/H.R.982 (Furthering Asbestos Claim Transparency Act); to amend title 11 of the United States Code to require the public disclosure by trusts established under section 524(g) of such title, of quarterly reports that contain detailed information regarding the receipt and disposition of claims for injuries based on exposure to asbestos, and the filing of such reports with the Executive Office for United States Trustees. H.R. 2746 (Innocent Sellers Fairness Act); to prevent undue disruption of interstate commerce by limiting civil actions brought against persons whose only role with regard to a product in the stream of commerce is as a lawful seller of the product. General lobbying with regard to alternative litigation funding. S.1009 (Chemical Safety Improvement Act of 2013); to improve the safety of consumers and modernize the Toxic Substances Control Act. (Chemicals in Commerce Act); draft legislation not formally introduced as of 6-30-2014; to provide for the safe and efficient flow of chemicals in interstate and foreign commerce; specific interest in provisions that would preempt state-based causes of action. General lobbying with regard to the ongoing development of a proposed TAFTA-TTIP trade agreement, specific interest in effect the trade agreement would have on state-based causes of action. S.1900/H.R. 3830 (Bipartisan Congressional Trade Priorities Act of 2014); to establish congressional trade negotiating objectives and enhanced consultation requirements for trade negotiations, to provide for consideration of trade agreements, and for other purposes. S. 2171, the (Location Privacy Protection Act of 2014); specific interest in limitations on liability and preemption of state-based causes of action.H.R.4432 (Safe and Accurate Food Labeling Act of 2014); specific interest regarding food safety and preemption of state-based causes of action. General lobbying with regard to warranties of Energy Star rated products and ability of consumers to bring a class action against manufacturers of Energy Star rated products. H.R.4856 (Energy Star Program Integrity Act); To clarify that no express or implied warranty is provided by reason of a disclosure relating to voluntary participation in the Energy Star program H.R.4921; To provide for the revision of certification requirements for the labeling of certain electronic products under the Energy Star program. General lobbying with regard to science provisions that H.R.2642 (Agricultural Act of 2014); Section 12307 related to imposing new procedures on how federal agencies use science in policy decisions. H.R.4012 (Secret Science Reform Act of 2014); To prohibit the Environmental Protection Agency from proposing, finalizing, or disseminating regulations or assessments based upon science that is not transparent or reproducible. H.R.4800 (Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2015); specific interest related to report language concerning FDA generic drug labeling approval process H.R.4899 (Lowering Gasoline Prices to Fuel an America That Works Act of 2014); specific interest related to restrictions on non-leasing parties ability to seek protection and accountability through the courts H.R.2804 (ALERRT Act of 2014); To amend title 5, United States Code, to require the Administrator of the Office of Information and Regulatory Affairs to publish information about rules on the Internet. S.2393 (Servicemember Employment Protection Act of 2014); To amend title 38, United States Code, to improve the protection and enforcement of employment and reemployment rights of members of the uniformed services, and for other purposes. General lobbying regarding altering CFPB's operational structure and rulemaking authority H.R. 3770, (the CFPB IG Act of 2013); Creates a separate, independent inspector general for the CFPB H.R. 4262, (the Bureau Advisory Commission Transparency Act); clarifies that the Federal Advisory Committee Act (Pub. L. No. 92-463) applies to the CFPB. H.R. 4383, (the Bureau of Consumer Financial Protection Small Business Advisory Board Act); Creates a small business advisory board at the CFPB H.R. 4539, (the Bureau Research Transparency Act); Requires that CFPB research papers made available to the public be accompanied by all studies, data, and analyses on which the paper was based. H.R. 4604, (the CFPB Data Collection Security Act); Requires the CFPB to create an opt out list for consumers who do not want the CFPB to collect personally identifiable information about them and to delete or destroy information about a particular consumer within a specified period of time following collection. H.R. 4811, (the Bureau Guidance Transparency Act); To provide for a notice and comment period before the Bureau of Consumer Financial Protection issues guidance, and for other purposes.H.R.3389, (the CFPB Slush Fund Elimination Act); eliminates the Bureaus Civil Penalty Fund and requires the CFPB to remit fines it collects to the U.S. Treasury. H.R.4662, (the Bureau Advisory Opinion Act); establishes a process by which covered persons can submit inquiries concerning the conformance of prospective products and services with Federal consumer financial law and receive a confidential opinion from the Director. H.R.4804, (Bureau Examination Fairness Act); To amend the Consumer Financial Protection Act of 2010 to provide requirements that must be followed by the Bureau of Consumer Financial Protection when carrying out certain examinations.

Client expense: $1,010,000 · Firm income: Not reported

Government targets: Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Motor Carrier Safety Administration, Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE

See addendum.S. 215, the Federal Reserve Single Mandate Act of 2013 (all provisions) S. 450, the Financial Regulatory Responsibility Act of 2013 (all provisions) H.R. 1062, the SEC Regulatory Accountability Act (all provisions) H.R. 2446, the Responsible Consumer Financial Protection Regulations Act of 2013 H.R. 3193, the Consumer Financial Protection Safety and Soundness Improvement Act of 2013 H.R. 3928, Federal Reserve Accountability and Transparency Act of 2014 H.R. 3913, to amend the Bank Holding Company Act of 1956 to require agencies to make considerations relating to the promotion of efficiency, competition, and capital formation before issuing or modifying certain regulations H.R. 4387, FSOC Transparency and Accountability Act H.R. 4383, Bureau of Consumer Financial Protection Small Business Advisory Board Act H.R. 4262, Bureau Advisory Commission Transparency Act H.R. 4539, Bureau Research Transparency Act H.R. 4684, Bureau Guidance Transparency Act

Client expense: $1,960,000 · Firm income: Not reported

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

Please see addendum.H.R. 367, Regulations from the Executive in Need of Scrutiny Act of 2013, all provisions H.R. 2385, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to set the rate of pay for employees of the Bureau of Consumer Financial Protection in accordance with the General Schedule, all provisions H.R. 2402, Consumer Financial Protection Commission Act, all provisions H.R. 2446, a bill to replace the Director of the Bureau of Consumer Financial Protection with a five person Commission, all provisions H.R. 2779, To establish a separate Inspector General for the Bureau of Consumer Financial Protection H.R. 3770, the CFPB-IG Act, all provisions H.R. 4262, the Bureau Advisory Commission Transparency Act H.R. 4383, the Bureau of Consumer Financial Protection Small Business Board, all provisions H.R. 4662, the Bureau Advisory Opinion Act, all provisions S. 15, Regulations from the Executive in Need of Scrutiny Act of 2013, all provisions

Client expense: $1,340,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Implementation of Sections 1411, 1412 and 1413 of PL 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, provisions related to ability to repay standard and qualified mortgage safe harbor. H.R. 4383, Bureau of Consumer Financial Protection Small Business Advisory Board Act, a bill to amend the Consumer Financial Protection Act of 2010 to establish a Small Business Advisory Board; entire bill.H.R. 1077, Consumer Mortgage Choice Act, a bill to amend the Truth in Lending Act with respect to the definitions provided for points and fees in connection with a mortgage transaction; entire bill. H.R. 3211, the Mortgage Choice Act, a bill to amend the Truth in Lending Act to change the definitions provided for points and fees in connection with a mortgage transaction; entire bill. S. 1577, the Mortgage Choice Act of 2013, a bill to amend the Truth in Lending Act to change the definitions provided for points and fees in connection with a mortgage transaction, entire bill. S. 949, the Consumer Mortgage Choice Act, a bill to amend the Truth in Lending Act to change the definitions of points and fees in connection with a mortgage transaction, entire bill. H.R. 508, Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013, a bill to extend the Terrorism Risk Insurance Program for five years, entire bill. S. 1217, Housing Finance Reform and Taxpayer Protection Act of 2013, a bill to reform the secondary mortgage market; entire bill. H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013, a bill to protect American taxpayers and homeowners by creating a sustainable housing finance system for the 21st century; entire bill. H.R. 2146, Terrorism Risk Insurance Program Reauthorization Act of 2013, a bill to amend the Terrorism Risk Insurance Act of 2002 to extend from December 31, 2014, through December 31, 2024, the Terrorism Risk Insurance program; entire bill. General education concerning proposals under consideration as part of mortgage finance reform legislation. Final Rule RIN 3170-AA19 (Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z)). General education regarding Consumer Financial Protection Bureau's Bulletin 2012-03, regarding service provider relationships with financial institutions under the Bureau's supervision. Draft legislation to reform the housing finance market by eliminating Fannie Mae and Freddie Mac and creating a new, cooperative-owned securities issuer. No bill introduced. Draft legislation to reform the housing finance market by winding down Fannie Mae & Freddie Mac and allowing private entities to replace most of their functions. No bill introduced. General education regarding the use of advisory opinions by the Consumer Financial Protection Bureau. No bill introduced. S. 2244, Terrorism Risk Insurance Program Reauthorization Act of 2014, a bill to amend the Terrorism Risk Insurance Act of 2002 to extend the Terrorism Insurance Program through December 31, 2021; entire bill. H.R. 4871, TRIA Reform Act of 2014, a bill to reauthorize the Terrorism Risk Insurance Act of 2002. H.R. 4262, Bureau Advisory Commission Transparency Act, a bill to amend the Consumer Financial Protection Act of 2010 to make the Federal Advisory Committee Act applicable to each advisory committee of the Consumer Financial Protection Bureau; entire bill. H.R. 3770, Burea of Consumer Financial Protection-Inspector General Reform Act of 2013, a bill to amend the Inspector General Act of 1978 to repeal the authority of the Chairman of the Board of Governors of the Federal Reserve System to appoint the Inspector General of the Consumer Financial Protection Bureau; entire bill. H.R. 4662, Bureau Advisory Opinion Act, a bill to amend the Consumer Financial Protection Act of 2010 to establish an advisory opinion process for the Bureau of Consumer Financial Protection; entire bill. H.R. 4811, Bureau Guidance Transparency Act, a bill to provide for a notice and comment period before the Bureau of Consumer Financial Protection issues guidance; entire bill. H.R. 3389, CFPB Slush Fund Elmination Act of 2013, a bill to amend the Consumer Financial Protection Act of 2010 to repeal the Consumer Financial Civil Penalty Fund, into which are deposited any civil penalties paid in judicial or administrative actions under federal consumer financial laws.

Client expense: $140,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE

Draft Cosmetic Safety Legislation. H.R. 2359; Safe Cosmetics Act of 2013; entire bill. H.R. 4262; Cosmetic Safety Enhancement Act of 2013; entire bill.

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

Government targets: Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, SENATE

Draft Cosmetic Safety Legislation. H.R. 2359; Safe Cosmetics Act of 2013; entire bill. H.R. 4262; Cosmetic Safety Enhancement Act of 2013; entire bill.

Client expense: $270,000 · Firm income: Not reported

Government targets: Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR)

Draft Cosmetic Safety Legislation. H.R. 2359; Safe Cosemetics Act of 2013; entire bill. H.R. 4262; Cosmetic Safety Enhancement Act of 2013; entire bill.

Client expense: $190,000 · Firm income: Not reported

Government targets: Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR)

Draft Cosmetic Safety Legislation. H.R. 2359; Safe Cosmetics Act of 2013; entire bill. H.R. 4262; Cosmetic Safety Enhancement Act of 2013; entire bill.

Client expense: $100,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR)