Bureau of Consumer Financial Protection Accountability Act

(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)

H.R.1450 Too-Big-to-Fail, Too-Big-to-Exist Act; H.R. 1553 to improve the examination of depository institutions; S 685 Too-Big-to-Exist Act; S 727 A bill to improve the examination of depository institutions; S 731 and S 737 Basel III Study Bills; H.R. 508 Terrorism Risk Insurance Act of 202 Re-authorization Act of 2013; H.R. 613 Systemic Risk Mitigation Act; H.R. 677 Inter-affiliate Swap Clarification Act; H.R. 688 Credit Union Small Business Jobs Creation Act; H.R. 749 Eliminate Privacy Notice Confusion Act; H.R.992 Swaps Regulatory Improvement Act; H.R. 1221 Basel II Capital Impact Study Act; H.R. 1256 Swap Jurisdiction Certainty Act; S 100 Terminating the Expansion of Too-Big-to-Fail Act of 2013; S. 205 Responsible Consumer Financial Protection Regulations Act of 2013; S. 474 Swaps Regulatory Improvement Act; S 635 Privacy Notice Modernization Act of 2013; S. 798-TBTF Act; H.R. 450 Bureau of Consumer Financial Protection Accountability Act; S. 1217 Housing Finance Reform and Taxpayer Protection Act of 2013; H.R. 2410 Agriculture Rural Development, Food and Drug Administration and Related Agencies Appropriations Act, 2014; H.R. 3211, the "Mortgage Choice Act of 2013"; H.R. 3036, "To Amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision and for other purposes"; Homeowner Flood Insurance Affordability Act of 2014; H.R. 4060 Systemic Risk Designation Improvement Act of 2014; TRIA Re-authorized Bills, H.R. 4871 and S. 2244; "Export-Import Bank Re-authorization"; H.R. 2673, the Portfolio Lending and Mortgage Access Act; H.R. 5016, Financial Services and General Government Appropriations Act of 2015.

Client expense: $110,000 · Firm income: Not reported

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

H.R. 1450 Too-Big-to-Fail, Too-Big-to-Exist Act; H.R. 1553 to improve the examination of depository instituions; S 685 Too-Big-to-Fail, Too-Big-to-Exist Act; S 727 A bill to improve the examination of depository institutions; S 731 and S 737 Basel III Study Bills; H.R. 508 Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013; H.R. 613 Systemic Risk Mitigation Act; H.R. 677 Interaffiliate Swap Clarification Act; H.R. 688 Credit Union Small Business Jobs Creation Act; H.R. 749 Eliminate Privacy Notice Confusion Act; H.R. 992 Swaps Regulatory Improvement Act; H.R. 1221 Basell II Capital Impact Study Act; H.R. 1256 Swap Jurisdiction Certainty Act; S 100 Terminating the Expansion of Too-Big-to-Fail Act of 2013; S. 205 Responsible Consumer Financial Protection Regulations act of 2013; S. 474 Swaps Regulatory Improvement Act; S. 635 Privacy Notice Modernization Act of 2013; S. 798-TBTF Act; H.R. 450 Bureau of Consumer Financial Protection Accountability Act; S. 1217-Housing Finance Reform and Taxpayer Protection Act of 2013; H.R. 2410-Agriculture Rural Development, Food and Drug Administration and Related Agencies Appropriations Act, 2014; H.R. 3211, the "Mortgage Choice Act of 2013"; H.R. 3036. "To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enchanced supervision and for other purposes"; Homeowner Flood Insurance Affordabililty Act of 2014; Systemic Risk Designation Improvement Act of 2014; TRIA Re-authorization Bills, H.R. 4871 and S. 2244; "Export-Import Bank Re-authorization"; H.R. 2673, the Portfolio Lending and Mortgage Access Act; H.R. 5016, Financial Services and General Government Appropriations Act of 2015.

Client expense: $110,000 · Firm income: Not reported

(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.

H.R. 450, Bureau of Consumer Financial Protection Accountability Act H.R. 605, Insurance Consumer Protection and Solvency Act of 2013 H.R. 634, Business Risk Mitigation and Price Stabilization Act of 2013 H.R. 677, Inter-Affiliate Swap Clarification Act H.R. 742, Swap Data Repository and Clearinghouse Indemnification Correction Act of 2013 H.R. 992 / S. 474, Swaps Regulatory Improvement Act H.R. 1038, Public Power Risk Management Act of 2013 H.R. 1062, SEC Regulatory Accountability Act H.R. 1105, Small Business Capital Access and Job Preservation Act H.R. 1106 / S. 550, Small Business Investment Company Modernization Act of 2013 H.R. 1135, Burdensome Data Collection Relief Act H.R. 1221 / S. 737, Basel III Capital Impact Study Act H.R. 1256, Swap Jurisdiction Certainty Act H.R. 1341, Financial Competitive Act of 2013 H.R. 1564 / S. 1526, Audit Integrity and Jobs Protection Act H.R. 1800, Small Business Credit Availability Act H.R. 2122 / S. 1029, Regulatory Accountability Act of 2013 H.R. 2140, Insurance Capital and Accounting Standards Act of 2013 H.R. 2274, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2013 H.R. 2374, Retail Investor Protection Act H.R. 2446, Responsible Consumer Financial Protection Regulations Act of 2013 H.R. 2546 / S. 1257, Protect American Investments Act of 2013 H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 H.R. 3193, Consumer Financial Protection Safety and Soundness Improvement Act of 2013 H.R. 3448, Small Cap Liquidity Reform Act of 2014 H.R. 3519, Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013 H.R. 3623, Improving Access to Capital for Emerging Growth Companies Act H.R. 3701, U.S. Financial Services Global Viability Act H.R. 3770, Bureau of Consumer Financial Protection-Inspector General Reform Act of 2013 H.R. 3819 / S. 1907, Fairness for Community Job Creators Act H.R. 3928, Federal Reserve Accountability and Transparency Act of 2014 H.R. 4164, Small Company Disclosure Simplification Act H.R. 4167, Restoring Proven Financing for American Employers Act H.R. 4200, SBIC Advisers Relief Act of 2014 H.R. 4383, Bureau of Consumer Financial Protection Small Business Advisory Board Act H.R. 4387, FSOC Transparency and Accountability Act H.R. 4413, Customer Protection and End User Relief Act H.R. 4466, Financial Regulatory Clarity Act of 2014 H.R. 4510 / S. 2270, Insurance Capital Standards Clarification Act of 2014 H.R. 4554, Restricted Securities Relief Act of 2014 H.R. 4565, Startup Capital Modernization Act of 2014 H.R. 4568, Small Business Freedom to Grow Act of 2014 H.R. 4569, Disclosure Modernization and Simplification Act of 2014 H.R. 4570, Private Placement Improvement Act of 2014 H.R. 4571, To direct the Securities and Exchange Commission to revise its rules so as to increase the threshold amount for requiring issuers to provide certain disclosures relating to compensatory benefit plans H.R. 4604, CFPB Data Collection Security Act H.R. 4662, Bureau Advisory Opinion Act H.R. 4684, Bureau Guidance Transparency Act H.R. 4697, Small-Cap Access to Capital Act H.R. 4804, Bureau Examination Fairness Act H.R. 4811, Bureau Guidance Transparency Act H.R. 4842, Business Supply Chain Transparency on Trafficking and Slavery Act of 2014 S. 635, Privacy Notice Modernization Act of 2013 S. 888, A bill to provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934 S. 1217, Housing Finance Reform and Taxpayer Protection Act of 2013 S. 1369, A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes S. 2244, Terrorism Risk Insurance Program Reauthorization Act of 2014 Draft legislation on conflict minerals disclosures Various issues relating to implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203), including proposals to alter the derivatives provisions; Moving Ahead for Progress in the 21st Century Act (P.L. 112-140), including Sec. 40312, issues related to pension fund stabilization; implementation of the Jumpstart our Business Startups Act (P.L. 112-106); Consumer Financial Protection Bureau reform; Securities and Exchange Commission reform; Financial Stability Oversight Council (FSOC) reform; Department of Labor definition of fiduciary duty rules; international capital standards for non-banks; systemic risk regulations for non-bank financial companies; financial reporting policies reform; regulation of money market mutual funds; proposed Volcker Rule, trust preferred bonds and collateralized loan obligations; proposed risk retention rules and the collateralized loan obligations market; Commodity Futures Trading Commission's derivatives regulations; amendments to Rule 701 under the Securities Act of 1933; Basel III capital standards; proposed money market mutual fund regulation; reconciliation of merchant card and third-party payments; political spending disclosures; transparent financial reporting; Federal Reserve Boards review of 2003 determination that certain commodity activities are complementary to financial activities and thus permissible for bank holding companies; reducing barriers to capital formation; capital requirements and systemically important financial institutions; oversight of proxy advisory firms; credit risk retention rules

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

(1) Urge CFPB to enact strong fair debt collection rule reforms (2) Support bank overdraft fee reform (HR 1261) (3) Support independent funding, authority and structure of CFPB and oppose all bills to weaken including HR 3193, HR 450,.S 18., S. 205, S 190, S. 238, S. 450 and any similar bills or budgetary line items or appropriations riders. OCC, FDIC, CFTC, SEC, FTC, National Economic Council, FFIEC, NCUA, Department of Education, OMB/OIRA, Commerce, State, Defense, DOJ(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 simlar 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. (7) Support full funding and authority for all othe 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. 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. (13) Support CFPB/DOE efforts to protect students from unfair private student loan practices. (14) 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 of consumer social networking and other information and regulate tracking of consumers. (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 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.

H.R. 450, Bureau of Consumer Financial Protection Accountability Act H.R. 634, Business Risk Mitigation and Price Stabilization Act of 2013 H.R. 677, Inter-Affiliate Swap Clarification Act H.R. 742, Swap Data Repository and Clearinghouse Indemnification Correction Act of 2013 H.R. 992 / S. 474, Swaps Regulatory Improvement Act H.R. 1038, Public Power Risk Management Act of 2013 H.R. 1062, SEC Regulatory Accountability Act H.R. 1105, Small Business Capital Access and Job Preservation Act H.R. 1106 / S. 550, Small Business Investment Company Modernization Act of 2013 H.R. 1135, Burdensome Data Collection Relief Act H.R. 1221, Basel III Capital Impact Study Act H.R. 1256, Swap Jurisdiction Certainty Act H.R. 1341, Financial Competitive Act of 2013 H.R. 1564 / S. 1526, Audit Integrity and Jobs Protection Act H.R. 1800, Small Business Credit Availability Act H.R. 2122, Regulatory Accountability Act of 2013 H.R. 2274, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2013 H.R. 2374, Retail Investor Protection Act H.R. 2446, Responsible Consumer Financial Protection Regulations Act of 2013 H.R. 2546 / S. 1257, Protect American Investments Act of 2013 H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 H.R. 3193, Consumer Financial Protection Safety and Soundness Improvement Act of 2013 H.R. 3448, Small Cap Liquidity Reform Act of 2014 H.R. 3519, Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013 H.R. 3623, Improving Access to Capital for Emerging Growth Companies Act H.R. 3701, U.S. Financial Services Global Viability Act H.R. 3819 / S. 1907, Fairness for Community Job Creators Act H.R. 3928, Federal Reserve Accountability and Transparency Act of 2014 H.R. 4164, Small Company Disclosure Simplification Act H.R. 4167, Restoring Proven Financing for American Employers Act S. 737, Basel III Impact Study Act S. 888, A bill to provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934 S. 1029, Regulatory Accountability Act of 2013 S. 1369, A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes Draft legislation on human trafficking disclosure Various issues relating to Consumer Financial Protection Bureau reform; Securities and Exchange Commission reform; financial reporting policies reform; Financial Stability Oversight Council (FSOC) reform; implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203), including proposals to alter the derivatives provisions; Moving Ahead for Progress in the 21st Century Act (MAP-21) (P.L. 112-141), including Sec. 40,312, issues related to pension fund stabilization; regulation of money market mutual funds; proposed Volcker Rule, trust preferred bonds and collateralized loan obligations; proposed risk retention rules and the collateralized loan obligations market; Commodity Futures Trading Commission's derivatives regulations; amendments to Rule 701 under the Securities Act of 1933; Basel III capital standards; reconciliation of merchant card and third-party payments; political spending disclosures; transparent financial reporting; Federal Reserve Boards review of 2003 determination that certain commodity activities are complementary to financial activities and thus permissible for bank holding companies; Private Securities Litigation Act (P.L. 104-67); implementation of the Jumpstart our Business Startups Act (P.L. 112-106); reducing barriers to capital formation; capital requirements and systemically important financial institutions; oversight of proxy advisory firms

H.R. 1450 Too-Big-to-Fail, Too-Big-to-Exist Act; H.R. 1553 to improve the examiniation of depository institutions; S 685 Too-Big-to Fail, Too-Big-to-Exist Act; S 727 A bill to improve the examination of depository institutions; S 731 and S 737-Basel III Study Bills; H.R.508 Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013; H.R. 613 Systemic Risk Mitigation Act; H.R. 677 Interaffiliate Swap Clarification Act; H.R. 688 Credit Union Small Business Jobs Creation Act; H.R. 749 Eliminate Privacy Notice Confusion Act; H.R. 992 Swaps Regulatory improvement Act; H.R. 1221 Basel II Capital Impact Study Act; H.R. 1256 Swap Jurisdiction Certainty Act; S 100 Terminating the Expansion of Too-Big-to Fail Act of 2013; S. 205 Responsible Consumer Financial Protection Regulations Act of 2013; S. 474 Swaps Regulatory Improvement Act; S. 635 Privacy Notice Modernization Act of 2013; S. 798-TBTF Act; H.R. 450-Bureau of Consumer Financial Protection Accountability Act; S. 1217-Housing Finance Reform and Taxpayer Protection Act of 2013; H.R. 2410-Agriculture, Rural Development, Food and Drug Administration and Related Agencies Appropriations Act, 2014; H.R. 3211, the "Mortgage Choice Act of 2013:' H.R. 3036, "To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes"; Homeowner Flood Insurance Affordability Act of 2014; Systemic Risk Designation Improvement Act of 2014.

Client expense: $110,000 · Firm income: Not reported

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

1) Support confirmation of Richard Cordray as CFPB director. (2) Support bank overdraft fee reform (HR 1261) (3) Support independent funding, authority and structure of CFPB and oppose all bills to weaken including HR 450,.S 18., S. 205, S 190, S. 238, S. 450 and any similar bills or budgetary line items or appropriations riders. 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 simlar 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. (7) Support full funding and authority for all othe 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. 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. (13) Support CFPB/DOE efforts to protect students from unfair provate student loan practices. (14) 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 of consumer social networking and other information and regulate tracking of consumers. (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 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.

1) Support confirmation of Richard Cordray as CFPB director. (2) Support bank overdraft fee reform (HR 1261) (3) Support independent funding, authority and structure of CFPB and oppose all bills to weaken including HR 450,.S 18., S. 205, S 190, S. 238, S. 450 and any similar bills or budgetary line items or appropriations riders.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 simlar 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. (7) Support full funding and authority for all othe 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. 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. (13) Support CFPB/DOE efforts to protect students from unfair provate student loan practices. (14) 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 of consumer social networking and other information and regulate tracking of consumers. (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.

1) Support confirmation of Richard Cordray as CFPB director. (2) Support bank overdraft fee reform (HR 1261) (3) Support independent funding, authority and structure of CFPB and oppose all bills to weaken including HR 450,.S 18., S. 205, S 190, S. 238, S. 450 and any similar bills or budgetary line items or appropriations riders.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 simlar 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. (7) Support full funding and authority for all othe 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. 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. (13) Support CFPB/DOE efforts to protect students from unfair provate student loan practices. (14) 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 of consumer social networking and other information and regulate tracking of consumers. (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 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.

H.R. 31, Next Steps for Credit Availability Act H.R. 148, DISCLOSE 2013 Act H.R. 450, Bureau of Consumer Financial Protection Accountability Act H.R. 634, Business Risk Mitigation and Price Stabilization Act of 2013 H.R. 677, Inter-Affiliate Swap Clarification Act H.R. 701, To amend a provision of the Securities Act of 1933 directing the Securities and Exchange Commission to add a particular class of securities to those exempted under such Act to provide a deadline for such action H.R. 719, Capital Access for Small Businesses and Jobs Act H.R. 742, Swap Data Repository and Clearinghouse Indemnification Correction Act of 2013 H.R. 949, Invest in American Jobs Act of 2013 H.R. 992 / S. 474, Swaps Regulatory Improvement Act H.R. 1038, Public Power Risk Management Act of 2013 H.R. 1062, SEC Regulatory Accountability Act H.R. 1105, Small Business Capital Access and Job Preservation Act H.R. 1106 / S. 550, Small Business Investment Company Modernization Act of 2013 H.R. 1135, Burdensome Data Collection Relief Act H.R. 1221, Basel III Capital Impact Study Act H.R. 1256, Swap Jurisdiction Certainty Act H.R. 1341, Financial Competitive Act of 2013 H.R. 1564 / S. 1526, Audit Integrity and Jobs Protection Act H.R. 1800, Small Business Credit Availability Act H.R. 1973, Business Development Company Modernization Act H.R. 2122, Regulatory Accountability Act of 2013 H.R. 2274, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2013 H.R. 2374, Retail Investor Protection Act H.R. 2446, Responsible Consumer Financial Protection Regulations Act of 2013 H.R. 2546 / S. 1257, Protect American Investments Act of 2013 H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 H.R. 3193, Consumer Financial Protection Safety and Soundness Improvement Act of 2013 H.R. 3519, Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013 H.R. 3701, U.S. Financial Services Global Viability Act S. 737, Basel III Impact Study Act S. 888, A bill to provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934 S. 1029, Regulatory Accountability Act of 2013 Draft legislation on small business XBRL exemptions Draft legislation on treatment of securities for emerging growth companies Nomination of Richard Cordray as director of the CFPB Various issues relating to reforming the Consumer Financial Protection Bureau and the Securities Exchange Commission, including regulations regarding capital formation and capital markets; implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203), including proposals to alter the derivatives provisions; implementation of Moving Ahead for Progress in the 21st Century Act (P.L. 112-140), including issues related to pension fund stabilization; regulation of money market mutual funds; the proposed Volcker Rule; the Commodity Futures Trading Commission's derivatives regulations; amendments to Rule 701 under the Securities Act of 1933; reconciliation of merchant card and third-party payments; transparent financial reporting; Financial Stability Oversight Council (FSOC) reform; Federal Reserve Boards review of 2003 determination that certain commodity activities are complementary to financial activities and thus permissible for bank holding companies; the Private Securities Litigation Act (P.L. 104-67); the Jumpstart our Business Startups Act (P.L. 112-106); reducing barriers to capital formation; oversight of proxy advisory firms; political spending disclosures

H.R. 1450 Too-Big-to-Fail, Too-Big-to-Exist Act; H.R. 1553 to improve the examiniation of depository institutions; S 685 Too-Big-to Fail, Too-Big-to-Exist Act; S 727 A bill to improve the examination of depository institutions; S 731 and S 737-Basel III Study Bills; H.R.508 Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013; H.R. 613 Systemic Risk Mitigation Act; H.R. 677 Interaffiliate Swap Clarification Act; H.R. 688 Credit Union Small Business Jobs Creation Act; H.R. 749 Eliminate Privacy Notice Confusion Act; H.R. 992 Swaps Regulatory improvement Act; H.R. 1221 Basel II Capital Impact Study Act; H.R. 1256 Swap Jurisdiction Certainty Act; S 100 Terminating the Expansion of Too-Big-to Fail Act of 2013; S. 205 Responsible Consumer Financial Protection Regulations Act of 2013; S. 474 Swaps Regulatory Improvement Act; S. 635 Privacy Notice Modernization Act of 2013; S. 798-TBTF Act; H.R. 450-Bureau of Consumer Financial Protection Accountability Act; S. 1217-Housing Finance Reform and Taxpayer Protection Act of 2013; H.R. 2410-Agriculture, Rural Development, Food and Drug Administration and Related Agencies Appropriations Act, 2014; H.R. 3211, the "Mortgage Choice Act of 2013:' H.R. 3036, "To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enchanced supervision, and for other purposes".

Client expense: $110,000 · Firm income: Not reported

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

Support confirmation of Richard Cordray as CFPB director. Support bank overdraft fee reform (HR 1261) Support independent funding, authority and structure of CFPB and oppose all bills to weaken including HR 450,.S 18., S. 205, S 190, S. 238, S. 450 and any similar bills or budgetary line items or appropriations riders. 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 chartersfor 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. Support legislation to hold credit bureaus accountable including proposals to provide free credit scores, such as S 471/HR 1002. Work to protect consumer privacy notices from full repeal (HR 749, S 635). 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. Support full funding and authority for all othe financial regulators, including CFTC and SEC. Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. Oppose efforts in Congress to weaken any other consumer laws (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, ). 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. Oppose efforts to weaken that authority, including HR 797, which would weaken protections for municipal borrowers. Urge CFPB/DeptofEd and administration to support strong gainful employment rules for for-profit schools. (13) Support CFPB/DOE efforts to protect students from unfair provate student loan practices. 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 of consumer social networking and other information and regulate tracking of consumers. Support efforts to establish anti-speculation Financial Transactions Tax (HR 880, S 410). Oppose efforts to weaken investor protections, including under guise of implementing JOBS Act of 2012. Support efforts to eliminate Deceptive Loan Checks (S 187); Urge that any cybersecurity legislation includes privacy protections in Title VII of S. 3414 (2012). 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;Urge opposition to H.R. 1256, the so-called Swaps Jurisdiction Certainty Act and similar proposals to weaken CFTC authority. 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. 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. 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). Oppose HR 2538 to allow full file credit reporting without adequate safeguards.Support HR 2998, Investor Choice Act to eliminate mandatory arbitration in investor disputes (Ellison). Urge FTC to strengthen Telemarketing Sales Rule.Urge Defense to strengthen Military Lending Act regarding Limitations on Terms of Consumer Credit Extended to Service Members and Dependents Oppose S. 710, the so-called Municipal Advisors Relief Act of 2013. Oppose oppose H.R. 2655, the so-called Lawsuit Abuse Reduction Act. Support efforts by CFPB and prudential regulators to end discriminatory lending practices in the auto finance market that harm minority car buyers.

H.R. 1450 Too-Big-to Fail, Too-Big-to Exist Act; H.R. 1553 To improve the examination of depository institutions; S.685 Too-Big-to-Fail, Too-Big-to Exist Act; S 727 A bill to improve the examination of depository institutions; S. 731 and S. 737 - Basel III Study Bills; H.R. 508 Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013; H.R. 613 Systemic Risk Mitigation Act; HR. 677 Interaffiliate Swap Clarification Act; H.R. 688 Credit Union Small Business Jobs Creation Act; H.R. 749 Eliminate Privacy Notice Confusion Act; H.R. 992 Swaps Regulatory improvement Act; H.R. 1221 Basel II Capital Impact Study Act; H.R. 1256 Swap Jurisdiction Certainty Act; S 100 Terminating the Expansion of Too-Big-to Fail Act of 2013; S. 205 Responsible Consumer Financial Protection Regulations Act of 2013; S. 474 Swaps Regulatory Improvement Act; S. 635 Privacy Notice Modernization Act of 2013; S. 798-TBTF Act; H.R. 450-Burwau of Consumer Financial Protection Accountability Act; S. 1217-Housing Finance Reform and Taxpayer Protection Act of 2013; H.R. 2410-Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2014; HR 3211, the Mortgage Choice Act of 2013; HR 3036, To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes.

Client expense: $150,000 · Firm income: Not reported

H.R. 148, DISCLOSE 2013 Act H.R. 450, Bureau of Consumer Financial Protection Accountability Act H.R. 634, Business Risk Mitigation and Price Stabilization Act of 2013 H.R. 677, Inter-Affiliate Swap Clarification Act H.R. 701, To amend a provision of the Securities Act of 1933 directing the Securities and Exchange Commission to add a particular class of securities to those exempted under such Act to provide a deadline for such action H.R. 719, Capital Access for Small Businesses and Jobs Act H.R. 742, Swap Data Repository and Clearinghouse Indemnification Correction Act of 2013 H.R. 949, Invest in American Jobs Act of 2013 H.R. 992 / S. 474, Swaps Regulatory Improvement Act H.R. 1038, Public Power Risk Management Act of 2013 H.R. 1062, SEC Regulatory Accountability Act H.R. 1105, Small Business Capital Access and Job Preservation Act H.R. 1106 / S. 550, Small Business Investment Company Modernization Act of 2013 H.R. 1135, Burdensome Data Collection Relief Act H.R. 1221, Basel III Capital Impact Study Act H.R. 1256, Swap Jurisdiction Certainty Act H.R. 1341, Financial Competitive Act of 2013 H.R. 1564, Audit Integrity and Jobs Protection Act H.R. 2122, Regulatory Accountability Act of 2013 H.R. 2374, Retail Investor Protection Act H.R. 2546 / S. 1257, Protect American Investments Act of 2013 H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 S. 737, Basel III Impact Study Act S. 888, A bill to provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934 S. 1029, Regulatory Accountability Act of 2013 Nomination of Richard Cordray as director of the CFPB Various issues relating to reforming the Consumer Financial Protection Bureau and the Securities Exchange Commission, including regulations regarding capital formation and capital markets; implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203), including proposals to alter the derivatives provisions; implementation of Moving Ahead for Progress in the 21st Century Act (P.L. 112-140), including issues related to pension fund stabilization; regulation of money market mutual funds; the proposed Volcker Rule; the Commodity Futures Trading Commission's derivatives regulations; amendments to Rule 701 under the Securities Act of 1933; reconciliation of merchant card and third-party payments; transparent financial reporting; the Private Securities Litigation Act (P.L. 104-67); the Jumpstart our Business Startups Act (P.L. 112-106); oversight of proxy advisory firms; political spending disclosures

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

H.R. 148, DISCLOSE 2013 Act H.R. 450, Bureau of Consumer Financial Protection Accountability Act H.R. 634, Business Risk Mitigation and Price Stabilization Act of 2013 H.R. 677, Inter-Affiliate Swap Clarification Act H.R. 701, To amend a provision of the Securities Act of 1933 directing the Securities and Exchange Commission to add a particular class of securities to those exempted under such Act to provide a deadline for such action H.R. 719, Capital Access for Small Businesses and Jobs Act H.R. 742, Swap Data Repository and Clearinghouse Indemnification Correction Act of 2013 H.R. 949, Invest in American Jobs Act of 2013 H.R. 992 / S. 474, Swaps Regulatory Improvement Act H.R. 1038, Public Power Risk Management Act of 2013 H.R. 1062, SEC Regulatory Accountability Act H.R. 1105, Small Business Capital Access and Job Preservation Act H.R. 1135, Burdensome Data Collection Relief Act H.R. 1221, Basel III Capital Impact Study Act H.R. 1240, Commercial Real Estate and Economic Development Act of 2013 H.R. 1256, Swap Jurisdiction Certainty Act H.R. 1341, Financial Competitive Act of 2013 H.R. 1564, Audit Integrity and Jobs Protection Act H.R. 2122, Regulatory Accountability Act of 2013 H.R. 2374, Retail Investor Protection Act S. 737, Basel III Impact Study Act S. 888, A bill to provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934 S. 1029, Regulatory Accountability Act of 2013 Nomination of Mary Jo White as Chairman of the Securities and Exchange Commission Nomination of Richard Cordray as director of the CFPB Various issues relating to reforming the Consumer Financial Protection Bureau, and the Securities Exchange Commission, including regulations regarding capital formation and capital markets; implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203), including proposals to alter the derivatives provisions; implementation of Moving Ahead for Progress in the 21st Century Act (P.L. 112-140), including issues related to pension fund stabilization; regulation of money market funds; the proposed Volcker Rule; the Commodity Futures Trading Commission's derivatives regulations; imbalances in the rights and communications of proxy advisory firms relative to retail shareholders; reconciliation of merchant card and third-party payments; transparent financial reporting; the Private Securities Litigation Act (P.L. 104-67); the Jumpstart our Business Startups Act (P.L. 112-106); oversight of proxy advisory firms; political spending disclosures

H.R.1450 Too-Big-to-Fail, Too-Big-to-Exist Act; H.R.1553 To improve the examination of depository institutions; S.685 Too-Big-to-Fail, Too-Big-to-Exist Act; S.727 A bill to improve the examination of depository institutions; S.731 and S.737 - Basel III Study Bills; H.R.508 Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013; H.R.613 Systemic Risk Mitigation Act; H.R.677 Interaffiliate Swap Clarification Act; H.R.688 Credit Union Small Business Jobs Creation Act; H.R.749 Eliminate Privacy Notice Confusion Act; H.R.992 Swaps Regulatory improvement Act; H.R.1221 Basel II Capital Impact Study Act; H.R.1256 Swap Juristiction Certainty Act; S.100 Terminating the Expansion of Too-Big-To-Fail Act of 2013; S. 205 Responsible Consumer Financial Protection Regulations Act of 2013; S.474 Swaps Regulatroy Improvement Act; S.635 Privacy Notice Modernization Act of 2013; S.798-TBTF Act; H.R.450-Bureau of Consumer Financial Protection Accountability Act; S.1217-Housing Finance Reform and Taxpayer Protection Act of 2013; H.R.2410-Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2014.

Client expense: $150,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

1) Support confirmation of Richard Cordray as CFPB director. (2) Support bank overdraft fee reform (HR 1261) (3) Support independent funding, authority and structure of CFPB and oppose all bills to weaken including HR 450,.S 18., S. 205, S 190, S. 238, S. 450 and any similar bills or budgetary line items or appropriations riders.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 simlar 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. (7) Support full funding and authority for all othe 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. 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. (13) Support CFPB/DOE efforts to protect students from unfair provate student loan practices. (14) 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 of consumer social networking and other information and regulate tracking of consumers. (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.

Please see addendum.Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs proposed rule on credit union service organizations Issues related to NCUAs rule on net worth and bargain purchase agreements Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs proposed rule regarding loan participations Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to derivatives and NCUAs proposed rule related to credit union use of derivatives Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products H.R. 450, Bureau of Consumer Financial Protection Accountability Act, all provisions H.R. 688, Credit Union Small Business Jobs Creation Act of 2013, all provisions H.R. 719, Capital Access for Small Businesses and Jobs Act of 2013, all provisions H.R. 736, Responsible Homeowner Refinancing Act of 2013, all provisions H.R. 749, Eliminate Privacy Notice Confusion Act of 2013, all provisions H.R. 801, Holding Company Registration Threshold Equalization Act of 2013, all provisions H.R. 839, Prompt Notification of Short Sale Act, all provisions H.R. 861, Elder Abuse Victims Act of 2013, all provisions H.R. 927, Common Sense Economic Recovery Act of 2013, all provisions H.R. 1077, Consumer Mortgage Choice Act H.R. 1255, Home Construction Lending Regulatory Improvement Act of 2013, all provisions H.R. 1261, Overdraft Protection Act of 2013, all provisions H.R. 1538, a bill to provide incentives to encourage financial institutions and small businesses to provide continuing financial education to customers, borrowers and employees, all provisions H.R. 1553, Financial Institution Examination Fairness and Reform Act, all provisions H.R. 1566, a bill to create a Federal Charter for Internet consumer credit corporations, all provisions H.R. 1603, a bill to support and promote community financial institutions in the mutual form, all provisionsH.R. 1646, a bill to amend the Federal Credit Union Act to provide an exception from the member business loan cap for loans made to aid in the recovery from a disaster, all provisions H.R. 1694, a bill to allow the Secretary of Treasury to rely on State examinations for certain financial institutions, all provisions H.R. 1750, the CLEAR Relief Act, all provisions H.R. 1754, Preserving American Homeownership Act of 2013, all provisions H.R. 1779, Preserving Access to Manufactured Housing Act of 2013, all provisions H.R. 1862, Capital Access for Small Community Financial Institutions, all provisions H.R. 2136, Small Business Credit Availability Act, all provisions H.R. 2295, Basel III CASE Act, all provisions H.R. 2379, Qualified Mortgage Loan Originator Transitional Authority Act, all provisions H.R. 2419, a bill to amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, all provisions H.R. 2512, a bill to amend the Truth in Lending Act to establish clear regulatory standards for mortgage servicers, all provisions H.R. 2547, a bill to determine appropriate risk based capital requirements for community, mid-size, and regional institutions, all provisions H.R. 2561, a bill to provide for the removal of default information form a borrowers credit report with respect to certain rehabilitated education loans, all provisions H.R. 2571, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act to require the Bureau of Consumer Financial Protection to notify and obtain permission from consumers before collecting nonpublic personal information about such consumers, all provisions H.R. 2572, a bill to improve the regulation of credit unions and depository institutions and to provide regulatory relief, all provisions H.R. 2580, a bill to allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters, all provisions Kildee Amendment to H.R. 1960, National Defense Authorization Act, related to disclosures required under the Military Lending Act S. 113, Know Before You Owe Private Student Loan Act, all provisions S. 114, Fairness for Struggling Student Act, all provisions S. 172, Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2013, all provisions S. 187, Deceptive Loan Check Elimination Act, all provisions S. 205, Responsible Consumer Financial Protection Regulations Act of 2013, all provisions S. 249, Responsible Homeowner Refinancing Act of 2013, all provisions S. 361, Prompt Notification of Short Sale Act of 2013, all provisions S. 450, Financial Regulatory Responsibility Act of 2013, all provisions S. 451, a bill to make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions S. 563, Jumpstart GSE Reform Act, all provisions S. 635, Privacy Notice Modernization Act of 2013, all provisions S. 673, Protecting Consumers from Unreasonable Credit Rates Act, all provisions S. 727, Financial Institutions Examination Fairness and Reform Act, all provisions S. 731, Basel III CASE Act, all provisions S. 733, Basel III Impact Study Act, all provisions S. 798, Terminating Bailouts for Taxpayer Fairness Act, all provisions S. 872, Holding Company Registration Threshold Equalization Act, all provisions S. 947, SAFE Act Confidentiality and Privilege Enhancement Act, all provisions S. 968, Small Business Lending Enhancement Act, all provisionsS. 985, a bill to repeal certain provisions of the Gramm-Leach-Bliley Act and revive the separation between commercial banking and the securities business, in the manner provided in the Banking Act of 1933, the so-called Glass-Steagall Act, all provisions S. 996, a bill to improve the National Flood Insurance Program, all provisions S. 1002, Home Building Lending Improvement Act, all provisions S. 1048, the Mortgage Finance Act, all provisions S. 1098, a bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership, all provisions S. 1176, a bill to impose a fine with respect to international remittance transfers if the sender is unable to verify legal status in the United States, all provisions S. 1217, Housing Finance Reform and Taxpayer Protection Act, all provisions S. 1229, a bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, all provisions S. Res. 105, a resolution designating April 2013 as Financial Literacy Month

H.R. 148, Disclose 2013 Act H.R. 450, Bureau of Consumer Financial Protection Accountability Act H.R. 634, Business Risk Mitigation and Price Stabilization Act of 2013 H.R. 677, Inter-Affiliate Swap Clarification Act H.R. 719, Capital Access for Small Businesses and Jobs Act H.R. 742, Swap Data Repository and Clearinghouse Indemnification Correction Act of 2013 H.R. 949, Invest in American Jobs Act of 2013 H.R. 992 / S. 474, Swaps Regulatory Improvement Act H.R. 1002, Fair Access to Credit Scores Act of 2013 H.R. 1038, Public Power Risk Management Act of 2013 H.R. 1105, Small Business Capital Access and Job Preservation Act H.R. 1256, Swap Jurisdiction Certainty Act S. 289, Commercial Real Estate and Economic Development Act of 2013 S. 450, Financial Regulatory Responsibility Act of 2013 S. Con. Res. 8, An original concurrent resolution setting forth the congressional budget for the United States Government for fiscal year 2014, revising the appropriate budgetary levels for fiscal year 2013, and setting forth the appropriate budgetary levels for fiscal years 2015 through 2023, including S. Amdt. 340 which would establish a deficit-neutral reserve fund for legislation that requires financial regulators to conduct rigorous cost-benefit analyses on all proposed rules and S. Amdt. 689, which would end Too Big To Fail subsidies or funding advantage for Wall Street mega-banks (over $500 billion in total assets) Nomination of Mary Jo White as Chairman of the Securities and Exchange Commission Nomination of Richard Cordray as director of the CFPB Various issues relating to reforming the Consumer Financial Protection Bureau and the Securities Exchange Commission, including regulations regarding capital formation and capital markets; implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203), including proposals to alter the derivatives provisions; regulation of money market funds; the proposed Volcker Rule; the Commodity Futures Trading Commissions derivatives regulations; reconciliation of merchant card and third-party payments; transparent financial reporting; securities litigation; the Private Securities Litigation Act (P.L. 104-67)

Please see addendum.Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs proposed rule on credit union service organizations Issues related to NCUAs rule on net worth and bargain purchase agreements Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs proposed rule regarding loan participations Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to derivatives and NCUAs proposed rule related to credit union use of derivatives Issues related to the Federal Home Loan Bank System H.R. 450, Bureau of Consumer Financial Protection Accountability Act, all provisions H.R. 688, Credit Union Small Business Jobs Creation Act of 2013, all provisions H.R. 719, Capital Access for Small Businesses and Jobs Act of 2013, all provisions H.R. 736, Responsible Homeowner Refinancing Act of 2013, all provisions H.R. 749, Eliminate Privacy Notice Confusion Act of 2013, all provisions H.R. 801, Holding Company Registration Threshold Equalization Act of 2013, all provisions H.R. 839, Prompt Notification of Short Sale Act, all provisions H.R. 861, Elder Abuse Victims Act of 2013, all provisions H.R. 927, Common Sense Economic Recovery Act of 2013, all provisions H.R. 1077, Consumer Mortgage Choice Act H.R. 1255, Home Construction Lending Regulatory Improvement Act of 2013, all provisions H.R. 1261, Overdraft Protection Act of 2013, all provisions S. 172, Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2013, all provisions S. 187, Deceptive Loan Check Elimination Act, all provisions S. 205, Responsible Consumer Financial Protection Regulations Act of 2013, all provisions S. 249, Responsible Homeowner Refinancing Act of 2013, all provisions S. 361, Prompt Notification of Short Sale Act of 2013, all provisionsS. 450, Financial Regulatory Responsibility Act of 2013, all provisions S. 451, a bill to make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions S. 563, Jumpstart GSE Reform Act, all provisions S. 635, Privacy Notice Modernization Act of 2013, all provisions