Insurance Capital Standards Clarification Act of 2014

S. 508, Strengthen and Vitalize Enforcement of Child Support (SAVE Child Support) Act- A bill to amend part D of title IV of the Social Security Act to improve the enforcement, collection, and administration of child support payments, and for other purposes.(Sec. 5 & Sec. 6) H.R. 960, Flood Victim Premium Relief Act of 2013- To amend the National Flood Insurance Act of 1968 to provide relief from increased flood insurance premium rates for homes in disaster areas. (entire bill) H.R. 1268, Flood Mitigation Expense Relief Act of 2013- To amend the Internal Revenue Code of 1986 to provide a credit for qualified flood mitigation expenses incurred with respect to certain residences for which the chargeable premium rate under the national flood insurance program is increasing and to provide increased funding for mitigation programs. (entire bill) H.R. 1267, Flood Insurance Premium Relief Act of 2013- To delay and phase-in increases in flood insurance premium rates under the national flood insurance program for certain properties, and for other purposes. (entire bill) H.R. 737, Homeowners' Defense Act of 2013- To establish a national catastrophic risk consortium to ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. (entire bill) H.R. 605, Insurance Consumer Protection and Solvency Act of 2013- To exclude insurance companies from the Federal Depository Insurance Corporation's "orderly liquidation authority". (entire bill) H.R. 508, Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013- To extend the Terrorism Risk Insurance Program for five years. (entire bill) S. 534/HR 1064, National Association of Registered Agents and Brokers Reform Act of 2013- A bill to reform the National Association of Registered Agents and Brokers, and for other purposes. (entire bill) H.R. 2129, Defense Base Act Insurance Improvement Act of 2013- To amend the Defense Base Act to require the provision of insurance under that Act under a Government self-insurance program, and to require an implementation strategy for such self-insurance program. (entire bill) H.R. 1945, Fostering Resilience to Terrorism Act of 2013- To extend the Terrorism Risk Insurance Program of the Department of the Treasury for 10 years, and for other purposes. (entire bill) H.R. 2146, Terrorism Risk Insurance Program Reauthorization Act of 2013- To extend the Terrorism Risk Insurance Program of the Department of the Treasury for 10 years. (entire bill) S. 1098, Responsible Implementation of Flood Insurance Reform Act of 2013- A bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership. (entire bill) H.R.3693, Flood Insurance Relief and Transparency Act of 2013- To clarify the application of the Biggert-Waters Flood Insurance Reform Act of 2012 to premium rates for certain properties, and for other purposes. (entire bill) S.1610/ H.R.3370, Homeowner Flood Insurance Affordability Act of 2013- A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes. (entire bill) S.1846, Homeowner Flood Insurance Affordability Act of 2013- A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes. (entire bill) H.R.3511, Keeping Flood Insurance Affordable Act of 2013- To delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes. (entire bill) S.1926, Homeowner Flood Insurance Affordability Act of 2014; National Association of Registered Agents and Brokers Reform Act of 2014- A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (entire bill) H.R.4669, Servicemembers Insurance Relief Act of 2014- To allow servicemembers to maintain their domicile for auto insurance purposes. (entire bill) H.R.4510/ S.2102, Insurance Capital Standards Clarification Act of 2014- To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. (entire bill) H.R.4558/ S. 2381, Flood Insurance Market Parity and Modernization Act of 2014- To clarify the authority of States to regulate private flood insurance coverage. (entire bill) H.R.4871, TRIA Reform Act of 2014- To reauthorize the Terrorism Risk Insurance Act of 2002, and for other purposes. (entire bill) H.R.4557, Policyholder Protection Act of 2014- To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. (entire bill) H.R. ___, Risk Retention Modernization Act of 2014 (House Discussion Draft)- To modernize the Liability Risk Retention Act of 1986 and expand types of commercial insurance authorized, and for other purposes. (entire bill) H.R. ___, Insurance Data Protection Act of 2014 (House Discussion Draft)- To clarify the responsibilities and treatment of data by the Federal Insurance Office of the Department of the Treasury. (entire bill) Issues related to the imposition of capital standards to non-banks Issues related to the implementation of Dodd-Frank Act (PL 111-203), the provision which may impact insurance regulation Implementation of Biggert-Waters Flood Insurance Act of 2012 Issues related to the Federal Insurance Office's report on insurance regulatory modernization. Issues related to the Systemic Risk Designation process pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Client expense: $350,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

Financial Regulatory Reform Federal Reserve Supervision of Savings and Loan Holding Companies Federal Reserve Board's Rules to Implement Basel III Regulatory Capital Reform Dodd-Frank Wall Street Reform and Consumer Protection Act in regards to: Systemic Risk Designation Notice of Proposed Rulemaking that would implement Section 619 of the Dodd-Frank Act, the Volcker Rule Capital Requirements for the Savings & Loan Holding Company and Federal Reserve Board Oversight as in the following bill: HR2140 - Insurance Capital and Accounting Standards Act of 2013 MMF Reform SEC Fiduciary Project (DFA Sec. 913) HR4510/S2270 - Insurance Capital Standards Clarification Act of 2014 Terrorism Risk Insurance Extension as in the following bill: HR508 - Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013 Basel III as in the following bills: S1369 - 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 S2102 - A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act GSE Reform Asset Manager SIFI Designation Death Master File Equity Market Structure

Client expense: $350,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC)

Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions and Global Capital Standards. H.R. 508, Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013. Amends the Terrorism Risk Insurance Act of 2002 to extend the Terrorism Insurance Program until December 31, 2019. Issue: Terrorism Insurance S. 2244, a bill to extend the termination date of the Terrorism Insurance Program established under the Terrorism Insurance Act of 2002. Issue: Terrorism Insurance H.R. 4871 - TRIA Reform Act of 2014. To reauthorize the Terrorism Risk Insurance Act of 2002. Issue: Terrorism Insurance H.R. 911, Competitive Health Insurance Reform Act of 2013. Issue: McCarran-Ferguson Act Issues H.R. 2374, the Retail Investor Protection Act. To amend the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. Issue: Fiduciary Duties S. 798, TBTF Act. Requires federal banking agencies to establish capital requirements for the ratio of equity capital to total consolidated assets for all financial institutions. Issue: Capital Standards H.R. 3121, American Health Care Reform Act of 2013. Issue: McCarran-Ferguson Act issues. H.R. 2140, Insurance Capital and Accounting Standards Act of 2013. Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) and the Home Owners' Loan Act to make minimum leverage and risk-based capital requirements governing insurance companies under the state law also apply to insurance companies that are either depository holding companies or subsidiaries of depository holding companies. Issue: Capital Standards, Basel III H.R. 4510 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III 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. Issue: Capital Standards, Basel III Tracking: H.R. 1155, National Association of Registered Agents and Brokers Reform Act of 2013. Amends the Gramm-Leach-Bliley Act to repeal the contingent conditions under which the National Association of Registered Agents and Brokers (NARAB) shall not be established. Reestablishes the NARAB without contingent conditions as a nonprofit corporation to prescribe, on a multi-state basis, licensing and insurance producer qualification requirements and conditions. Issue: Agent Licensing S. 534, National Association of Registered Agents and Brokers Reform Act of 2013. Amends the Gramm-Leach-Bliley Act to repeal the contingent conditions under which the National Association of Registered Agents and Brokers (NARAB) shall not be established. Reestablishes the NARAB without contingent conditions as a nonprofit corporation to prescribe, on a multi-state basis, licensing and insurance producer qualification requirements and conditions. Issue: Agent Licensing

Client expense: $1,273,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. H.R. 2140, the Insurance Capital and Accounting Standards Act of 2013. Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) and the Home Owners' Loan Act to make minimum leverage and risk-based capital requirements governing insurance companies under the state law also apply to insurance companies that are either depository holding companies or subsidiaries of depository holding companies. Issue: Capital Standards, Basel III H.R. 1062, SEC Regulatory Accountability Act. Issue: SEC Rulemaking, Cost-Benefit Analysis, Derivatives H.AMDT.64 to H.R. 1062, Amendment expresses the sense of Congress that rules adopted by the Public Company Accounting Oversight Board (PCAOB) comply with the same standards required of the SEC. It also requires the SEC to ensure that any rules adopted by the Municipal Securities Rulemaking Board (MSRB), and other national securities associations comply with the standards set forth in the bill. Issue: FINRA, Securities Rulemaking H.R. 1564, the Audit Integrity and Job Protection Act. Amends the Sarbanes-Oxley Act of 2002 (SOX) to deny the Public Company Accounting Oversight Board any authority to require that audits conducted for a particular issuer of securities in accordance with SOX standards be conducted by specific auditors, or that such audits be conducted for an issuer by different auditors on a rotating basis. Issue: Mandatory Auditor Rotation H.R. 2374, the Retail Investor Protection Act. To amend the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. Issue: Fiduciary Duties S. 731, the Basel III CASE Act. Directs the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency, before issuing any final rule in relation to proposals they have issued for the International Basel III agreement on general risk-based capital requirements, to conduct an empirical study that includes: (1) a quantitative analysis of the rule's impact on the U.S. financial services sector, specifically community, mid-size, and regional financial institutions; and (2) a determination of the long-term impact of the rule, including changes to the current risk weight framework. Issue: Capital Standards for Community Banks H.R 2547, the Determination of Appropriate Risk-Based Capital Requirements for Community Financial Institutions Act of 2013. To determine appropriate risk based capital requirements for community, mid-size, and regional institutions. Issue: Capital Standards for Community Banks S. 798, TBTF Act. Requires federal banking agencies to establish capital requirements for the ratio of equity capital to total consolidated assets for all financial institutions. Issue: Capital Standards 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. Issue: Capital Standards S. 1526, The Audit Integrity and Job Protection Act, to prevent the Public Company Accounting Oversight Board (PCAOB) from requiring public companies to use a specific auditor or to change auditors on a rotating basis. Issue: Mandatory Auditor Rotation H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 to prohibit Fannie Mae and Freddie Mac from purchasing, the FHA from insuring, and the Department of Agriculture from guaranteeing, making, or insuring, a mortgage that is secured by a residence or residential structure located in a county in which the State has used the power of eminent domain to take a residential mortgage. Issue: Mortgage Investments H.R. 2767, the Protect American Taxpayers & Homeowners (PATH) Act. Issue: Mortgage Investments and Government Sponsored Enterprises/Federal Home Loan Banks Draft H.AMDT to HR 2610, Transportation, Housing & Urban Development Appropriations, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. Provision in H.R. 4745, Transportation, Housing & Urban Development Appropriations, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. S. 2102, a bill to clarify the application of certain leverage and risk based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Capital Standards. H.R. 4510 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 5016 - Financial Services and General Government Appropriations Act, 2015. Making appropriations for financial services and general government for the fiscal year ending September 30, 2015, and for other purposes. Issue: Global insurance standards Draft Senate bill on Financial Services and General Government Appropriations Act, 2015. Making appropriations for financial services and general government for the fiscal year ending September 30, 2015, and for other purposes. Issue: Global insurance standards H.R. 4557 - Policyholder Protection Act of 2014. To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. Issue: Source of strength S. 1217- Housing Finance Reform and Taxpayer Protection Act of 2013. Authorizes the Federal Mortgage Insurance Corporation to provide insurance to any covered security regardless of whether it has satisfied credit-risk sharing requirements if unusual and exigent circumstances have created an anomalous lack of mortgage credit availability. Issue: Government Sponsored Enterprises. Senate ADMT to S. 1217-Housing Finance Reform and Taxpayer Protection Act of 2014. To provide for prohibitions relating to the use of the power of eminent domain. Issue: Mortgage Investments H.R. 4881, a bill to place a 6-month moratorium on the authority of the Financial Stability Oversight Council to make financial stability determinations. Issue: Global insurance standards. H.R. 749 - Eliminate Privacy Notice Confusion Act. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, and (2) has not changed its policies and practices with regard to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers. Issue: privacy S. 635 - Privacy Notice Modernization Act of 2013. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual written privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, (2) has not changed its policies and practices with respect to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers, and (3) otherwise provides customers access to such most recent disclosure in electronic or other form permitted by specified regulations. Issue: privacy H.R. 5018 - Federal Reserve Accountability and Transparency Act of 2014. This bill amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System. Issue: global insurance standards. H.Res.735 - Expressing the sense of the House of Representatives that recently proposed measures that will reduce transparency and public participation at the International Association of Insurance Supervisors (IAIS) should be disapproved by United States representatives to the IAIS. Issue: global insurance standards. S.Res. 561 - A resolution expressing the sense of the Senate that recently proposed measures that will reduce transparency and public participation at the International Association of Insurance Supervisors (IAIS) should be disapproved by United States representatives to the IAIS. Issue: global insurance standards. H.R._____, Draft legislation on the development of global insurance standards. Issue: global insurance standards. H.R. 5421 - Financial Institution Bankruptcy Act of 2014. To amend title 11 of the United States Code in order to facilitate the resolution of an insolvent financial institution in bankruptcy. Is

Client expense: $1,273,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 4510 Insurance Capital Standards legislation

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES

Implementation of Financial Regulatory Reform - HR 4173/S 3217 derivatives, systemically important, orderly liquidation, prudential requirements, Federal Insurance Office study. Financial Stability Oversight Council Final Rule Interpretive Guidance on the authority to Require Supervision and Regulation of Certain Nonbank Financial Companies (RIN 4030-AA00) H.R. 5180, Financial Stability Oversight Council Improvement Act - all provisions Federal Reserve Board Rulemaking on Enhanced Prudential Standards and Early Remediation Requirements for Covered Companies (RIN 7100-AD-86) Federal Reserve Board Notice of Proposed Rulemaking on Amendments to the Capital Plan and Stress Test Rules (Docket No. 1492; RIN 7100 AE 20) Federal Reserve Rulemaking on Regulatory Capital Rules: Regulatory Capital, Implementation of Basel III, Minimum Regulatory Capital Ratios, Capital Adequacy, Transition Provisions, and Prompt Corrective Action (FRS Docket No. R-1438 & RIN 3064-AD95); Standardized Approach for Risk-weighted Assets; Market Discipline and Disclosure Requirements (FRS Docket No. R-1442 & RIN 3064-AD96); Advanced Approaches Risk-Based Capital Rule; Market Risk Capital Rule (FRS Docket No. R-1442 & RIN 3064-AD97) S. 1369, S. 2102, S.2270, HR 5461 and H.R. 4510 - (Insurance Capital Standards Clarification Act of 2014) - 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. H.R. 4881, a bill to place a 6-month moratorium on the authority of the Financial Stability Oversight Council to make financial stability determinations - all provisions H.R. 4387 - the FSOC Transparency and Accountability Act - To amend the Financial Stability Act of 2010 to require the Financial Stability Oversight Council to hold open meetings and comply with the requirements of the Federal Advisory Committee Act, to provide additional improvements to the Council, and for other purposes - all provisions Joint agency proposed rulemaking on Margin Requirements for Uncleared Swaps for Swap Dealers and Major Swap Participants; RIN 3038-AC97

Client expense: $2,160,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

S. 2244, A bill to extend the termination date of the Terrorism Insurance Program established under the Terrorism Insurance Act of 2002, and for other purposes. The bill would additionally establish the National Association of Registered Agents and Brokers. S. 2270, "Insurance Capital Standards Clarification Act of 2014" - Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act concerning establishment of minimum leverage and minimum risk-based capital requirements on a consolidated basis for a depository institution holding company or a nonbank financial company supervised by the Board of Governors of the Federal Reserve System (Board). H.R. 4510, "Insurance Capital Standards Clarification Act of 2014" - Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act concerning establishment of minimum leverage and minimum risk-based capital requirements on a consolidated basis for a depository institution holding company or a nonbank financial company supervised by the Board of Governors of the Federal Reserve System (Board). H.R. 4871, "TRIA Reform Act of 2014" - Amends the Terrorism Risk Insurance Act of 2002 (TRIA) to extend the Terrorism Insurance Program through December 31, 2019, and to revise provisions governing the Program. No Bill number - a proposal to facilitate automatic enrollment programs with regard to disability coverage and to establish a National Clearinghouse for Income Protection Information. No Bill number - a proposal to require consultation with Congress with respect to domestic insurance and international agreements on insurance standards or regulations, establishing an advisory committee on international insurance regulation and negotiations, and for other purposes. H.R. 5461 - To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes. As it relates to insurance capital standards and with respect to certain prohibitions on proprietary trading by banking entities and certain relationships with hedge funds and private equity funds.

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

Government targets: Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Federal Reserve Boards Rules to Implement Basel III Regulatory Capital Reforms; Dodd-Frank Wall Street Reform and Consumer Protection Act in regards to:Systemic Risk Designation, Capital Requirements for the Savings & Loan Holding Company and Federal Reserve Oversight as in the following bills:HR4510/S2270 - Insurance Capital Standards Clarification Act of 2014; money market Reform; HR508 - Terrorism Risk Insurance Act / Reauthorization Act of 2013, HR4871 - TRIA Reform Act of 2014; Asset Manager issues, HR5180 - Financial Stability Oversight Council Improvement Act of 2014.

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

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

The Insurance Capital Standards Clarification Act of 2014, S.2270, H.R.4510, H.R.5461, S.2102.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4173 "Wall Street Reform & Consumer Protection Act" S 1369, HR 4510 - A bill to provide aditional 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 busines of insurance.

Client expense: $280,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to financial services regulatory reform, specifically as it applies to insurance regulation. Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub.L. 111-203). Issues related to the systemic risk designation process. Monitored progress of terrorism risk insurance legislation. H.R. 508, TRIA Reauthorization Act of 2013. S. 2244, Terrorism Risk Insurance Program Reauthorization Act of 2014.H.R. 3815, To repeal the Biggert-Waters Flood Insurance Reform Act of 2012. S.1926, A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers (NARAB II), and for other purposes. H.R. 4510/ S. 2270, Insurance Capital Standards Clarification Act of 2014.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitor implementation of proposed regulations related to the creation of a Federal Insurance Office and reinsurance and systemic risk (Public Law No: 111-203, Wall Street Reform and Consumer Protection Act of 2009); monitor Financial Stability Oversight Committee activities related to the Dept. of Treasury; monitor implementation of the Flood Insurance Reform Act (P.L. 112-141); support H.R. 508, the Terrorism Risk Insurance Act Reauthorization Act of 2013; H.R. 2146, the Terrorism Risk InsuranceProgram Reauthorization Act of 2013; and S. 2244, the Terrorism Risk Insurance Program Reauthorization Act of 2014; monitor H.R. 4871, the TRIA Reform Act of 2014; support H.R. 4510 / S. 2270, the Insurance Capital Standards Clarification Act of 2014.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

No Bill # - Issues relating to GSE/Housing Finance Reform - focus on multi-family housing policy No Bill # - Issues relating to Dodd-Frank implementation and FIO, OFR, Volcker Rule, FSOC, FSB and their associated work on topics like capital standards, non-bank SIFI designation, insurance regulation, and oversight S. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 - All provisions S. 534 - National Association of Registered Agents and Brokers Reform Act of 2013; All Provisions S. 563 - Jumpstart GSE Reform Act; Multifamily Provisions H.R. 2767 - Protecting American Taxpayers and Homeowners (PATH) Act - All provisions S. 1376 - The FHA Solvency Act of 2013 - all provisions H.R. 2720 - Alexis Agin Identity Theft Protection Act of 2013 H.R. 1155 - National Association of Registered Agents and Brokers Reform Act of 2013 S. 676 - Identity Theft and Tax Fraud Prevention Act of 2013 No Bill # - Bipartisan Budget Act of 2013 No Bill # - Universal Child Savings Accounts S. 2270; H.R. 4510 - Insurance Capital Standards Clarification Act of 2014 H.R. 5461 - To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes S.2244 - Terrorism Risk Reinsurance Authorization Act of 2014

Client expense: $2,220,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

No Bill # - Issues relating to GSE/Housing Finance Reform - focus on multi-family housing policy No Bill # - Issues relating to Dodd-Frank implementation and FIO, OFR, Volcker Rule, FSOC, FSB and their associated work on topics like capital standards, non-bank SIFI designation, insurance regulation, and oversight S. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 - All provisions S. 534 - National Association of Registered Agents and Brokers Reform Act of 2013; All Provisions S. 563 - Jumpstart GSE Reform Act; Multifamily Provisions H.R. 2767 - Protecting American Taxpayers and Homeowners (PATH) Act - All provisions S. 1376 - The FHA Solvency Act of 2013 - all provisions H.R. 2720 - Alexis Agin Identity Theft Protection Act of 2013 H.R. 1155 - National Association of Registered Agents and Brokers Reform Act of 2013 S. 676 - Identity Theft and Tax Fraud Prevention Act of 2013 No Bill # - Bipartisan Budget Act of 2013 No Bill # - Universal Child Savings Accounts S. 2270; H.R. 4510 - Insurance Capital Standards Clarification Act of 2014 H.R. 5461 - To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes S.2244 - Terrorism Risk Reinsurance Authorization Act of 2014

Client expense: $2,220,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

S. 2102- A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, 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. 2270- Insurance Capital Standards Clarification Act of 2014, H.R. 4510- Insurance Capital Standards Clarification Act of 2014

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 508, Strengthen and Vitalize Enforcement of Child Support (SAVE Child Support) Act- A bill to amend part D of title IV of the Social Security Act to improve the enforcement, collection, and administration of child support payments, and for other purposes.(Sec. 5 & Sec. 6) H.R. 960, Flood Victim Premium Relief Act of 2013- To amend the National Flood Insurance Act of 1968 to provide relief from increased flood insurance premium rates for homes in disaster areas. (entire bill) H.R. 1268, Flood Mitigation Expense Relief Act of 2013- To amend the Internal Revenue Code of 1986 to provide a credit for qualified flood mitigation expenses incurred with respect to certain residences for which the chargeable premium rate under the national flood insurance program is increasing and to provide increased funding for mitigation programs. (entire bill) H.R. 1267, Flood Insurance Premium Relief Act of 2013- To delay and phase-in increases in flood insurance premium rates under the national flood insurance program for certain properties, and for other purposes. (entire bill) H.R. 737, Homeowners' Defense Act of 2013- To establish a national catastrophic risk consortium to ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. (entire bill) H.R. 605, Insurance Consumer Protection and Solvency Act of 2013- To exclude insurance companies from the Federal Depository Insurance Corporation's "orderly liquidation authority". (entire bill) H.R. 508, Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013- To extend the Terrorism Risk Insurance Program for five years. (entire bill) S. 534/HR 1064, National Association of Registered Agents and Brokers Reform Act of 2013- A bill to reform the National Association of Registered Agents and Brokers, and for other purposes. (entire bill) H.R. 2129, Defense Base Act Insurance Improvement Act of 2013- To amend the Defense Base Act to require the provision of insurance under that Act under a Government self-insurance program, and to require an implementation strategy for such self-insurance program. (entire bill) H.R. 1945, Fostering Resilience to Terrorism Act of 2013- To extend the Terrorism Risk Insurance Program of the Department of the Treasury for 10 years, and for other purposes. (entire bill) H.R. 2146, Terrorism Risk Insurance Program Reauthorization Act of 2013- To extend the Terrorism Risk Insurance Program of the Department of the Treasury for 10 years. (entire bill) S. 1098, Responsible Implementation of Flood Insurance Reform Act of 2013- A bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership. (entire bill) H.R.3693, Flood Insurance Relief and Transparency Act of 2013- To clarify the application of the Biggert-Waters Flood Insurance Reform Act of 2012 to premium rates for certain properties, and for other purposes. (entire bill) S.1610/ H.R.3370, Homeowner Flood Insurance Affordability Act of 2013- A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes. (entire bill) S.1846, Homeowner Flood Insurance Affordability Act of 2013- A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes. (entire bill) H.R.3511, Keeping Flood Insurance Affordable Act of 2013- To delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes. (entire bill) S.2244, Terrorism Risk Insurance Program Reauthorization Act of 2014- To extend the termination date of the Terrorism Insurance Program established under the Terrorism Risk Insurance Act of 2002, and for other purposes. (entire bill) S.1926, Homeowner Flood Insurance Affordability Act of 2014; National Association of Registered Agents and Brokers Reform Act of 2014- A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (entire bill) H.R.4669, Servicemembers Insurance Relief Act of 2014- To allow servicemembers to maintain their domicile for auto insurance purposes. (entire bill) H.R.4510/ S.2102, Insurance Capital Standards Clarification Act of 2014- To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. (entire bill) H.R.4558/ S. 2381, Flood Insurance Market Parity and Modernization Act of 2014- To clarify the authority of States to regulate private flood insurance coverage. (entire bill) H.R.4871, TRIA Reform Act of 2014- To reauthorize the Terrorism Risk Insurance Act of 2002, and for other purposes. (entire bill) H.R.4557, Policyholder Protection Act of 2014- To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. (entire bill) H.R. ___, Risk Retention Modernization Act of 2014 (House Discussion Draft)- To modernize the Liability Risk Retention Act of 1986 and expand types of commercial insurance authorized, and for other purposes. (entire bill) H.R. ___, Insurance Data Protection Act of 2014 (House Discussion Draft)- To clarify the responsibilities and treatment of data by the Federal Insurance Office of the Department of the Treasury. (entire bill) Issues related to the imposition of capital standards to non-banks Issues related to the implementation of Dodd-Frank Act (PL 111-203), the provision which may impact insurance regulation Implementation of Biggert-Waters Flood Insurance Act of 2012 Issues related to the Federal Insurance Office's report on insurance regulatory modernization. Issues related to the Systemic Risk Designation process pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act.

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

Government targets: Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

Legislation that would give the Federal Reserve authority to issue capital standards for insurance companies that are subject to Federal Reserve supervision, including: H.R. 4510 - Insurance Capital Standards Clarification Act of 2014 S. 2270 - Insurance Capital Standards Clarification Act of 2014 H.R. 5461 - To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes. (provisions specific to insurance capital standards)

Client expense: $430,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S2270/HR4510, "Insurance Capital Standards Clarification Act of 2014", regarding all provisions. PL 111-203, "Dodd-Frank Act", regarding all provisions. HR 4413, "Customer Protection and End User Relief Act", regarding all provisions.

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

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

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Systemic Risk, Dodd-Frank Wall Street Reform and Consumer Protection Act Implementation, S. 2102- A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, 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. 2270- Insurance Capital Standards Clarification Act of 2014, H.R. 4510- Insurance Capital Standards Clarification Act of 2014, H.R. 4510- Insurance Capital Standards Clarification Act of 2014, H.R. 4510- Insurance Capital Standards Clarification Act of 2014

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1155: National Association of Registered Agents and Brokers Reform Act of 2013 - Amends the Gramm-Leach-Bliley Act to repeal the contingent conditions under which the National Association of Registered Agents and Brokers (NARAB) shall not be established. Reestablishes the NARAB without contingent conditions as a nonprofit corporation to prescribe, on a multi-state basis, licensing and insurance producer qualification requirements and conditions.HR 508: TRIA Reauthorization Act of 2013 - Amends the Terrorism Risk Insurance Act of 2002 to extend the Terrorism Insurance Program until December 31, 2019 (under current law the Program expires on December 31, 2014). HR 1945: Fostering Resilience to Terrorism Act of 2013 - Amends the Terrorism Risk Insurance Act of 2002 to revise the definition of an "act of terrorism" to mean any act that is certified as meeting the specified criteria for such n act by the Secretary of Homeland Security (DHS), in concurrence with the Secretary of the Treasury (currently, by the Secretary of the Treasury in concurrence with the Secretary of State). Extends the Terrorism Insurance Program until December 31, 2024 (under current law, the Program expires on December 31, 2014). HR 2140: Insurance Capital and Accounting Standards Act of 2013 - Amends the Dodd-Frank Wall Street Reform and Consumer protection Act (Dodd-Frank) and the Home Owners' loan Act to make minimum leverage and risk-based capital requirements governing insurance companies under the state law also apply to insurance companies that are either depository holding companies or subsidiaries of depository holding companies. HR 2146: Terrorism Risk insurance program Reauthoriation Act of 2013 - Amends the Terrorism Risk insurance Act of 2002 to extend from December 31, 2014, through December 31, 2024, the Terrorism Risk insurance program. Extends to September 30, 2027, the deadline by which the Secretary of the Treasury is required to collect all mandatory premiums for any act of terrorism occuring on or after January 1, 2012. HR 4510: Insurance Capital Standards Clarification Act of 2014 - Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) concerning establishment of minimum leverage and minimum risk-based capital requirements on a consolidated basis for a depository institution holding company or a nonbank financial company supervised by the Board of Governors of the Federal Reserve System. H.R. 5623 Living Donor Protection Act: the bill is designed to "to promote organ donation and protect the rights of living organ donors" by prohibiting life, disability and long term care companies from denying coverage, limiting coverage or charging higher premiums for organ donors. S 534: National Association of Registered Agents and Brokers Reform Act of 2013 - Amends the Gramm-Leach-Bliley Act to repeal the contingent conditions under which the National Association of Registered Agents and Brokers (NARAB) shall not be established. Reestablishes the NARAB without contingent conditions as a nonprofit corporation to prescribe, on a multi-state basis, licensing and insurance producer qualification requirements and conditions. S1369: 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. S.1926: A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. S.2102: A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. S.2270: Insurance Capital Standards Clarification Act of 2014 - Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) concerning establishment of minimum leverage and minimum risk-based capital requirements on a consolidated basis for a depository institution holding company or a nonbank financial company supervised by the Board of Governors of the Federal Reserve System. H.R.5461: To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction

Client expense: $430,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

HR4510, S2270, Insurance Capital Standards Clarification Act of 2014, issues related to collateralized loan obligations; HR5461, To clarify the application of certain leverage and risk based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, issues related to collateralized loan obligations; HR3547, Consolidated Appropriations Act, issues regarding Dodd-Frank Act section 716.

Client expense: $1,200,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of

Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub.L.11-203), specifically as it applies to insurance regulation Issues related to the Federal Insurance Office Regulatory reform in general Issues related to the implementation of the Biggert-Waters Flood Insurance Reform Act of 2012 as included in Pub.L. 113-89 S. 1864/H.R. 3370:Homeowner Flood Insurance Affordability Act of 2013 S. 2381: Flood Insurance Market Parity and Modernization Act of 2014 Issues related to the renewal of the Terrorism Risk Insurance Program Reauthorization of 2007 (Pub.L. 110-160) H.R. 508: TRIA Reauthorization Act of 2013-Amends the Terrorism Risk Insurance Act of 2002 to extend the Terrorism Risk Insurance Program until December 31, 2019 H.R. 1945: Fostering Resilience to Terrorism Act of 2013-To extend the Terrorism Risk Insurance Program of the Department of the Treasury for 10 years, and for other purposes H.R. 2146: Terrorism Risk Insurance Program Reauthorization Act of 2013- To extend the Terrorism Risk Insurance Program of the Department of Treasury for 10 years H.R. 4871: TRIA Reform Act of 2014 S.2244: Terrorism Risk Insurance Program Reauthorization Act of 2014 Issues related to the Department of Housing and Urban Development's final rule on disparate impact Issues related to capital standards for insurers 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 H.R. 4510/S. 2270: Insurance Capital Standards Clarification Act of 2014 H.J.Res. 59: Bipartisan Budget Act of 2013-Issues related to access to the Death Master File, particularly as it applies to life insurance Issues related to insurance accounting rules proposed by the Financial Accounting Standards Board Printed

Client expense: $710,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, SENATE, Transportation, Dept of (DOT)

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. 801, Holding Company Registration Threshold Equalization Act of 2014 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. 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. 3211, Mortgage Choice Act of 2013 H.R. 3331, Incorporation Transparency and Law Enforcement Assistance Act 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. 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. 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. 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. 5402, Standard Merger and Acquisition Reviews Through Equal Rules Act of 2014 H.R. 5405, Promoting Job Creation and Reducing Small Business Burdens Act H.R. 5461, To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes H.R. 5471, To amend the Commodity Exchange Act and the Securities Exchange Act of 1934 to specify how clearing requirements apply to certain affiliate transactions, and for other purposes 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. 1898, Truth in Settlements Act of 2014 S. 2244, Terrorism Risk Insurance Program Reauthorization Act of 2014 S. 2698, Regulatory Easement for Lending Institutions that Enable a Vibrant Economy Act of 2014 Draft legislation on conflict minerals disclosures Various issues relating to Private Securities Litigation Reform Act of 1995 (P.L. 104-67); implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203), including proposals to alter the derivatives provisions, 1502 relating to conflict minerals and resulting rule from the Securities Exchange Commission, and Volcker Rule - including trust preferred bonds and collateralized loan obligations; Moving Ahead for Progress in the 21st Century Act (MAP-21) (P.L. 112-141), including Sec. 40312, issues related to pension fund stabilization; implementation of the Jumpstart our Business Startups Act (P.L. 112-106); Securities Act of 1933 (P.L. 73-22), including amendments to Rule 701; 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; proposed regulation of money market mutual funds; proposed risk retention rules and the collateralized loan obligations market; Commodity Futures Trading Commission's derivatives regulations; Basel III capital standards; reconciliation of merchant card and third-party payments; political spending disclosures; 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

Client expense: $21,250,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Product Safety Commission (CPSC), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), General Services Administration (GSA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Institute of Standards & Technology (NIST), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Fish & Wildlife Service (USFWS), U.S. Forest Service, U.S. Trade Representative (USTR), White House Office

S. 2270, H.R. 4510, Insurance Capital Standards Act, all provisions. H.R. 5461, provisions related to insurance capital standards. Issues related to the activities of the International Association of Insurance Supervisors in relation to ComFrame and globally systemically important insurers. Issues related to the negotiation of covered agreements on insurance matters.

Client expense: $670,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub.L.11-203), specifically as it applies to insurance regulation. Issues related to the Federal Insurance Office Regulatory reform in general Issues related to the implementation of the Biggert-Waters Flood Insurance Reform Act of 2012 as included in Pub.L. 113-89 S. 1864/H.R.3370: Homeowner Flood Insurance Affordability Act of 2014, PL 113-89 S. 2381: Flood Insurance Market Parity and Modernization Act of 2014 Issues related to the potential renewal of the Terrorism Risk Insurance Program Reauthorization Act of 2007 (Pub.L. 110-160) H.R. 508: TRIA Reauthorization Act of 2013 - Amends the Terrorism Risk Insurance Act of 2002 to extend the Terrorism Risk Insurance Program until December 31, 2019 H.R. 1945: Fostering Resilience to Terrorism Act of 2013 - To extend the Terrorism Risk Insurance Program of the Department of the Treasury for 10 years, and for other purposes. H.R. 2146: Terrorism Risk Insurance Program Reauthorization Act of 2013 - To extend the Terrorism Risk Insurance Program of the Department of the Treasury for 10 years. H.R.4871: TRIA Reform Act of 2014 S. 2244: Terrorism Risk Insurance Program Reauthorization Act of 2014 Issues related to the Department of Housing and Urban Development's final rule on disparate impact Issues related to capital standards for insurers 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. H.R. 4510/S.2270: Insurance Capital Standards Clarification Act of 2014 H.J. Res. 59: Bipartisan Budget Act of 2013 - Issues related to the Death Master File, particularly as it applies to life insurance Issues related to insurance accounting rules proposed by the Financial Accounting Standards Board

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

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 41-National Flood Insurance Program, H.R. 99-Medical Malpractice, H.R. 240- Natural Catastrophe Backstop, H.R. 508-Terrorism Risk Insurance Act, H.R. 549-Natural Catastrophe Insurance, H.R. 605-Insurance, H. Res. 735- International Insurance, H.R. 737-Natural Catastrophe Insurance, H.R. 960-National Flood Insurance Program, H.R. 968-National Flood Insurance Program, H.R. 1028-Mortgage Insurance, H.R. 1035-National Flood Insurance Program, H.R. 1064-Insurance Agent Licensing, H.R. 1101-Natural Catastrophe Insurance, H.R. 1155-Insurance Agent Licensing, H.R. 1194-National Flood Insurance Program, H.R. 1267-National Flood Insurance Program, H.R. 1268-Flood Insurance, H.R. 1369-Gun Control, H.R. 1485-National Flood Insurance Program, H.R. 1945-Terrorism Risk Insurance Act, H.R. 2129-Workers Compensation Insurance, H.R. 2140-Capital Standards, H.R. 2146-Terrorism Risk Insurance Act, H.R. 2156-Adjuster Reciprocity, H.R. 2293-Flood Insurance, H.R. 3156- National Flood Insurance Program, H.R. 3218-National Flood Insurance Program, H.R. 3370-National Flood Insurance Program, H.R. 3693-National Flood Insurance Program, H.R. 4352-National Flood Insurance Program, H.R. 4510-Capital Standards, H.R. 4557-Private Support to FDIC, H.R. 4558- Flood Insurance, H.R. 4669-Servicemembers Auto Insurance, H.R. 4871-Terrorism Risk Insurance Act, H.R. 5461-Capital Standards, "Insurance Data Protection Act of 2014" (House), "Risk Retention Modernization Act" (House), S. 20-Dodd-Frank Act, S. 205-Consumer Financial Protection Bureau, S. 534-Insurance Agent Licensing, S. Res. 561- International Insurance, S. 996-National Flood Insurance Program, S. 1075-National Flood Insurance Program, S. 1098-National Flood Insurance Program, S. 1217- Mortgage Insurance, S. 1369-Capital Standards, S. 1610-National Flood Insurance Program, S. 1846-National Flood Insurance Program, S. 1926-National Flood Insurance Program, S. 2244-Terrorism Risk Insurance Act, S. 2270- Capital Standards, S. 2381-Flood Insurance, S. 2731-Workers Compensation Insurance

Client expense: $1,170,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

HR 4510, The Insurance Capital Standards Clarification Act of 2014;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. Additionally, Dodd-Frank Wall Street Reform Act with special regard to capital reserve standards, systemic risk, and to possible issues related to insurers in general.

Client expense: Not reported · Firm income: $5,000

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, Treasury, Dept of

HR 4510, The Insurance Capital Standards Clarification Act of 2014;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. Additionally, Dodd-Frank Wall Street Reform Act with special regard to capital reserve standards, systemic risk, and to possible issues related to insurers in general. Monitored international trade agreements that may or may not impact domestic insurers.

Client expense: Not reported · Firm income: $5,000

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), SENATE, Treasury, Dept of

Support of S. 2270.H.R. 5461/H.R. 4510, Insurance Capital Standards Clarification Act of 2014; discussion on study on global capital standards with GAO; impact of international regulatory standards on the competitiveness of US Insurers.

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

Government targets: Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Pension Benefit Guaranty Corporation (PBGC), SENATE, Treasury, Dept of

Insurance Capital Standards Clarification Act of 2014 (S.2270/H.R.4510)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Regulation of Insurance (general), Federal Insurance Office (general), HR 240, Homeowners Insurance Protection Act of 2013, HR 508, Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013, HR 549, Homeowner Catastrophe Protection Act of 2013, HR 737, Homeowners' Defense Act of 2013, HR 960, Flood Victim Premium Relief Act of 2013, HR 1155, National Association of Registered Agents and Brokers Reform Act of 2013, HR 1267, Flood Insurance Premium Relief Act of 2013, HR 1485, To amend the National Flood Insurance Act of 1968 to modify the phase-in increases in flood insurance premium rates for certain properties, and for other purposes, HR 1878, Safe Building Code Incentive Act of 2013, Reathorization of the Terrorism Risk Insurance Act (general), H.R. 1945, the Fostering Resilience to Terrorism Act, HR 2146, Terrorism Risk Insurance Program Reauthorization Act of 2013, HR 2217, Department of Homeland Security Appropriations Act 2014, HR 3511, Keeping Flood Insurance Affordable Act of 2013, HR 3693, Flood Insurance Relief and Transparency Act of 2013, S 534, National Association of Registered Agents and Brokers Reform Act of 2013, S 996, A bill to improve the National Flood Insurance Program, and for other purposes, S 1610, Homeowner Flood Insurance Affordability Act of 2013, PL 112-141, To authorize funds for Federal-aid highways, highway safety programs, and transit programs, and for other purposes (flood insurance provisions), H.R. 3468, the Credit Union Share Insurance Fund Parity Act, S. 1193, the Data Security and Breach Notification Act of 2013, S. 1897, Personal Data Privacy and Security Act of 2014, S. 1927, the Data Security Act of 2014, S. 1976, Data Security and Breach Notification Act of 2014, S. 1995, the Personal Data Protection and Breach Accountability Act of 2014, S. 1926, the Homeowners Flood Insurance Affordability Act, HR 3370, Homeowner Flood Insurance Affordability Act ( Public Law 113-89), H.R. 4313, the Flood Insurance Premium Parity Act. S.2244, the Terrorism Risk Insurance Program Reauthorization Act, H.R. 4871, the TRIA Reform Act of 2014, H.R. 4669, the Service Members Insurance Relief Act, H.R. 4510, the Insurance Capital Standards Clarification Act, H.R. 605, the Insurance Consumer Protection and Solvency Act, H.R. 4557, the Policyholder Protection Act, the Risk Retention Modernization Act (not yet introduced), the Insurance Data Protection Act (not yet introduced), H.R. 4558/S. 2381 the Flood Insurance Market Parity and Modernization Act of 2014, S. 2270, the Insurance Capital Standards Clarification Act, 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, S. 1535/H.R. 3143, the Justice Against Sponsors of Terrorism Act, H.R. 1786, National Windstorm Impact Reduction Act Reauthorization of 2014, the Congressional Oversight of International Insurance Act (not yet introduced)

Client expense: $78,235 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Risk Management Agency, SENATE, Treasury, Dept of

Support H.R. 4510 / S. 2270, the Insurance Capital Standards Clarification Act of 2014 (P.L. 113-279)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial regulatory reform issues including implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 466 - Social Security Death Master File Privacy Act of 2013 - all provisions H.J. Res. 59 - Continuing Appropriations Resolution, 2014 - Social Security Death Master File Provisions H.R.776 - Security in Bonding Act of 2014 S. 2102- A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act S. 2270- Insurance Capital Standards Clarification Act of 2014 H.R. 4510- Insurance Capital Standards Clarification Act of 2014 H.R. 5461- To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes. H.R. 5260- Stop Disability Fraud Act of 2014 H.R. 647- ABLE Act of 2014

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

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

Insurance issues including terrorism risk insurance reauthorization, Medicare Secondary Payer Act reporting, the National Flood Insurance Program, and group disability insurance enrollment H.R. 240 - Homeowners Insurance Protection Act - all provisions H.R. 508 - Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013 - all provisions H.R. 1945 - Fostering Resilience to Terrorism Act of 2013 - all provisions H.R. 2146 - Terrorism Risk Insurance Program Reauthorization Act of 2013 - all provisions H.R. 1982 - Medicare Secondary Payer and Workers Compensation Settlement Agreements Act of 2013 - all provisions S. 534 - National Association of Registered Agents and Brokers Reform Act of 2013 - all provisions H.R. 1155 - National Association of Registered Agents and Brokers Reform Act of 2013 - all provisions H.R. 1786 - National Windstorm Impact Reduction Act Reauthorization of 2013 - all provisions H.R. 624 - Cyber Intelligence Sharing and Protection Act - liability standard provisions H.R. 2217 - Department of Homeland Security Appropriations Act, 2014 - National Flood Insurance Program provisions H.R. 3696 - National Cybersecurity and Critical Infrastructure Protection Act of 2013 - all provisions H.R. 3693 - Flood Insurance Relief and Transparency Act of 2013 - all provisions H.R. 3370 - Homeowner Flood Insurance Affordability Act of 2013 - all provisions S.1846 - Homeowner Flood Insurance Affordability Act of 2013 H.R. 4510- Insurance Capital Standards Clarification Act of 2014- all provisions H.R. 4871- TRIA Reform Act of 2014- all provisions S.2244 - Terrorism Risk Insurance Program Reauthorization Act of 2014- all provisions S 2588- Cyber Intelligence Sharing and Protection Act

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

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

Terrorism Insurance (TRIA), H.R. 4871- TRIA Reform Act of 2014, S. 2244- Terrorism Risk Insurance Program Reauthorization Act of 2014, S. 2270- Insurance Capital Standards Clarifications Act of 2014, H.R. 4510- Insurance Capital Standards Clarification Act of 2014

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4510 / S. 2270, Insurance Capital Standards Clarification Act of 2014. Issues related to the Implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (Pub. L. 111-203), specifically as it applies to insurance regulation. Issues related to the systemic risk designation process. Issues related to the creation of the Federal Insurance Office.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Support H.R. 4510, the Insurance Capital Standards Clarification Act Support legislation that would allow the Federal Reserve Board the flexibility to apply insurance-based capital standards to insurance companies.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial Regulatory Reform Federal Reserve Supervision of Savings and Loan Holding Companies Federal Reserve Boards Rules to Implement Basel III Regulatory Capital Reforms Dodd-Frank Wall Street Reform and Consumer Protection Act in regards to: Systemic Risk Designation Capital Requirements for the Savings & Loan Holding Company and Federal Reserve Oversight as in the following bills: HR4510/S2270 - Insurance Capital Standards Clarification Act of 2014 MMF Reform Terrorism Risk Insurance Extension as in the following bills: HR508 - Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013 HR4871 - TRIA Reform Act of 2014 GSE Reform Asset Manager SIFI Designation as in the following bill: HR5180 - Financial Stability Oversight Council Improvement Act of 2014 Equity Market Structure

Client expense: $590,000 · Firm income: Not reported

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

National Association of Registered Agents and Brokers Reform Act of 2013 - H.R. 1064 / S. 534, all provisions Insurance Consumer Protection and Solvency Act of 2013 - H.R. 605, all provisions Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013 - H.R. 508, all provisions Terrorism Risk Insurance Program Reauthorization Act of 2013- H.R. 2146, all provisions Fostering Resilience to Terrorism Act of 2013 - H.R. 1945, all provisions Competitive Health Insurance Reform Act of 2013 - H.R. 911, all provisions Health Insurance Industry Fair Competition Act - H.R. 743, all provisions Health Insurance Industry Antitrust Enforcement Act of 2013 - H.R. 99, all provisions Competitive Health Insurance Act - H.R. 344, all provisions Issues related to the imposition of capital standards to non-banks Issues related to the implementation of Dodd-Frank Act (PL 111-203), the provision which may impact insurance regulation (House, Senate, Treasury), all provisions 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. 1369, all provisions Insurance Capital and Accounting Standards Act of 2014- H.R. 4510, all provisions Insurance Capital Standards Clarification Act of 2014, S. 2270, all provisions Terrorism Risk Insurance Program Reauthorization Act of 2014- S. 2244, all provisions TRIA Reform Act of 2014- H.R. 4871, all provisions H.R. 5461: To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes, all provisions S. Res. 561 / H. Res. 735 - Expressing the sense of Congress that recently proposed measures that will reduce transparency and public participation at the International Association of Insurance Supervisors (IAIS) should be disapproved by United States representatives to the IAIS, all provisions

Client expense: $350,000 · Firm income: Not reported

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

Public Law 111-203, H.R. 4173- Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions and Global Capital Standards. H.R. 508, Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013. Amends the Terrorism Risk Insurance Act of 2002 to extend the Terrorism Insurance Program until December 31, 2019 (under current law the Program expires on December 31, 2014). Issue: Terrorism Insurance H.R. 911, Competitive Health Insurance Reform Act of 201. Issue: McCarran-Ferguson Act Issues H.R. 2140, Insurance Capital and Accounting Standards Act of 2013. Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) and the Home Owners' Loan Act to make minimum leverage and risk-based capital requirements governing insurance companies under the state law also apply to insurance companies that are either depository holding companies or subsidiaries of depository holding companies. Issue: Capital Standards, Basel III H.R. 2374, the Retail Investor Protection Act. To amend the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. Issue: Fiduciary Duties S. 798, TBTF Act. Requires federal banking agencies to establish capital requirements for the ratio of equity capital to total consolidated assets for all financial institutions. Issue: Capital Standards S.2270/HR 4510, bill pertaining to insurance capital standards. Issue: Capital Standards for Insurers.

Client expense: $660,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Discussed Company and industry position on HR 4510 - The Insurance Capital Standards Clarification Act of 2014; tax reform matters

Client expense: $310,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1999 - Servicemembers Civil Relief Act (SCRA) Rights Protection Act of 2014 S. 1927 - Data Privacy and Security Act of 2014 H.R. 4068 - A bill to amend the SCRA S. 1995 - Personal Data Protection and Breach Accountability Act of 2014 Dodd-Frank Consumer Protection and Wall Street Reform Act implementation, including, but not limited to, interchange fees, brokered deposits, Volcker Rule, mortgage reforms, credit and debit products, consumer disclosures and capital standards. H.R. 749 - The Eliminate Privacy Notice Confusion Act S. 1217 - The Housing Finance Reform and Taxpayer Protection Act S. 635 - The Privacy Notice Modernization Act of 2013 H.R. 4510 - The Insurance Capital Standards Clarification Act of 2014 S. 2270 - A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. The following additional agency was contacted in connection with this issue code: the Consumer Financial Protection Bureau (CFPB).

Client expense: $760,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of

Biggert-Waters Flood Insurance Reform Act and the Homeowners Flood Insurance Affordability Act implementation. H.R. 4669 - The Servicemembers Insurance Relief Act of 2014 H.R. 1101 - The Homeowners and Taxpayers Protection Act of 2013 H.R. 737 - The Homeowners' Defense Act of 2013 H.R. 549 - The Homeowner Catastrophe Protection Act of 2013 H.R. 453 and S. 93 - The Investment Savings Access After Catastrophes Act of 2013 H.R. 508 - The TRIA Reauthorization Act of 2013 H.R. 1155 and S. 534 - The National Association of Registered Agents and Brokers Reform Act of 2013 H.R. 468 - The Federal Life Insurance Transparency Act 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. H.R. 1878 and S. 924 - The Safe Building Code Incentive Act of 2013 S. 2224 - The Terrorism Risk Insurance Reauthorization Act of 2014 H.R. 4510 - Insurance Capital Standards Clarification Act of 2014 S. 2270 - A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 5461 - To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act The following additional agency was contacted in connection with this issue code: the Federal Insurance Office (FIO).

Client expense: $760,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of

Dodd-Frank Consumer Protection and Wall Street Reform Act implementation, including, but not limited to, interchange fees, brokered deposits, Volcker Rule, mortgage reforms, credit and debit products, consumer disclosures and capital standards. H.R. 749 - The Eliminate Privacy Notice Confusion Act S. 635 - The Privacy Notice Modernization Act of 2013 H.R. 2767 - The Protecting American Taxpayers and Homeowners Act of 2013 H.R. 789 - The Build America Bonds Act of 2013 S. 1217 - The Housing Finance Reform and Taxpayer Protection Act H.R. 4510 - The Insurance Capital Standards Clarification Act of 2014 S. 2270 - A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. H.R. 5461 - To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. The following additional agency was contacted in connection with this issue code: the Consumer Financial Protection Bureau (CFPB).

Client expense: $760,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of