SAFE Act Confidentiality and Privilege Enhancement Act

National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.

Client expense: $520,000 · Firm income: Not reported

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

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.Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA 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. 3770, Inspector General Act H.R. 4042, Community Bank Mortgage Servicing Asset Capital Requirements Study Act, all provisions H.R. 4167, the Restoring Proven Financing for American Employers Act 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, the Insurance Capital Standards Clarification Act of 2014 H.R. 5758, Financial Institutions Customer Protection Act of 2014 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 provisionsS. 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. 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

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

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

Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit union's field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); 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. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUA's fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUA's advertising requirements; CFPB's Qualified Mortgage rule; Points and Fees relative to CFPB's Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPB's consumer complaint database narrative; CFPB's implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPB's request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPB's proposed changes to Regulation P regarding annual privacy notices; CFPB's request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve System's notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFA's strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFA's proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defense's proposed changes to the regulations implementing the Military Lending Act; NCUA's request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of "Rural District"; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUA's proposed rule for asset securitization; NCUA's 2014 mid-year budget review; NCUA's 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); 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. 5461).

Client expense: $620,000 · Firm income: Not reported

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