Regional Financial Relief Act of 2014

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

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

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

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

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

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

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

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

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

Client expense: $600,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 4060, Systemic Risk Designation Improvement Act of 2014 (all provisions). HR 2767, Protecting American Taxpayers and Homeowners Act of 2013 (PATH Act) (all provisions). S. 1217, Housing Finance Reform and Taxpayer Protection Act (all provisions) and revised GSE/housing finance reform legislation.Issues related to government sponsored enterprise (GSE) and housing reforms initiatives. HR 2673, Portfolio Lending and Mortgage Access Act (all provisions). HR 4532, to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision (all provisions). HR 4167, Restoring Proven Financing for American Employers Act (all provisions). HR 4787, Regional Financial Relief Act of 2014 (all provisions). HR 4788, Relief for America's Main Street Lenders Act (all provisions). HR 3770, CFPB-IG Act of 2013 (all provisions). S. 1349, CLEAR Relief Act of 2013 (all provisions). Issues related to Too Big To Fail (TBTF), systemic risk and systemically important financial institution (SIFI) designations, and regulatory relief (no specific bill). Issues related to Export Import Bank reauthorization (no specific bill). Issues related to Department of Education proposed rule making (Title IV student aid funds), related to university/college students' campus accounts (no specific bill). Issues related to deposit advance products and use, new product development, operation choke point, mobile payments and non-banking entities providing banking products (no specific bill). Issues related to housing and lending, mortgage lending, qualified mortgages, qualified residential mortgages, TILA RESPA, small business lending, online lending, student loans, and auto lending (no specific bill). Issues related to bank fees, card fees and rate caps (no specific bill). Issues related to credit card interchange and debit card interchange (Senator Durbin amendment, electronic debit card transactions) (no specific bill). Issues related to regulatory implementation, Volcker rule, CCAR, liquidity coverage ratio (LCR) and Basel (no specific bill). Issues related to regulatory processes, systems and structures, general discussions (no specific bill). H.R. 4173 (111th Congress, P.L. 111-203): Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act); regulatory implementation discussions covering rules and regulations, including discussions with the Consumer Financial Protection Bureau (for which there is no CFPB listing on Line 17 available), on structure, regulatory implementation, oversight, process, enforcement and compliant handling. General discussions covering the Dodd-Frank Act and provisions (Act repeal, amending and technical fixes), Volcker rule, Financial Stability Oversight Council, Office of Financial Research, systemically important financial institutions designations, prudential regulations, mortgage regulations (qualified mortgages, qualified residential mortgages), corporate governance, enhanced prudential standards (165/166), stress testing, capital planning, living will, remittance, 716, push-out, Title VII (swaps/derivatives), Title II, section 1071, overdraft, pre-paid cards, examinations and other banking and financial services related provisions. S. 1927, Data Security Act of 2014 (all provisions). S. 2519, National Cybersecurity and Communications Integration Center Act of 2014 (all provisions). HR 624, Cyber Intelligence Sharing and Protection Act (all provisions). Issues related to cyber-security, data breach and privacy, protecting consumer information, general discussions, as related to financial services and banking (no specific bill).