Access to Affordable Mortgages Act of 2014

HR 688 Credit Union Small Business Job Creation Act of 2013 HR 719 Capital Access for Small Businesses and Jobs Act HR 749 Eliminate Privacy Notice Confusion Act HR 797 Municipal Adviser Oversight Improvement Act of 2013HR 801 The Holding Company Restriction Threshold Equalization Act HR 892 The S Corporation Modernization Act HR 1062 SEC Regulatory Accountability Act HR 1603 The Mutual Community Bank Competitive Equality Act HR 1750 The Community Lending Enhancement and Regulatory Relief Act HR 2199 Flood Insurance HR 2402 The Consumer Financial Protection Commission Act HR 2446 The Responsible Consumer Financial Protection Regulations Act HR 2542 The Regulatory Flexibility Improvements Act of 2013 HR 2672 The CFPB Rural Designation Petition and Correction Act HR 2673 The Portfolio Lending and Mortgage Access Act of 2013 HR 3193 The Consumer Financial Protection Safety and Soundness Improvement Act HR 3329 To Enhance the Ability of Community Financial Institutions to Foster Economic Growth HR 4042 Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014 HR 4252 Mutual Bank Choice and Continuity Act of 2014 HR 4466 Financial Regulatory Clarity Act HR 4521 Community Institution Mortgage Relief Act HR 4986 End Operation Choke Point Act of 2014 HR 5148 Access to Affordable Mortgages Act of 2014 HR 5199 Municipal Bond Market Support Act of 2014 HR 5405 Promoting Job Creation and Reducing Small Business Burdens Act of 2014 HR 5461 Dodd Frank Reforms HR 5758 Financial Institutions Consumer Protection Act of 2014 HR 5786 Small Financial Institutions Regulatory Relief Act of 2014 S 635 Privacy Notice Modernization Act S 727 The Financial Institutions Examination Fairness and Reform Act S 1349 The Community Lending Enhancement and Regulatory Relief Act S 1916 HELP Rural Communities Act of 2014 S 1927 Data Secuity Act of 2014 S 2244 Amendment 3550 to the Terrorism Risk Insurance Program Reauthoriation Act of 2014 S 2588 Cybersecurity Information Sharing Act of 2014 S 2732 The CFPB Examination and Reporting Threshhold Act of 2014 S 2937 NY Federal Reserve Bank Access to Capital for Community Banks Call Report Burden Capital Requirements/Regulations/Basel III Rules/Treatment of Mortgage Servicing Assets CFPB Reforms Credit Union Business Lending Powers Credit Union IOLTAs Credit Union Tax Exemption Cybersecurity Data Security and Breaches DeNovo Bank Applications Department of Justice Operation Chokepoint Federal Reserve Vacancy FHFA - FHLB Membership Rules Flood Insurance Reform Implementation of Bigger-Waters Act Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Housing Government Sponsored Enterprises Military Lending ActMortgage Escrow Requirements Mortgage Lending Reform Mortgage Servicing Standards National Flood Insurance Program Nomination of Antonio Weiss for Treasury Undersecretary for Domestic Finance Overdraft Protection Patent Litigation Reform Patent Trolling/Demand Letters Qualified Mortgages, Ability to Repay Rules Qualified Residential Mortgages/Risk Retention Regulation Z Establishment of Escrow - Higher Priced Loans Regulatory and Tax Relief for Community Banks Tila/RESPA Final Rule Implementation Virtual Currency - CFPB

Client expense: $1,250,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Farm Credit Administration, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA)

HR 2673 Portfolio Lending and Mortgage Access Act HR 2767 Protecting American Taxpayers and Homeowners Act HR 4521 Community Institution Mortgage Relief Act HR 5148 Access to Affordable Mortgages Act of 2014S 1217 Housing Finance Reform and Taxpayer Protection Act of 2013 (GSE Reform) S 2438 Transportation, HUD and Related Agencies Appropriations Act--Proposed FHA Lender Fee Escrow Requirements for Higher-priced Mortgage Loans Federal Home Loan Banks Federal Housing Administration FHFA Proposed Single Security Structure Home Mortgage Disclosure Act (HMDA) Housing Finance Reform Housing GSE Affordable Housing Trust Fund Housing GSE Capital Retention Qualified Mortgages Qualified Residential Mortgages Rural Housing Appraisals

Client expense: $1,250,000 · Firm income: Not reported

Please see addendum.Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs proposed rule on credit union service organizations Issues related to NCUAs rule on net worth and bargain purchase agreements Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs proposed rule regarding loan participations Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to derivatives and NCUAs proposed rule related to credit union use of derivatives Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues related to NCUAs Minority Depository Institution program Issues relating to home-based credit unions Issues related to NCUAs Appraisal Management Company proposal Issues related to NCUAs risk-based capital proposal Issues related to the Johnson-Crapo Housing Finance Reform proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to Ginnie Mae capital Issues related to the nomination of J. Mark McWatters to be a member of the National Credit Union Administration Board Issues related to a discussion draft of legislation entitled, The Bureau Guidance Transparency Act Issues related to a discussion draft of legislation entitled, Preventing Regulatory Abuse Act of 2014 Issues related to a discussion draft of legislation entitled, Bureau Examination Fairness Act Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System.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

21st Century Glass-Steagall Act of 2013 (S. 1282) HR 5018, Federal Reserve Accountability and Transparency Act. HR 4986, "End Operation Choke Point Act of 2014" HR 5016, "Financial Services and General Government Appropriations Act, 2015" HR 3913 HR 5037, "The Office of Financial Research Accountability Act of 2014" hr 5148, "The Access To Affordable Mortgages Act of 2014" HR 4042, "Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014" HR 5405, "Promoting Job Creation and Reducing Small Business Burdens Act" HR 4510, "The Insurance Capital Standards Act of 2014" HR 4, Jobs for America Act H.R.5130/S.673, Protecting Consumers from Unreasonable Credit Rates Act

Client expense: $228,758 · Firm income: Not reported

HR 2673 Portfolio Lending and Mortgage Access Act HR 2767 Protecting American Taxpayers and Homeowners Act HR 4521 Community Institution Mortgage Relief Act HR 5148 Access to Affordable Mortgages Act of 2014S 1217 Housing Finance Reform and Taxpayer Protection Act of 2013 (GSE Reform) Escrow Requirements for Higher-priced Mortgage Loans Federal Home Loan Banks Housing Finance Reform Qualified Mortgages Qualified Residential Mortgages Rural Housing Appraisals

Client expense: $880,000 · Firm income: Not reported

HR 688 Credit Union Small Business Job Creation Act of 2013 HR 719 Capital Access for Small Businesses and Jobs Act HR 749 Eliminate Privacy Notice Confusion Act HR 797 Municipal Adviser Oversight Improvement Act of 2013HR 801 The Holding Company Restriction Threshold Equalization Act HR 892 The S Corporation Modernization Act HR 1062 SEC Regulatory Accountability Act HR 1603 The Mutual Community Bank Competitive Equality Act HR 1750 The Community Lending Enhancement and Regulatory Relief Act HR 2199 Flood Insurance HR 2266 The Subsidy Reserve Act (All provisions) HR 2402 The Consumer Financial Protection Commission Act HR 2446 The Responsible Consumer Financial Protection Regulations Act HR 2542 The Regulatory Flexibility Improvements Act of 2013 HR 2672 The CFPB Rural Designation Petition and Correction Act HR 2673 The Portfolio Lending and Mortgage Access Act of 2013 HR 3193 The Consumer Financial Protection Safety and Soundness Improvement Act HR 3329 To Enhance the Ability of Community Financial Institutions to Foster Economic Growth HR 3389 CFPB Slush Fund Elimination Act of 2013 HR 3474 Expiring Provisions Improvement Act HR 4042 Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014 HR 4167 Restoring Proven Financing for American Employers Act HR 4252 Mutual Bank Choice and Continuity Act of 2014 HR 4383 Bureau of Consumer Financial Protection Small Business Advisory Board Act (All provisions) HR 4466 Financial Regulatory Clarity Act HR 4521 Community Institution Mortgage Relief Act HR4662 The Bureau Advisory Opinion Act HR 4986 End Operation Choke Point Act of 2014 HR 5148 Access to Affordable Mortgages Act of 2014 HR 5405 Promoting Job Creation and Reducing Small Business Burdens Act of 2014 HR 5461 Dodd Frank Reforms S 635 Privacy Notice Modernization Act S 727 The Financial Institutions Examination Fairness and Reform Act S 1217 Housing Finance Reform and Taxpayer Protection Act S 1349 The Community Lending Enhancement and Regulatory Relief Act S 1916 HELP Rural Communities Act of 2014 S 1927 Data Secuity Act of 2014 S 2244 Amendment 3550 to the Terrorism Risk Insurance Program Reauthoriation Act of 2014 S 2252 Community Bank Preservation Act S 2588 Cybersecurity Information Sharing Act of 2014 S 2732 The CFPB Examination and Reporting Threshhold Act of 2014 Access to Capital for Community Banks Call Report Changes Capital Requirements/Regulations/Basel III Rules CFPB eRegulations Tool CFPB Reforms Credit Union Business Lending Powers Credit Union Tax Exemption Cybersecurity Data Security and Breaches DeNovo Bank Applications Department of Justice Operation Chokepoint Federal Reserve Vacancy Flood Insurance Reform Implementation of Bigger-Waters Act Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Housing Government Sponsored EnterprisesMortgage Escrow Requirements Mortgage Lending Reform Mortgage Loan Origination Standards Mortgage Servicing Standards National Flood Insurance Program Patent Litigation Reform Patent Trolling/Demand Letters Qualified Mortgages, Ability to Repay Rules Qualified Residential Mortgages/Risk Retention Regulation Z Establishment of Escrow - Higher Priced Loans Regulatory and Tax Relief for Community Banks TILA/RESPA Final Rule Implementation Virtual Currency - CFPB

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

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

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