Promoting Job Creation and Reducing Small Business Burdens Act

SEC issues, JOBS implementation and related issues, H.R. 4571 and H.R. 5405, provisions related to SEC Rule 701

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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. 451, the Dodd-Frank Wall Street Reform and Consumer Protection Technical Corrections Act of 2013 (all provisions) S. 673, the Protecting Consumers from Unreasonable Credit Rates Act of 2013 (all provisions to set an interest rate and fee cap of 36 percent for consumer credit transactions) H.R. 688, the Credit Union Small Business Jobs Creation Act (all provisions) H.R. 1261, the Overdraft Protection Act of 2013 (all provisions) H.R. 3468, a bill to amend the Federal Credit Union Act to extend insurance coverage to amounts held in a member account on behalf of another person, and for other purposes H.R. 4252, Mutual Bank Choice and Continuity 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. H.R. 4060, Systemic Risk Designation Improvement Act of 2014 H.R. 4042, Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014 S. 1916, HELP Rural Communities Act of 2014 S. 1903, Prepaid Card Disclosure Act of 2014 S. 2641, a bill to amend the Truth in Lending Act to provide that residential mortgage loans held in portfolio qualify as qualified mortgages for purposes of the presumption of the ability to repay requirements under such Act, and for other purposes. S. 2697, a bill to amend the Truth in Lending Act to clarify the application of the qualified mortgage rule to rural lenders, and for other purposes. H.R. 3211, The Mortgage Choice Act H.R. 5405, to make technical corrections to the Dodd-Frank Act; to enhance the ability of small companies to access capital through public and private markets; to reduce regulatory burdens, and more. H.R. 5461, The Barr-Miller bill - to clarify the application of certain leverage and risk-based requirements under DFA and Consumer Protection Act, and for other purposes.

Client expense: $2,418,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Loans for component suppliers PL 111-203: Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 634: Business Risk Mitigation and Price Stabilization Act of 2013 H.R. 677: Inter-Affiliate Swap Clarification ActHR. 6125: To amend the Federal Deposit Insurance Act and the Federal Credit Union Act with respect to privilege of information S.888 - A bill to provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934. H.R. 4413 The Customer Protection and End-User Relief Act of 2014 H.R. 5062 - Examination and Supervisory Privilege Parity Act of 2014 H.R. 749 - Eliminate Privacy Notice Confusion Act 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. 4811 - Bureau Guidance Transparency Act H.R.5403 - Reforming CFPB Indirect Auto Financing Guidance Act S. 2976 - Derivatives End-Users Clarification Act S. 2244 - Terrorism Risk Insurance Program Reauthorization Act of 2014

Client expense: $1,033,681 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Energy, Dept of, Environmental Protection Agency (EPA), Export-Import Bank of the United States (EXIM Bank), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Surface Transportation Board (STB), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

PL 111-203: Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 634: Business Risk Mitigation and Price Stabilization Act of 2013 H.R. 677: Inter-Affiliate Swap Clarification Act S. 888 A Bill to provide end-user exemptions from certain provisions of the commodity exchange Act & the Security Exchange ActH.R. 4413 The Customer Protection and End-User Relief Act of 2014 H.R. 5062 - Examination and Supervisory Privilege Parity Act of 2014 H.R. 749 - Eliminate Privacy Notice Confusion Act 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. 4811 - Bureau Guidance Transparency Act H.R.5403 - Reforming CFPB Indirect Auto Financing Guidance Act S. 2976 - Derivatives End-Users Clarification Act S. 2244 - Terrorism Risk Insurance Program Reauthorization Act of 2014

Client expense: $1,033,681 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Energy, Dept of, Environmental Protection Agency (EPA), Export-Import Bank of the United States (EXIM Bank), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Surface Transportation Board (STB), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

H.R. 634, Business Risk Mitigation and Price Stabilization Act of 2013; all provisions H.R. 4413, Customer Protection and End User Relief Act; all provisions H.R. 5405, Promoting Job Creation and Reducing Small Business Burdens Act; provisions relating to margin and centralized treasury unitH.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; all provisions S. 888, A bill to provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934; provisions relating to derivatives end-user exemptions S. 2244, Terrorism Risk Insurance Program Reauthorization Act of 2014; provisions relating to providing derivatives end-users exemptions Issues relating to proxy advisory firms Issues relating to shareholder communications Issues relating to the Securities and Exchange Commissions proposed CEO Pay Ratio rule Issues relating to Securities and Exchange Commissions disclosure effectiveness project

Client expense: $4,300,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

HR 4060, Systemic Risk Designation Improvement Act of 2014 (all provisions). HR 992, Swaps Regulatory Improvement Act (all provisions). HR 5405, Promoting Job Creation and Reducing Small Business Burdens Act (all provisions). HR 5016, Financial Services and General Government Appropriations Act, 2015 (all provisions). HR 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). HR 5421, Financial Institution Bankruptcy Act of 2014 (all provisions). HR 83, Consolidated and Further Continuing Appropriations Act, 2015 (provisions related to swaps push-out and banking). Draft legislation that amends the Financial Stability Act of 2010 to specify when bank holding companies may be subject to certain enhanced supervision and prudential standards, and for other purposes (no specific bill). General discussions related to employment and re-employment programs (NextJob program), unemployment insurance and covering a draft proposal (Unemployment Insurance Jumpstart Program) (no specific bill). Issues related to bank fees, card fees and rate caps, and credit card interchange and debit card interchange (Senator Durbin amendment, electronic debit card transactions) (no specific bill). General discussions and issues related to policy development, legislative and regulatory implementation, process, systems and structures, general discussions and issues related to product new development, Volcker rule, CCAR and capital planning, resolution planning and stress test, living wills, bank liquidity (LCR), CLO, end user margins, point/fees and Basel, SIFI designation, corporate governance and general banking matters (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. Issues related to cyber-security, data breach and privacy, protecting consumer information, general discussions (no specific bill).

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

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE

Legislatiion affecting the regulaton of financial services; H.R. 1105 the Small Business Access to Capital Act; HR - The Jobs for America Act; H.R. 5405 - The Promoting Jobs Creation an Reducing Small Buisness Burdens Act. Seeking modifications and amendments for middle market businesses access to capital within Volcker Rule.

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

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

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 4383 Bureau of Consumer Financial Protection Small Business Advisory Act HR 5405 Promoting Job Creation and Reducing Small Business Burdens Act of 2014 HR 5599 Small Business Loan Simplification Act Changes to SBA 7(a) ProgramMeasures to Promote and Support Small Business Lending Small Business Lending Fund

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)

Complexity in financial reporting; Auditor liability; SEC's interpretive guidance; Accounting Standards (FASB&IASB); Convergence/International Financial Reporting Standards; Dodd-Frank Act; Hedge Accounting; Repeal of Last-In, First-Out (LIFO) accounting method; Money Market Funds Reform; -The Volcker Rule H.R.677, S.888, The Inter-Affiliate Swap Clarification Act; H.R.634 and S.888 The Business Risk Mitigation and Price Stabilization Act H.R.4413 CFTC Reauthorization Legislation, S.2244 Terrorism Risk Insurance Program Reauthorization Act H.R. 5405 Promoting Job Creation and Reducing Small Business Burdens Act

Client expense: $109,613 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 5405, the "Promoting Job Creation and Reducing Small Business Burdens Act," legislation providing technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act to enhance the ability of small and emerging growth companies to access capital through public and private markets and to reduce regulatory burdens; entire bill. "Regulatory Capital Rules: Regulatory Capital, Implementation of Basel III, Capital Adequacy, Transition Provisions, Prompt Corrective Action, Standardized Approach for Riskweighted Assets, Market Discipline and Disclosure Requirements, Advanced Approaches Risk-Based Capital Rule, and Market Risk Capital Rule," Final Rule and related Quantitative Impact Study regarding insurance companies and Federal Reserve-regulated entities engaged in insurance underwriting; RIN 7100-AD87; October 11, 2013; 78 Fed. Reg. 62,018. General education concerning efforts to improve transparency of the Financial Stability Oversight Council and its processes regarding designations of Systemically Important Financial Institutions.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 634 (Business Risk Mitigation and Price Stabilization Act); H.R. 677 (Inter-Affiliate Swap Classification Act); H.R. 742 (Swap Data Repository and Clearinghouse Indemnification Correction Act of 2013); H.R. 992 (Swaps Regulatory Improvement Act);H.R. 1003 (To improve consideration by the Commodity Futures Trading Commission of the costs and benefits of its regulations and orders); H.R. 1038 (Public Power Risk Management Act of 2013); H.R. 1256 (Swaps Jurisdiction Certainty Act); H.R. 4413 (The Customer Protection and End-User Relief Act); H.R. 5016 (Financial Services and General Government Appropriations Act, 2015); 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); S. 474 (Swaps Regulatory Improvement Act); Dodd-Frank Wall Street Reform and Consumer Protection Act Implementation (Regulatory rulemaking regarding swap dealer capital requirements and margin segregation); Regulation of over-the-counter (OTC) derivatives (standardization of derivatives - all aspects including exchange trading, clearing, and reporting requirements); Commodity pool operators amendments; Commodity Exchange Act (CEA) Reauthorization; Core Principles and Other Requirements for Swap Execution Facilities (SEF Final Rule); Cross-border Guidance and Exemptive Order; Banks in physical commodity markets; Make available to trade determination for Swap Execution Facilities (SEFs); Position limits; Jumpstart Our Business Startups (JOBS) Act implementation; IHS Global report on the Role of Banks in Physical Commodities; Concept Release on Risk Controls and System Safeguards for Automated Trading Environments; The Volcker Rule; Block trades; Insurance-linked securities; Transaction-Level Requirements in Certain Cross-Border Situations (CFTC letters Nos. 13-17 and 14-01); CFTC Regulation 1.35; Block trades on swap execution facilities (SEFs); Liquidity coverage ratio (LCR) as it relates to commodities; CFTC nominees; Commodities (general); Highway Trust Fund legislation; CFTC no action relief for packaged trades; Security based swaps rules under Title VII; Dodd-Frank Title VII.

Client expense: $1,790,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Ginnie Mae, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Security Council (NSC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

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

Government targets: Bureau of the Census, Education, Dept of, Executive Office of the President (EOP), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), SENATE, Transportation, Dept of (DOT), Treasury, Dept of

Sarbanes Oxley Section 404 (b) Mandatory Audit Firm Rotation H.R. 1564/S. 1526: The Audit Integrity and Job Protection ActCapital Formation Investment Incentives Reform of Capital Gains Rules Reform of Net Operating Loss Rules Reform of Passive Loss Rules S. 1658: The Start-up Jobs and Innovation Act H.R. 4855: The PARTNER Act S.2715: The COMPETE Act Expansion of Exemption under SEC Regulation A H.R. 4565: Startup Capital Modernization Act Proposed SEC Rule on Reg A+ Legislative Amendments to SEC Rule 12b-2 Filing Status Definitions H.R. 2629: The Fostering Innovation Act XBRL Exemption for Small Public Companies H.R. 4164: Small Company Disclosure Simplification Act H.R. 5405: The Promoting Job Creation and Reducing Small Business Burdens Act Stock Exchange Tick Size H.R. 3448: The Small Cap Liquidity Reform Act H.R. 1952: The Spread Pricing Liquidity Act Capital Market Enhancements H.R. 3623: Improving Access to Capital for Emerging Growth Companies Act H.R. 4568: Small Business Freedom to Grow Act H.R. 4569: Disclosure Modernization and Simplification Act H.R. 4571: To direct the SEC to revise its rules so as to increase the threshold amount for requiring issuers to provide certain disclosures relating to compensatory benefits plans H.R. 4697: To require the SEC to revise the definition of a WKSI to reduce the worldwide market value threshold under the definition

Client expense: $2,090,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Environmental Protection Agency (EPA), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health Resources & Services Administration (HRSA), Natl Security Council (NSC), Office of Management & Budget (OMB), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), U.S. Trade Representative (USTR)

S. 1861; S. 474; H.R. 634, 677, 992, 1062, 1003, 1256, 1341; S.798, 1282, 985, 1369, H.R. 129, 2374; H. R. 391; H.R. 4167; H.R.3623; S. 2124; H.R. 4413; H.R. 5016, 4800 (implementation of and potential modification of the Dodd-Frank Act only); H.R. 5421; H.R. 5461; H.R. 5405 - Discussed implementation of the Basel capital accord, including the Liquidity Coverage Ratio (LCR). Discussed commodities issues; CFTC re-authorization; SEC and equity market structure reform; rulemakings on the fiduciary standard for broker-dealers and investment advisers; proposals related to bank structure, capital requirements, capital formation and market structure; discussed issues related to financial institution bankruptcy reform.

Client expense: $1,590,000 · 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, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 450, Bureau of Consumer Financial Protection Accountability Act H.R. 605, Insurance Consumer Protection and Solvency Act of 2013 H.R. 634, Business Risk Mitigation and Price Stabilization Act of 2013 H.R. 677, Inter-Affiliate Swap Clarification Act H.R. 742, Swap Data Repository and Clearinghouse Indemnification Correction Act of 2013 H.R. 992 / S. 474, Swaps Regulatory Improvement Act H.R. 1038, Public Power Risk Management Act of 2013 H.R. 1062, SEC Regulatory Accountability Act H.R. 1105, Small Business Capital Access and Job Preservation Act H.R. 1106 / S. 550, Small Business Investment Company Modernization Act of 2013 H.R. 1135, Burdensome Data Collection Relief Act H.R. 1221 / S. 737, Basel III Capital Impact Study Act H.R. 1256, Swap Jurisdiction Certainty Act H.R. 1341, Financial Competitive Act of 2013 H.R. 1564 / S. 1526, Audit Integrity and Jobs Protection Act H.R. 1800, Small Business Credit Availability Act H.R. 2122 / S. 1029, Regulatory Accountability Act of 2013 H.R. 2140, Insurance Capital and Accounting Standards Act of 2013 H.R. 2274, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2013 H.R. 2374, Retail Investor Protection Act H.R. 2446, Responsible Consumer Financial Protection Regulations Act of 2013 H.R. 2546 / S. 1257, Protect American Investments Act of 2013 H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 H.R. 3193, Consumer Financial Protection Safety and Soundness Improvement Act of 2013 H.R. 3211, Mortgage Choice Act of 2013 H.R. 3448, Small Cap Liquidity Reform Act of 2014 H.R. 3519, Bureau of Consumer Financial Protection Accountability and Transparency Act of 2013 H.R. 3623, Improving Access to Capital for Emerging Growth Companies Act H.R. 3701, U.S. Financial Services Global Viability Act H.R. 3770, Bureau of Consumer Financial Protection-Inspector General Reform Act of 2013 H.R. 3819 / S. 1907, Fairness for Community Job Creators Act H.R. 3928, Federal Reserve Accountability and Transparency Act of 2014 H.R. 4164, Small Company Disclosure Simplification Act H.R. 4167, Restoring Proven Financing for American Employers Act H.R. 4200, SBIC Advisers Relief Act of 2014 H.R. 4383, Bureau of Consumer Financial Protection Small Business Advisory Board Act H.R. 4387, FSOC Transparency and Accountability Act H.R. 4413, Customer Protection and End User Relief Act H.R. 4466, Financial Regulatory Clarity Act of 2014 H.R. 4510 / S. 2270, Insurance Capital Standards Clarification Act of 2014 H.R. 4554, Restricted Securities Relief Act of 2014 H.R. 4565, Startup Capital Modernization Act of 2014 H.R. 4568, Small Business Freedom to Grow Act of 2014 H.R. 4569, Disclosure Modernization and Simplification Act of 2014 H.R. 4570, Private Placement Improvement Act of 2014 H.R. 4571, To direct the Securities and Exchange Commission to revise its rules so as to increase the threshold amount for requiring issuers to provide certain disclosures relating to compensatory benefit plans H.R. 4604, CFPB Data Collection Security Act H.R. 4662, Bureau Advisory Opinion Act H.R. 4684, Bureau Guidance Transparency Act H.R. 4697, Small-Cap Access to Capital Act H.R. 4804, Bureau Examination Fairness Act H.R. 4811, Bureau Guidance Transparency Act H.R. 4842, Business Supply Chain Transparency on Trafficking and Slavery Act of 2014 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 S. 635, Privacy Notice Modernization Act of 2013 S. 888, A bill to provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934 S. 1217, Housing Finance Reform and Taxpayer Protection Act of 2013 S. 1369, A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes S. 2244, Terrorism Risk Insurance Program Reauthorization Act of 2014 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 the Private Securites Litigation Reform Act (P.L. 104-67), securities litigation; implementation of Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203), including proposals to alter the derivatives provisions; Moving Ahead for Progress in the 21st Century Act (P.L. 112-140), including Sec. 40312, issues related to pension fund stabilization; implementation of the Jumpstart our Business Startups Act (P.L. 112-106); Consumer Financial Protection Bureau reform; Securities and Exchange Commission reform; Financial Stability Oversight Council (FSOC) reform; Department of Labor definition of fiduciary duty rules; international capital standards for non-banks; systemic risk regulations for non-bank financial companies; financial reporting policies reform; proposed regulation of money market mutual funds; proposed Volcker Rule, trust preferred bonds and collateralized loan obligations; proposed risk retention rules and the collateralized loan obligations market; Commodity Futures Trading Commission's derivatives regulations; amendments to Rule 701 under the Securities Act of 1933; Basel III capital standards; reconciliation of merchant card and third-party payments; political spending disclosures; transparent financial reporting; Federal Reserve Boards review of 2003 determination that certain commodity activities are complementary to financial activities and thus permissible for bank holding companies; reducing barriers to capital formation; capital requirements and systemically important financial institutions; oversight of proxy advisory firms; credit risk retention rules

Client expense: $28,350,000 · 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), 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

Legislation affecting the regulation of financial services; HR 1105 - the Small Business Capital Access and Job Preservation Act; S 1923/HR 2274 - the Small Business Mergers, Acquisitions, Sales and Brokerage Simplification Act; Dodd-Frank Act & JOBS Act regulations impacting private equity firms and M&A Brokers; HR 4 - Jobs for America Act; HR 5405 - The Promoting Job Creation and Reducing Small Business Burdens Act. Seeking modifications and amendments for middle market businesses access to capital within Volcker Rule.

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

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

PL 111-203: Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 634: Business Risk Mitigation and Price Stabilization Act of 2013 H.R. 677: Inter-Affiliate Swap Clarification Act S. 888 A Bill to provide end-user exemptions from certain provisions of the commodity exchange Act & the Security Exchange ActH.R. 4413 The Customer Protection and End-User Relief Act of 2014 H.R. 5062 - Examination and Supervisory Privilege Parity Act of 2014 H.R. 749 - Eliminate Privacy Notice Confusion Act 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. 4811 - Bureau Guidance Transparency Act H.R.5403 - Reforming CFPB Indirect Auto Financing Guidance Act

Client expense: $1,092,665 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Energy, Dept of, Environmental Protection Agency (EPA), Export-Import Bank of the United States (EXIM Bank), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Surface Transportation Board (STB), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Loans for component suppliers PL 111-203: Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 634: Business Risk Mitigation and Price Stabilization Act of 2013 H.R. 677: Inter-Affiliate Swap Clarification ActHR. 6125: To amend the Federal Deposit Insurance Act and the Federal Credit Union Act with respect to privilege of information S.888 - A bill to provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934. H.R. 4413 The Customer Protection and End-User Relief Act of 2014 H.R. 5062 - Examination and Supervisory Privilege Parity Act of 2014 H.R. 749 - Eliminate Privacy Notice Confusion Act 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. 4811 - Bureau Guidance Transparency Act H.R.5403 - Reforming CFPB Indirect Auto Financing Guidance Act

Client expense: $1,092,665 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Energy, Dept of, Environmental Protection Agency (EPA), Export-Import Bank of the United States (EXIM Bank), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Surface Transportation Board (STB), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

See addendum.S. 451, the Dodd-Frank Wall Street Reform and Consumer Protection Technical Corrections Act of 2013 (all provisions) S. 673, the Protecting Consumers from Unreasonable Credit Rates Act of 2013 (all provisions to set an interest rate and fee cap of 36 percent for consumer credit transactions) H.R. 688, the Credit Union Small Business Jobs Creation Act (all provisions) H.R. 1261, the Overdraft Protection 5 Act of 2013 (all provisions) H.R. 3468, a bill to amend the Federal Credit Union Act to extend insurance coverage to amounts held in a member account on behalf of another person, and for other purposes. H.R. 4252, Mutual Bank Choice and Continuity 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. H.R. 4060, Systemic Risk Designation Improvement Act of 2014 H.R. 4042, Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014 S. 1916, HELP Rural Communities Act of 2014 S. 1903, Prepaid Card Disclosure Act of 2014 S. 2641, a bill to amend the Truth in Lending Act to provide that residential mortgage loans held in portfolio qualify as qualified mortgages for purposes of the presumption of the ability to repay requirements under such Act, and for other purposes. S. 2697, a bill to amend the Truth in Lending Act to clarify the application of the qualified mortgage rule to rural lenders, and for other purposes. H.R. 3211, the Mortgage Choice Act H.R. 5405, to make technical corrections to the Dodd-Frank Act; to enhance the ability of small companies to access capital through public and private markets; to reduce regulatory burdens, and more. H.R. 5461, the Barr-Miller bill to clarify the application of certain leverage and risk-based requirements under DFA and Consumer Protection Act, and for other purposes.

Client expense: $2,560,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

HR 4383 Bureau of Consumer Financial Protection Small Business Advisory Act HR 5405 Promoting Job Creation and Reducing Small Business Burdens Act of 2014 HR 5599 Small Business Loan Simplification Act Changes to SBA 7(a) ProgramMeasures to Promote and Support Small Business Lending Nomination of Maria Contreras-Sweet as Administrator of the Small Business Administration Small Business Lending Fund

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

Government targets: 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 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

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

Government targets: 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 4060, Systemic Risk Designation Improvement Act of 2014 (all provisions). HR 3770, CFPB-IG Act of 2013 (all provisions). HR 634, the Business Mitigation and Price Stabilization Act (all provisions).HR 3211, the Mortgage Choice Act (all provisions). HR 4167, Restoring Proven Financing for American Employers Act (all provisions). HR 4719, America Gives More Act (all provisions). HR 992, Swaps Regulatory Improvement Act (all provisions). HR 5403, Reforming CFPB Indirect Auto Financing Guidance Act (all provisions). HR 4788, Relief for America's Main Street Lenders Act (all provisions). HR 5405, Promoting Job Creation and Reducing Small Business Burdens Act (all provisions). HR 4986, End Operation Choke Point Act of 2014 (provisions related to banking). 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 5018, Federal Reserve Accountability and Transparency Act of 2014 (all provisions). S. 2732, Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2014 (all provisions). Issues related to Export Import Bank reauthorization (H.J.Res., Continuing Appropriations Resolution, 2015). HR 2767, Protecting American Taxpayers and Homeowners Act of 2013 (PATH Act) (all provisions). HR 5055, Partnership to Strengthen Homeownership Act of 2014 (all provisions). S. 1217, Housing Finance Reform and Taxpayer Protection Act (all provisions) and revised Senate GSE/housing finance reform legislation. Issues related to government sponsored enterprise (GSE) and housing reforms initiatives (no specific bill). Issues related lending, mortgage lending, qualified mortgages, qualified residential mortgages, small business lending, online lending, energy lending programs, student loans, and auto lending (no specific bill). Issues related to bank fees, card fees and rate caps, and credit card interchange and debit card interchange (Senator Durbin amendment, electronic debit card transactions) (no specific bill). Issues related to regulatory implementation, process, systems and structures, general discussions and issues related to product new development, Volcker rule, CCAR, stress test, living wills, liquidity coverage ratio (LCR), CLO, end user margins, point/fees and Basel (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. Issues related to cyber-security, data breach and privacy, protecting consumer information, general discussions, as related to banking and financial services (no specific bill). Issues related to the CFPB narrative database program (no specific bill).

Client expense: $290,000 · Firm income: Not reported

Government targets: Energy, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Jumpstart Our Business Startup Act (JOBS Act): SBE Council continues to push for full implementation of the law (signed by President Obama on April 5, 2012) by the Securities and Exchange Commission (SEC), such as Title III (crowdfunding regs) to align with the intent of Congress and President Obama. Tax Reform: SBE Council urged the House and Senate to extend and/or make permanent Section 179 expensing for small businesses(TAX REFORM- continued) and bonus depreciation. SBE Council supported passage of H.R. 4718, A Bill to Make Permanent and Modify Bonus Depreciation. Permanent Internet Tax Freedom Act, H.R. 3086 - supported House passage SBE Council continues to support efforts to reform the tax system - ongoing. Regulatory Reform and Restrictions: SBE Council continues to support reforms to improve transparency and accountability of the regulatory system for small businesses. Specific legislation includes: The Federal Reserve Accountability and Transparency Act of 2014, H.R. 5018 - support The National Regulatory Budget Act of 2014, H.R. 5184 - support Waters of the United States Regulatory Overreach Protection Act, H.R. 5078 - support House passage Paycheck Fairness Act, S 2199 - oppose S.J. Res. 19 - SBE Council opposed as it would eliminate Free Speech protections fuaranteed by the U.S. Constitution, impacting our organization's ability to advocate for small business owners and entrepreneurs. Davis-Bacon Repeal Amendment to the FY15 Water and Appropriations Bill - SBE Council supported. Affordable Energy: SBE Council continues to support greater exploration and development of domestic energy resources, as well as construction of the Keystone XL pipeline. SBE Council opposes proposals and efforts to restrict liquefied natural gas exports, and is active supporting legislative efforts to expedite approval of Keystone and applications for LNG permits. SBE Council commented on a Department of Energy Filing on the LNG Export Decision Process. - SBE Council favors a more speedy and efficient process for making permit decisions. Telecommunications, Technology & IP: With regard to the Open Internet proceedings at the FCC, SBE Council submitted comments favoring a light regulatory approach, greater investment in broadband infrastructure and against the overlay of Title II telephone regulation to the broadband Internet. Capital Access: Specific legislative measures include: Promoting Job Creation and Reducing Small Business Burdens Act, H.R. 5405 - supported passage. Government Reform and Procurement SBE Council supports initiatives to make the federal procurement process less cumbersome for small businesses so they can adequately compete and win government contracts. Specific legislation includes: The Open Government Technology Work to More Businesses Act of 2014, H.R. 5145 - SBE Council supports. Affordable Health Care: SBE Council continues to provide input to HHS and regulatory agency staff on various measures within the Affordable Care Act including the health exchanges and SHOP.

Client expense: $35,000 · Firm income: Not reported

Government targets: Environmental Protection Agency (EPA), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of