Responsible Homeowner Refinancing Act of 2013

H.R. 736 - Responsible Homeowner Refinancing Act of 2013 - Requires Fannie Mae and Freddie Mac , in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3)prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees. S. 249 - Responsible Homeowner Refinancing Act of 2013 - Requires Fannie Mae and Freddie Mac , in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3)prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees. S. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 - Establishes the Federal Mortgage Insurance Corporation (FMIC) as an independent agency of the federal government to: (1) develop standard form credit risk-sharing mechanisms, products, structures, contracts, or other security agreements that require private market holders of a covered security insured under this Act to assume the first loss position with respect to losses incurred on such securities; (2) provide insurance on any covered security for which any private market holders have assumed the first loss position with respect to losses; (3) establish a Mortgage Insurance Fund; and (4) oversee and supervise the common securitization platform developed by a business entity announced by the Federal Housing Finance Agency (FHFA) and established by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (government sponsored enterprises [GSEs]).

Client expense: Not reported · Firm income: Not reported

Government targets: Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE

Improvement of Short Sales Process HR839 - Prompt Decision for Qualification for Short Sales Act S361 - Prompt Notification of Short Sales ActGSE Modifications HR736 - Responsible Homeowner Refinancing Act of 2013 HR1712 - Housing Opportunity and Mortgage Equity Act of 2013 HR2767 - The Protecting American Taxpayers and Homeowners Act of 2013 HR3550 - The New Fair Deal Banking and Housing Stability Act of 2013 S249 - Responsible Homeowner Refinancing Act of 2013 S536 - Jumpstart GSE Reform S1217 - Housing Finance and Taxpayer Protection Act of 2013 HR5055 - Partnership to Strengthen Homeownership Act of 2014 Basel III Capital Standards HR1693 - A bill to provide an exemption for community banks from the application of Basel III capital standards S737 - Basel III Impact Study Act Commercial Real Estate Refinancing HR1240 - A bill to extend the low-interest refinancing provisions under the Local Development Business Loan Program of the Small Business Administration S289 - Commercial Real Estate and Economic Development Act of 2013 S968 - Small Business Lending Enhancement Act of 2013 Fees and Points in the QM ATR Rules of Dodd-Frank HR3211 - Mortgage Choice Act of 2013 S949 - Consumer Mortgage Choice Act S1577 - Mortgage Choice Act of 2013 Credit Union Lending HR688 - A bill to amend the Federal Credit Union Act to provide certain credit unions with the authority to make additional member business loans, and for other purposes Conversations with the Treasury Department about Qualified Residential Mortgages (QRM) and GSE reform. Discussions with the Department of Housing and Urban Development (HUD) on the FHA, mortgage insurance premiums, and property flipping waivers. Conversations with the Consumer Finance Protection Board (CFPB) on Qualified Mortgages (QM), the Real Estate Settlement Procedures Act (RESPA), the Truth In Lending Act (TILA), and mortgage servicing. Conversations with the Federal Housing Finance Agency (FHFA) about housing financing, G-fees, and short sales. Discussions with the Securities and Exchange Commission about "crowdfunding" regulations under the JOBS Act of 2012 and the FASB Lease Accounting proposal. Conversations with the White House National Economic Council regarding housing finance, GSE Reform, and G-fees.

See addendum.S. 1465, the Incorporation Transparency and Law Enforcement Assistance Act H.R. 624, to improve cyber intelligence information-sharing between the private and public sectors. H.R. 736, the Responsible Homeowner Refinancing Act of 2013 H.R. 967, the Advancing America's Networking and Information Technology Research and Development Act of 2013 H.R. 1163, the Federal Information Security Amendments Act of 2013 H.R. 3696, the National Cybersecurity and Critical Infrastructure Protection Act (NCCIP) H.R. 3317, the Holding Individuals Accountable and Deterring Money Laundering Act H.R. 3331, the Incorporation Transparency and Law Enforcement Assistance Act

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

Federal Regulatory Activity OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/ National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule, GSE repurchases; Section 619, Dodd-Frank Wall Street Reform and Consumer Protection Act. Final Rule, Volcker Rule, IRS Regulation 67(e) Federal Legislative Activity Cybersecurity legislation: (H.R. 86, H.R.394, H.R.624, H.R.866, S.21); Credit Union Business Lending (H.R.588, S.968); Regulatory Reform (S.450, H.R. 719, H.R.1750, H.R. 1553); mortgage foreclosure legislation (H.R.736, S.249); Privacy: H.R. 749; Basel and Capital requirements: (H.R. 1221, H.R. 1341, S.731, S.798); GSE Reform (S.563, S.1217); Community banks: (H.R. 1603. H.R. 1693); derivatives: (H.R.992, H.R. 634, H.R. 1256); Flood insurance: (H.R.3547, S.1846); TRIA (S.2244, H.R.4871)

Client expense: $30,000 · 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.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

H.R. 736 - Responsible Homeowner Refinancing Act of 2013 - Requires Fannie Mae and Freddie Mac , in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3) prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees. H.R. 3370 - Homeowners Flood Insurance Affordability Act - Prohibits the Administrator of the Federal Emergency Management Agency (FEMA) from: (1) increasing flood insurance risk premium rates to reflect the current risk of flood for certain property located in specified areas subject to a certain mandatory premium adjustment, or (2) reducing such subsidies for any property not insured by the flood insurance program as of July 6, 2012, or any policy that has lapsed in coverage as a result of the policyholder's deliberate choice (Pre-Flood Insurance Rate Map or pre-FIRM properties). S. 249 - Responsible Homeowner Refinancing Act of 2013 - Requires Fannie Maeand Freddie Mac , in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3) prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees. S. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 - Establishes the Federal Mortgage Insurance Corporation (FMIC) as an independent agency of the federal government to: (1) develop standard form credit risk-sharing mechanisms, products, structures, contracts, or other security agreements that require private market holders of a covered security insured under this Act to assume the first loss position with respect to losses incurred on such securities; (2) provide insurance on any covered security for which any private market holders have assumed the first loss position with respect to losses; (3) establish a Mortgage Insurance Fund; and (4) oversee and supervise the common securitization platform developed by a business entity announced by the Federal Housing Finance Agency (FHFA) and established by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (government sponsored enterprises [GSEs]). S. 1610 - Homeowners Flood Insurance Affordability Act - Prohibits the Administrator of the Federal Emergency Management Agency (FEMA) from: (1) increasing flood insurance risk premium rates to reflect the current risk of flood for certain property located in specified areas subject to a certain mandatory premium adjustment, or (2) reducing such subsidies for any property not insured by the flood insurance program as of July 6, 2012, or any policy that has lapsed in coverage as a result of the policyholder's deliberate choice (Pre-Flood Insurance Rate Map or pre-FIRM properties). S. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 - Establishes the Federal Mortgage Insurance Corporation (FMIC) as an independent agency of the federal government.

Improvement of Short Sales Process HR839 - Prompt Decision for Qualification for Short Sales Act S361 - Prompt Notification of Short Sales ActGSE Modifications HR736 - Responsible Homeowner Refinancing Act of 2013 HR1712 - Housing Opportunity and Mortgage Equity Act of 2013 HR2767 - The Protecting American Taxpayers and Homeowners Act of 2013 HR3550 - The New Fair Deal Banking and Housing Stability Act of 2013 S249 - Responsible Homeowner Refinancing Act of 2013 S536 - Jumpstart GSE Reform S1217 - Housing Finance and Taxpayer Protection Act of 2013 HR5055 - Partnership to Strengthen Homeownership Act of 2014 Basel III Capital Standards HR1693 - A bill to provide an exemption for community banks from the application of Basel III capital standards S737 - Basel III Impact Study Act Commercial Real Estate Refinancing HR1240 - A bill to extend the low-interest refinancing provisions under the Local Development Business Loan Program of the Small Business Administration S289 - Commercial Real Estate and Economic Development Act of 2013 S968 - Small Business Lending Enhancement Act of 2013 Fees and Points in the QM ATR Rules of Dodd-Frank HR3211 - Mortgage Choice Act of 2013 S949 - Consumer Mortgage Choice Act S1577 - Mortgage Choice Act of 2013 Credit Union Lending HR688 - A bill to amend the Federal Credit Union Act to provide certain credit unions with the authority to make additional member business loans, and for other purposes Conversations with the Treasury Department about Qualified Residential Mortgages (QRM), GSE reform, and housing finance. Discussions with the Department of Housing and Urban Development (HUD) on loan limits, Qualified Residential Mortgages (QRM), the FHA, and mortgage insurance premiums. Conversations with the Consumer Finance Protection Board (CFPB) on Qualified Mortgages (QM), the Real Estate Settlement Procedures Act (RESPA), and the Truth In Lending Act (TILA). Conversations with the Federal Housing Finance Agency (FHFA) about loan limits and housing financing. Discussions with the Federal Deposit Insurance Corporation (FDIC) about Qualified Residential Mortgages (QRM). Discussions with the Office of the Comptroller of the Currency (OCC) about Qualified Residential Mortgages (QRM). Discussions with the Securities and Exchange Commission about Qualified Residential Mortgages (QRM). Conversations with the White House National Economic Council regarding housing finance. Discussions with the Small Business Administration (SBA) Office of Advocacy regarding crowdfunding.

See addendum.S. 1465, the Incorporation Transparency and Law Enforcement Assistance Act H.R. 624, to improve cyber intelligence information-sharing between the private and public sectors H.R. 736, the Responsible Homeowner Refinancing Act of 2013 H.R. 967, the Advancing America's Networking and Information Technology Research and Development Act of 2013 H.R. 1163, the Federal Information Security Amendments Act of 2013 H.R. 3696, the National Cybersecurity and Critical Infrastructure Protection Act (NCCIP) H.R. 3317, the Holding Individuals Accountable and Deterring Money Laundering Act H.R. 3331, the Incorporation Transparency and Law Enforcement Assistance Act

Client expense: $1,960,000 · 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 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 H.R. 450, Bureau of Consumer Financial Protection Accountability Act, all provisionsH.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 provisionsH.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. 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 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 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. 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. 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

Federal Regulatory Activity OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/ National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule, GSE repurchases; Section 619, Dodd-Frank Wall Street Reform and Consumer Protection Act. Final Rule, Volcker Rule, IRS Regulation 67(e) Federal Legislative Activity Cybersecurity legislation: (H.R. 86, H.R.394, H.R.624, H.R.866, S.21); Credit Union Business Lending (H.R.588, S.968); Regulatory Reform (S.450, H.R. 719, H.R.1750, H.R. 1553); mortgage foreclosure legislation (H.R.736, S.249); Privacy: H.R. 749; Basel and Capital requirements: (H.R. 1221, H.R. 1341, S.731, S.798); GSE Reform (S.563, S.1217); Community banks: (H.R. 1603. H.R. 1693); derivatives: (H.R.992, H.R. 634, H.R. 1256); Flood insurance: (H.R.3547, S.1846); TRIA (S.2244, H.R.4871)

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

H.R. 736 - Responsible Homeowner Refinancing Act of 2013 - Requires Fannie Mae and Freddie Mac , in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3) prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees.H.R. 3370 - Homeowners Flood Insurance Affordability Act - Prohibits the Administrator of the Federal Emergency Management Agency (FEMA) from: (1) increasing flood insurance risk premium rates to reflect the current risk of flood for certain property located in specified areas subject to a certain mandatory premium adjustment, or (2) reducing such subsidies for any property not insured by the flood insurance program as of July 6, 2012, or any policy that has lapsed in coverage as a result of the policyholder's deliberate choice (Pre-Flood Insurance Rate Map or pre-FIRM properties). S. 249 - Responsible Homeowner Refinancing Act of 2013 - Requires Fannie Maeand Freddie Mac , in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3) prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees. S. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 - Establishes the Federal Mortgage Insurance Corporation (FMIC) as an independent agency of the federal government to: (1) develop standard form credit risk-sharing mechanisms, products, structures, contracts, or other security agreements that require private market holders of a covered security insured under this Act to assume the first loss position with respect to losses incurred on such securities; (2) provide insurance on any covered security for which any private market holders have assumed the first loss position with respect to losses; (3) establish a Mortgage Insurance Fund; and (4) oversee and supervise the common securitization platform developed by a business entity announced by the Federal Housing Finance Agency (FHFA) and established by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (government sponsored enterprises [GSEs]). S. 1610 - Homeowners Flood Insurance Affordability Act - Prohibits the Administrator of the Federal Emergency Management Agency (FEMA) from: (1) increasing flood insurance risk premium rates to reflect the current risk of flood for certain property located in specified areas subject to a certain mandatory premium adjustment, or (2) reducing such subsidies for any property not insured by the flood insurance program as of July 6, 2012, or any policy that has lapsed in coverage as a result of the policyholder's deliberate choice (Pre-Flood Insurance Rate Map or pre-FIRM properties). S. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 - Establishes the Federal Mortgage Insurance Corporation (FMIC) as an independent agency of the federal government.

Improvement of Short Sales Process HR839 - Prompt Decision for Qualification for Short Sales Act S361 - Prompt Notification of Short Sales ActGSE Modifications HR736 - Responsible Homeowner Refinancing Act of 2013 HR1712 - Housing Opportunity and Mortgage Equity Act of 2013 HR2767 - The Protecting American Taxpayers and Homeowners Act of 2013 HR3550 - The New Fair Deal Banking and Housing Stability Act of 2013 S249 - Responsible Homeowner Refinancing Act of 2013 S536 - Jumpstart GSE Reform S1217 - Housing Finance and Taxpayer Protection Act of 2013 Basel III Capital Standards HR1693 - A bill to provide an exemption for community banks from the application of Basel III capital standards S737 - Basel III Impact Study Act Commercial Real Estate Refinancing HR1240 - A bill to extend the low-interest refinancing provisions under the Local Development Business Loan Program of the Small Business Administration S289 - Commercial Real Estate and Economic Development Act of 2013 S968 - Small Business Lending Enhancement Act of 2013 Fees and Points in the QM ATR Rules of Dodd-Frank HR3211 - Mortgage Choice Act of 2013 S949 - Consumer Mortgage Choice Act S1577 - Mortgage Choice Act of 2013 Credit Union Lending HR688 - A bill to amend the Federal Credit Union Act to provide certain credit unions with the authority to make additional member business loans, and for other purposes Conversations with the Treasury Department about Qualified Residential Mortgages (QRM) and the Home Affordable Modification Program (HAMP). Discussions with the Department of Housing and Urban Development (HUD) on loan limits, Qualified Residential Mortgages (QRM), condominiums, the FHA premium structure, and FHA loan limits. Conversations with the Consumer Finance Protection Board (CFPB) on the 3% cap, Qualified Residential Mortgages (QRM), Qualified Mortgages (QM), loan servicing, the "Know Before You Owe" program, and the Real Estate Settlement Procedures Act (RESPA). Conversations with the Federal Housing Finance Agency (FHFA) about loan limits and Government Sponsored Enterprises (GSE) refrom. Discussions with the Federal Deposit Insurance Corporation (FDIC) about Qualified Residential Mortgages (QRM). Discussions with the Office of the Comptroller of the Currency (OCC) about Qualified Residential Mortgages (QRM). Discussions with the Securities and Exchange Commission about Qualified Residential Mortgages (QRM). Conversations with the White House National Economic Council regarding housing finance.

See AddendumS. 1465, the Incorporation Transparency and Law Enforcement Assistance Act H.R. 624, to improve cyber intelligence information-sharing between the private and public sectors H.R. 736, the Responsible Homeowner Refinancing Act of 2013 H.R. 967, the Advancing America's Networking and Information Technology Research and Development Act of 2013 H.R. 1163, the Federal Information Security Amendments Act of 2013 H.R. 3696, the National Cybersecurity and Critical Infrastructure Protection Act (NCCIP) H.R. 3317, the Holding Individuals Accountable and Deterring Money Laundering Act H.R. 3331, the Incorporation Transparency and Law Enforcement Assistance Act

Client expense: $1,730,000 · 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 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 provisionsH.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, Portfolio Lending and Mortgage Access Act 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 provisionsH.R. 4226, Credit Union Residential Loan Parity Act, all provisions 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 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. 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. Res. 105, a resolution designating April 2013 as Financial Literacy Month

Federal Legislative Activity Cybersecurity legislation: (H.R. 86, H.R.394, H.R.624, H.R.866, S.21); Credit Union Business Lending (H.R.588, S.968); Regulatory Reform (S.450, H.R. 719, H.R.1750, H.R. 1553); mortgage foreclosure legislation (H.R.736, S.249); Privacy: H.R. 749; Basel and Capital requirements: (H.R. 1221, H.R. 1341, S.731, S.798); GSE Reform (S.563, S.1217); Community banks: (H.R. 1603. H.R. 1693); derivatives: (H.R.992, H.R. 634, H.R. 1256); Flood insurance: (H.R.3547, S.1846) Federal Regulatory Activity OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/ National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule, GSE repurchases; Section 619, Dodd-Frank Wall Street Reform and Consumer Protection Act. Final Rule, Volcker Rule.

Client expense: $70,000 · Firm income: Not reported

Federal Legislative Activity Cybersecurity legislation: (H.R. 86, H.R.394, H.R.624, H.R.866, S.21); Credit Union Business Lending (H.R.588, S.968); Regulatory Reform (S.450, H.R. 719, H.R.1750, H.R. 1553); mortgage foreclosure legislation (H.R.736, S.249); Privacy: H.R. 749; Basel and Capital requirements: (H.R. 1221, H.R. 1341, S.731, S.798); GSE Reform (S.563, S.1217); Community banks: (H.R. 1603. H.R. 1693); derivatives: (H.R.992, H.R. 634, H.R. 1256); Flood insurance: (H.R.3547, S.1846) Federal Regulatory Activity OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/ National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule, GSE repurchases; Section 619, Dodd-Frank Wall Street Reform and Consumer Protection Act. Final Rule, Volcker Rule.

Client expense: $70,000 · Firm income: Not reported

H.R. 736 - Responsible Homeowner Refinancing Act of 2013 - Requires Fannie Mae and Freddie Mac , in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3) prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees.H.R. 3370 - Homeowners Flood Insurance Affordability Act - Prohibits the Administrator of the Federal Emergency Management Agency (FEMA) from: (1) increasing flood insurance risk premium rates to reflect the current risk of flood for certain property located in specified areas subject to a certain mandatory premium adjustment, or (2) reducing such subsidies for any property not insured by the flood insurance program as of July 6, 2012, or any policy that has lapsed in coverage as a result of the policyholder's deliberate choice (Pre-Flood Insurance Rate Map or pre-FIRM properties). S. 249 - Responsible Homeowner Refinancing Act of 2013 - Requires Fannie Maeand Freddie Mac , in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3) prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees. S. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 - Establishes the Federal Mortgage Insurance Corporation (FMIC) as an independent agency of the federal government to: (1) develop standard form credit risk-sharing mechanisms, products, structures, contracts, or other security agreements that require private market holders of a covered security insured under this Act to assume the first loss position with respect to losses incurred on such securities; (2) provide insurance on any covered security for which any private market holders have assumed the first loss position with respect to losses; (3) establish a Mortgage Insurance Fund; and (4) oversee and supervise the common securitization platform developed by a business entity announced by the Federal Housing Finance Agency (FHFA) and established by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (government sponsored enterprises [GSEs]). S. 1610 - Homeowners Flood Insurance Affordability Act - Prohibits the Administrator of the Federal Emergency Management Agency (FEMA) from: (1) increasing flood insurance risk premium rates to reflect the current risk of flood for certain property located in specified areas subject to a certain mandatory premium adjustment, or (2) reducing such subsidies for any property not insured by the flood insurance program as of July 6, 2012, or any policy that has lapsed in coverage as a result of the policyholder's deliberate choice (Pre-Flood Insurance Rate Map or pre-FIRM properties). Discussed and supported proposed housing reform plan put out by Sen. Johnson (SD) and Sen. Crapo (ID) that has been put out in concept, but not yet bill form.

H.R. 736 - Responsible Homeowner Refinancing Act of 2013 - Requires Fannie Maeand Freddie Mac , in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3) prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees.H.R. 3370 - Homeowners Flood Insurance Affordability Act - Prohibits the Administrator of the Federal Emergency Management Agency (FEMA) from: (1) increasing flood insurance risk premium rates to reflect the current risk of flood for certain property located in specified areas subject to a certain mandatory premium adjustment, or (2) reducing such subsidies for any property not insured by the flood insurance program as of July 6, 2012, or any policy that has lapsed in coverage as a result of the policyholder's deliberate choice (Pre-Flood Insurance Rate Map or pre-FIRM properties). S. 249 - Responsible Homeowner Refinancing Act of 2013 - Requires Fannie Maeand Freddie Mac , in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3) prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees. S. 1610 - Homeowners Flood Insurance Affordability Act - Prohibits the Administrator of the Federal Emergency Management Agency (FEMA) from: (1) increasing flood insurance risk premium rates to reflect the current risk of flood for certain property located in specified areas subject to a certain mandatory premium adjustment, or (2) reducing such subsidies for any property not insured by the flood insurance program as of July 6, 2012, or any policy that has lapsed in coverage as a result of the policyholder's deliberate choice (Pre-Flood Insurance Rate Map or pre-FIRM properties). Lobbied to have the Qualified Residential Mortgage (QRM) Rules be no stricter than the lending rules of a QM. Lobbied to preserve the Mortgage Interest Deduction.

Improvement of Short Sales Process HR839 - Prompt Decision for Qualification for Short Sales Act S361 - Prompt Notification of Short Sales ActGSE Modifications HR736 - Responsible Homeowner Refinancing Act of 2013 HR1712 - Housing Opportunity and Mortgage Equity Act of 2013 HR2767 - The Protecting American Taxpayers and Homeowners Act of 2013 HR3550 - The New Fair Deal Banking and Housing Stability Act of 2013 S249 - Responsible Homeowner Refinancing Act of 2013 S536 - Jumpstart GSE Reform S1217 - Housing Finance and Taxpayer Protection Act of 2013 Basel III Capital Standards HR1693 - A bill to provide an exemption for community banks from the application of Basel III capital standards S737 - Basel III Impact Study Act Commercial Real Estate Refinancing HR1240 - A bill to extend the low-interest refinancing provisions under the Local Development Business Loan Program of the Small Business Administration S289 - Commercial Real Estate and Economic Development Act of 2013 S968 - Small Business Lending Enhancement Act of 2013 Fees and Points in the QM ATR Rules of Dodd-Frank HR3211 - Mortgage Choice Act of 2013 S949 - Consumer Mortgage Choice Act S1577 - Mortgage Choice Act of 2013 Credit Union Lending HR688 - A bill to amend the Federal Credit Union Act to provide certain credit unions with the authority to make additional member business loans, and for other purposes Conversations with the Treasury Department about housing finance, Qualified Mortgages (QM), Qualified Residential Mortgages (QRM), Qualified Commercial Real Estate (QCRE), and Basel III. Discussions with the Department of Housing and Urban Development (HUD) on mortgages, REOs, loan limits, short sales, dual agency, and FHA loan limits. Conversations with the Consumer Finance Protection Board (CFPB) on servicing mortgage financing, the 3% cap, Qualified Residential Mortgages (QRM), and the Real Estate Settlement Procedures Act (RESPA). Conversations with the Federal Housing Finance Agency (FHFA) about housing finance, mortgage servicing, and loan limits. Discussions with the Federal Deposit Insurance Corporation (FDIC) about Qualified Mortgages (QM), Qualified Residential Mortgages (QRM), Qualified Commercial Real Estate (QCRE), and Basel III. Discussions with the Federal Reserve about Qualified Mortgages (QM), Qualified Residential Mortgages (QRM), Qualified Commercial Real Estate (QCRE), and Basel III. Discussions with the Office of the Comptroller of the Currency (OCC) about Qualified Residential Mortgages (QRM). Discussions with the Securities and Exchange Commission about Qualified Residential Mortgages (QRM) and Lease Accounting. Conversations with the White House National Economic Council regarding the economic value of homeownership.

H.R. 736 - Responsible Homeowner Refinancing Act of 2013 - Requires Fannie Maeand Freddie Mac , in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3) prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees.H.R. 3370 - Homeowners Flood Insurance Affordability Act - Prohibits the Administrator of the Federal Emergency Management Agency (FEMA) from: (1) increasing flood insurance risk premium rates to reflect the current risk of flood for certain property located in specified areas subject to a certain mandatory premium adjustment, or (2) reducing such subsidies for any property not insured by the flood insurance program as of July 6, 2012, or any policy that has lapsed in coverage as a result of the policyholder's deliberate choice (Pre-Flood Insurance Rate Map or pre-FIRM properties). S. 249 - Responsible Homeowner Refinancing Act of 2013 - Requires Fannie Maeand Freddie Mac , in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3) prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees. S. 1610 - Homeowners Flood Insurance Affordability Act - Prohibits the Administrator of the Federal Emergency Management Agency (FEMA) from: (1) increasing flood insurance risk premium rates to reflect the current risk of flood for certain property located in specified areas subject to a certain mandatory premium adjustment, or (2) reducing such subsidies for any property not insured by the flood insurance program as of July 6, 2012, or any policy that has lapsed in coverage as a result of the policyholder's deliberate choice (Pre-Flood Insurance Rate Map or pre-FIRM properties). Lobbied to have the Qualified Residential Mortgage (QRM) Rules be no stricter than the lending rules of a QM. Lobbied to preserve the Mortgage Interest Deduction.

S. 1465, the Incorporation Transparency and Law Enforcement Assistance Act; H.R. 624, to improve cyber intelligence information-sharing between the private and public sectors; H.R. 736, the Responsible Homeowner Refinancing Act of 2013; H.R. 967, the Advancing America's Networking and Information Technology Research and Development Act of 2013; H.R. 1163, the Federal Information Security Amendments Act of 2013;H.R. 3696, the National Cybersecurity and Critical Infrastructure Protection Act (NCCIP); H.R. 3317, the Holding Individuals Accountable and Deterring Money Laundering Act; H.R. 3331, the Incorporation Transparency and Law Enforcement Assistance Act.

Client expense: $2,140,000 · Firm income: Not reported

Federal Legislative Activity: Cybersecurity legislation: (H.R. 86, H.R.394, H.R.624, H.R.866, S.21); Credit Union Business Lending (H.R.588, S.968); Regulatory Reform (S.450, H.R. 719, H.R.1750, H.R. 1553); mortgage foreclosure legislation (H.R.736, S.249); Privacy: H.R. 749; Basel and Capital requirements: (H.R. 1221, H.R. 1341, S.731, S.798); GSE Reform (S.563, S.1217); [continued on next page]16. Legislative Activity (continued): Community banks: (H.R. 1603. H.R. 1693); derivatives: (H.R.992, H.R. 634, H.R. 1256); Flood insurance: (H.R.3547, S.1846). Federal Regulatory Activity: OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/ National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule, GSE repurchases; Section 619, Dodd-Frank Wall Street Reform and Consumer Protection Act. Final Rule, Volcker Rule, FHFA mortgage loan seller representation and warranties requirements. 17. (continued) Consumer Finance Protection Board (CFPB).

Client expense: $50,000 · 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 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 provisionsH.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, Portfolio Lending and Mortgage Access Act 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 Kildee Amendment to H.R. 1960, National Defense Authorization Act, related to disclosures required under the Military Lending ActS. 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. 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 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. 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. Res. 105, a resolution designating April 2013 as Financial Literacy Month

Improvement of Short Sales Process HR839 - Prompt Decision for Qualification for Short Sales Act S361 - Prompt Notification of Short Sales ActGSE Modifications HR736 - Responsible Homeowner Refinancing Act of 2013 HR1712 - Housing Opportunity and Mortgage Equity Act of 2013 HR2767 - The Protecting American Taxpayers and Homeowners Act of 2013 S249 - Responsible Homeowner Refinancing Act of 2013 S536 - Jumpstart GSE Reform S949 - Consumer Mortgage Choice Act S1217 - Housing Finance and Taxpayer Protection Act of 2013 Basel III Capital Standards HR1693 - A bill to provide an exemption for community banks from the application of Basel III capital standards S737 - Basel III Impact Study Act Commercial Real Estate Refinancing S289 - Commercial Real Estate and Economic Development Act of 2013 Conversations with the Treasury Department about GSE reform, Dodd-Frank regulations, Qualified Mortgages (QM), and Qualified Residential Mortgages (QRM). Discussions with the Department of Housing and Urban Development (HUD) on Qualified Residential Mortgages (QRM), Condominiums, the Federal Housing Administration, and dual agency on short sales. Discussions with the Consumer Financial Protection Bureau (CFPB) on Qualified Mortgages (QM), Servicing Rules, Dodd-Frank regulations, the 3% Cap, and the Real Estate Settlement Procedures Act (RESPA). Conversations with the Federal Housing Finance Agency (FHFA) about GSEs, short sales, Eminent Domain, GSE Reform, and Loan Limits. Discussions with the Small Business Administration (SBA) regarding SBA Lending issues. Conversations with the Federal Reserve regarding Basel III. Discussions with the White House National Economic Council regarding GSE Reform.

Client expense: $8,240,000 · Firm income: Not reported

See AddendumH.R. 624, to improve cyber intelligence information-sharing between the private and public sectors H.R. 736, the Responsible Homeowner Refinancing Act of 2013 H.R. 967, the Advancing America's Networking and Information Technology Research and Development Act of 2013 H.R. 1163, the Federal Information Security Amendments Act of 2013

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

Federal Legislative Activity: Cybersecurity legislation: (H.R. 86, H.R. 394, H.R.624, H.R. 866, S.21); Credit Union Business Lending (H.R.588,S.968); Regulatory Reform (S.450, H.R. 719, H.R. 1750, H.R. 1553); mortgage foreclosure legislation (H.R.736, S.249); Privacy: H.R.749; Basel and Capital requirements: (H.R.1221, H.R.1341, S.731, S.798); GSE Reform (S.563, S.1217); [continued on next page]16. Legislative Activity (continued): Community banks: (H.R.1603, H.R.1693); derivatives: (H.R.992, H.R.634, H.R.1256). Federal Regulatory Activity: OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule; GSE repurchases. 17. (continued) Consumer Finance Protection Board (CFPB).

Client expense: $45,000 · 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 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 provisionsH.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, Portfolio Lending and Mortgage Access Act 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, To provide a framework establishing the rights, liabilities, and responsibilities of participants in closing procedures for certain types of consumer deposit accounts, to protect individual consumer rights, and for other purposes. 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 provisionsS. 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. 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 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. 1534, A bill to provide a framework establishing the rights, liabilities, and responsibilities of participants in closing procedures for certain types of consumer deposit accounts, to protect individual consumer rights, and for other purposes. S. Res. 105, a resolution designating April 2013 as Financial Literacy Month

H.R. 736 - Responsible Homeowner Refinancing Act of 2013 - Requires Fannie Maeand Freddie Mac , in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3) prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees.S. 249 - Responsible Homeowner Refinancing Act of 2013 - Requires Fannie Maeand Freddie Mac , in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3) prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees. Lobbied to have the Qualified Residential Mortgage (QRM) Rules be no stricter than the lending rules of a QM. Lobbied to preserve the Mortgage Interest Deduction.

Client expense: Not reported · Firm income: Not reported

Government targets: Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Occupational Safety & Health Administration (OSHA), SENATE

Improvement of Short Sales Process HR839 - Prompt Decision for Qualification for Short Sales Act S361 - Prompt Notification of Short Sales ActGSE Modifications HR736 - Responsible Homeowner Refinancing Act of 2013 HR1712 - Housing Opportunity and Mortgage Equity Act of 2013 S249 - Responsible Homeowner Refinancing Act of 2013 S536 - Jumpstart GSE Reform S949 - Consumer Mortgage Choice Act S1217 - Housing Finance and Taxpayer Protection Act of 2013 Basel III Capital Standards HR1693 - A bill to provide an exemption for community banks from the application of Basel III capital standards S737 - Basel III Impact Study Act Commercial Real Estate Refinancing S289 - Commercial Real Estate and Economic Development Act of 2013 Conversations with the Treasury Department about GSE reform, Basel III, and Dodd-Frank regulations. Discussions with the Department of Housing and Urban Development (HUD) on Qualified Mortgages (QM), Qualified Residential Mortgages (QRM), Condominiums, REOs, short sales, and the Federal Housing Administration. Discussions with the Consumer Financial Protection Bureau (CFPB) on Qualified Mortgages (QM), QM Servicing, Dodd-Frank regulations, and Ability to Repay (ATR). Conversations with the FDIC about QRM. Conversations with the Federal Housing Finance Agency (FHFA) about GSEs, short sales. Discussions with the Small Business Administration (SBA) regarding the Commercial Refinance Program. Conversations with the Federal Reserve regarding Basel III and Dodd-Frank. Conversations with the Securities and Exchange Commission (SEC) regarding lease accounting. Discussions with the White House National Economic Council regarding the FHFA director nomination.

Client expense: $9,140,000 · Firm income: Not reported

H.R. 624, to improve cyber intelligence information-sharing between the private and public sectors H.R. 736, the Responsible Homeowner Refinancing Act of 2013H.R. 967, the Advancing America's Networking and Information Technology Research and Development Act of 2013 H.R. 1163, the Federal Information Security Amendments Act of 2013

Client expense: $2,610,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Federal Legislative Activity: Cybersecurity legislation: (H.R. 86, H.R. 394, H.R624, S.21); Credit Union Business Lending (H.R.588, S.968); Regulatory Reform (S.450, H.R.719,H.R.1750,H.R.1553); mortgage foreclosure legislation (H.R.736, S.249); Privacy: H.R.749; Basel and Capital cont.16. Legislative Activity (continued): Requirements: (H.R.1221, H.R.1341, S.731, S.798); GSE Reform (S.563,S.1217); Community banks; (H.R.1603, H.R.1693); derivatives: (H.R.992, H.R.634, H.R.1256). Federal Regulatory Activity: OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule. 17. (continued) Consumer Finance Protection Board (CFPB).

Client expense: $65,000 · 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 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 provisionsH.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 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. 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 provisionsS. 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 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. Res. 105, a resolution designating April 2013 as Financial Literacy Month

H.R. 736 - Responsible Homeowner Refinancing Act of 2013 - Requires Fannie Maeand Freddie Mac , in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3) prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees.S. 249 - Responsible Homeowner Refinancing Act of 2013 - Requires Fannie Maeand Freddie Mac , in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3) prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees. Lobbied to have the Qualified Residential Mortgage (QRM) Rules be no stricter than the lending rules of a QM. Lobbied to preserve the Mortgage Interest Deduction.

Client expense: Not reported · Firm income: Not reported

Government targets: Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Occupational Safety & Health Administration (OSHA), SENATE

Improvement of Short Sales Process S361 - Prompt Notification of Short Sales Act HR839 - Prompt Decision for Qualification for Short Sales ActGSE Modifications S249 - Responsible Homeowner Refinancing Act of 2013 S536 - Jumpstart GSE Reform HR736 - Responsible Homeowner Refinancing Act of 2013 Conversations with the Consumer Financial Protection Bureau (CFPB) on Qualified Mortgages (QM), Qualified Residential Mortgages (QRM), mortgage regulations, Loan Officer Compensation Rules, and the 3% cap. Discussions with the Department of Housing and Urban Development (HUD) on the Federal Housing Administration, Qualified Residential Mortgages (QRMs), housing, condominiums, loan limits, and the e-Signature. Discussions with the Treasury Department on GSE Reform, Qualified Residential Mortgages (QRM), banking, housing, and Terrorism Risk Insurance. Discussions with the FDIC on Qualified Residential Mortgages (QRM), Conversations with the Securities and Exchange Commission (SEC) on lease accounting. Discussions with the Office of the Comptroller of the Currency (OCC) on Commercial Concentrations at Banks. Discussions with the Federal Housing Finance Agency on GSE Reform, Fannie Mae and Freddie Mac operations. Discussions with the Small Business Administration (SBA) on its commercial refinance program.

Client expense: $8,500,000 · 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 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 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 provisionsS. 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

Legislation: Cybersecurity legislation: (H.R. 86, H.R.394, H.R.624, S.21); Credit Union Business Lending (H.R.688); Regulatory Reform (S.450); H.R. 719); mortgage foreclosure legislation (H.R.736, S.249); Privacy: H.R. 749; Basel and Capital requirements: (H.R. 1221); GSE Reform (S.563); Federal Protective Service Improvement & Accountability Act of 2013 (H.R. 735); Cybersecurity Enhancement Act of 2013 (H.R. 756). (Please see next page for Regulation.)Regulation: OCC Guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule & Qualified Mortgage Rule; CFPB Mortgage servicing final rules (TILA & RESPA); CFPB escrow final rule under Dodd-Frank; CFPB ATM placard rule; Basel Committee Liquidity Standard; FDIC Appraisal requirements under Dodd-Frank; Treasury Foreign Account Tax & Compliance Act; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules.

Client expense: $45,000 · Firm income: Not reported

H.R. 736 - Responsible Homeowner Refinancing Act of 2013 - Requires Fannie Maeand Freddie Mac , in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3) prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees.S. 249 - Responsible Homeowner Refinancing Act of 2013 - Requires Fannie Maeand Freddie Mac , in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3) prohibition on up-front fees, (4) alternative streamlined methods to determine the value of a property, (5) the purchase or guarantee of any new mortgage resulting from the refinancing of an eligible mortgage, and (6) guarantee fees. Lobbied to have the Qualified Residential Mortgage (QRM) Rules be no stricter than the lending rules of a QM. Lobbied to preserve the Mortgage Interest Deduction.

Client expense: Not reported · Firm income: Not reported

Government targets: Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Occupational Safety & Health Administration (OSHA), SENATE