Eliminate Privacy Notice Confusion Act

Issues related to traditional banking and bank regulation including the following legislation: Eliminate Privacy Notice Confusion Act (HR 749); Financial Regulatory Responsibility Act of 2013 (S 450); Dodd-Frank Wall Street Reform and Consumer Protection Technical Corrections Act of 2013 (S 451); Privacy Notice Modernization Act of 2013 (S 635); Housing Finance Reform and Taxpayer Protection Act of 2013 (S 1217); Protecting American Taxpayers and Homeowners Act of 2013 (HR 2767).

Client expense: $920,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Wall Street Reform & Consumer Protection Act; Federal Reserve implementation of the Dodd-Frank interchange provisions (Reg. II); issues relating to credit and debit card interchange fees; Financial Crimes Enforcement Network issues on reporting requirements and virtual currencies; SEC and Financial Stability Oversight Board on Money Market Mutual Fund Reform; Legislation (H.R. 749, S. 635) to amend Gramm Leach Bliley Privacy Act privacy reporting requirements; H.R. 1564 Audit Rotation Bill; Pay ratio disclosure proposed rule Dodd-Frank provisions; Internet of Things; Additional agency lobbied (not listed as an agency option): CONSUMER FINANCIAL PROTECTION BUREAU, issues related to credit, debit and pre-paid cards.

Client expense: $670,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Federal Communications Commission (FCC), Federal Maritime Commission, Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office

see next pageIssues Related To Small Business H.R.5599 - Small Business Loan Simplification Act of 2014 Issues Related To Data Security/Privacy S.635/H.R.749 - Privacy Notice Modernization Act of 2013 S.947 - SAFE Act Confidentiality & Privilege Enhancement Act S.1927 - Data Security Act of 2014 Issues Related To Banking S.673 - Protecting Consumers from Unreasonable Credit Rates Act of 2013 H.R.1261 - Overdraft Protection Act of 2013 H.R.3211 - The Mortgage Choice Act Issues related to The Wall Street Reform and Consumer Protection Act Issues Related To Cyber Security H.R.624 - Cyber Intelligence Sharing and Protection Act H.Res.164 - Providing for consideration of the bill (H.R. 624) to provide the sharing of certain cyber threat intelligence and cyber threat information between the intelligence community and cybersecurity entities, and for other purposes. H.R.756 - Cybersecurity Enhancement Act of 2013 S.1927 - Cybersecurity and American Cyber Competitiveness Act of 2013 S.1353 - Cyber Security Act Of 2013 Issues Related To Consumer Financial Protection Bureau Potential Legislation Regarding the CFPB. Issues related to CFPB and banking agency regulatory bulletins H.R.2402 - Consumer Financial Protection Commission Act of 2013 H.R.5403 - Reforming CFPB Indirect Auto Financing Guidance Act Issues Related To Student Loans H.R.2561 - The Fair Student Credit Act of 2013 S.1803 - Student Loan Borrower Bill of Rights S.2432 - Bank on Students Emergency Loan Refinancing Act H.R.4511 - Protecting Students from Automatic Default Act S.2448 - Service Member Higher Education Protection Act S.2385 - Protecting Aid for Students Act of 2014 H.R.4714 - Campus Debit Cards Act Issues Related To Disbursement of Title IV Funds Higher Education Affordability Act/Issues Related to Reauthorization of the Higher Education Act Issues Related to Postal Service S.1486 - The Postal Reform Act of 2014Regulations: Community Reinvestment Act Regulations, 12 CFR parts 25, 195, 228 and 345 Regulation B, 12 CFR Part 202, 1002 (ECOA) Regulation C, 12 CFR Part 203, 1003 (HMDA) Regulation E, 12 CFR Part 205, 1005 (EFTA) Regulation F, 12 CFR Part 1006 (FDCPA) Consumer Privacy, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting, 12 CFR Parts 41, 171, 334, 1022 Regulation X, 12 CFR Part 1024 (RESPA) Regulation Z, 12 CFR Part 1026 (TILA) Disclosure of records and information, 12 CFR Part 1070 Rules of practice for adjudication proceeding, 12 CFR Part 1081 CFPBs larger participant rules, 12 CFR Part 1090 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to Telephone Consumer Protection Act Issues related to the Higher Education Act Section 487(a)(2) of HEA - Campus Cards Issues related to the Service Member Civil Relief Act Regulation P, 12CFR Part 216

Client expense: $580,000 · Firm income: Not reported

Government targets: Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. H.R. 2140, the Insurance Capital and Accounting Standards Act of 2013. Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) and the Home Owners' Loan Act to make minimum leverage and risk-based capital requirements governing insurance companies under the state law also apply to insurance companies that are either depository holding companies or subsidiaries of depository holding companies. Issue: Capital Standards, Basel III H.R. 1062, SEC Regulatory Accountability Act. Issue: SEC Rulemaking, Cost-Benefit Analysis, Derivatives H.AMDT.64 to H.R. 1062, Amendment expresses the sense of Congress that rules adopted by the Public Company Accounting Oversight Board (PCAOB) comply with the same standards required of the SEC. It also requires the SEC to ensure that any rules adopted by the Municipal Securities Rulemaking Board (MSRB), and other national securities associations comply with the standards set forth in the bill. Issue: FINRA, Securities Rulemaking H.R. 1564, the Audit Integrity and Job Protection Act. Amends the Sarbanes-Oxley Act of 2002 (SOX) to deny the Public Company Accounting Oversight Board any authority to require that audits conducted for a particular issuer of securities in accordance with SOX standards be conducted by specific auditors, or that such audits be conducted for an issuer by different auditors on a rotating basis. Issue: Mandatory Auditor Rotation H.R. 2374, the Retail Investor Protection Act. To amend the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. Issue: Fiduciary Duties S. 731, the Basel III CASE Act. Directs the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency, before issuing any final rule in relation to proposals they have issued for the International Basel III agreement on general risk-based capital requirements, to conduct an empirical study that includes: (1) a quantitative analysis of the rule's impact on the U.S. financial services sector, specifically community, mid-size, and regional financial institutions; and (2) a determination of the long-term impact of the rule, including changes to the current risk weight framework. Issue: Capital Standards for Community Banks H.R 2547, the Determination of Appropriate Risk-Based Capital Requirements for Community Financial Institutions Act of 2013. To determine appropriate risk based capital requirements for community, mid-size, and regional institutions. Issue: Capital Standards for Community Banks S. 798, TBTF Act. Requires federal banking agencies to establish capital requirements for the ratio of equity capital to total consolidated assets for all financial institutions. Issue: Capital Standards S. 1369, a bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance. Issue: Capital Standards S. 1526, The Audit Integrity and Job Protection Act, to prevent the Public Company Accounting Oversight Board (PCAOB) from requiring public companies to use a specific auditor or to change auditors on a rotating basis. Issue: Mandatory Auditor Rotation H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 to prohibit Fannie Mae and Freddie Mac from purchasing, the FHA from insuring, and the Department of Agriculture from guaranteeing, making, or insuring, a mortgage that is secured by a residence or residential structure located in a county in which the State has used the power of eminent domain to take a residential mortgage. Issue: Mortgage Investments H.R. 2767, the Protect American Taxpayers & Homeowners (PATH) Act. Issue: Mortgage Investments and Government Sponsored Enterprises/Federal Home Loan Banks Draft H.AMDT to HR 2610, Transportation, Housing & Urban Development Appropriations, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. Provision in H.R. 4745, Transportation, Housing & Urban Development Appropriations, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. S. 2102, a bill to clarify the application of certain leverage and risk based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Capital Standards. H.R. 4510 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 5016 - Financial Services and General Government Appropriations Act, 2015. Making appropriations for financial services and general government for the fiscal year ending September 30, 2015, and for other purposes. Issue: Global insurance standards Draft Senate bill on Financial Services and General Government Appropriations Act, 2015. Making appropriations for financial services and general government for the fiscal year ending September 30, 2015, and for other purposes. Issue: Global insurance standards H.R. 4557 - Policyholder Protection Act of 2014. To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. Issue: Source of strength S. 1217- Housing Finance Reform and Taxpayer Protection Act of 2013. Authorizes the Federal Mortgage Insurance Corporation to provide insurance to any covered security regardless of whether it has satisfied credit-risk sharing requirements if unusual and exigent circumstances have created an anomalous lack of mortgage credit availability. Issue: Government Sponsored Enterprises. Senate ADMT to S. 1217-Housing Finance Reform and Taxpayer Protection Act of 2014. To provide for prohibitions relating to the use of the power of eminent domain. Issue: Mortgage Investments H.R. 4881, a bill to place a 6-month moratorium on the authority of the Financial Stability Oversight Council to make financial stability determinations. Issue: Global insurance standards. H.R. 749 - Eliminate Privacy Notice Confusion Act. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, and (2) has not changed its policies and practices with regard to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers. Issue: privacy S. 635 - Privacy Notice Modernization Act of 2013. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual written privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, (2) has not changed its policies and practices with respect to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers, and (3) otherwise provides customers access to such most recent disclosure in electronic or other form permitted by specified regulations. Issue: privacy H.R. 5018 - Federal Reserve Accountability and Transparency Act of 2014. This bill amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System. Issue: global insurance standards. H.Res.735 - Expressing the sense of the House of Representatives that recently proposed measures that will reduce transparency and public participation at the International Association of Insurance Supervisors (IAIS) should be disapproved by United States representatives to the IAIS. Issue: global insurance standards. S.Res. 561 - A resolution expressing the sense of the Senate that recently proposed measures that will reduce transparency and public participation at the International Association of Insurance Supervisors (IAIS) should be disapproved by United States representatives to the IAIS. Issue: global insurance standards. H.R._____, Draft legislation on the development of global insurance standards. Issue: global insurance standards. H.R. 5421 - Financial Institution Bankruptcy Act of 2014. To amend title 11 of the United States Code in order to facilitate the resolution of an insolvent financial institution in bankruptcy. Is

Client expense: $1,273,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1967 - Data Security and Breach Notification Act of 2014 - all provisions S. 21 - Cybersecurity and American Cyber Competitiveness Act - all provisions Cyber Intelligence Sharing Act (no bill number) - all provisions H.R. 537 - Social Networking Online Protection Act - all provisions H.R. 756 - Cybersecurity Enhancement Act - all provisions H.R. - 624 Cyber Intelligence Sharing and Protection Act - all provisions S. 635 / H.R. 749 - Eliminate Privacy Notice Confusion Act - all provisions Implementation of Bipartisan Budget Act of 2013 (amendment to H.J. Res. 59) Sec. 203, restrictions on access to death master file FTC Rules Amending the Telephone Consumer Protection Act of 1991 (FCC 12-21) - all provisions S. 1535 - Cybersecurity Act of 2013 - all provisions. House & Senate

Client expense: $2,160,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

1) Urge CFPB to enact strong fair debt collection rule reforms, regulate arbitration, and take other steps to protect consumers. (2) Support bank overdraft fee reform (HR 1261) (3) Support independent funding, authority and structure of CFPB. Oppose all bills to weaken CFPB including HR 3193, the Consumer Financial Freedom and Washington Accountability Act; HR 450, the Bureau of Consumer Financial Protection Accountability Act; H.R. 3389, the CFPB Slush Fund Elimination Act; H.R. 4604, the CFPB Data Collection Security Act; H.R. 4262, the Bureau Advisory Commission Transparency Act; H.R. 4539, the Bureau Research Transparency Act; H.R. 3770, the CFPB-IG Act of 2013; H.R. 4383, the Bureau of Consumer Financial Protection Small Business Advisory Board Act; H.R. 4804, the Bureau Examination Fairness Act; H.R. 4662, the Bureau Advisory Opinion Act; H.R. 4811, the Bureau Guidance Transparency Act; Oppose similar bills to weaken the CFPB or Wall Street reform including S. 205, S 190, S. 238, S. 450, S 2732 and any similar bills or budgetary line items or appropriations riders, including Sections 501-504 of HR 5016, the Financial Services and General Government Appropriations Act, 2015. (4) Support legislation to rein in payday lending and similar predatory loan practices, including HR 990 and S 172. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders, such as H.R. 1566, the so-called Consumer Credit Access, Innovation, and Modernization Act. . Urge CFPB, and other regulators to prevent banks from offering similar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores, such as S 471/HR 1002. (6) Work to protect consumer privacy notices from full repeal (HR 749, S 635). (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including REINS ACT (S 15) and the sweeping so-called Jobs Act (HR 4) and any similar bills, including bills to impose OMB cost-benefit rules on independent agencies including the CFPB and others. (7) Support full funding and authority for all other financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer contracts, such as support for Arbitration Fairness Act (Arbitration Fairness Act of 2013 (or AFA), S. 878, ). (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms, such as the 21st Century Glass-Steagall Act, S 1282. Oppose efforts to weaken that authority, including HR 797, which would weaken protections for municipal borrowers (12) Urge CFPB/DeptofEd and administration to support strong gainful employment rules for for-profit schools and to protect students from unfair debit and prepaid card loan disbursement and other on-campus practices. (13) Support CFPB/DOE efforts to protect students from unfair private student loan practices. (14) Support Congressional and agency efforts to protect consumers from new and under-regulated uses of consumer data. Urge financial agencies and FTC to protect consumer privacy and to regulate Internet credit scoring models, data brokers and other practices involving the sale or mining of consumer social networking and other information. Regulate tracking of consumers. Similarly, urge that amendments to Electronic Communications Privacy Act reflect need for consumer/citizen privacy. (15) Support efforts to establish anti-speculation Financial Transactions Tax (HR 880, S 410). (16) Oppose efforts to weaken investor protections, including under guise of implementing JOBS Act of 2012. (17) Support efforts to eliminate Deceptive Loan Checks (S 187); Urge that any cybersecurity legislation includes privacy protections in Title VII of S. 3414 (2012). (18) Urge CFPB to use authority to ensure private education lenders obtain school certification prior to disbursing private education loans and urge CFPB/DeptofEd to protect students. (19) Urge opposition to H.R. 1256, the so-called Swaps Jurisdiction Certainty Act and similar proposals to weaken CFTC authority. (20) Generally urge CFPB to implement strongest possible consumer protections, including to protect consumers from unfair pre-dispute arbitration agreements, from credit bureau mistakes, from fee-harvester credit cards, unfair debt collector practices, as well as strongest mortgage and foreclosure rules, etc. (21) Urge FTC to enact and enforce strong consumer rules on issues ranging from privacy to used car rules to debt collection and debt settlement firms. (22) Protect and enhance Durbin amendment limiting so-called merchant swipe or interchange fees on debit cards. (22) Support Freedom and Mobility in Consumer Banking Act, HR 3137 (Schakowsky) and S 1534 (Harkin). (23) Oppose HR 2538 to allow full file credit reporting without adequate safeguards.(24) Support HR 2998, Investor Choice Act to eliminate mandatory arbitration in investor disputes (Ellison). (25) Urge FTC to strengthen Telemarketing Sales Rule. (26) Urge Department of Defense to strengthen Military Lending Act regarding Limitations on Terms of Consumer Credit Extended to Service Members and Dependents to close loopholes, ban forced arbitration and for other purposes (27) Oppose S. 710, the so-called Municipal Advisors Relief Act of 2013. (28) Oppose H.R. 2655, the so-called Lawsuit Abuse Reduction Act. (29) Support efforts by CFPB and prudential regulators to end discriminatory lending practices in the auto finance market that harm minority car buyers. (30) Support the Net Price Calculator Improvement Act for college student loan comparisons. (31) Urge bank regulators take further strong action to protect consumers and the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. (32) Urge CFPB to propose and enact strong, comprehensive rule regulating online and storefront payday and similar small-dollar loans. (33) Support legislation such as S.1654 the- Government Settlement Transparency and Reform Act and urge CFPB, DOJ, FTC, SEC and other agencies to include language in lawsuit settlements to prevent corporate wrongdoers from taking tax writeoffs on any penalties or restitution paid to Treasury or consumer-victims. Urge that these settlements be made public. (34) Urge U.S. Treasury Departments Federal Insurance Office (FIO) to make strongest possible policy proposals to protect insurance consumers from anti-competitive pricing and marketing and other practices endemic to the property and casualty insurance industry. (35) Urge the President to nominate pro-consumer appointees to agency boards, commissions and directorships. (36) Oppose the Fair Debt Collection Practices Technical Clarification Act of 2013, HR 2892. (36) Urge Department of Labor and SEC to rapidly enact fiduciary rules to protect investors. (37) Urge administration to nominate and Senate to confirm strong pro-consumer governors to Federal Reserve Board, (38) Oppose legislative and other efforts to weaken agency authority to regulate payment processors and financial firms that may aid and abet consumer fraud (so-called Operation Choke Point), (39) Support efforts such as S 2868 to extend statue of limitations for SEC actions against investor fraud. (40) Urge CFPB to regulate auto lenders under Larger Participants rulemaking authority (41) Urge Federal Housing Finance Authority to use more accurate credit scoring models for consumers. (42) Urge federal financial regulators not to rescind or repeal Regulation AA, which prohibits unfair credit practices. (42) Support S 2224 to strengthen credit reporting laws.

Client expense: $27,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Product Safety Commission (CPSC), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Telecommunications & Information Administration (NTIA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

see next pageIssues Related To Small Business S.537 - Clear SBA Act H.R.1240/S.289 - Commercial Real Estate and Economic Development Act of 2013 Issues Related To Data Security/Privacy S.635/H.R.749 - Privacy Notice Modernization Act of 2013 S.947 - SAFE Act Confidentiality & Privilege Enhancement Act S.1927 - Data Security Act of 2014 Issues Related To Banking S.673 - Protecting Consumers from Unreasonable Credit Rates Act of 2013 H.R.1261- Overdraft Protection Act of 2013 Issues related to The Wall Street Reform and Consumer Protection Act Issues Related To Cyber Security H.R.624 - Cyber Intelligence Sharing and Protection Act H.Res.164 - Providing for consideration of the bill (H.R. 624) to provide the sharing of certain cyber threat intelligence and cyber threat information between the intelligence community and cybersecurity entities, and for other purposes. H.R.756 - Cybersecurity Enhancement Act of 2013 S.1927 - Cybersecurity and American Cyber Competitiveness Act of 2013 S.1353 - Cyber Security Act Of 2013 Issues Related To Consumer Financial Protection Bureau Potential Legislation Regarding the CFPB. Issues related to CFPB and banking agency regulatory bulletins H.R.2402 - Consumer Financial Protection Commission Act of 2013 H.R.3770 - CFPB - IG Act of 2013 H.R.4811 - Bureau Guidance Transparency Act Issues Related To Student Loans S.546 - Smarter Borrowing Act S.1266 - Refinancing Education Funding to Invest (REFI) for the Future Act of 2013 H.R.2661 - The Fair Student Credit Act of 2013 S.1803 - Student Loan Borrower Bill of Rights House Joint Resolution 59 - The Bipartisan Budget Act of 2013 S.2432 - Bank on Students Emergency Loan Refinancing Act H.R.4511 - Protecting Students from Automatic Default Act S.2448 - Service Member Wishes Education Protection Act Higher Education Affordability Act/Issues Related to Reauthorization of the Higher Education Act Issues Related to Postal Service S.1486 - The Postal Reform Act of 2014Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Rules of Practice for Adjudication Proceeding, 12 CFR Part 1081 CFPBs Larger Participant Rulemaking, 12 CFR Part 1090 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to Telephone Consumer Protection Act Issues related to the Higher Education Act Section 487(a)(2) of Higher Education Act Campus cards Issues related to the Servicemembers Civil Relief Act Issues related to proposed changes to the Military Lending Act Pub. L. 109-364, by regulation 79 FR 58601 (September 29, 2014)

Client expense: $990,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

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

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

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

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

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

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

General credit union issues; H.R. 688, legislation to adjust the cap on credit union lending to small businesses; H.R. 719, legislation to allow credit union additional capital; and, HR 749 and S 635, legislation to eliminate unnecessary privacy act notifications. Monitor H.R. 3468 to provide partity for credit unions trust accounts.

Client expense: Not reported · Firm income: $15,000

Government targets: HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

H.R. 83, Consolidated and Further Continuing Appropriations Act, 2015 H.R. 491, Global Online Freedom Act of 2013 H.R. 624, Cyber Intelligence Sharing and Protection Act H.R. 684 / S. 336, Marketplace Fairness Act of 2013 H.R. 749, Eliminate Privacy Notice Confusion Act H.R. 756, Cyber-Security Enhancement Act of 2013 H.R. 983, Online Communications and Geolocation Protection Act H.R. 1123 / S. 517, Unlocking Consumer Choice and Wireless Competition Act H.R. 1312 / S. 639, Geolocational Privacy and Surveillance Act H.R. 1468, SECURE IT H.R. 1847 / S. 607, Electronic Communications Privacy Act Amendments Act of 2013 H.R. 1852, Email Privacy Act H.R. 3696, National Cybersecurity and Critical Infrastructure Protection Act of 2014 H.R. 3724 / S. 1364, Digital Goods and Services Tax Fairness Act of 2013 H.R. 3990 / S. 1897, Personal Data Privacy and Security Act of 2014 H.R. 4711 / S. 2378, Commercial Privacy Bill of Rights Act of 2014 S. 467, Wireless Device Independence Act of 2013 S. 635, Privacy Notice Modernization Act of 2013 S. 1193, Data Security and Breach Notification Act of 2013 S. 1353, Cybersecurity Enhancement Act of 2014 S. 1379, Federal Communications Commission Consolidated Reporting Act of 2013 S. 1927, Data Security Act of 2014 S. 1976, Data Security and Breach Notification Act of 2014 S. 1989, Federal Communications Commission Process Reform Act of 2014 S. 1995, Personal Data Protection and Breach Accountability Act of 2014 S. 2171, Location Privacy Protection Act of 2014 S. 2437, Commerce, Justice, Science, and Related Agencies Appropriations Act, 2015 S. 2519, National Cybersecurity Protection Act of 2014 S. 2521, Federal Information Security Modernization Act of 2014 S. 2588, Cybersecurity Information Sharing Act of 2014 Draft legislation titled Remote Transaction Parity Act of 2014 Data Security and Breach Notification Act of 2014 (discussion draft) 21st Century Cyber Threats, House Judiciary Committee (discussion draft) Fiscal Year 2015 Appropriations legislation, including provisions relating to IP enforcement funding Various issues relating to modernization of the Telephone Consumer Protection Act (P.L. 108-10); Executive Order 13636, Improving Critical Infrastructure Cybersecurity, including data breach provisions; Trans-Pacific Partnership (TPP) Agreement; Office of the Intellectual Property Enforcement Coordinator and the National Intellectual Property Rights Coordination Center; securing clarification that criminal copyright infringement through unauthorized streaming is a felony; National Institute of Standards and Technology (NIST) preliminary cybersecurity framework; transition of National Telecommunications and Information Administration (NTIA) stewardship of the Internet Assigned Numbers Authority (IANA) functions; House Judiciary Committee Principles on Internet Sales Tax; ICANN's gTLD program; White House big data review; distinguishing national security related privacy from commercial privacy practices; cell phone geotracking; privacy legislation; cybersecurity; net neutrality; data breach

Client expense: $21,250,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Product Safety Commission (CPSC), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Bureau of Investigation (FBI), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), General Services Administration (GSA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Institute of Standards & Technology (NIST), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Occupational Safety & Health Administration (OSHA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Fish & Wildlife Service (USFWS), U.S. Forest Service, U.S. Trade Representative (USTR), White House Office

Anti Money Laundering (AML)/Regulator Relief; Financial Services and General Government appropriations; Credit Card/Interchange Fees; Retirement Security/Annuities, Department of Labor definition of fiduciary duty; Data Breach; H.R. 749, Eliminate Privacy Notice Confusion Act; S. 1927 Data Security Act of 2014; S.1193 Data Security and Breach Notification Act of 2013, H.R. 3211 Mortgage Choice Act of 2013; S. 1577 - Mortgage Choice Act, Fair Credit Reporting Act Changes.Government Sponsored Enterprise (GSE) Reform; Arbitration fairness; Regulatory Restructuring; Structure and Activities of the Office of Financial Research Implementation of Proprietary Trading and Funds Investments Restrictions of the Proposed Volcker Rule H.R. 1105, Small Business Capital Access & Job Preservation Act; H.R. 2457 - Basel III, The Determination of Appropriate Risk-Based Capital Requirements for Community Financial Institutions Act of 2013 Line 17 Continued: Consumer Financial Protection Bureau (CFPB)

Client expense: $1,350,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Farm Credit Administration, Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Antitrust: -Issues related to the McCarran Ferguson antitrust exemption for insurers: impact to employer-provided benefits, and supplemental and voluntary benefits insurance industry -H.R.99 Health Insurance Industry Antitrust Enforcement Act 2013: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry ERISA: -Issues related to regulation of employee benefits under the Employee Retirement Income Security Act and legislation impacting ERISA plans -Clarification of permissibility of default enrollment arrangements for group income protection insurance under ERISA and /or the Fair Labor Standards Act Federal Debt Limit: -Debt Limit Increase: impact on employer-sponsored financial protection benefits industry -S.11 Fiscal Sustainability Act of 2013: impact on employer-sponsored financial protection benefits industry -American Taxpayer Relief Act of 2012, fiscal cliff: impact on employer-sponsored financial protection benefits industry Financial Services Regulation: -Dodd-Frank Wall Street Reform and Consumer Protection Act implementation: impact on employer-sponsored financial protection benefits industry -Consumer Financial Protection Bureau Interim Final Rule of Records and Information: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Criteria and process for designating nonbank financial companies: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -FY 2014 budget proposals: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Terrorism Risk Insurance Act, specifically provisions related to the proposed National Association of Registered Agents and Brokers (NARAB) Health Care: -Implementation of the Patient Protection and Affordable Care Act, including HHS FAQ regarding fixed indemnity products and other provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Loss ratios: issues related to employer-provided benefits, and supplemental and voluntary benefits insurance industry -The Health Information Technology for Economic and Clinical Health Act (HITECH) Act: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Issues related to wellness programs Labor: -Labor issues impacting large employers, including worker classification and amendments to the Fair Labor Standards Act -S.534 National Association of Registered Agents and Brokers Reform Act of 2013: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -H.R.1155 National Association of Registered Agents and Brokers Reform Act of 2013: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Disability insurance auto enrollment: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry Long-term Care: -Issues related to public and private programs providing long-term care services and insurance, including LTC Commission and repeal of the CLASS Act Privacy: -Privacy and Data breach, cyber security, and SSN protection -H.R.749 - Eliminate Privacy Notice Confusion Act of 2013 -S.676 - Identity Theft and Tax Fraud Prevention Act of 2013 (Death Master File): impact on employer-sponsored financial protection benefits industry -H.R.466 - Social Security Death Master File Privacy Act of 2013: impact on employer-sponsored financial protection benefits industry -H.R. 624 - Cyber Intelligence Sharing and Protection Act of 2013 -H.R.1468 - SECURE IT Act of 2013 SSDI Reform: -H.R.1374 - Social Security Enhancement and Protection Act of 2013: impact on employer-sponsored financial protection benefits industry -Short-term Disability for Federal Workers Bill: impact on employer-sponsored financial protection benefits industry -Increasing employment for people with disabilities Tax Reform: -Corporate tax issues -Deficit reduction -Taxation of Employer Provided Benefits: impact to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Tax Extender Package -Taxation and entitlement reform issues related to the budget agreement reached in December, 2013: impact to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Chairman Dave Camps tax reform discussion draft

Client expense: $120,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), SENATE, Treasury, Dept of, White House Office

Issues relating to: HR 1194 - National Flood Insurance Termination Act of 2013; HR 749 -Eliminate Privacy Notice Confusion Act;

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 474, the Swaps Regulatory Improvement Act (all provisions) S. 635, the Privacy Notice Modernization Act of 2013 (all provisions) S. 710, the Municipal Advisors Relief Act of 2013 (all provisions to exempt commercial banks and savings and loan associations from the Dodd-Frank Act provisions requiring regulation of municipal advisors) S. 731, the Basel III CASE Act (all provisions) S. 737, the Basel III Impact Study Act (all provisions) S. 798, the Terminating Bailouts for Taxpayer Fairness Act of 2013 (all provisions) S. 872, the Holding Company Registration Threshold Equalization Act of 2013 (provisions to extend to savings and loan holding companies the new SEC shareholder registration and deregistration thresholds under the JOBS Act) S. 968, the Small Business Lending Enhancement Act of 2013 (all provisions to increase credit union business lending limits) H.R. 613, the Systemic Risk Mitigation Act (all provisions) H.R. 634, Business Risk Mitigation and Price Stabilization Act of 2013 (provisions to clarify that end users would not be subject to margin requirements for un-cleared swaps) H.R. 677, the Inter-Affiliate Swap Clarification Act (all provisions H.R. 701, to amend a provision of the Securities Act of 1933 directing the Securities and Exchange Commission to add a particular class of securities to those exempted under such Act to provide a deadline for such action H.R. 742, the Swap Data Repository and Clearinghouse Indemnification Correction Act H.R. 749, the Eliminate Privacy Notice Confusion Act (all provisions) H.R.797, the Municipal Advisor Oversight Improvement Act of 2013 H.R. 801, the Holding Company Registration Threshold Equalization Act of 2013 (all provisions) H.R. 992, the Swaps Regulatory Improvement Act (all provisions) H.R. 1003, to provide for a full assessment of the costs and benefits of Commodity Futures Trading Commission (CFTC) regulations H.R. 1062, the SEC Regulatory Accountability Act (all provisions to require the SEC to do a thorough cost-benefit analysis before proposing a new regulation) H.R. 1256, the Swap Jurisdiction Certainty Act H.R. 1341, the Financial Competitive Act of 2013 (all provisions) H.R. 1553, the Financial Institutions Examination Fairness and Reform Act (all provisions) H.R. 1750, the Community Lending Enhancement and Regulatory Relief Act H.R. 2672, the CFPB Rural Designation Petition and Correction Act H.R. 3584, to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, and for other purposes H.R. 3329, 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. Draft Senate legislation to exempt commercial banks from municipal advisor regulation Discussion Draft of the Swap Jurisdiction Certainty Act (all provisions) Draft legislation that would require the Treasury Department to determine which commercial banks, investment banks, hedge funds, and insurance companies are too-big-to-fail, and to break up those institutions within one year. Clarity in Regulations Discussion Draft H. Res. 496, Recognizing the importance of savings to financial security. S. 1927, Data Security Act of 2014 S. 2114, Bond Transparency Act of 2014 H.R. 4252, Mutual Bank Choice and Continuity Act of 2014 H.R. 4569, Disclosure Modernization and Simplification Act of 2014 H.R. 4466, Financial Regulatory Clarity Act of 2014 S. 2698, Regulatory Easement for Lending Institutions that Enable a Vibrant Economy Act of 2014 H.R. 5758, Financial Institution Customer Protection Act of 2014 H.R. 5786, Small Financial Institutions Regulatory Relief Act of 2014 S. 2976, Derivatives End-Users Clarification Act

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

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

H.R. 1450 Too-Big-to-Fail, Too-Big-to Exist Act; H.R. 1553 to improve the examination of Depository Institutions; S 685 Too-Big-to-Exist Act; S 727 A bill to improve the examination of depository institutions; S 731 and S 737 Basel III Study Bills; H.R. 508 Terrorism Risk Insurance Act of 202 Re-authorization Act of 2013; H.R. 613 Systemic Risk Mitigation Act; H.R. 677 Inter-affiliate Swap Clarification Act; H.R. 688 Credit Union Small Business Jobs Creation Act; H.R. 749 Eliminate privacy Notice Confusion Act; H.R. 992 Swaps Regulatory Improvement Act; H.R. 1221 Basel II Capital Impact Study Act; H.R. 1256 Swap Jurisdiction Certainty Act of 2013; S 474 Swaps Regulatory Improvement Act; S 635 Privacy Notice Modernization Act of 2013; S. 798-TBTF Act; H.R. 450 Bureau of Consumer Financial Protection Accountability Act; S. 1217 Housing Finance Reform and Taxpayer Protection Act of 2013; H.R. 2410 Agriculture Rural Development, Food and Drug Administration and Related Agencies Appropriations Act, 2014; H.R. 3211, the "Mortgage Choice Act of 2013"; H.R. 3036 "To Amend and 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"; Homeowner Flood Insurance Affordability Act of 2014; H.R. 4060 Systemic Risk Designation Improvement Act of 2014; TRIA Re-authorized Bills, H.R. 4871 and S. 2244; "export-Import bank Re-authorization"; H.R. 2673, the Portfolio Lending and Mortgage Access Act; H.R. 5016, Financial Services and General Government Appropriations Act of 2015.

Client expense: $80,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Interchange fees - proposals to regulate fees charged by financial institutions to merchants for card acceptance Issues generally related to the Consumer Financial Protection Bureau (CFPB) H.R. 749, Eliminate Privacy Notice Confusion Act, provisions related to delivery of annual privacy notices to consumers S. 635, Privacy Notice Modernization Act of 2013, provisions related to delivery of annual privacy notices to consumersS. 1927 the Data Security Act of 2014, provisions related to breach notification S. 1897 the Personal Data Privacy and Security Act of 2014, provisions related to breach notification S. 1976 the Data Security and Breach Notification Act of 2014, provisions related to breach notification Regulation of reloadable prepaid products S. 1999 the SCRA Rights Protection Act of 2014, provisions related to arbitration H.R. 4662, Bureau Advisory Opinion Act, provisions to amend the Consumer Financial Protection Act of 2010 to establish an advisory opinion process for the Bureau of Consumer Financial Protection H.R. 4060, the Systemic Risk Designation Improvement Act of 2014

Client expense: $210,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Small Business Administration (SBA), Treasury, Dept of, White House Office

Issues related to traditional banking and bank regulation including the following legislation: Eliminate Privacy Notice Confusion Act (HR 749); Financial Regulatory Responsibility Act of 2013 (S 450); Dodd-Frank Wall Street Reform and Consumer Protection Technical Corrections Act of 2013 (S 451); Privacy Notice Modernization Act of 2013 (S 635); Housing Finance Reform and Taxpayer Protection Act of 2013 (S 1217); Protecting American Taxpayers and Homeowners Act of 2013 (HR 2767).

Client expense: $900,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Loans for component suppliers PL 111-203: Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 634: Business Risk Mitigation and Price Stabilization Act of 2013 H.R. 677: Inter-Affiliate Swap Clarification ActHR. 6125: To amend the Federal Deposit Insurance Act and the Federal Credit Union Act with respect to privilege of information S.888 - A bill to provide end user exemptions from certain provisions of the Commodity Exchange Act and the Securities Exchange Act of 1934. H.R. 4413 The Customer Protection and End-User Relief Act of 2014 H.R. 5062 - Examination and Supervisory Privilege Parity Act of 2014 H.R. 749 - Eliminate Privacy Notice Confusion Act H.R.5405 - Promoting Job Creation and Reducing Small Business Burdens Act H.R.5461 - To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes. H.R. 4811 - Bureau Guidance Transparency Act H.R.5403 - Reforming CFPB Indirect Auto Financing Guidance Act S. 2976 - Derivatives End-Users Clarification Act S. 2244 - Terrorism Risk Insurance Program Reauthorization Act of 2014

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

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

PL 111-203: Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 634: Business Risk Mitigation and Price Stabilization Act of 2013 H.R. 677: Inter-Affiliate Swap Clarification Act S. 888 A Bill to provide end-user exemptions from certain provisions of the commodity exchange Act & the Security Exchange ActH.R. 4413 The Customer Protection and End-User Relief Act of 2014 H.R. 5062 - Examination and Supervisory Privilege Parity Act of 2014 H.R. 749 - Eliminate Privacy Notice Confusion Act H.R.5405 - Promoting Job Creation and Reducing Small Business Burdens Act H.R.5461 - To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes. H.R. 4811 - Bureau Guidance Transparency Act H.R.5403 - Reforming CFPB Indirect Auto Financing Guidance Act S. 2976 - Derivatives End-Users Clarification Act S. 2244 - Terrorism Risk Insurance Program Reauthorization Act of 2014

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

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

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

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

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

H.R. 688 (Credit Union Small Business Jobs Creation Act) H.R. 719 (Capital Access for Small Businesses and Jobs Act) H.R. 749 (Eliminate Privacy Notice Confusion Act) S. 635 (Privacy Notice Modernization Act of 2013) Tax reform, cybersecurity, and data breach

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 688 (Credit Union Small Business Jobs Creation Act) H.R. 719 (Capital Access for Small Businesses and Jobs Act) H.R. 749 (Eliminate Privacy Notice Confusion Act) S. 635 (Privacy Notice Modernization Act of 2013) Tax reform, cybersecurity, and data breach

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 688 (Credit Union Small Business Jobs Creation Act) H.R. 719 (Capital Access for Small Businesses and Jobs Act) H.R. 749 (Eliminate Privacy Notice Confusion Act) S. 635 (Privacy Notice Modernization Act of 2013) Tax reform, cybersecurity, and data breach

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 688 (Credit Union Small Business Jobs Creation Act) H.R. 719 (Capital Access for Small Businesses and Jobs Act) H.R. 749 (Eliminate Privacy Notice Confusion Act) S. 635 (Privacy Notice Modernization Act of 2013) Tax reform, cybersecurity, and data breach

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 688 (Credit Union Small Business Jobs Creation Act) H.R. 719 (Capital Access for Small Businesses and Jobs Act) H.R. 749 (Eliminate Privacy Notice Confusion Act) S. 635 (Privacy Notice Modernization Act of 2013) Matters impacting DCUC member credit union operations on military bases and those issues pertaining to the provision of financial services to the military community. 2006 Talent amendment regarding lending near military bases Military Lending Act, payday lending, tax reform, cybersecurity and data breach

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 688 (Credit Union Small Business Jobs Creation Act) H.R. 719 (Capital Access for Small Businesses and Jobs Act) H.R. 749 (Eliminate Privacy Notice Confusion Act) S. 635 (Privacy Notice Modernization Act of 2013) Tax reform, cybersecurity, and data breach

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 749 (Eliminate Privacy Notice Confusion Act) S. 635 (Privacy Notice Modernization Act of 2013) Risk rention, Government-Sponsored Enterprise reform, tax reform

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 688 (Credit Union Small Business Jobs Creation Act) H.R. 719 (Capital Access for Small Businesses and Jobs Act) H.R. 749 (Eliminate Privacy Notice Confusion Act) S. 635 (Privacy Notice Modernization Act of 2013) Tax reform, cybersecurity, and data breach

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 688 (Credit Union Small Business Jobs Creation Act) H.R. 719 (Capital Access for Small Businesses and Jobs Act) H.R. 749 (Eliminate Privacy Notice Confusion Act) S. 635 (Privacy Notice Modernization Act of 2013) Tax reform, cybersecurity, and data breach

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1999 - Servicemembers Civil Relief Act (SCRA) Rights Protection Act of 2014 S. 1927 - Data Privacy and Security Act of 2014 H.R. 4068 - A bill to amend the SCRA S. 1995 - Personal Data Protection and Breach Accountability Act of 2014 Dodd-Frank Consumer Protection and Wall Street Reform Act implementation, including, but not limited to, interchange fees, brokered deposits, Volcker Rule, mortgage reforms, credit and debit products, consumer disclosures and capital standards. H.R. 749 - The Eliminate Privacy Notice Confusion Act S. 1217 - The Housing Finance Reform and Taxpayer Protection Act S. 635 - The Privacy Notice Modernization Act of 2013 H.R. 4510 - The Insurance Capital Standards Clarification Act of 2014 S. 2270 - A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. The following additional agency was contacted in connection with this issue code: the Consumer Financial Protection Bureau (CFPB).

Client expense: $760,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of

S. 1999 - Servicemembers Civil Relief Act (SCRA) Rights Protection Act of 2014 S. 1927 - Data Privacy and Security Act of 2014 H.R. 4068 - A bill to amend the SCRA S. 1995 - Personal Data Protection and Breach Accountability Act of 2014 Dodd-Frank Consumer Protection and Wall Street Reform Act implementation, including, but not limited to, interchange fees, brokered deposits, Volcker Rule, mortgage reforms, credit and debit products, consumer disclosures and capital standards. H.R. 749 - The Eliminate Privacy Notice Confusion Act H.R. 468 - The Federal Life Insurance Transparency Act S. 635 - The Privacy Notice Modernization Act of 2013 H.R. 4669 - The Servicemembers Insurance Relief Act of 2014 The following additional agency was contacted in connection with this issue code: the Consumer Financial Protection Bureau (CFPB).

Client expense: $760,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of

Dodd-Frank Consumer Protection and Wall Street Reform Act implementation, including, but not limited to, interchange fees, brokered deposits, Volcker Rule, mortgage reforms, credit and debit products, consumer disclosures and capital standards. H.R. 749 - The Eliminate Privacy Notice Confusion Act S. 635 - The Privacy Notice Modernization Act of 2013 H.R. 2767 - The Protecting American Taxpayers and Homeowners Act of 2013 H.R. 789 - The Build America Bonds Act of 2013 S. 1217 - The Housing Finance Reform and Taxpayer Protection Act H.R. 4510 - The Insurance Capital Standards Clarification Act of 2014 S. 2270 - A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. H.R. 5461 - To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. The following additional agency was contacted in connection with this issue code: the Consumer Financial Protection Bureau (CFPB).

Client expense: $760,000 · Firm income: Not reported

Government targets: Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of

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

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

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

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

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

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

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. H.AMDT.64 to H.R. 1062, Amendment expresses the sense of Congress that rules adopted by the Public Company Accounting Oversight Board (PCAOB) comply with the same standards required of the SEC. It also requires the SEC to ensure that any rules adopted by the Municipal Securities Rulemaking Board (MSRB), and other national securities associations comply with the standards set forth in the bill. Issue: FINRA, Securities Rulemaking Draft H.AMDT to HR 2610, Transportation, Housing & Urban Development Appropriations, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. H.R._____, Draft legislation on the development of global insurance standards. Issue: global insurance standards. H.Res.735 - Expressing the sense of the House of Representatives that recently proposed measures that will reduce transparency and public participation at the International Association of Insurance Supervisors (IAIS) should be disapproved by United States representatives to the IAIS. Issue: global insurance standards. H.R. 749 - Eliminate Privacy Notice Confusion Act. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, and (2) has not changed its policies and practices with regard to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers. Issue: privacy H.R. 1062, SEC Regulatory Accountability Act. Issue: SEC Rulemaking, Cost-Benefit Analysis, Derivatives H.R. 2140, the Insurance Capital and Accounting Standards Act of 2013. Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) and the Home Owners' Loan Act to make minimum leverage and risk-based capital requirements governing insurance companies under the state law also apply to insurance companies that are either depository holding companies or subsidiaries of depository holding companies. Issue: Capital Standards, Basel III H.R. 2374, the Retail Investor Protection Act. To amend the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. Issue: Fiduciary Duties H.R 2547, the Determination of Appropriate Risk-Based Capital Requirements for Community Financial Institutions Act of 2013. To determine appropriate risk based capital requirements for community, mid-size, and regional institutions. Issue: Capital Standards for Community Banks H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 to prohibit Fannie Mae and Freddie Mac from purchasing, the FHA from insuring, and the Department of Agriculture from guaranteeing, making, or insuring, a mortgage that is secured by a residence or residential structure located in a county in which the State has used the power of eminent domain to take a residential mortgage. Issue: Mortgage Investments H.R. 2767, the Protect American Taxpayers & Homeowners (PATH) Act. Issue: Mortgage Investments and Government Sponsored Enterprises/Federal Home Loan Banks H.R. 4510 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 4557 - Policyholder Protection Act of 2014. To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. Issue: Source of strength Provision in H.R. 4745, Transportation, Housing & Urban Development Appropriations, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. H.R. 4881, a bill to place a 6-month moratorium on the authority of the Financial Stability Oversight Council to make financial stability determinations. Issue: Global insurance standards. H.R. 5016 - Financial Services and General Government Appropriations Act, 2015. Making appropriations for financial services and general government for the fiscal year ending September 30, 2015, and for other purposes. Issue: Global insurance standards H.R. 5018 - Federal Reserve Accountability and Transparency Act of 2014. This bill amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System. Issue: global insurance standards. H.R. 5421 - Financial Institution Bankruptcy Act of 2014. To amend title 11 of the United States Code in order to facilitate the resolution of an insolvent financial institution in bankruptcy. Issue: early termination rights. S.Res. 561 - A resolution expressing the sense of the Senate that recently proposed measures that will reduce transparency and public participation at the International Association of Insurance Supervisors (IAIS) should be disapproved by United States representatives to the IAIS. Issue: global insurance standards. S. 635 - Privacy Notice Modernization Act of 2013. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual written privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, (2) has not changed its policies and practices with respect to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers, and (3) otherwise provides customers access to such most recent disclosure in electronic or other form permitted by specified regulations. Issue: privacy S. 731, the Basel III CASE Act. Directs the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency, before issuing any final rule in relation to proposals they have issued for the International Basel III agreement on general risk-based capital requirements, to conduct an empirical study that includes: (1) a quantitative analysis of the rule's impact on the U.S. financial services sector, specifically community, mid-size, and regional financial institutions; and (2) a determination of the long-term impact of the rule, including changes to the current risk weight framework. Issue: Capital Standards for Community Banks S. 798, TBTF Act. Requires federal banking agencies to establish capital requirements for the ratio of equity capital to total consolidated assets for all financial institutions. Issue: Capital Standards S. 1217- Housing Finance Reform and Taxpayer Protection Act of 2013. Authorizes the Federal Mortgage Insurance Corporation to provide insurance to any covered security regardless of whether it has satisfied credit-risk sharing requirements if unusual and exigent circumstances have created an anomalous lack of mortgage credit availability. Issue: Government Sponsored Enterprises. Senate ADMT to S. 1217-Housing Finance Reform and Taxpayer Protection Act of 2014. To provide for prohibitions relating to the use of the power of eminent domain. Issue: Mortgage Investments S. 1369, a bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance. Issue: Capital Standards S. 2102, a bill to clarify the application of certain leverage and risk based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Capital Standards. S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Draft Senate bill on Financial Services and General Government Appropriations Act, 2015. Making appropriations for financial services and general government for the fiscal year ending September 30, 2015, and for other purposes. Issue: Global insurance standards Margin and capital requirements for covered swap entities proposed rule. Issue: eligible collateral. No bill number assigned. Issue: Federal Housing Finance Agency proposed rule on federal home loan bank membership. No bill number assigned. Issue: Holocaust era insurance policy claims. No bill number assigned. Issue: Covered agreements on prudential measurers with respect to the business of insurance and reinsurance. No bill number assigned. Tracking: H.R. 634, the Business Risk Mitigation and Price Stabilization Act of 2013. Issue: Derivatives, DFA Title VII

Client expense: $1,440,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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 Home Loan Bank membership requirements. 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: $65,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA)

H.R.5479, To amend the Fair Credit Reporting Act to require public disclosure of the method used to calculate consumer credit scores and inclusion of debt settlement agreements in consumer reports. H.R.5637, Consumer Debt Forgiveness Tax Relief Act of 2014. Issues related to financial services and banking.Monitored the following bills: H.R.749, Eliminate Privacy Notice Confusion Act, S.635, Privacy Notice Modernization Act of 2013, H.R.3402, Fair Debt Collection Improvement Act, H.R.2892, Fair Debt Collection Practices Technical Clarification Act of 2013, H.R.2211, Accuracy in Reporting Medical Debt Act of 2013, H.R.2909, United States Call Center Worker and Consumer Protection Act of 2013.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Antitrust: -Issues related to the McCarran Ferguson antitrust exemption for insurers: impact to employer-provided benefits, and supplemental and voluntary benefits insurance industry -H.R.99 Health Insurance Industry Antitrust Enforcement Act 2013: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry ERISA: -Issues related to regulation of employee benefits under the Employee Retirement Income Security Act and legislation impacting ERISA plans -Clarification of permissibility of default enrollment arrangements for group income protection insurance under ERISA and /or the Fair Labor Standards Act Federal Debt Limit: -Debt Limit Increase: impact on employer-sponsored financial protection benefits industry -S.11 Fiscal Sustainability Act of 2013: impact on employer-sponsored financial protection benefits industry -American Taxpayer Relief Act of 2012, fiscal cliff: impact on employer-sponsored financial protection benefits industry Financial Services Regulation: -Dodd-Frank Wall Street Reform and Consumer Protection Act implementation: impact on employer-sponsored financial protection benefits industry -Consumer Financial Protection Bureau Interim Final Rule of Records and Information: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Criteria and process for designating nonbank financial companies: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -FY 2014 budget proposals: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Terrorism Risk Insurance Act, specifically provisions related to the proposed National Association of Registered Agents and Brokers (NARAB) Health Care: -Implementation of the Patient Protection and Affordable Care Act, including HHS FAQ regarding fixed indemnity products and other provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Loss ratios: issues related to employer-provided benefits, and supplemental and voluntary benefits insurance industry -The Health Information Technology for Economic and Clinical Health Act (HITECH) Act: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Issues related to wellness programs Labor: -Labor issues impacting large employers, including worker classification and amendments to the Fair Labor Standards Act -S.534 National Association of Registered Agents and Brokers Reform Act of 2013: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -H.R.1155 National Association of Registered Agents and Brokers Reform Act of 2013: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Disability insurance auto enrollment: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry Long-term Care: -Issues related to public and private programs providing long-term care services and insurance, including LTC Commission and repeal of the CLASS Act Privacy: -Privacy and Data breach, cyber security, and SSN protection -H.R.749 - Eliminate Privacy Notice Confusion Act of 2013 -S.676 - Identity Theft and Tax Fraud Prevention Act of 2013 (Death Master File): impact on employer-sponsored financial protection benefits industry -H.R.466 - Social Security Death Master File Privacy Act of 2013: impact on employer-sponsored financial protection benefits industry -H.R. 624 - Cyber Intelligence Sharing and Protection Act of 2013 -H.R.1468 - SECURE IT Act of 2013 SSDI Reform: -H.R.1374 - Social Security Enhancement and Protection Act of 2013: impact on employer-sponsored financial protection benefits industry -Short-term Disability for Federal Workers Bill: impact on employer-sponsored financial protection benefits industry -Increasing employment for people with disabilities Tax Reform: -Corporate tax issues -Deficit reduction -Taxation of Employer Provided Benefits: impact to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Tax Extender Package -Taxation and entitlement reform issues related to the budget agreement reached in December, 2013: impact to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Chairman Dave Camps tax reform discussion draft

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

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), SENATE, Treasury, Dept of, White House Office

Antitrust: -Issues related to the McCarran Ferguson antitrust exemption for insurers: impact to employer-provided benefits, and supplemental and voluntary benefits insurance industry -H.R.99 Health Insurance Industry Antitrust Enforcement Act 2013: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry ERISA: -Issues related to regulation of employee benefits under the Employee Retirement Income Security Act and legislation impacting ERISA plans -Clarification of permissibility of default enrollment arrangements for group income protection insurance under ERISA and /or the Fair Labor Standards Act Federal Debt Limit: -Debt Limit Increase: impact on employer-sponsored financial protection benefits industry -S.11 Fiscal Sustainability Act of 2013: impact on employer-sponsored financial protection benefits industry -American Taxpayer Relief Act of 2012, fiscal cliff: impact on employer-sponsored financial protection benefits industry Financial Regulation: -Dodd-Frank Wall Street Reform and Consumer Protection Act implementation: impact on employer-sponsored financial protection benefits industry -Consumer Financial Protection Bureau Interim Final Rule of Records and Information: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Criteria and process for designating nonbank financial companies: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -FY 2014 budget proposals: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry Health Care: -Implementation of the Patient Protection and Affordable Care Act, including HHS FAQ regarding fixed indemnity products and other provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Loss ratios: issues related to employer-provided benefits, and supplemental and voluntary benefits insurance industry -The Health Information Technology for Economic and Clinical Health Act (HITECH) Act: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Issues related to wellness programs Labor: -Labor issues impacting large employers, including worker classification and amendments to the Fair Labor Standards Act -S.534 National Association of Registered Agents and Brokers Reform Act of 2013: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry -H.R.1155 National Association of Registered Agents and Brokers Reform Act of 2013: provisions relating to employer-provided benefits, and supplemental and voluntary benefits insurance industry Long-term Care: -Issues related to public and private programs providing long-term care services and insurance, including LTC Commission and repeal of the CLASS Act Privacy: -Privacy and Data breach, cyber security, and SSN protection -H.R.749 - Eliminate Privacy Notice Confusion Act of 2013 -S.676 - Identity Theft and Tax Fraud Prevention Act of 2013 (Death Master File): impact on employer-sponsored financial protection benefits industry -H.R.466 - Social Security Death Master File Privacy Act of 2013: impact on employer-sponsored financial protection benefits industry -H.R. 624 - Cyber Intelligence Sharing and Protection Act of 2013 -H.R.1468 - SECURE IT Act of 2013 SSDI Reform: -H.R.1374 - Social Security Enhancement and Protection Act of 2013: impact on employer-sponsored financial protection benefits industry -Short-term Disability for Federal Workers Bill: impact on employer-sponsored financial protection benefits industry -Increasing employment for people with disabilities Tax Reform: -Corporate tax issues -Deficit reduction -Taxation of Employer Provided Benefits: impact to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Tax Extender Package -Taxation and entitlement reform issues related to the budget agreement reached in December, 2013: impact to employer-provided benefits, and supplemental and voluntary benefits insurance industry -Chairman Dave Camps tax reform discussion draft

Client expense: $360,000 · Firm income: Not reported

Government targets: Administration for Children & Families (ACF), SENATE, Social Security Administration (SSA), Treasury, Dept of

HR 749, S 635 The Eliminate Privacy Notice Confusion Act - we support these bills to eliminate costly, unnecessary and confusing annual privacy notices when no changes in privacy policy have occurred.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Small Business Lending Enhancement Act (S. 968), Credit Union Small Business Jobs Creation Act (H.R. 688): Advocated for adoption of this bill, which would allow Credit Unions make more member businesses. Privacy Notification Modernization Act (S. 635, H.R. 749): Advocated for adoption of the legislation, which would require privacy notice to be sent to credit union members only if there has been a change in the privacy policy from the previous year. Credit Union Share Insurance Fund Parity Act (S. 2699, H.R. 3468): Advocated for adoption of the legislation, which would direct the National Credit Union Administration to issue a regulation to extend share insurance coverage to these accounts held by credit union members, providing parity with similar accounts insured by the FDIC. Capital Access for Small Community Financial Insitutions Act (S. 1806, H.R. 3584): Advocated for adoption of the legislation, which corrects a drafting error in a 1989 bill that inadvertently omitted priveately insured credit unions' access to the Federal Home Loan Bank System. loans as a percentage of the credit union's total assets or net worth.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Please see addendum.Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs proposed rule on credit union service organizations Issues related to NCUAs rule on net worth and bargain purchase agreements Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs proposed rule regarding loan participations Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to derivatives and NCUAs proposed rule related to credit union use of derivatives Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues related to NCUAs Minority Depository Institution program Issues relating to home-based credit unions Issues related to NCUAs Appraisal Management Company proposal Issues related to NCUAs risk-based capital proposal Issues related to the Johnson-Crapo Housing Finance Reform proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to Ginnie Mae capital Issues related to the nomination of J. Mark McWatters to be a member of the National Credit Union Administration Board Issues related to a discussion draft of legislation entitled, The Bureau Guidance Transparency Act Issues related to a discussion draft of legislation entitled, Preventing Regulatory Abuse Act of 2014 Issues related to a discussion draft of legislation entitled, Bureau Examination Fairness Act Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System.Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA H.R. 450, Bureau of Consumer Financial Protection Accountability Act, all provisions H.R. 688, Credit Union Small Business Jobs Creation Act of 2013, all provisions H.R. 719, Capital Access for Small Businesses and Jobs Act of 2013, all provisions H.R. 736, Responsible Homeowner Refinancing Act of 2013, all provisions H.R. 749, Eliminate Privacy Notice Confusion Act of 2013, all provisions H.R. 801, Holding Company Registration Threshold Equalization Act of 2013, all provisions H.R. 839, Prompt Notification of Short Sale Act, all provisions H.R. 861, Elder Abuse Victims Act of 2013, all provisions H.R. 927, Common Sense Economic Recovery Act of 2013, all provisions H.R. 1077, Consumer Mortgage Choice Act H.R. 1255, Home Construction Lending Regulatory Improvement Act of 2013, all provisions H.R. 1261, Overdraft Protection Act of 2013, all provisions H.R. 1538, a bill to provide incentives to encourage financial institutions and small businesses to provide continuing financial education to customers, borrowers and employees, all provisions H.R. 1553, Financial Institution Examination Fairness and Reform Act, all provisions H.R. 1566, a bill to create a Federal Charter for Internet consumer credit corporations, all provisions H.R. 1603, a bill to support and promote community financial institutions in the mutual form, all provisions H.R. 1646, a bill to amend the Federal Credit Union Act to provide an exception from the member business loan cap for loans made to aid in the recovery from a disaster, all provisions H.R. 1694, a bill to allow the Secretary of Treasury to rely on State examinations for certain financial institutions, all provisions H.R. 1750, the CLEAR Relief Act, all provisions H.R. 1754, Preserving American Homeownership Act of 2013, all provisions H.R. 1779, Preserving Access to Manufactured Housing Act of 2013, all provisions H.R. 1862, Capital Access for Small Community Financial Institutions, all provisions H.R. 2136, Small Business Credit Availability Act, all provisions H.R. 2295, Basel III CASE Act, all provisions H.R. 2379, Qualified Mortgage Loan Originator Transitional Authority Act, all provisions H.R. 2419, a bill to amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, all provisions H.R. 2512, a bill to amend the Truth in Lending Act to establish clear regulatory standards for mortgage servicers, all provisions H.R. 2547, a bill to determine appropriate risk based capital requirements for community, mid-size, and regional institutions, all provisions H.R. 2561, a bill to provide for the removal of default information form a borrowers credit report with respect to certain rehabilitated education loans, all provisions H.R. 2571, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act to require the Bureau of Consumer Financial Protection to notify and obtain permission from consumers before collecting nonpublic personal information about such consumers, all provisions H.R. 2572, a bill to improve the regulation of credit unions and depository institutions and to provide regulatory relief, all provisions H.R. 2580, a bill to allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters, all provisions H.R. 2652, Marijuana Businesses Access to Banking Act of 2013 H.R. 2672, CFPB Rural Designation Petition and Correction Act H.R. 2673, the Portfolio Lending Mortgage Access Act, all provisions H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013 H.R. 2816, To extend the pilot program under section 258 of the National Housing Act that establishes an automated process for providing alternative credit rating information for mortgagors and prospective mortgagors under certain mortgages. H.R. 2917, Financial Security Credit Act of 2013 H.R. 2961, To amend the Truth in Lending Act and the Higher Education Act of 1965 to require additional disclosures and protections for students and cosigners with respect to student loans, and for other purposes.H.R. 3036, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes. H.R. 3137, Freedom and Mobility in Consumer Banking Act, all provisions H.R. 3310, Annuity Safety and Security under Reasonable Enforcement Act, all provisions H.R. 3312, Homeowners Flood Insurance Relief Act, all provisions H.R. 3317, Holding Individual Accountable and Deterring Money Laundering Act, all provisions H.R. 3329, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, all provisions. H.R. 3370, Homeowner Flood Insurance Affordability Act, all provisions H.R. 3374, the American Savings Promotion Act, all provisions H.R. 3468, the Credit Union Share Insurance Parity Act, all provisions H.R. 3584, a bill to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, all provisions H.R. 3770, Inspector General Act H.R. 4042, Community Bank Mortgage Servicing Asset Capital Requirements Study Act, all provisions H.R. 4167, the Restoring Proven Financing for American Employers Act H.R. 4226, Credit Union Residential Loan Parity Act, all provisions H.R. 4466, the Financial Regulatory Clarity Act of 2014 H.R. 4521, the Community Institution Mortgage Relief Act, all provisions H.R. 4626, the SAFE Act Confidentiality and Privilege Enhancement Act, all provisions H.R. 4804, the Bureau Examination Fairness Act, all provisions H.R. 4986, End Operation Choke Point Act, all provisions H.R. 5148, Access to Affordable Mortgages Act, all provisions H.R. 5403, Reforming CFPB Indirect Auto Financing Guidance Act, all provisions H.R. 5461, the Insurance Capital Standards Clarification Act of 2014 H.R. 5758, Financial Institutions Customer Protection Act of 2014 Kildee Amendment to H.R. 1960, National Defense Authorization Act, related to disclosures required under the Military Lending Act S. 113, Know Before You Owe Private Student Loan Act, all provisions S. 114, Fairness for Struggling Student Act, all provisions S. 172, Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2013, all provisions S. 187, Deceptive Loan Check Elimination Act, all provisions S. 205, Responsible Consumer Financial Protection Regulations Act of 2013, all provisions S. 249, Responsible Homeowner Refinancing Act of 2013, all provisions S. 361, Prompt Notification of Short Sale Act of 2013, all provisions S. 450, Financial Regulatory Responsibility Act of 2013, all provisions S. 451, a bill to make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions S. 563, Jumpstart GSE Reform Act, all provisions S. 635, Privacy Notice Modernization Act of 2013, all provisions S. 673, Protecting Consumers from Unreasonable Credit Rates Act, all provisions S. 676, Identity Theft and Tax Fraud Prevention Act of 2013, all provisions S. 727, Financial Institutions Examination Fairness and Reform Act, all provisions S. 731, Basel III CASE Act, all provisions S. 733, Basel III Impact Study Act, all provisions S. 798, Terminating Bailouts for Taxpayer Fairness Act, all provisions S. 872, Holding Company Registration Threshold Equalization Act, all provisions S. 947, SAFE Act Confidentiality and Privilege Enhancement Act, all provisions S. 968, Small Business Lending Enhancement Act, all provisions S. 985, a bill to repeal certain provisions of the Gramm-Leach-Bliley Act and revive the separation between commercial banking and the securities business, in the manner provided in the Banking Act of 1933, the so-called "Glass-Steagall Act," all provisionsS. 996, a bill to improve the National Flood Insurance Program, all provisions S. 1002, Home Building Lending Improvement Act, all provisions S. 1048, the Mortgage Finance Act, all provisions S. 1098, a bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership, all provisions S. 1176, a bill to impose a fine with respect to international remittance transfers if the sender is unable to verify legal status in the United States, all provisions S. 1217, Housing Finance Reform and Taxpayer Protection Act, all provisions S. 1229, a bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, all provisions S. 1282, 21st Century Glass-Steagall Act of 2013 S. 1349, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. S. 1511, the Mortgage Choice Act, all provisions S. 1534, Freedom and Mobility in Consumer Banking Act, all provisions S. 1538, FIX Credit Reporting Errors Act, all provisions S. 1577, Mortgage Choice Act, all provisions S. 1597, the American Savings Promotion Act, all provisions S. 1610, Homeowner Flood Insurance Affordability Act, all provisions S. 1806, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions, all provisions S. 1867, Prepaid Card Consumer Protection Act of 2013, all provisions S. 1916, the HELP Rural Communities Act, all provisions S. 2641, the Portfolio Lending Enhancement Act, all provisions S. 2698, the Regulatory Easement for Lending Institutions Act, Title II and Title III. S. 2699, a Bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. S. Res. 105, a resolution designating April 2013 as Financial Literacy Month Johnson / Crapo amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions Moran / Manchin amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions Toomey / Coburn amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions

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

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

Wall Street Reform & Consumer Protection Act; Federal Reserve implementation of the Dodd-Frank interchange provisions (Reg. II); issues relating to credit and debit card interchange fees; Financial Crimes Enforcement Network issues on reporting requirements and virtual currencies; SEC and Financial Stability Oversight Board on Money Market Mutual Fund Reform; Legislation (H.R. 749, S. 635) to amend Gramm Leach Bliley Privacy Act privacy reporting requirementsH.R. 1564 Audit Rotation Bill; Pay ratio disclosure proposed rule Dodd-Frank provisions; Internet of Things; Additional agency lobbied (not listed as an agency option): CONSUMER FINANCIAL PROTECTION BUREAU, issues related to credit, debit and pre-paid cards.

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

Government targets: Commerce, Dept of (DOC), Federal Communications Commission (FCC), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Security Council (NSC), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office

H.R. 688/S.968 - credit union business lending. H.R. 719 - supplemental capital. H.R. 749/S.635 -privacy notification. Credit union risk-based capital. H.R. 1862/2584/S.1806 - privately insured credit unions/federal home loan bank access. Housing finance reform. H.R. 3420 - regulation D. H.R. 3468 - Interest on Attorney Trust Accounts. Data Security and personal privacy.

Client expense: $115,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE