To amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan.

Annual Privacy Disclosure Notices:[H.R. 601, S.423, S.1484]; Capital Reform:[ H.R.2769]; Consumer Financial Protection Bureau Improvements:[H.R. 3193, H.R. 1266]; Consumer Financial Protection Bureaus Qualified Mortgage Definition:[H.R. 685, H.R. 1259, S. 871]; Credit Union Tax Exemption:[H.R. 1]; Data Security:[H.R. 2205, S. 961]; Defense Credit Union Issues:[H.R. 1735]; Housing Finance Reform:[S. 1217]; Interchange Fees;Member Business Lending:[H.R. 1133, H.R. 1188, H.R. 1422]; Regulatory Relief:[S. 1484, H.R. 3468]; Supplemental Capital:[H.R.719, H.R. 989]; Financial services and general government appropriations bill [H.R. 5485 FY 17].

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Consumer Financial Protection Bureaus (CFPB) Notice and Request for Comment on Web-Based Quantitative Testing Point of Sale/ATM (POS/ATM) Overdraft Disclosure Forms; Comments responding to request for information on the FHFAs proposed collection of information relating to the NSEMB; Comments on Regulatory Impact Assessment and Initial Regulatory Flexibility Analysis, RIN 1506-AB25; Concerns with CFPB future payday lending rulemakings; payday lending as related to the CFPB Proposals; H.R. 3192: Homebuyers Assistance Act; H.R. 2769: Risk-Based Capital Study Act; National Credit Union Administrations (NCUA) risk-based capital proposal; H.R. 2205: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; EMV chip technology is what makes the new cards more secure - PIN is a distraction from the real issue that is data security; party responsible for breached data should be liable for costs associated with breach; NCUAs budget; H.R. 1176: NCUA Budget Transparency Act/ GAO Study of NCUA budgeting practices; H.R. 1188: Credit Union Small Business Jobs Creation Act/ raising MBL cap; H.R. 1195: Bureau of Consumer Financial Protection Advisory Boards Act; H.R. 1210: Portfolio Lending and Mortgage Access Act; H.R. 2473: Preserving Capital Access and Mortgage Liquidity Act of 2015; H.R. 2896: the TAILOR Act of 2015; S. 754: Cyber Security Information Sharing Act; NAFCUs Five Point Plan for Regulatory Relief (capital reforms for credit unions; field of membership improvements for credit unions; reduced consumer financial protection bureaus on credit unions; operational improvements for credit unions; 21st century data security standards); Regulatory relief for credit unions; Impact of Federal Regulations on Credit Unions; S. 961: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; NCUAs efforts to allow credit unions to better serve rural areas; H.R. 1259: Helping Expand Lending Practices in Rural Communities Act; CFPBs inerim final rule amending Regulation Z; H.R. 1261: Bureau of Consumer Financial Protection Accountability Act/ Subjects CFPB to Congressional appropriations process; S. 774: Financial Institutions Examination Fairness and Reform Act; S. 871: HELP Rural Communities Act of 2015/ CFPB Rural Definition; H.R. 685: Mortgage Choice Act of 2015/ Points and Fees; H.R. 1408: Mortgage Servicing Asset Capital Requirements Act; H.R. 1422: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; H.R. 1529: Community Institution Mortgage Relief Act of 2015; H.R. 1941: Financial Institutions Examination Fairness and Reform Act; Regulatory Burdens; Qualified Mortgage Rule; S. 1484: Financial Regulatory Improvement Act; Federal Credit Union Act; S. 2028: A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; H.R. 3738: the Office of Financial Research Accountability Act of 2015; H.R. 3557: the FSOC Transparency and Accountability Act; H.R. 1660: the Federal Savings Association Charter Flexibility Act; Improve the federal charter of credit unions through the FCU Act; H.R. 989: Capital Access for Small Businesses and Jobs Act/ Supplemental Capital; H.R. 1133: To exclude extensions of credit made to veterans from the definition of a member business loan under the Federal Credit Union Act; NCUA proposed rulemaking on a federal insured credit unions member business lending; NCUAs exam scheduling policy; NAFCUs Top Ten Regulations for Eliminate of Amend (improve process for credit unions seeking changes to their field of membership; provide more meaningful exemptions for small institutions; Dodd-Frank 1022 Authority; expand credit union investment authority; allowing more transfers per month from savings accounts per Federal Reserve Regulation D; flexibility for credit unions making member business loans; NCUAs member business lending rule: update requirement to disclose account numbers to protect privacy of members; update advertising requirements for loan products and share accounts; Accuracy of advertising and notice of insured status; seek improvements to the NCUA Central Liquidity Facility (CLF); CLF information collection; CLF modernization to obtain flexibility for federal credit unions to determine their choice of law; update simplify and make improvements to regulations governing check processing funds); S. 423: Privacy Notice Modernization Act of 2015; H.R. 22: the Surface Transportation Reauthorization and Reform Act of 2015; NCUAs proposed Field of Membership Amendments; H.R. 2995: Financial Services and General Government Appropriations Act; Require the CFPB to conduct a fair, comprehensive study before adopting a rule that would restrict arbitration and open the door to abusive class actions; prevent arbitration restrictions; NCUA third party vendor authority; CFPB request for approval under the Paperwork Reduction Act to conduct a national web-based survey relative to overdraft protection services; CFPB consumer complaint narrative database; CFPB and the student loan servicing market; Student Loan Borrower Communication ;CFPB integration of the Truth in Lending Act (TILA) - Real Estate Settlement Procedures Act (RESPA) disclosures, consider good faith efforts to comply with TRID; financial regulators must level the playing field and promulgate rules that require non-traditional market lenders to meet basic consumer protection requirements such as those of TILA, underwriting standards for loans, and applicable state usury laws; FSOC should facilitate regulatory coordination among its member regulators; preserve the credit union tax exemption; regulatory relief including CFPB using their exemption authority more; Housing Finance Reform - it is vital that credit unions continue to have unfettered access to the secondary mortgage market and any reforms should have emphasis on fair pricing that reflects loan quality rather than quantity; Department of Labors proposed changes to the Fair Labor Standards Act for certain full-time salaried works to be eligible for overtime protections; Federal Communication Commission clarification for free end user calls made by financial institutions; Federal Communication Commission clarification regarding clarifications to the interpretations of the Telephone Consumer Protection Act; FCCs Declaratory Ruling and Order on TCPA; H.R. 1155: the Searching for and Cutting Regulations that are unnecessarily Burdensome (SCRUB) Act; prepaid cards - CFPB efforts to ensure that consumers using prepaid products are sufficiently informed and protected - they should find appropriate balance between adequate consumer protection and allowing consumers access to products they demand; compliance burdens related to CFPB amendments to Regulation C, HMDA; Uniform Residential Loan Application (URLA); Periodic Statements for Borrowers who have filed for bankruptcy; Statement production systems and CFPBs servicing regulations; Small Business Administration SBA 7(a) business loan program; H.R. 2499: Veterans Entrepreneurship Act of 2015; FY 2016 Financial Services and General Government Appropriations bill; H.R. 427: Regulations for the Executive in Need of Scrutiny Act of 2015; Improve agency use of regulatory guidance; Protect responsible overdraft services; Changes to requirements under the Home Mortgage Disclosure Act; H.R. 957: Bureau of Consumer Financial Protection Inspector General Reform Act; Reform of Fannie Mae and Freddie Mac; Credit risk-guarantee fees; Military Lending Act; H.R. 1735: National Defense Authorization Act for Fiscal Year 2016; Cost-benefit analysis at federal regulatory agencies; Regulatory coordination; Regulations related to remittance transfers; Legal opinion letters at the CFPB and NCUA; H.R. 9: Innovation Act; H.R. 185: Regulatory Accountability Act of 2015; H.R. 527: Small Business Regulatory Flexibility Improvements Act of 2015; H.R. 650: Preserving Access to Manufactured Housing Act; H.R. 766: Financial Institution Customer Protection Act/ Ending Operation Choke Point; H.R. 1262: Consumer Right to Financial Privacy Act of 2015; H.R. 1263: Consumer Financial Protection Safety and Soundness Improvement Act/ Changes veto authority of the Financial Stability Oversight Council; H.R. 1265: Bureau Advisory Commission Transparency Act/ Making credit union advisory council meetings public; H.R. 1266: Financial Product Safety Commission Act/ Replacing CFPB Director with Commission; H.R. 1309: Systemic Risk Designation Improvement Act of 2015; S. 881: Comprehensive Regulatory Review Act of 2015; S. 924: To require public hearings on NCUA's budget; S. 1137: PATENT Act; S. 1440: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; Ensure an Effective Payments system; Fairness under FCC ruling on autodialing and FCC oversight; Telephone Consumer Protection Act; modernize online lending laws and regulations; give NCUA greater flexibility with credit union lending including the ability to establish longer maturities for certain loans; preventing g-fees charged by Fannie and Freddie from being used as funding offset; NCUA 18-month Exam Cycle; Military Lending Act Database; Credit Losses Accounting Standard; FASB Accounting Standards; CFPBs expansion of data collection under Reg C, Privacy protections for data collected by CFPB; NIST notice and request for information on views on the Framework for Improving Critical Infrastructure Cybersecurity; Comments on Notice of proposed rulemaking regarding field of membership and chartering; CBSA population limit, combined statistical area, well defined local communities, rural population limits, multiple common bond charters, underserved areas, TIP charters; CFPB information collection on compliance costs and other effects of regulation; Duty to serve underserved markets; interchange rates as related to the Durbin Amendment to Dodd-Frank; Repeal Durbin Amendment; H.R. 5465 - to repeal Durbin Amendment; Federal Reserves EGRPRA review process; FHFAs principal reduction consideration; FFIEC Cybersecurity Assessment Tool; FFIEC proposed revision to the Uniform Interagency Consumer Compliance Rating System; Department of Labor Fiduciary Rule, Department of Labor overtime Rule; Administrative Procedures Act; Regulatory Flexibility for credit unions; Promote Consumer Protection and Financial Literacy; Financial Technology (FinTech); FinTech and online marketplace lending; Transparency for NCUAs Overhead Transfer Rate methodology; Transparency for NCUAs Operating Fee methodology; FY 2017 Financial Services and General Government Appropriations Bill; Community Development Financial Institution funding (CDFI); CDFI certification and reporting requirements; Dept. of Treasurys National Strategy for financial literacy and education; NCUAs information collection on investment and deposit activities; allow credit unions to purchase loans from other originators for purposes of issuing securities; mortgage servicing rights; extend exemption for consumer credit cards from MLA Rule requirements; Secondary Capital for low-income designated credit unions(LICU); LICU information collection burdens; Loan Level Price adjustments and Guaranty Fees; HR5541, Financial Services for the Underserved Act of 2016; NCUAs proposed rule regarding FCU occupancy, planning, and disposal of acquired and abandoned premises; HR 1486, Taking Account of Bureaucrats Spending Act (TABS); HR 4773, the Protection Workplace Advancement and Opportunity Act; HR 4538, the Senior$afe Act; NCUAs proposed rule on Incentive-Based Compensation Arrangement; NCUAs Exam Flexibility Initiative; issues related to the National Credit Union Share Insurance Funds Equity Ratio; NCUAs Regulatory Review; seeking guidance from NCUA on interpretation of overall financial performance; NCUAs Revised Examiner Guidance; NCUA to revise CUSO reporting requirements; CUSO accounting standards, Amend NCUA thresholds for supervisory committee audits and verifications; NCUA to address duplicative nature of Fair Credit Reporting regulations; Incidental Powers; requirements for share insurance; Update call reports; DOJs ANPR on accessibility of web information and services of State and Local Government entities; CFPBs amendment to Regulation Ps Annual Privacy Notice Requirement; NCUAs modernization of data collection for regulatory oversight of credit unions; CFPBs proposed rule on arbitration agreements; Property Assessed Clean Energy (PACE) Loans; NCUAs proposed amendments to the Community Development Revolving Loan Fund; modernization of Federal Credit union Bylaws; FHFAs development of a Common Securitization Platform; NIST request for comment on current and future states of cybersecurity in the digital economy; DOD to give better guidance and extend effective date on Military Lending Act Rule; comments on CFPBs Outline of Proposals Under Consideration and Alternatives Considered regarding Third-Party debt collection practices; comments on Consumer Response Company Response Survey; H.R. 5983, the Financial CHOICE Act; H.R. 4038, the Community Financial Institution Exemption Act; H.R. 6094, Regulatory Relief for Small Businesses, Schools, and Non-Profits Act.

Consumer Financial Protection Bureaus (CFPB) Notice and Request for Comment on Web-Based Quantitative Testing Point of Sale/ATM (POS/ATM) Overdraft Disclosure Forms; Comments responding to request for information on the FHFAs proposed collection of information relating to the NSEMB; Comments on Regulatory Impact Assessment and Initial Regulatory Flexibility Analysis, RIN 1506-AB25; Concerns with CFPB future payday lending rulemakings; payday lending as related to the CFPB Proposals; H.R. 3192: Homebuyers Assistance Act; H.R. 2769: Risk-Based Capital Study Act; National Credit Union Administrations (NCUA) risk-based capital proposal; H.R. 2205: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; EMV chip technology is what makes the new cards more secure - PIN is a distraction from the real issue that is data security; party responsible for breached data should be liable for costs associated with breach; NCUAs budget; H.R. 1176: NCUA Budget Transparency Act/ GAO Study of NCUA budgeting practices; H.R. 1188: Credit Union Small Business Jobs Creation Act/ raising MBL cap; H.R. 1195: Bureau of Consumer Financial Protection Advisory Boards Act; H.R. 1210: Portfolio Lending and Mortgage Access Act; H.R. 2473: Preserving Capital Access and Mortgage Liquidity Act of 2015; H.R. 2896: the TAILOR Act of 2015; S. 754: Cyber Security Information Sharing Act; NAFCUs Five Point Plan for Regulatory Relief (capital reforms for credit unions; field of membership improvements for credit unions; reduced consumer financial protection bureaus on credit unions; operational improvements for credit unions; 21st century data security standards); Regulatory relief for credit unions; Impact of Federal Regulations on Credit Unions; S. 961: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; NCUAs efforts to allow credit unions to better serve rural areas; H.R. 1259: Helping Expand Lending Practices in Rural Communities Act; CFPBs inerim final rule amending Regulation Z; H.R. 1261: Bureau of Consumer Financial Protection Accountability Act/ Subjects CFPB to Congressional appropriations process; S. 774: Financial Institutions Examination Fairness and Reform Act; S. 871: HELP Rural Communities Act of 2015/ CFPB Rural Definition; H.R. 685: Mortgage Choice Act of 2015/ Points and Fees; H.R. 1408: Mortgage Servicing Asset Capital Requirements Act; H.R. 1422: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; H.R. 1529: Community Institution Mortgage Relief Act of 2015; H.R. 1941: Financial Institutions Examination Fairness and Reform Act; Regulatory Burdens; Qualified Mortgage Rule; S. 1484: Financial Regulatory Improvement Act; Federal Credit Union Act; S. 2028: A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; H.R. 3738: the Office of Financial Research Accountability Act of 2015; H.R. 3557: the FSOC Transparency and Accountability Act; H.R. 1660: the Federal Savings Association Charter Flexibility Act; Improve the federal charter of credit unions through the FCU Act; H.R. 989: Capital Access for Small Businesses and Jobs Act/ Supplemental Capital; H.R. 1133: To exclude extensions of credit made to veterans from the definition of a member business loan under the Federal Credit Union Act; NCUA proposed rulemaking on a federal insured credit unions member business lending; NCUAs exam scheduling policy; NAFCUs Top Ten Regulations for Eliminate of Amend (improve process for credit unions seeking changes to their field of membership; provide more meaningful exemptions for small institutions; Dodd-Frank 1022 Authority; expand credit union investment authority; allowing more transfers per month from savings accounts per Federal Reserve Regulation D; flexibility for credit unions making member business loans; NCUAs member business lending rule: update requirement to disclose account numbers to protect privacy of members; update advertising requirements for loan products and share accounts; Accuracy of advertising and notice of insured status; seek improvements to the NCUA Central Liquidity Facility (CLF); CLF information collection; CLF modernization to obtain flexibility for federal credit unions to determine their choice of law; update simplify and make improvements to regulations governing check processing funds); S. 423: Privacy Notice Modernization Act of 2015; H.R. 22: the Surface Transportation Reauthorization and Reform Act of 2015; NCUAs proposed Field of Membership Amendments; H.R. 2995: Financial Services and General Government Appropriations Act; Require the CFPB to conduct a fair, comprehensive study before adopting a rule that would restrict arbitration and open the door to abusive class actions; prevent arbitration restrictions; NCUA third party vendor authority; CFPB request for approval under the Paperwork Reduction Act to conduct a national web-based survey relative to overdraft protection services; CFPB consumer complaint narrative database; CFPB and the student loan servicing market; Student Loan Borrower Communication ;CFPB integration of the Truth in Lending Act (TILA) - Real Estate Settlement Procedures Act (RESPA) disclosures, consider good faith efforts to comply with TRID; financial regulators must level the playing field and promulgate rules that require non-traditional market lenders to meet basic consumer protection requirements such as those of TILA, underwriting standards for loans, and applicable state usury laws; FSOC should facilitate regulatory coordination among its member regulators; preserve the credit union tax exemption; regulatory relief including CFPB using their exemption authority more; Housing Finance Reform - it is vital that credit unions continue to have unfettered access to the secondary mortgage market and any reforms should have emphasis on fair pricing that reflects loan quality rather than quantity; Department of Labors proposed changes to the Fair Labor Standards Act for certain full-time salaried works to be eligible for overtime protections; Federal Communication Commission clarification for free end user calls made by financial institutions; Federal Communication Commission clarification regarding clarifications to the interpretations of the Telephone Consumer Protection Act; FCCs Declaratory Ruling and Order on TCPA; H.R. 1155: the Searching for and Cutting Regulations that are unnecessarily Burdensome (SCRUB) Act; prepaid cards - CFPB efforts to ensure that consumers using prepaid products are sufficiently informed and protected - they should find appropriate balance between adequate consumer protection and allowing consumers access to products they demand; compliance burdens related to CFPB amendments to Regulation C, HMDA; Uniform Residential Loan Application (URLA); Periodic Statements for Borrowers who have filed for bankruptcy; Statement production systems and CFPBs servicing regulations; Small Business Administration SBA 7(a) business loan program; H.R. 2499: Veterans Entrepreneurship Act of 2015; FY 2016 Financial Services and General Government Appropriations bill; H.R. 427: Regulations for the Executive in Need of Scrutiny Act of 2015; Improve agency use of regulatory guidance; Protect responsible overdraft services; Changes to requirements under the Home Mortgage Disclosure Act; H.R. 957: Bureau of Consumer Financial Protection Inspector General Reform Act; Reform of Fannie Mae and Freddie Mac; Credit risk-guarantee fees; Military Lending Act; H.R. 1735: National Defense Authorization Act for Fiscal Year 2016; Cost-benefit analysis at federal regulatory agencies; Regulatory coordination; Regulations related to remittance transfers; Legal opinion letters at the CFPB and NCUA; H.R. 9: Innovation Act; H.R. 185: Regulatory Accountability Act of 2015; H.R. 527: Small Business Regulatory Flexibility Improvements Act of 2015; H.R. 650: Preserving Access to Manufactured Housing Act; H.R. 766: Financial Institution Customer Protection Act/ Ending Operation Choke Point; H.R. 1262: Consumer Right to Financial Privacy Act of 2015; H.R. 1263: Consumer Financial Protection Safety and Soundness Improvement Act/ Changes veto authority of the Financial Stability Oversight Council; H.R. 1265: Bureau Advisory Commission Transparency Act/ Making credit union advisory council meetings public; H.R. 1266: Financial Product Safety Commission Act/ Replacing CFPB Director with Commission; H.R. 1309: Systemic Risk Designation Improvement Act of 2015; S. 881: Comprehensive Regulatory Review Act of 2015; S. 924: To require public hearings on NCUA's budget; S. 1137: PATENT Act; S. 1440: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; Ensure an Effective Payments system; Fairness under FCC ruling on autodialing and FCC oversight; Telephone Consumer Protection Act; modernize online lending laws and regulations; give NCUA greater flexibility with credit union lending including the ability to establish longer maturities for certain loans; preventing g-fees charged by Fannie and Freddie from being used as funding offset; NCUA 18-month Exam Cycle; Military Lending Act Database; Credit Losses Accounting Standard; FASB Accounting Standards; CFPBs expansion of data collection under Reg C, Privacy protections for data collected by CFPB; NIST notice and request for information on views on the Framework for Improving Critical Infrastructure Cybersecurity; Comments on Notice of proposed rulemaking regarding field of membership and chartering; CBSA population limit, combined statistical area, well defined local communities, rural population limits, multiple common bond charters, underserved areas, TIP charters; CFPB information collection on compliance costs and other effects of regulation; Duty to serve underserved markets; interchange rates as related to the Durbin Amendment to Dodd-Frank; Repeal Durbin Amendment; H.R. 5465 - to repeal Durbin Amendment; Federal Reserves EGRPRA review process; FHFAs principal reduction consideration; FFIEC Cybersecurity Assessment Tool; FFIEC proposed revision to the Uniform Interagency Consumer Compliance Rating System; Department of Labor Fiduciary Rule, Department of Labor overtime Rule; Administrative Procedures Act; Regulatory Flexibility for credit unions; Promote Consumer Protection and Financial Literacy; Financial Technology (FinTech); FinTech and online marketplace lending; Transparency for NCUAs Overhead Transfer Rate methodology; Transparency for NCUAs Operating Fee methodology; FY 2017 Financial Services and General Government Appropriations Bill; Community Development Financial Institution funding (CDFI); CDFI certification and reporting requirements; Dept. of Treasurys National Strategy for financial literacy and education; NCUAs information collection on investment and deposit activities; allow credit unions to purchase loans from other originators for purposes of issuing securities; mortgage servicing rights; extend exemption for consumer credit cards from MLA Rule requirements; Secondary Capital for low-income designated credit unions(LICU); LICU information collection burdens; Loan Level Price adjustments and Guaranty Fees; HR5541, Financial Services for the Underserved Act of 2016; NCUAs proposed rule regarding FCU occupancy, planning, and disposal of acquired and abandoned premises; HR 1486, Taking Account of Bureaucrats Spending Act (TABS); HR 4773, the Protection Workplace Advancement and Opportunity Act; HR 4538, the Senior$afe Act; NCUAs proposed rule on Incentive-Based Compensation Arrangement; NCUAs Exam Flexibility Initiative; issues related to the National Credit Union Share Insurance Funds Equity Ratio; NCUAs Regulatory Review; seeking guidance from NCUA on interpretation of overall financial performance; NCUAs Revised Examiner Guidance; NCUA to revise CUSO reporting requirements; CUSO accounting standards, Amend NCUA thresholds for supervisory committee audits and verifications; NCUA to address duplicative nature of Fair Credit Reporting regulations; Incidental Powers; requirements for share insurance; Update call reports; DOJs ANPR on accessibility of web information and services of State and Local Government entities; CFPBs amendment to Regulation Ps Annual Privacy Notice Requirement; NCUAs modernization of data collection for regulatory oversight of credit unions; CFPBs proposed rule on arbitration agreements; Property Assessed Clean Energy (PACE) Loans; NCUAs proposed amendments to the Community Development Revolving Loan Fund; modernization of Federal Credit union Bylaws; FHFAs development of a Common Securitization Platform; NIST request for comment on current and future states of cybersecurity in the digital economy; DOD to give better guidance and extend effective date on Military Lending Act Rule; comments on CFPBs Outline of Proposals Under Consideration and Alternatives Considered regarding Third-Party debt collection practices; comments on Consumer Response Company Response Survey; H.R. 5983, the Financial CHOICE Act; H.R. 4038, the Community Financial Institution Exemption Act; H.R. 6094, Regulatory Relief for Small Businesses, Schools, and Non-Profits Act.

Annual Privacy Disclosure Notices:[H.R. 601, S.423, S.1484]; Capital Reform:[ H.R.2769]; Consumer Financial Protection Bureau Improvements:[H.R. 3193, H.R. 1266]; Consumer Financial Protection Bureaus Qualified Mortgage Definition:[H.R. 685, H.R. 1259, S. 871]; Credit Union Tax Exemption:[H.R. 1]; Data Security:[H.R. 2205, S. 961]; Defense Credit Union Issues:[H.R. 1735]; Housing Finance Reform:[S. 1217]; Interchange Fees; Member Business Lending:[H.R. 1133, H.R. 1188, H.R. 1422]; Regulatory Relief:[S. 1484, H.R. 3468]; Supplemental Capital:[H.R.719, H.R. 989]; Financial services and general government appropriations bill [H.R. 5485 FY 17]

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

Government targets: HOUSE OF REPRESENTATIVES

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR185; HR 766; HR 957; HR 1133; HR 1176; HR 1188; HR 1266; HR 1422; HR 1486; HR 1529; HR 1550; HR 1660; HR 1661; HR 1941; HR 2099; HR 2213; HR 2473; HR 2642; HR 2769;HR 2896; HR 3557; HR 3738; HR 3808; HR 3857; HR 4099; HR 4210; HR 4248; HR 4500; HR 4538; HR 4647; HR 4894; HR 4913; HR 4997; HR 5112; HR 5211; HR 5413; HR 5419; HR 5453; HR 5465; HR 5490; HR 5491; HR 5521; HR 5522; HR 5523; HR 5527; HR 5569; HR 5724; HR 5869; HR 5991; HR 6118; HR 6162; HR 6244; HR 6266; S. 423; S. 482; S. 726; S. 774; S. 924; S. 970; S. 1383; S. 1440; S. 1484; S. 1491; S. 2038; S. 2216; S. 2315; S. 2663; S. 2722; S. 2760; S. 2790; S. 2995; 2.3083; S. 3153; S. 3196; S. 3215; S. 3219; S. 3321; data security and cybersecurity; patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Issues affecting the credit union industry; HR 3048, CFPB exemptions for community financial institutions; HR 989, supplemental capital; HR 1133 veterans and business lending; HR 2250 Data Security; HR 1422 Residential Loan Parity; and HR 2473 Capital Access; Mortgage Liquidity, and S. 1484,regulatory relief. Monitor the Financial CHOICE Act for credit union issues, HR 5983.

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

Annual Privacy Disclosure Notices:[H.R. 601, S.423, S.1484]; Capital Reform:[ H.R.2769]; Consumer Financial Protection Bureau Improvements:[H.R. 3193, H.R. 1266]; Consumer Financial Protection Bureaus Qualified Mortgage Definition:[H.R. 685, H.R. 1259, S. 871]; Credit Union Tax Exemption:[H.R. 1]; Data Security:[H.R. 2205, S. 961]; Defense Credit Union Issues:[H.R. 1735]; Housing Finance Reform:[S. 1217]; Interchange Fees;Member Business Lending:[H.R. 1133, H.R. 1188, H.R. 1422]; Regulatory Relief:[S. 1484, H.R. 3468]; Supplemental Capital:[H.R.719, H.R. 989]; Financial services and general government appropriations bill [H.R. 5485 FY 17].

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 989, supplemental capital. H.R. 1188 member business lending. H.R. 1133 veterans exemption to member business lending cap. H.R. 299 privately insured credit unions. H.R. 601 privacy notifications.H.R. 1422 residential parity. H.R. 2679, risk based capital stop and study act. S. 1484, regulatory relief. S.2028, member business lending. S. 1440, residential parity. S. 961, data security. Merchant data breaches as they apply to financial institutions. EMV chip-card conversions. National Credit Union Administration and Consumer Financial Protection Bureau regulatory issues. Proposed rules on Field of Membership and Member Business Lending. Credit union examinations. Risk-based capital. Truth in lending disclosures (TRID). HMDA Home Mortgage Disclosure Act. Community lender exemption authority to Dodd-Frank Wall Street Reform and Consumer Protection Act. Property Assessed Clean Energy (PACE) lending and priority liens. Fair Credit Reporting Act - Federal Trade Commission.

Client expense: $110,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR185; HR 766; HR 957; HR 989; HR 1133; HR 1176; HR 1188; HR 1266; HR 1422; HR 1486; HR 1491; HR 1529; HR 1550; HR 1660; HR 1661; HR 1941; HR 2099; HR 2213; HR 2473; HR 2477; HR 2642; HR 2769;HR 2896; HR 3557; HR 3738; HR 3808; HR 3857; HR 4099; HR 4166; HR 4210; HR 4248; HR 4347; HR 4500; HR 4538; HR 4620; HR 4647; HR 4781; HR 4894; HR 4913; HR 4997; HR 5112; HR 5211; HR 5413; HR 5419; HR 5453; HR 5465; HR 5490; HR 5491; HR 5521; HR 5522; HR 5523; HR 5527; HR 5569; S. 423; S. 482; S. 726; S. 774; S. 924; S. 970; S. 1383; S. 1440; S. 1484; S. 1491; S. 2028; S. 2038; S. 2216; S. 2315; S.2663; S 2722; data security and cybersecurity; patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Issues affecting the credit union industry; HR 3048, CFPB exemptions for community financial institutions; HR 989, supplemental capital; HR 1133 veterans and business lending; HR 2250 Data Security; HR 1422 Residential Loan Parity; and HR 2473 Capital Access; Mortgage Liquidity, and S. 1484,regulatory relief.

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

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

Annual Privacy Disclosure Notices:[H.R. 601, S.423, S.1484]; Capital Reform:[ H.R.2769]; Consumer Financial Protection Bureau Improvements:[H.R. 3193, H.R. 1266]; Consumer Financial Protection Bureaus Qualified Mortgage Definition:[H.R. 685, H.R. 1259, S. 871]; Credit Union Tax Exemption:[H.R. 1]; Data Security:[H.R. 2205, S. 961]; Defense Credit Union Issues:[H.R. 1735]; Housing Finance Reform:[S. 1217]; Interchange Fees; Member Business Lending:[H.R. 1133, H.R. 1188, H.R. 1422]; Regulatory Relief:[S. 1484, H.R. 3468]; Supplemental Capital:[H.R.719, H.R. 989]; Financial services and general government appropriations bill [H.R. 5485 FY 17]

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Annual Privacy Disclosure Notices:[H.R. 601, S.423, S.1484]; Capital Reform:[ H.R.2769]; Consumer Financial Protection Bureau Improvements:[H.R. 3193, H.R. 1266]; Consumer Financial Protection Bureaus Qualified Mortgage Definition:[H.R. 685, H.R. 1259, S. 871]; Credit Union Tax Exemption:[H.R. 1]; Data Security:[H.R. 2205, S. 961]; Defense Credit Union Issues:[H.R. 1735]; Housing Finance Reform:[S. 1217]; Interchange Fees;Member Business Lending:[H.R. 1133, H.R. 1188, H.R. 1422]; Regulatory Relief:[S. 1484, H.R. 3468]; Supplemental Capital:[H.R.719, H.R. 989]; Financial services and general government appropriations bill [H.R. 5485 FY 17].

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Consumer Financial Protection Bureaus (CFPB) Notice and Request for Comment on Web-Based Quantitative Testing Point of Sale/ATM (POS/ATM) Overdraft Disclosure Forms; Comments responding to request for information on the FHFAs proposed collection of information relating to the NSEMB; Comments on Regulatory Impact Assessment and Initial Regulatory Flexibility Analysis, RIN 1506-AB25; Concerns with CFPB future payday lending rulemakings; payday lending as related to the CFPB Proposals; H.R. 3192: Homebuyers Assistance Act; H.R. 2769: Risk-Based Capital Study Act; National Credit Union Administrations (NCUA) risk-based capital proposal; H.R. 2205: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; EMV chip technology is what makes the new cards more secure - PIN is a distraction from the real issue that is data security; party responsible for breached data should be liable for costs associated with breach; NCUA budget transparency; H.R. 1176: NCUA Budget Transparency Act/ GAO Study of NCUA budgeting practices; H.R. 1188: Credit Union Small Business Jobs Creation Act/ raising MBL cap; H.R. 1195: Bureau of Consumer Financial Protection Advisory Boards Act; H.R. 1210: Portfolio Lending and Mortgage Access Act; H.R. 2473: Preserving Capital Access and Mortgage Liquidity Act of 2015; H.R. 2896: the TAILOR Act of 2015; S. 754: Cyber Security Information Sharing Act; NAFCUs Five Point Plan for Regulatory Relief (capital reforms for credit unions; field of membership improvements for credit unions; reduced consumer financial protection bureaus on credit unions; operational improvements for credit unions; 21st century data security standards); Regulatory relief for credit unions; S. 961: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; NCUAs efforts to allow credit unions to better serve rural areas; H.R. 1259: Helping Expand Lending Practices in Rural Communities Act; CFPBs inerim final rule amending Regulation Z; H.R. 1261: Bureau of Consumer Financial Protection Accountability Act/ Subjects CFPB to Congressional appropriations process; S. 774: Financial Institutions Examination Fairness and Reform Act; S. 871: HELP Rural Communities Act of 2015/ CFPB Rural Definition; H.R. 685: Mortgage Choice Act of 2015/ Points and Fees; H.R. 1408: Mortgage Servicing Asset Capital Requirements Act; H.R. 1422: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; H.R. 1529: Community Institution Mortgage Relief Act of 2015; H.R. 1941: Financial Institutions Examination Fairness and Reform Act; Regulatory Burdens; Qualified Mortgage Rule; S. 1484: Financial Regulatory Improvement Act; Federal Credit Union Act; S. 2028: A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; H.R. 3738: the Office of Financial Research Accountability Act of 2015; H.R. 3557: the FSOC Transparency and Accountability Act; H.R. 1660: the Federal Savings Association Charter Flexibility Act; Improve the federal charter of credit unions through the FCU Act; H.R. 989: Capital Access for Small Businesses and Jobs Act/ Supplemental Capital; H.R. 1133: To exclude extensions of credit made to veterans from the definition of a member business loan under the Federal Credit Union Act; NCUA proposed rulemaking on a federal insured credit unions member business lending; NCUAs exam scheduling policy; NAFCUs Top Ten Regulations for Eliminate of Amend (improve process for credit unions seeking changes to their field of membership; provide more meaningful exemptions for small institutions; Dodd-Frank 1022 Authority; expand credit union investment authority; allowing more transfers per month from savings accounts per Federal Reserve Regulation D; flexibility for credit unions making member business loans; NCUAs member business lending rule: update requirement to disclose account numbers to protect privacy of members; update advertising requirements for loan products and share accounts; seek improvements to the NCUA Central Liquidity Facility (CLF); CLF information collection; CLF modernizationobtain flexibility for federal credit unions to determine their choice of law; update simplify and make improvements to regulations governing check processing funds); S. 423: Privacy Notice Modernization Act of 2015; H.R. 22: the Surface Transportation Reauthorization and Reform Act of 2015; NCUAs proposed Field of Membership Amendments; H.R. 2995: Financial Services and General Government Appropriations Act; Require the CFPB to conduct a fair, comprehensive study before adopting a rule that would restrict arbitration and open the door to abusive class actions; prevent arbitration restrictions; NCUA third party vendor authority; CFPB request for approval under the Paperwork Reduction Act to conduct a national web-based survey relative to overdraft protection services; CFPB consumer complaint narrative database; CFPB and the student loan servicing market; Student Loan Borrower Communication ;CFPB integration of the Truth in Lending Act (TILA) - Real Estate Settlement Procedures Act (RESPA) disclosures, consider good faith efforts to comply with TRID; financial regulators must level the playing field and promulgate rules that require non-traditional market lenders to meet basic consumer protection requirements such as those of TILA, underwriting standards for loans, and applicable state usury laws; FSOC should facilitate regulatory coordination among its member regulators; preserve the credit union tax exemption; regulatory relief including CFPB using their exemption authority more; Housing Finance Reform - it is vital that credit unions continue to have unfettered access to the secondary mortgage market and any reforms should have emphasis on fair pricing that reflects loan quality rather than quantity; Department of Labors proposed changes to the Fair Labor Standards Act for certain full-time salaried works to be eligible for overtime protections; Federal Communication Commission clarification for free end user calls made by financial institutions; Federal Communication Commission clarification regarding clarifications to the interpretations of the Telephone Consumer Protection Act; H.R. 1155: the Searching for and Cutting Regulations that are unnecessarily Burdensome (SCRUB) Act; prepaid cards - CFPB efforts to ensure that consumers using prepaid products are sufficiently informed and protected - they should find appropriate balance between adequate consumer protection and allowing consumers access to products they demand; compliance burdens related to CFPB amendments to Regulation C, HMDA; Uniform Residential Loan Application (URLA); Periodic Statements for Borrowers who have filed for bankruptcy; Statement production systems and CFPBs servicing regulations; Small Business Administration SBA 7(a) business loan program; H.R. 2499: Veterans Entrepreneurship Act of 2015; FY 2016 Financial Services and General Government Appropriations bill; H.R. 427: Regulations for the Executive in Need of Scrutiny Act of 2015; Improve agency use of regulatory guidance; Protect responsible overdraft services; Changes to requirements under the Home Mortgage Disclosure Act; H.R. 957: Bureau of Consumer Financial Protection Inspector General Reform Act; Reform of Fannie Mae and Freddie Mac; Credit risk-guarantee fees; Military Lending Act; H.R. 1735: National Defense Authorization Act for Fiscal Year 2016; Cost-benefit analysis at federal regulatory agencies; Regulatory coordination; Regulations related to remittance transfers; Legal opinion letters at the CFPB and NCUA; H.R. 9: Innovation Act; H.R. 185: Regulatory Accountability Act of 2015; H.R. 527: Small Business Regulatory Flexibility Improvements Act of 2015; H.R. 650: Preserving Access to Manufactured Housing Act; H.R. 766: Financial Institution Customer Protection Act/ Ending Operation Choke Point; H.R. 1262: Consumer Right to Financial Privacy Act of 2015; H.R. 1263: Consumer Financial Protection Safety and Soundness Improvement Act/ Changes veto authority of the Financial Stability Oversight Council; H.R. 1265: Bureau Advisory Commission Transparency Act/ Making credit union advisory council meetings public; H.R. 1266: Financial Product Safety Commission Act/ Replacing CFPB Director with Commission; H.R. 1309: Systemic Risk Designation Improvement Act of 2015; S. 881: Comprehensive Regulatory Review Act of 2015; S. 924: To require public hearings on NCUA's budget; S. 1137: PATENT Act; S. 1440: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; Ensure an Effective Payments system; Fairness under FCC ruling on autodialing and FCC oversight; Telephone Consumer Protection Act; modernize online lending laws and regulations; give NCUA greater flexibility with credit union lending including the ability to establish longer maturities for certain loans; preventing g-fees charged by Fannie and Freddie from being used as funding offset; NCUA 18-month Exam Cycle; Military Lending Act Database; Credit Losses Accounting Standard; FASB Accounting Standards; CFPBs expansion of data collection under Reg C, Privacy protections for data collected by CFPB; NIST notice and request for information on views on the Framework for Improving Critical Infrastructure Cybersecurity; Comments on Notice of proposed rulemaking regarding field of membership and chartering; CBSA population limit, combined statistical area, well defined local communities, rural population limits, multiple common bond charters, underserved areas, TIP charters; CFPB information collection on compliance costs and other effects of regulation; Duty to serve underserved markets; interchange rates as related to the Durbin Amendment to Dodd-Frank; Repeal Durbin Amendment; Federal Reserves EGRPRA review process; FHFAs principal reduction consideration; FFIEC Cybersecurity Assessment Tool; Department of Labor Fiduciary Rule, Department of Labor overtime Rule; Administrative Procedures Act; Regulatory Flexibility for credit unions; Promote Consumer Protection and Financial Literacy; Financial Technology (FinTech); Transparency for NCUAs Overhead Transfer Rate methodology; Transparency for NCUAs Operating Fee methodology; FY 2017 Financial Services and General Government Appropriations Bill; Community Development Financial Institution funding (CDFI); CDFI certification and reporting requirements; Dept. of Treasurys National Strategy for financial literacy and education; NCUAs information collection on investment and deposit activities; allow credit unions to purchase loans from other originators for purposes of issuing securities; mortgage servicing rights; extend exemption for consumer credit cards from MLA Rule requirements; Secondary Capital for low-income designated credit unions(LICU); LICU information collection burdens; Loan Level Price adjustments and Guaranty Fees; HR5541, Financial Services for the Underserved Act of 2016; NCUAs proposed rule regarding FCU occupancy, planning, and disposal of acquired and abandoned premises; HR 1486, Taking Account of Bureaucrats Spending Act (TABS); HR 4773, the Protection Workplace Advancement and Opportunity Act; HR 4538, the Senior$afe Act.

Consumer Financial Protection Bureaus (CFPB) Notice and Request for Comment on Web-Based Quantitative Testing Point of Sale/ATM (POS/ATM) Overdraft Disclosure Forms; Comments responding to request for information on the FHFAs proposed collection of information relating to the NSEMB; Comments on Regulatory Impact Assessment and Initial Regulatory Flexibility Analysis, RIN 1506-AB25; Concerns with CFPB future payday lending rulemakings; payday lending as related to the CFPB Proposals; H.R. 3192: Homebuyers Assistance Act; H.R. 2769: Risk-Based Capital Study Act; National Credit Union Administrations (NCUA) risk-based capital proposal; H.R. 2205: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; EMV chip technology is what makes the new cards more secure - PIN is a distraction from the real issue that is data security; party responsible for breached data should be liable for costs associated with breach; NCUA budget transparency; H.R. 1176: NCUA Budget Transparency Act/ GAO Study of NCUA budgeting practices; H.R. 1188: Credit Union Small Business Jobs Creation Act/ raising MBL cap; H.R. 1195: Bureau of Consumer Financial Protection Advisory Boards Act; H.R. 1210: Portfolio Lending and Mortgage Access Act; H.R. 2473: Preserving Capital Access and Mortgage Liquidity Act of 2015; H.R. 2896: the TAILOR Act of 2015; S. 754: Cyber Security Information Sharing Act; NAFCUs Five Point Plan for Regulatory Relief (capital reforms for credit unions; field of membership improvements for credit unions; reduced consumer financial protection bureaus on credit unions; operational improvements for credit unions; 21st century data security standards); Regulatory relief for credit unions; S. 961: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; NCUAs efforts to allow credit unions to better serve rural areas; H.R. 1259: Helping Expand Lending Practices in Rural Communities Act; CFPBs inerim final rule amending Regulation Z; H.R. 1261: Bureau of Consumer Financial Protection Accountability Act/ Subjects CFPB to Congressional appropriations process; S. 774: Financial Institutions Examination Fairness and Reform Act; S. 871: HELP Rural Communities Act of 2015/ CFPB Rural Definition; H.R. 685: Mortgage Choice Act of 2015/ Points and Fees; H.R. 1408: Mortgage Servicing Asset Capital Requirements Act; H.R. 1422: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; H.R. 1529: Community Institution Mortgage Relief Act of 2015; H.R. 1941: Financial Institutions Examination Fairness and Reform Act; Regulatory Burdens; Qualified Mortgage Rule; S. 1484: Financial Regulatory Improvement Act; Federal Credit Union Act; S. 2028: A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; H.R. 3738: the Office of Financial Research Accountability Act of 2015; H.R. 3557: the FSOC Transparency and Accountability Act; H.R. 1660: the Federal Savings Association Charter Flexibility Act; Improve the federal charter of credit unions through the FCU Act; H.R. 989: Capital Access for Small Businesses and Jobs Act/ Supplemental Capital; H.R. 1133: To exclude extensions of credit made to veterans from the definition of a member business loan under the Federal Credit Union Act; NCUA proposed rulemaking on a federal insured credit unions member business lending; NCUAs exam scheduling policy; NAFCUs Top Ten Regulations for Eliminate of Amend (improve process for credit unions seeking changes to their field of membership; provide more meaningful exemptions for small institutions; Dodd-Frank 1022 Authority; expand credit union investment authority; allowing more transfers per month from savings accounts per Federal Reserve Regulation D; flexibility for credit unions making member business loans; NCUAs member business lending rule: update requirement to disclose account numbers to protect privacy of members; update advertising requirements for loan products and share accounts; seek improvements to the NCUA Central Liquidity Facility (CLF); CLF information collection; CLF modernizationobtain flexibility for federal credit unions to determine their choice of law; update simplify and make improvements to regulations governing check processing funds); S. 423: Privacy Notice Modernization Act of 2015; H.R. 22: the Surface Transportation Reauthorization and Reform Act of 2015; NCUAs proposed Field of Membership Amendments; H.R. 2995: Financial Services and General Government Appropriations Act; Require the CFPB to conduct a fair, comprehensive study before adopting a rule that would restrict arbitration and open the door to abusive class actions; prevent arbitration restrictions; NCUA third party vendor authority; CFPB request for approval under the Paperwork Reduction Act to conduct a national web-based survey relative to overdraft protection services; CFPB consumer complaint narrative database; CFPB and the student loan servicing market; Student Loan Borrower Communication ;CFPB integration of the Truth in Lending Act (TILA) - Real Estate Settlement Procedures Act (RESPA) disclosures, consider good faith efforts to comply with TRID; financial regulators must level the playing field and promulgate rules that require non-traditional market lenders to meet basic consumer protection requirements such as those of TILA, underwriting standards for loans, and applicable state usury laws; FSOC should facilitate regulatory coordination among its member regulators; preserve the credit union tax exemption; regulatory relief including CFPB using their exemption authority more; Housing Finance Reform - it is vital that credit unions continue to have unfettered access to the secondary mortgage market and any reforms should have emphasis on fair pricing that reflects loan quality rather than quantity; Department of Labors proposed changes to the Fair Labor Standards Act for certain full-time salaried works to be eligible for overtime protections; Federal Communication Commission clarification for free end user calls made by financial institutions; Federal Communication Commission clarification regarding clarifications to the interpretations of the Telephone Consumer Protection Act; H.R. 1155: the Searching for and Cutting Regulations that are unnecessarily Burdensome (SCRUB) Act; prepaid cards - CFPB efforts to ensure that consumers using prepaid products are sufficiently informed and protected - they should find appropriate balance between adequate consumer protection and allowing consumers access to products they demand; compliance burdens related to CFPB amendments to Regulation C, HMDA; Uniform Residential Loan Application (URLA); Periodic Statements for Borrowers who have filed for bankruptcy; Statement production systems and CFPBs servicing regulations; Small Business Administration SBA 7(a) business loan program; H.R. 2499: Veterans Entrepreneurship Act of 2015; FY 2016 Financial Services and General Government Appropriations bill; H.R. 427: Regulations for the Executive in Need of Scrutiny Act of 2015; Improve agency use of regulatory guidance; Protect responsible overdraft services; Changes to requirements under the Home Mortgage Disclosure Act; H.R. 957: Bureau of Consumer Financial Protection Inspector General Reform Act; Reform of Fannie Mae and Freddie Mac; Credit risk-guarantee fees; Military Lending Act; H.R. 1735: National Defense Authorization Act for Fiscal Year 2016; Cost-benefit analysis at federal regulatory agencies; Regulatory coordination; Regulations related to remittance transfers; Legal opinion letters at the CFPB and NCUA; H.R. 9: Innovation Act; H.R. 185: Regulatory Accountability Act of 2015; H.R. 527: Small Business Regulatory Flexibility Improvements Act of 2015; H.R. 650: Preserving Access to Manufactured Housing Act; H.R. 766: Financial Institution Customer Protection Act/ Ending Operation Choke Point; H.R. 1262: Consumer Right to Financial Privacy Act of 2015; H.R. 1263: Consumer Financial Protection Safety and Soundness Improvement Act/ Changes veto authority of the Financial Stability Oversight Council; H.R. 1265: Bureau Advisory Commission Transparency Act/ Making credit union advisory council meetings public; H.R. 1266: Financial Product Safety Commission Act/ Replacing CFPB Director with Commission; H.R. 1309: Systemic Risk Designation Improvement Act of 2015; S. 881: Comprehensive Regulatory Review Act of 2015; S. 924: To require public hearings on NCUA's budget; S. 1137: PATENT Act; S. 1440: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; Ensure an Effective Payments system; Fairness under FCC ruling on autodialing and FCC oversight; Telephone Consumer Protection Act; modernize online lending laws and regulations; give NCUA greater flexibility with credit union lending including the ability to establish longer maturities for certain loans; preventing g-fees charged by Fannie and Freddie from being used as funding offset; NCUA 18-month Exam Cycle; Military Lending Act Database; Credit Losses Accounting Standard; FASB Accounting Standards; CFPBs expansion of data collection under Reg C, Privacy protections for data collected by CFPB; NIST notice and request for information on views on the Framework for Improving Critical Infrastructure Cybersecurity; Comments on Notice of proposed rulemaking regarding field of membership and chartering; CBSA population limit, combined statistical area, well defined local communities, rural population limits, multiple common bond charters, underserved areas, TIP charters; CFPB information collection on compliance costs and other effects of regulation; Duty to serve underserved markets; interchange rates as related to the Durbin Amendment to Dodd-Frank; Repeal Durbin Amendment; Federal Reserves EGRPRA review process; FHFAs principal reduction consideration; FFIEC Cybersecurity Assessment Tool; Department of Labor Fiduciary Rule, Department of Labor overtime Rule; Administrative Procedures Act; Regulatory Flexibility for credit unions; Promote Consumer Protection and Financial Literacy; Financial Technology (FinTech); Transparency for NCUAs Overhead Transfer Rate methodology; Transparency for NCUAs Operating Fee methodology; FY 2017 Financial Services and General Government Appropriations Bill; Community Development Financial Institution funding (CDFI); CDFI certification and reporting requirements; Dept. of Treasurys National Strategy for financial literacy and education; NCUAs information collection on investment and deposit activities; allow credit unions to purchase loans from other originators for purposes of issuing securities; mortgage servicing rights; extend exemption for consumer credit cards from MLA Rule requirements; Secondary Capital for low-income designated credit unions(LICU); LICU information collection burdens; Loan Level Price adjustments and Guaranty Fees; HR5541, Financial Services for the Underserved Act of 2016; NCUAs proposed rule regarding FCU occupancy, planning, and disposal of acquired and abandoned premises; HR 1486, Taking Account of Bureaucrats Spending Act (TABS); HR 4773, the Protection Workplace Advancement and Opportunity Act; HR 4538, the Senior$afe Act.

H.R. 989, supplemental capital. H.R. 1188 member business lending. H.R. 1133 veterans exemption to member business lending cap. H.R. 299 privately insured credit unions. H.R. 601 privacy notifications.H.R. 1422 residential parity. H.R. 2679, risk based capital stop and study act. S. 1484, regulatory relief. S.2028, member business lending. S. 1440, residential parity. S. 961, data security. Merchant data breaches as they apply to financial institutions. EMV chip-card conversions. National Credit Union Administration and Consumer Financial Protection Bureau regulatory issues. Proposed rules on Field of Membership and Member Business Lending. Credit union examinations. Risk-based capital. Truth in lending disclosures (TRID). HMDA Home Mortgage Disclosure Act. Community lender exemption authority to Dodd-Frank Wall Street Reform and Consumer Protection Act. Property Assessed Clean Energy (PACE) lending and priority liens.

Client expense: $110,000 · Firm income: Not reported

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

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR185; HR 299; HR 601; HR 685; HR 766; HR 957; HR 989; HR 1133; HR 1176; HR 1188; HR 1195; HR 1233; HR 1266; HR 1422; HR 1486; HR 1491; HR 1529; HR 1550; HR 1659; HR 1660; HR 1661; HR 1941; HR 2099; HR 2213; HR 2473; HR 2477; HR 2642; HR 2769;HR 2896; HR 3192; HR 3557; HR 3700; HR 3738; HR 3808; HR 3857; HR 4099; HR 4166; HR 4210; HR 4248; S. 423; S. 482; S. 726; S. 774; S. 924; S. 970; S. 1383; S. 1440; S. 1484; S. 1491; S. 2006; S. 2028; S. 2038; S. 2216; S. 2315; S. 2497; S. 2716 data security and cybersecurity; patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Consumer Financial Protection Bureaus (CFPB) Notice and Request for Comment on Web-Based Quantitative Testing Point of Sale/ATM (POS/ATM) Overdraft Disclosure Forms; Comments responding to request for information on the FHFAs proposed collection of information relating to the NSEMB; Comments on Regulatory Impact Assessment and Initial Regulatory Flexibility Analysis, RIN 1506-AB25; Concerns with CFPB future payday lending rulemakings; payday lending as related to the CFPBs Outline of Proposals Under Consideration; H.R. 3192: Homebuyers Assistance Act; H.R. 2769: Risk-Based Capital Study Act; National Credit Union Administrations (NCUA) risk-based capital proposal; H.R. 2205: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; EMV chip technology is what makes the new cards more secure - PIN is a distraction from the real issue that is data security; party responsible for breached data should be liable for costs associated with breach; NCUA budget transparency; H.R. 1176: NCUA Budget Transparency Act/ GAO Study of NCUA budgeting practices; H.R. 1188: Credit Union Small Business Jobs Creation Act/ raising MBL cap; H.R. 1195: Bureau of Consumer Financial Protection Advisory Boards Act; H.R. 1210: Portfolio Lending and Mortgage Access Act; H.R. 2473: Preserving Capital Access and Mortgage Liquidity Act of 2015; H.R. 2896: the TAILOR Act of 2015; S. 754: Cyber Security Information Sharing Act; NAFCUs Five Point Plan for Regulatory Relief (capital reforms for credit unions; field of membership improvements for credit unions; reduced consumer financial protection bureaus on credit unions; operational improvements for credit unions; 21st century data security standards); Regulatory relief for credit unions; S. 961: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; NCUAs efforts to allow credit unions to better serve rural areas; H.R. 1259: Helping Expand Lending Practices in Rural Communities Act; H.R. 1261: Bureau of Consumer Financial Protection Accountability Act/ Subjects CFPB to Congressional appropriations process; S. 774: Financial Institutions Examination Fairness and Reform Act; S. 871: HELP Rural Communities Act of 2015/ CFPB Rural Definition; H.R. 685: Mortgage Choice Act of 2015/ Points and Fees; H.R. 1408: Mortgage Servicing Asset Capital Requirements Act; H.R. 1422: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; H.R. 1529: Community Institution Mortgage Relief Act of 2015; H.R. 1941: Financial Institutions Examination Fairness and Reform Act; Regulatory Burdens; Qualified Mortgage Rule; S. 1484: Financial Regulatory Improvement Act; S. 2028: A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; H.R. 3738: the Office of Financial Research Accountability Act of 2015; H.R. 3557: the FSOC Transparency and Accountability Act; H.R. 1660: the Federal Savings Association Charter Flexibility Act; Improve the federal charter of credit unions through the FCU Act; H.R. 989: Capital Access for Small Businesses and Jobs Act/ Supplemental Capital; H.R. 1133: To exclude extensions of credit made to veterans from the definition of a member business loan under the Federal Credit Union Act; NCUA proposed rulemaking on a federal insured credit unions member business lending; NCUAs exam scheduling policy; NAFCUs Top Ten Regulations for Eliminate of Amend (improve process for credit unions seeking changes to their field of membership; provide more meaningful exemptions for small institutions; expand credit union investment authority; allowing more transfers per month from savings accounts per Federal Reserve Regulation D; flexibility for credit unions making member business loans; NCUAs member business lending rule: update requirement to disclose account numbers to protect privacy of members; update advertising requirements for loan products and share accounts; seek improvements to the NCUA Central Liquidity Facility; obtain flexibility for federal credit unions to determine their choice of law; update simplify and make improvements to regulations governing check processing funds); S. 423: Privacy Notice Modernization Act of 2015; H.R. 22: the Surface Transportation Reauthorization and Reform Act of 2015; NCUAs proposed Field of Membership Amendments; H.R. 2995: Financial Services and General Government Appropriations Act; Require the CFPB to conduct a fair, comprehensive study before adopting a rule that would restrict arbitration and open the door to abusive class actions; NCUA third party vendor authority; CFPB request for approval under the Paperwork Reduction Act to conduct a national web-based survey relative to overdraft protection services; CFPB consumer complaint narrative database; CFPB and the student loan servicing market; CFPB integration of the Truth in Lending Act (TILA) - Real Estate Settlement Procedures Act (RESPA) disclosures, consider good faith efforts to comply with TRID; financial regulators must level the playing field and promulgate rules that require non-traditional market lenders to meet basic consumer protection requirements such as those of TILA, underwriting standards for loans, and applicable state usury laws; FSOC should facilitate regulatory coordination among its member regulators; preserve the credit union tax exemption; regulatory relief including CFPB using their exemption authority more; Housing Finance Reform - it is vital that credit unions continue to have unfettered access to the secondary mortgage market and any reforms should have emphasis on fair pricing that reflects loan quality rather than quantity; Department of Labors proposed changes to the Fair Labor Standards Act for certain full-time salaried works to be eligible for overtime protections; Federal Communication Commission clarification for free end user calls made by financial institutions; Federal Communication Commission clarification regarding clarifications to the interpretations of the Telephone Consumer Protection Act; H.R. 1155: the Searching for and Cutting Regulations that are unnecessarily Burdensome (SCRUB) Act; prepaid cards - CFPB efforts to ensure that consumers using prepaid products are sufficiently informed and protected - they should find appropriate balance between adequate consumer protection and allowing consumers access to products they demand; compliance burdens related to CFPB amendments to Regulation C, HMDA; Small Business Administration SBA 7(a) business loan program; H.R. 2499: Veterans Entrepreneurship Act of 2015; FY 2016 Financial Services and General Government Appropriations bill; H.R. 427: Regulations for the Executive in Need of Scrutiny Act of 2015; Agency use of regulatory guidance; Protect responsible overdraft services; Changes to requirements under the Home Mortgage Disclosure Act; H.R. 957: Bureau of Consumer Financial Protection Inspector General Reform Act; Reform of Fannie Mae and Freddie Mac; Credit risk-guarantee fees; Military Lending Act; H.R. 1735: National Defense Authorization Act for Fiscal Year 2016; Cost-benefit analysis at federal regulatory agencies; Regulatory coordination; Regulations related to remittance transfers; Legal opinion letters at the CFPB; H.R. 9: Innovation Act; H.R. 185: Regulatory Accountability Act of 2015; H.R. 527: Small Business Regulatory Flexibility Improvements Act of 2015; H.R. 650: Preserving Access to Manufactured Housing Act; H.R. 766: Financial Institution Customer Protection Act/ Ending Operation Choke Point; H.R. 1262: Consumer Right to Financial Privacy Act of 2015; H.R. 1263: Consumer Financial Protection Safety and Soundness Improvement Act/ Changes veto authority of the Financial Stability Oversight Council; H.R. 1265: Bureau Advisory Commission Transparency Act/ Making credit union advisory council meetings public; H.R. 1266: Financial Product Safety Commission Act/ Replacing CFPB Director with Commission; H.R. 1309: Systemic Risk Designation Improvement Act of 2015; S. 881: Comprehensive Regulatory Review Act of 2015; S. 924: To require public hearings on NCUA's budget; S. 1137: PATENT Act; S. 1440: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; Ensure an Effective Payments system; Fairness under FCC ruling on autodialing and FCC oversight; modernize online lending laws and regulations; give NCUA greater flexibility with credit union lending including the ability to establish longer maturities for certain loans; preventing g-fees charged by Fannie and Freddie from being used as funding offset; NCUA 18-month Exam Cycle; Military Lending Act Database; Credit Losses Accounting Standard; FASB Accounting Standards; CFPBs expansion of data collection under Reg C, Privacy protections for data collected by CFPB; NIST notice and request for information on views on the Framework for Improving Critical Infrastructure Cybersecurity; Comments on Notice of proposed rulemaking regarding field of membership and chartering; CBSA population limit, combined statistical area, well defined local communities, rural population limits, multiple common bond charters, underserved areas, TIP charters; CFPB information collection on compliance costs and other effects of regulation; Duty to serve underserved markets; interchange rates as related to the Durbin Amendment to Dodd-Frank; Federal Reserves EGRPRA review process; FHFAs principal reduction consideration; FFIEC Cybersecurity Assessment Tool; Department of Labor Overtime Rule; Department of Labor Fiduciary Rule.

Consumer Financial Protection Bureaus (CFPB) Notice and Request for Comment on Web-Based Quantitative Testing Point of Sale/ATM (POS/ATM) Overdraft Disclosure Forms; Comments responding to request for information on the FHFAs proposed collection of information relating to the NSEMB; Comments on Regulatory Impact Assessment and Initial Regulatory Flexibility Analysis, RIN 1506-AB25; Concerns with CFPB future payday lending rulemakings; payday lending as related to the CFPBs Outline of Proposals Under Consideration; H.R. 3192: Homebuyers Assistance Act; H.R. 2769: Risk-Based Capital Study Act; National Credit Union Administrations (NCUA) risk-based capital proposal; H.R. 2205: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; EMV chip technology is what makes the new cards more secure - PIN is a distraction from the real issue that is data security; party responsible for breached data should be liable for costs associated with breach; NCUA budget transparency; H.R. 1176: NCUA Budget Transparency Act/ GAO Study of NCUA budgeting practices; H.R. 1188: Credit Union Small Business Jobs Creation Act/ raising MBL cap; H.R. 1195: Bureau of Consumer Financial Protection Advisory Boards Act; H.R. 1210: Portfolio Lending and Mortgage Access Act; H.R. 2473: Preserving Capital Access and Mortgage Liquidity Act of 2015; H.R. 2896: the TAILOR Act of 2015; S. 754: Cyber Security Information Sharing Act; NAFCUs Five Point Plan for Regulatory Relief (capital reforms for credit unions; field of membership improvements for credit unions; reduced consumer financial protection bureaus on credit unions; operational improvements for credit unions; 21st century data security standards); Regulatory relief for credit unions; S. 961: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; NCUAs efforts to allow credit unions to better serve rural areas; H.R. 1259: Helping Expand Lending Practices in Rural Communities Act; H.R. 1261: Bureau of Consumer Financial Protection Accountability Act/ Subjects CFPB to Congressional appropriations process; S. 774: Financial Institutions Examination Fairness and Reform Act; S. 871: HELP Rural Communities Act of 2015/ CFPB Rural Definition; H.R. 685: Mortgage Choice Act of 2015/ Points and Fees; H.R. 1408: Mortgage Servicing Asset Capital Requirements Act; H.R. 1422: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; H.R. 1529: Community Institution Mortgage Relief Act of 2015; H.R. 1941: Financial Institutions Examination Fairness and Reform Act; Regulatory Burdens; Qualified Mortgage Rule; S. 1484: Financial Regulatory Improvement Act; S. 2028: A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; H.R. 3738: the Office of Financial Research Accountability Act of 2015; H.R. 3557: the FSOC Transparency and Accountability Act; H.R. 1660: the Federal Savings Association Charter Flexibility Act; Improve the federal charter of credit unions through the FCU Act; H.R. 989: Capital Access for Small Businesses and Jobs Act/ Supplemental Capital; H.R. 1133: To exclude extensions of credit made to veterans from the definition of a member business loan under the Federal Credit Union Act; NCUA proposed rulemaking on a federal insured credit unions member business lending; NCUAs exam scheduling policy; NAFCUs Top Ten Regulations for Eliminate of Amend (improve process for credit unions seeking changes to their field of membership; provide more meaningful exemptions for small institutions; expand credit union investment authority; allowing more transfers per month from savings accounts per Federal Reserve Regulation D; flexibility for credit unions making member business loans; NCUAs member business lending rule: update requirement to disclose account numbers to protect privacy of members; update advertising requirements for loan products and share accounts; seek improvements to the NCUA Central Liquidity Facility; obtain flexibility for federal credit unions to determine their choice of law; update simplify and make improvements to regulations governing check processing funds); S. 423: Privacy Notice Modernization Act of 2015; H.R. 22: the Surface Transportation Reauthorization and Reform Act of 2015; NCUAs proposed Field of Membership Amendments; H.R. 2995: Financial Services and General Government Appropriations Act; Require the CFPB to conduct a fair, comprehensive study before adopting a rule that would restrict arbitration and open the door to abusive class actions; NCUA third party vendor authority; CFPB request for approval under the Paperwork Reduction Act to conduct a national web-based survey relative to overdraft protection services; CFPB consumer complaint narrative database; CFPB and the student loan servicing market; CFPB integration of the Truth in Lending Act (TILA) - Real Estate Settlement Procedures Act (RESPA) disclosures, consider good faith efforts to comply with TRID; financial regulators must level the playing field and promulgate rules that require non-traditional market lenders to meet basic consumer protection requirements such as those of TILA, underwriting standards for loans, and applicable state usury laws; FSOC should facilitate regulatory coordination among its member regulators; preserve the credit union tax exemption; regulatory relief including CFPB using their exemption authority more; Housing Finance Reform - it is vital that credit unions continue to have unfettered access to the secondary mortgage market and any reforms should have emphasis on fair pricing that reflects loan quality rather than quantity; Department of Labors proposed changes to the Fair Labor Standards Act for certain full-time salaried works to be eligible for overtime protections; Federal Communication Commission clarification for free end user calls made by financial institutions; Federal Communication Commission clarification regarding clarifications to the interpretations of the Telephone Consumer Protection Act; H.R. 1155: the Searching for and Cutting Regulations that are unnecessarily Burdensome (SCRUB) Act; prepaid cards - CFPB efforts to ensure that consumers using prepaid products are sufficiently informed and protected - they should find appropriate balance between adequate consumer protection and allowing consumers access to products they demand; compliance burdens related to CFPB amendments to Regulation C, HMDA; Small Business Administration SBA 7(a) business loan program; H.R. 2499: Veterans Entrepreneurship Act of 2015; FY 2016 Financial Services and General Government Appropriations bill; H.R. 427: Regulations for the Executive in Need of Scrutiny Act of 2015; Agency use of regulatory guidance; Protect responsible overdraft services; Changes to requirements under the Home Mortgage Disclosure Act; H.R. 957: Bureau of Consumer Financial Protection Inspector General Reform Act; Reform of Fannie Mae and Freddie Mac; Credit risk-guarantee fees; Military Lending Act; H.R. 1735: National Defense Authorization Act for Fiscal Year 2016; Cost-benefit analysis at federal regulatory agencies; Regulatory coordination; Regulations related to remittance transfers; Legal opinion letters at the CFPB; H.R. 9: Innovation Act; H.R. 185: Regulatory Accountability Act of 2015; H.R. 527: Small Business Regulatory Flexibility Improvements Act of 2015; H.R. 650: Preserving Access to Manufactured Housing Act; H.R. 766: Financial Institution Customer Protection Act/ Ending Operation Choke Point; H.R. 1262: Consumer Right to Financial Privacy Act of 2015; H.R. 1263: Consumer Financial Protection Safety and Soundness Improvement Act/ Changes veto authority of the Financial Stability Oversight Council; H.R. 1265: Bureau Advisory Commission Transparency Act/ Making credit union advisory council meetings public; H.R. 1266: Financial Product Safety Commission Act/ Replacing CFPB Director with Commission; H.R. 1309: Systemic Risk Designation Improvement Act of 2015; S. 881: Comprehensive Regulatory Review Act of 2015; S. 924: To require public hearings on NCUA's budget; S. 1137: PATENT Act; S. 1440: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; Ensure an Effective Payments system; Fairness under FCC ruling on autodialing and FCC oversight; modernize online lending laws and regulations; give NCUA greater flexibility with credit union lending including the ability to establish longer maturities for certain loans; preventing g-fees charged by Fannie and Freddie from being used as funding offset; NCUA 18-month Exam Cycle; Military Lending Act Database; Credit Losses Accounting Standard; FASB Accounting Standards; CFPBs expansion of data collection under Reg C, Privacy protections for data collected by CFPB; NIST notice and request for information on views on the Framework for Improving Critical Infrastructure Cybersecurity; Comments on Notice of proposed rulemaking regarding field of membership and chartering; CBSA population limit, combined statistical area, well defined local communities, rural population limits, multiple common bond charters, underserved areas, TIP charters; CFPB information collection on compliance costs and other effects of regulation; Duty to serve underserved markets; interchange rates as related to the Durbin Amendment to Dodd-Frank; Federal Reserves EGRPRA review process; FHFAs principal reduction consideration; FFIEC Cybersecurity Assessment Tool; Department of Labor Overtime Rule; Department of Labor Fiduciary Rule.

Issues affecting the credit union industry; HR 1188 member business lending; HR 601 privacy notices; HR 1133 veterans and business lending; HR 2250 Data Security; HR 1422 Residential Loan Parity; and HR 2473 Capital Access; Mortgage Liquidity, HR 3048,Community Financial Institution Exemption Act, and S. 1484,regulatory relief.

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

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

Annual Privacy Disclosure Notices:[H.R. 601, S.423, S.1484]; Capital Reform:[ H.R.2769]; Consumer Financial Protection Bureau Improvements:[H.R. 3193, H.R. 1266]; Consumer Financial Protection Bureaus Qualified Mortgage Definition:[H.R. 685, H.R. 1259, S. 871]; Credit Union Tax Exemption:[H.R. 1]; Data Security:[H.R. 2205, S. 961]; Defense Credit Union Issues:[H.R. 1735]; Housing Finance Reform:[S. 1217]; Interchange Fees;Member Business Lending:[H.R. 1133, H.R. 1188, H.R. 1422]; Regulatory Relief:[S. 1484, H.R. 3468]; Supplemental Capital:[H.R.719, H.R. 989].

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 989, supplemental capital. H.R. 1188 member business lending. H.R. 1133 veterans exemption to member business lending cap. H.R. 299 privately insured credit unions. H.R. 601 privacy notifications.H.R. 1422 residential parity. H.R. 2679, risk based capital stop and study act. S. 1484, regulatory relief. S.2028, member business lending. S. 1440, residential parity. S. 961, data security. Merchant data breaches as they apply to financial institutions. EMV chip-card conversions. National Credit Union Administration and Consumer Financial Protection Bureau regulatory issues. Proposed rules on Field of Membership and Member Business Lending. Credit union examinations. Risk-based capital. Truth in lending disclosures (TRID). HMDA Home Mortgage Disclosure Act. Community lender exemption authority to Dodd-Frank Wall Street Reform and Consumer Protection Act.

Client expense: $110,000 · Firm income: Not reported

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

Consumer Financial Protection Bureaus (CFPB) Notice and Request for Comment on Web-Based Quantitative Testing Point of Sale/ATM (POS/ATM) Overdraft Disclosure Forms; Concerns with CFPB future payday lending rulemakings; payday lending as related to the CFPBs Outline of Proposals Under Consideration; H.R. 601: the Eliminate Privacy Notice Confusion Act; H.R. 3192: Homebuyers Assistance Act; H.R. 2769: Risk-Based Capital Study Act; National Credit Union Administrations (NCUA) risk-based capital proposal; H.R. 2205: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; EMV chip technology is what makes the new cards more secure - PIN is a distraction from the real issue that is data security; party responsible for breached data should be liable for costs associated with breach; NCUA budget transparency; H.R. 1176: NCUA Budget Transparency Act/ GAO Study of NCUA budgeting practices; H.R. 1188: Credit Union Small Business Jobs Creation Act/ raising MBL cap; H.R. 1195: Bureau of Consumer Financial Protection Advisory Boards Act; H.R. 1210: Portfolio Lending and Mortgage Access Act; H.R. 2473: Preserving Capital Access and Mortgage Liquidity Act of 2015; H.R. 2896: the TAILOR Act of 2015; S. 754: Cyber Security Information Sharing Act; NAFCUs Five Point Plan for Regulatory Relief (capital reforms for credit unions; field of membership improvements for credit unions; reduced consumer financial protection bureaus on credit unions; operational improvements for credit unions; 21st century data security standards); Regulatory relief for credit unions; S. 961: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; NCUAs efforts to allow credit unions to better serve rural areas; H.R. 1259: Helping Expand Lending Practices in Rural Communities Act;H.R. 1261: Bureau of Consumer Financial Protection Accountability Act/ Subjects CFPB to Congressional appropriations process; S. 774: Financial Institutions Examination Fairness and Reform Act; S. 871: HELP Rural Communities Act of 2015/ CFPB Rural Definition; H.R. 685: Mortgage Choice Act of 2015/ Points and Fees; H.R. 1408: Mortgage Servicing Asset Capital Requirements Act; H.R. 1422: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; H.R. 1529: Community Institution Mortgage Relief Act of 2015; H.R. 1941: Financial Institutions Examination Fairness and Reform Act; Regulatory Burdens; Qualified Mortgage Rule; S. 1484: Financial Regulatory Improvement Act; S. 2028: A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; H.R. 3738: the Office of Financial Research Accountability Act of 2015; H.R. 3557: the FSOC Transparency and Accountability Act; H.R. 1660: the Federal Savings Association Charter Flexibility Act; Improve the federal charter of credit unions through the FCU Act; H.R. 989: Capital Access for Small Businesses and Jobs Act/ Supplemental Capital; H.R. 1133: To exclude extensions of credit made to veterans from the definition of a member business loan under the Federal Credit Union Act; NCUA proposed rulemaking on a federal insured credit unions member business lending; NCUAs exam scheduling policy; NAFCUs Top Ten Regulations for Eliminate of Amend (improve process for credit unions seeking changes to their field of membership; provide more meaningful exemptions for small institutions; expand credit union investment authority; allowing more transfers per month from savings accounts per Federal Reserve Regulation D; flexibility for credit unions making member business loans; update requirement to disclose account numbers to protect privacy of members; update advertising requirements for loan products and share accounts; seek improvements to the NCUA Central Liquidity Facility; obtain flexibility for federal credit unions to determine their choice of law; update simplify and make improvements to regulations governing check processing funds); S. 423: Privacy Notice Modernization Act of 2015; H.R. 22: the Surface Transportation Reauthorization and Reform Act of 2015; NCUAs proposed Field of Membership Amendments; H.R. 2995: Financial Services and General Government Appropriations Act; Require the CFPB to conduct a fair, comprehensive study before adopting a rule that would restrict arbitration and open the door to abusive class actions; NCUA third party vendor authority; CFPB request for approval under the Paperwork Reduction Act to conduct a national web-based survey relative to overdraft protection services; CFPB consumer complaint narrative database; CFPB and the student loan servicing market; CFPB integration of the Truth in Lending Act (TILA) - Real Estate Settlement Procedures Act (RESPA) disclosures; financial regulators must level the playing field and promulgate rules that require non-traditional market lenders to meet basic consumer protection requirements such as those of TILA, underwriting standards for loans, and applicable state usury laws; FSOC should facilitate regulatory coordination among its member regulators; preserve the credit union tax exemption; regulatory relief including CFPB using their exemption authority more; Housing Finance Reform - it is vital that credit unions continue to have unfettered access to the secondary mortgage market and any reforms should have emphasis on fair pricing that reflects loan quality rather than quantity; Department of Labors proposed changes to the Fair Labor Standards Act for certain full-time salaried works to be eligible for overtime protections; Federal Communication Commission clarification for free end user calls made by financial institutions; Federal Communication Commission clarification regarding clarifications to the interpretations of the Telephone Consumer Protection Act; H.R. 1155: the Searching for and Cutting Regulations that are unnecessarily Burdensome (SCRUB) Act; prepaid cards - CFPB efforts to ensure that consumers using prepaid products are sufficiently informed and protected - they should find appropriate balance between adequate consumer protection and allowing consumers access to products they demand; compliance burdens related to CFPB amendments to Regulation C, HMDA; Small Business Administration SBA 7(a) business loan program; H.R. 2499: Veterans Entrepreneurship Act of 2015; FY 2016 Financial Services and General Government Appropriations bill; H.R. 427: Regulations for the Executive in Need of Scrutiny Act of 2015; Agency use of regulatory guidance; Overdraft services; Changes to requirements under the Home Mortgage Disclosure Act; H.R. 957: Bureau of Consumer Financial Protection Inspector General Reform Act; Reform of Fannie Mae and Freddie Mac; Credit risk-guarantee fees; Military Lending Act; H.R. 1735: National Defense Authorization Act for Fiscal Year 2016; Cost-benefit analysis at federal regulatory agencies; Regulatory coordination; Regulations related to remittance transfers; Legal opinion letters at the CFPB; H.R. 9: Innovation Act; H.R. 185: Regulatory Accountability Act of 2015; H.R. 527: Small Business Regulatory Flexibility Improvements Act of 2015; H.R. 650: Preserving Access to Manufactured Housing Act; H.R. 766: Financial Institution Customer Protection Act/ Ending Operation Choke Point; H.R. 1262: Consumer Right to Financial Privacy Act of 2015; H.R. 1263: Consumer Financial Protection Safety and Soundness Improvement Act/ Changes veto authority of the Financial Stability Oversight Council; H.R. 1265: Bureau Advisory Commission Transparency Act/ Making credit union advisory council meetings public; H.R. 1266: Financial Product Safety Commission Act/ Replacing CFPB Director with Commission; H.R. 1309: Systemic Risk Designation Improvement Act of 2015; S. 881: Comprehensive Regulatory Review Act of 2015; S. 924: To require public hearings on NCUA's budget; S. 1137: PATENT Act; S. 1440: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption.

Consumer Financial Protection Bureaus (CFPB) Notice and Request for Comment on Web-Based Quantitative Testing Point of Sale/ATM (POS/ATM) Overdraft Disclosure Forms; Concerns with CFPB future payday lending rulemakings; payday lending as related to the CFPBs Outline of Proposals Under Consideration; H.R. 601: the Eliminate Privacy Notice Confusion Act; H.R. 3192: Homebuyers Assistance Act; H.R. 2769: Risk-Based Capital Study Act; National Credit Union Administrations (NCUA) risk-based capital proposal; H.R. 2205: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; EMV chip technology is what makes the new cards more secure - PIN is a distraction from the real issue that is data security; party responsible for breached data should be liable for costs associated with breach; NCUA budget transparency; H.R. 1176: NCUA Budget Transparency Act/ GAO Study of NCUA budgeting practices; H.R. 1188: Credit Union Small Business Jobs Creation Act/ raising MBL cap; H.R. 1195: Bureau of Consumer Financial Protection Advisory Boards Act; H.R. 1210: Portfolio Lending and Mortgage Access Act; H.R. 2473: Preserving Capital Access and Mortgage Liquidity Act of 2015; H.R. 2896: the TAILOR Act of 2015; S. 754: Cyber Security Information Sharing Act; NAFCUs Five Point Plan for Regulatory Relief (capital reforms for credit unions; field of membership improvements for credit unions; reduced consumer financial protection bureaus on credit unions; operational improvements for credit unions; 21st century data security standards); Regulatory relief for credit unions; S. 961: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; NCUAs efforts to allow credit unions to better serve rural areas; H.R. 1259: Helping Expand Lending Practices in Rural Communities Act;H.R. 1261: Bureau of Consumer Financial Protection Accountability Act/ Subjects CFPB to Congressional appropriations process; S. 774: Financial Institutions Examination Fairness and Reform Act; S. 871: HELP Rural Communities Act of 2015/ CFPB Rural Definition; H.R. 685: Mortgage Choice Act of 2015/ Points and Fees; H.R. 1408: Mortgage Servicing Asset Capital Requirements Act; H.R. 1422: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; H.R. 1529: Community Institution Mortgage Relief Act of 2015; H.R. 1941: Financial Institutions Examination Fairness and Reform Act; Regulatory Burdens; Qualified Mortgage Rule; S. 1484: Financial Regulatory Improvement Act; S. 2028: A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; H.R. 3738: the Office of Financial Research Accountability Act of 2015; H.R. 3557: the FSOC Transparency and Accountability Act; H.R. 1660: the Federal Savings Association Charter Flexibility Act; Improve the federal charter of credit unions through the FCU Act; H.R. 989: Capital Access for Small Businesses and Jobs Act/ Supplemental Capital; H.R. 1133: To exclude extensions of credit made to veterans from the definition of a member business loan under the Federal Credit Union Act; NCUA proposed rulemaking on a federal insured credit unions member business lending; NCUAs exam scheduling policy; NAFCUs Top Ten Regulations for Eliminate of Amend (improve process for credit unions seeking changes to their field of membership; provide more meaningful exemptions for small institutions; expand credit union investment authority; allowing more transfers per month from savings accounts per Federal Reserve Regulation D; flexibility for credit unions making member business loans; update requirement to disclose account numbers to protect privacy of members; update advertising requirements for loan products and share accounts; seek improvements to the NCUA Central Liquidity Facility; obtain flexibility for federal credit unions to determine their choice of law; update simplify and make improvements to regulations governing check processing funds); S. 423: Privacy Notice Modernization Act of 2015; H.R. 22: the Surface Transportation Reauthorization and Reform Act of 2015; NCUAs proposed Field of Membership Amendments; H.R. 2995: Financial Services and General Government Appropriations Act; Require the CFPB to conduct a fair, comprehensive study before adopting a rule that would restrict arbitration and open the door to abusive class actions; NCUA third party vendor authority; CFPB request for approval under the Paperwork Reduction Act to conduct a national web-based survey relative to overdraft protection services; CFPB consumer complaint narrative database; CFPB and the student loan servicing market; CFPB integration of the Truth in Lending Act (TILA) - Real Estate Settlement Procedures Act (RESPA) disclosures; financial regulators must level the playing field and promulgate rules that require non-traditional market lenders to meet basic consumer protection requirements such as those of TILA, underwriting standards for loans, and applicable state usury laws; FSOC should facilitate regulatory coordination among its member regulators; preserve the credit union tax exemption; regulatory relief including CFPB using their exemption authority more; Housing Finance Reform - it is vital that credit unions continue to have unfettered access to the secondary mortgage market and any reforms should have emphasis on fair pricing that reflects loan quality rather than quantity; Department of Labors proposed changes to the Fair Labor Standards Act for certain full-time salaried works to be eligible for overtime protections; Federal Communication Commission clarification for free end user calls made by financial institutions; Federal Communication Commission clarification regarding clarifications to the interpretations of the Telephone Consumer Protection Act; H.R. 1155: the Searching for and Cutting Regulations that are unnecessarily Burdensome (SCRUB) Act; prepaid cards - CFPB efforts to ensure that consumers using prepaid products are sufficiently informed and protected - they should find appropriate balance between adequate consumer protection and allowing consumers access to products they demand; compliance burdens related to CFPB amendments to Regulation C, HMDA; Small Business Administration SBA 7(a) business loan program; H.R. 2499: Veterans Entrepreneurship Act of 2015; FY 2016 Financial Services and General Government Appropriations bill; H.R. 427: Regulations for the Executive in Need of Scrutiny Act of 2015; Agency use of regulatory guidance; Overdraft services; Changes to requirements under the Home Mortgage Disclosure Act; H.R. 957: Bureau of Consumer Financial Protection Inspector General Reform Act; Reform of Fannie Mae and Freddie Mac; Credit risk-guarantee fees; Military Lending Act; H.R. 1735: National Defense Authorization Act for Fiscal Year 2016; Cost-benefit analysis at federal regulatory agencies; Regulatory coordination; Regulations related to remittance transfers; Legal opinion letters at the CFPB; H.R. 9: Innovation Act; H.R. 185: Regulatory Accountability Act of 2015; H.R. 527: Small Business Regulatory Flexibility Improvements Act of 2015; H.R. 650: Preserving Access to Manufactured Housing Act; H.R. 766: Financial Institution Customer Protection Act/ Ending Operation Choke Point; H.R. 1262: Consumer Right to Financial Privacy Act of 2015; H.R. 1263: Consumer Financial Protection Safety and Soundness Improvement Act/ Changes veto authority of the Financial Stability Oversight Council; H.R. 1265: Bureau Advisory Commission Transparency Act/ Making credit union advisory council meetings public; H.R. 1266: Financial Product Safety Commission Act/ Replacing CFPB Director with Commission; H.R. 1309: Systemic Risk Designation Improvement Act of 2015; S. 881: Comprehensive Regulatory Review Act of 2015; S. 924: To require public hearings on NCUA's budget; S. 1137: PATENT Act; S. 1440: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption.

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR185; HR 299; HR 601; HR 685; HR 957; HR 989; HR 1090 HR 1133; HR 1176; HR 1188; HR 1195; HR 1233; HR 1266; HR 1408; HR 1422; HR 1480; HR 1491; HR 1529; HR 1550; HR 1659; HR 1660; HR 1661; HR 1737; HR 1941; HR 2099; HR 2205; HR 2213; HR 2473; HR 2477; HR 2642; HR 2769; HR 3192; HR 3340; HR 3557; HR 3700; HR 3738; HR 3808; HR 3857; HR 4099; HR 4166; HR 4210; S. 423; S. 482; S. 726; S. 774; S. 924; S. 970; S. 1383; S. 1440; S. 1484; S. 1491; S. 2006; S. 2028; S. 2038; S. 2315 data security and cybersecurity; patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

Client expense: Not reported · Firm income: $40,000

Issues affecting the credit union industry; HR 1188 member business lending; HR 601 privacy notices; HR 1133 veterans and business lending; HR 2250 Data Security; HR 1422 Residential Loan Parity; and HR 2473 Capital Access; Mortgage Liquidity, HR 3048,Community Financial Institution Exemption Act, and S. 1484,regulatory relief.

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

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

H.R. 989, supplemental capital. H.R. 1188 member business lending. H.R. 1133 veterans exemption to member business lending cap. H.R. 299 privately insured credit unions. H.R. 601 privacy notifications.H.R. 1422 residential parity. H.R. 2679, risk based capital stop and study act. S. 1484, regulatory relief. S.2028, member business lending. S. 1440, residential parity. S. 961, data security. Merchant data breaches as they apply to financial institutions. National Credit Union Administration and Consumer Financial Protection Bureau regulatory issues. Proposed rules on Field of Membership and Member Business Lending. Credit union examinations. Risk-based capital. Truth in lending disclosures (TRID).

Client expense: $110,000 · Firm income: Not reported

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

Annual Privacy Disclosure Notices:[H.R. 601, S.423, S.1484]; Capital Reform:[ H.R.2769]; Consumer Financial Protection Bureau Improvements:[H.R. 3193, H.R. 1266]; Consumer Financial Protection Bureaus Qualified Mortgage Definition:[H.R. 685, H.R. 1259, S. 871]; Credit Union Tax Exemption:[H.R. 1]; Data Security:[H.R. 2205, S. 961]; Defense Credit Union Issues:[H.R. 1735]; Housing Finance Reform:[S. 1217]; Interchange Fees;Member Business Lending:[H.R. 1133, H.R. 1188, H.R. 1422]; Regulatory Relief:[S. 1484, H.R. 3468]; Supplemental Capital:[H.R.719, H.R. 989].

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Annual Privacy Disclosure Notices:[H.R. 601, S.423, S.1484]; Capital Reform:[H.R. 2769]; Consumer Financial Protection Bureau Improvements:[H.R. 3193, H.R. 1266]; Consumer Financial Protection Bureaus Qualified Mortgage Definition:[H.R. 685, H.R. 1259, S. 871]; Credit Union Tax Exemption:[H.R. 1]; Data Security:[H.R. 2205, S. 961]; Defense Credit Union Issues:[H.R. 1735]; Housing Finance Reform:[S. 1217]; Interchange Fees; Member Business Lending:[H.R. 1133, H.R. 1188, H.R. 1422]; Regulatory Relief:[S. 1484, H.R.3468]; Supplemental Capital:[H.R.719, H.R. 989].

Client expense: Not reported · Firm income: Not reported

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR185; HR 299; HR 601; HR 685; HR 957; HR 989; HR 1090 HR 1133; HR 1176; HR 1188; HR 1195; HR 1233; HR 1266; HR 1408; HR 1422; HR 1480; HR 1491; HR 1529; HR 1550; HR 1659; HR 1660; HR 1661; HR 1737; HR 1941; HR 2099; HR 2205; HR 2213; HR 2473; HR 2477; HR 2642; HR 2769; HR 3192 S. 423; S. 482; S. 726; S. 774; S. 924; S. 970; S. 1383; S. 1440; S. 1484; S. 1491; S. 2006; S. 2028 data security and cybersecurity; patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Consumer Financial Protection Bureaus (CFPB) request for approval under the Paperwork Reduction Act to conduct a national web-based survey relative to overdraft protection services; CFPB consumer complaint narrative database; CFPB and the student loan servicing market; CFPB integration of the Truth in Lending Act (TILA) - Real Estate Settlement Procedures Act (RESPA) disclosures; U.S. Department of Education rule making on student accounts in receipt of Title IV Higher Education Act program funds; Department of Labors proposed changes to the Fair Labor Standards Act for certain full-time salaried works to be eligible for overtime protections; Federal Communication Commission clarification for free end user calls made by financial institutions; Federal Communication Commission clarification regarding clarifications to the interpretations of the Telephone Consumer Protection Act; Federal Housing Finance Agencys calculation to the Housing Price Index; Federal Reserve Boards proposed enhancements to the Federal Reserve Banks Automated Cleaning House Service; U.S. Department of Housing and Urban Development on its proposed revisions to the HUD Addendum to Uniform Residential Loan Application; U.S. Department of Housing and Urban Development proposed rule to the Federal Housing Administrations single-family procedures for filing and calculating claims under the insurance program; National Credit Union Administrations (NCUA) request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996; Federal Financial Institutions Examination Council Cybersecurity Assessment Tool; NCUA proposed rulemaking on a federal insured credit unions member business lending; NCUAs exam scheduling policy; NCUAs request for comment on the collection of information related to the final interagency policy statement on diversity policies and practices; NCUAs 2015 Regulatory Review; NCUAs mid-year budget review; NCUAs rules and regulations governing share insurance coverage; NCUAs risk-based capital proposal; Retention of the credit union tax exemption; Cyber security; Data security;S. 754: Cyber Security Information Sharing Act; NAFCUs Five Point Plan for Regulatory Relief (capital reforms for credit unions; field of membership improvements for credit unions; reduced consumer financial protection bureaus on credit unions; operational improvements for credit unions; 21st century data security standards); Regulatory relief for credit unions; H.R. 3038: Highway Transportation Funding Act of 2015; Funding for the Highway Transportation Funding Act of 2015; Additional mortgage reporting requirements for lenders to the Internal Revenue Service; NCUA budget transparency; NCUA third party vendor authority; Small Business Administration SBA 7(a) business loan program; H.R. 2499: Veterans Entrepreneurship Act of 2015; FY 2016 Financial Services and General Government Appropriations bill; H.R. 427: Regulations for the Executive in Need of Scrutiny Act of 2015; NAFCUs Top Ten Regulations for Eliminate of Amend (improve process for credit unions seeking changes to their field of membership; provide more meaningful exemptions for small institutions; expand credit union investment authority; allowing more transfers per month from savings accounts per Federal Reserve Regulation D; flexibility for credit unions making member business loans; update requirement to disclose account numbers to protect privacy of members; update advertising requirements for loan products and share accounts; seek improvements to the NCUA Central Liquidity Facility; obtain flexibility for federal credit unions to determine their choice of law; update simplify and make improvements to regulations governing check processing funds); S.A. 2607 to Senate cybersecurity legislation that would allow NCUA to regulate and examine service providers to credit unions; Agency use of regulatory guidance; Overdraft services; Changes to requirements under the Home Mortgage Disclosure Act; H.R. 957: Bureau of Consumer Financial Protection Inspector General Reform Act; Reform of Fannie Mae and Freddie Mac; Credit risk-guarantee fees; Military Lending Act; H.R. 1735: National Defense Authorization Act for Fiscal Year 2016; Cost-benefit analysis at federal regulatory agencies; Regulatory coordination; Regulations related to remittance transfers; Legal opinion letters at the CFPB; H.R. 9: Innovation Act; H.R. 185: Regulatory Accountability Act of 2015; H.R. 527: Small Business Regulatory Flexibility Improvements Act of 2015; H.R. 601: Eliminate Privacy Notice Confusion Act; H.R. 650: Preserving Access to Manufactured Housing Act; H.R. 685: Mortgage Choice Act of 2015/ Points and Fees;H.R. 766: Financial Institution Customer Protection Act/ Ending Operation Choke Point; H.R. 989: Capital Access for Small Businesses and Jobs Act/ Supplemental Capital; H.R. 1133: To exclude extensions of credit made to veterans from the definition of a member business loan under the Federal Credit Union Act; H.R. 1176: NCUA Budget Transparency Act/ GAO Study of NCUA budgeting practices; H.R. 1188: Credit Union Small Business Jobs Creation Act/ Lifting MBL cap; H.R. 1195: Bureau of Consumer Financial Protection Advisory Boards Act; H.R. 1210: Portfolio Lending and Mortgage Access Act; H.R. 1233: CLEARR Act of 2015; H.R. 1259: Helping Expand Lending Practices in Rural Communities Act;H.R. 1261: Bureau of Consumer Financial Protection Accountability Act/ Subjects CFPB to Congressional appropriations process; H.R. 1262: Consumer Right to Financial Privacy Act of 2015; H.R. 1263: Consumer Financial Protection Safety and Soundness Improvement Act/ Changes veto authority of the Financial Stability Oversight Council; H.R. 1265: Bureau Advisory Commission Transparency Act/ Making credit union advisory council meetings public; H.R. 1266: Financial Product Safety Commission Act/ Replacing CFPB Director with Commission; H.R. 1309: Systemic Risk Designation Improvement Act of 2015; H.R. 1408: Mortgage Servicing Asset Capital Requirements Act; H.R. 1422: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; H.R. 1529: Community Institution Mortgage Relief Act of 2015; H.R. 1941: Financial Institutions Examination Fairness and Reform Act; H.R. 2205: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; H.R. 2213: To provide for a safe harbor from the enforcement of integrated disclosure requirements for TILA/RESPA; H.R. 2287: To require public hearings on NCUAs budget; H.R. 2769: Risk-Based Capital Study Act; H.R. 3048: Community Financial Institution Exemption Act; H.R. 3192: Homebuyers Assistance Act; S. 423: Privacy Notice Modernization Act of 2015; S. 482: Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015; S. 774: Financial Institutions Examination Fairness and Reform Act; S. 812: CLEAR Relief Act of 2015; S. 871: HELP Rural Communities Act of 2015/ CFPB Rural Definition; S. 881: Comprehensive Regulatory Review Act of 2015; S. 924: To require public hearings on NCUA's budget; S. 961: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; S. 1137: PATENT Act; S. 1440: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; S. 1484: Financial Regulatory Improvement Act; S. 2028: A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; S. 1711: to provide a temporary safe harbor from enforcement of integrated disclosure requirements for mortgage loan transactions under TILA-RESPA; FHFA membership access proposal; H.R. 2473: Preserving Capital Access and Mortgage Liquidity Act of 2015; H.R. 2896 TAILOR Act of 2015.

Consumer Financial Protection Bureaus (CFPB) request for approval under the Paperwork Reduction Act to conduct a national web-based survey relative to overdraft protection services; CFPB consumer complaint narrative database; CFPB and the student loan servicing market; CFPB integration of the Truth in Lending Act (TILA) - Real Estate Settlement Procedures Act (RESPA) disclosures; U.S. Department of Education rule making on student accounts in receipt of Title IV Higher Education Act program funds; Department of Labors proposed changes to the Fair Labor Standards Act for certain full-time salaried works to be eligible for overtime protections; Federal Communication Commission clarification for free end user calls made by financial institutions; Federal Communication Commission clarification regarding clarifications to the interpretations of the Telephone Consumer Protection Act; Federal Housing Finance Agencys calculation to the Housing Price Index; Federal Reserve Boards proposed enhancements to the Federal Reserve Banks Automated Cleaning House Service; U.S. Department of Housing and Urban Development on its proposed revisions to the HUD Addendum to Uniform Residential Loan Application; U.S. Department of Housing and Urban Development proposed rule to the Federal Housing Administrations single-family procedures for filing and calculating claims under the insurance program; National Credit Union Administrations (NCUA) request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996; Federal Financial Institutions Examination Council Cybersecurity Assessment Tool; NCUA proposed rulemaking on a federal insured credit unions member business lending; NCUAs exam scheduling policy; NCUAs request for comment on the collection of information related to the final interagency policy statement on diversity policies and practices; NCUAs 2015 Regulatory Review; NCUAs mid-year budget review; NCUAs rules and regulations governing share insurance coverage; NCUAs risk-based capital proposal; Retention of the credit union tax exemption; Cyber security; Data security;S. 754: Cyber Security Information Sharing Act; NAFCUs Five Point Plan for Regulatory Relief (capital reforms for credit unions; field of membership improvements for credit unions; reduced consumer financial protection bureaus on credit unions; operational improvements for credit unions; 21st century data security standards); Regulatory relief for credit unions; H.R. 3038: Highway Transportation Funding Act of 2015; Funding for the Highway Transportation Funding Act of 2015; Additional mortgage reporting requirements for lenders to the Internal Revenue Service; NCUA budget transparency; NCUA third party vendor authority; Small Business Administration SBA 7(a) business loan program; H.R. 2499: Veterans Entrepreneurship Act of 2015; FY 2016 Financial Services and General Government Appropriations bill; H.R. 427: Regulations for the Executive in Need of Scrutiny Act of 2015; NAFCUs Top Ten Regulations for Eliminate of Amend (improve process for credit unions seeking changes to their field of membership; provide more meaningful exemptions for small institutions; expand credit union investment authority; allowing more transfers per month from savings accounts per Federal Reserve Regulation D; flexibility for credit unions making member business loans; update requirement to disclose account numbers to protect privacy of members; update advertising requirements for loan products and share accounts; seek improvements to the NCUA Central Liquidity Facility; obtain flexibility for federal credit unions to determine their choice of law; update simplify and make improvements to regulations governing check processing funds); S.A. 2607 to Senate cybersecurity legislation that would allow NCUA to regulate and examine service providers to credit unions; Agency use of regulatory guidance; Overdraft services; Changes to requirements under the Home Mortgage Disclosure Act; H.R. 957: Bureau of Consumer Financial Protection Inspector General Reform Act; Reform of Fannie Mae and Freddie Mac; Credit risk-guarantee fees; Military Lending Act; H.R. 1735: National Defense Authorization Act for Fiscal Year 2016; Cost-benefit analysis at federal regulatory agencies; Regulatory coordination; Regulations related to remittance transfers; Legal opinion letters at the CFPB; H.R. 9: Innovation Act; H.R. 185: Regulatory Accountability Act of 2015; H.R. 527: Small Business Regulatory Flexibility Improvements Act of 2015; H.R. 601: Eliminate Privacy Notice Confusion Act; H.R. 650: Preserving Access to Manufactured Housing Act; H.R. 685: Mortgage Choice Act of 2015/ Points and Fees;H.R. 766: Financial Institution Customer Protection Act/ Ending Operation Choke Point; H.R. 989: Capital Access for Small Businesses and Jobs Act/ Supplemental Capital; H.R. 1133: To exclude extensions of credit made to veterans from the definition of a member business loan under the Federal Credit Union Act; H.R. 1176: NCUA Budget Transparency Act/ GAO Study of NCUA budgeting practices; H.R. 1188: Credit Union Small Business Jobs Creation Act/ Lifting MBL cap; H.R. 1195: Bureau of Consumer Financial Protection Advisory Boards Act; H.R. 1210: Portfolio Lending and Mortgage Access Act; H.R. 1233: CLEARR Act of 2015; H.R. 1259: Helping Expand Lending Practices in Rural Communities Act;H.R. 1261: Bureau of Consumer Financial Protection Accountability Act/ Subjects CFPB to Congressional appropriations process; H.R. 1262: Consumer Right to Financial Privacy Act of 2015; H.R. 1263: Consumer Financial Protection Safety and Soundness Improvement Act/ Changes veto authority of the Financial Stability Oversight Council; H.R. 1265: Bureau Advisory Commission Transparency Act/ Making credit union advisory council meetings public; H.R. 1266: Financial Product Safety Commission Act/ Replacing CFPB Director with Commission; H.R. 1309: Systemic Risk Designation Improvement Act of 2015; H.R. 1408: Mortgage Servicing Asset Capital Requirements Act; H.R. 1422: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; H.R. 1529: Community Institution Mortgage Relief Act of 2015; H.R. 1941: Financial Institutions Examination Fairness and Reform Act; H.R. 2205: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; H.R. 2213: To provide for a safe harbor from the enforcement of integrated disclosure requirements for TILA/RESPA; H.R. 2287: To require public hearings on NCUAs budget; H.R. 2769: Risk-Based Capital Study Act; H.R. 3048: Community Financial Institution Exemption Act; H.R. 3192: Homebuyers Assistance Act; S. 423: Privacy Notice Modernization Act of 2015; S. 482: Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015; S. 774: Financial Institutions Examination Fairness and Reform Act; S. 812: CLEAR Relief Act of 2015; S. 871: HELP Rural Communities Act of 2015/ CFPB Rural Definition; S. 881: Comprehensive Regulatory Review Act of 2015; S. 924: To require public hearings on NCUA's budget; S. 961: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; S. 1137: PATENT Act; S. 1440: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; S. 1484: Financial Regulatory Improvement Act; S. 2028: A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; S. 1711: to provide a temporary safe harbor from enforcement of integrated disclosure requirements for mortgage loan transactions under TILA-RESPA; FHFA membership access proposal; H.R. 2473: Preserving Capital Access and Mortgage Liquidity Act of 2015;H.R. 2896 TAILOR Act of 2015.

Issues affecting the credit union industry; HR 1188 member business lending; HR 601 privacy notices; HR 1133 veterans and business lending; HR 2250 Data Security; HR 1422 Residential Loan Parity; and HR 2473 Capital Access; Mortgage Liquidity, HR 3048,Community Financial Institution Exemption Act, and S. 1484,regulatory relief.

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

H.R. 989, supplemental capital. H.R. 1188 member business lending. H.R. 1133 veterans exemption to member business lending cap. H.R. 299 privately insured credit unions. H.R. 601 privacy notifications.H.R. 1422 residential parity. H.R. 2679, risk based capital stop and study act. S. 1484, regulatory relief. S.2028, member business lending. S. 1440, residential parity. S. 961, data security. Merchant data breaches as they apply to financial institutions. National Credit Union Administration and Consumer Financial Protection Bureau regulatory issues. Credit union examinations. Risk-based capital. Truth in lending disclosures (TRID).

Client expense: $110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR185; HR 299; HR 601; HR 685; HR 989; HR 1133; HR 1176; HR 1188; HR 1195; HR 1233; HR 1266; HR 1408; HR 1422; HR 1480; HR 1491; HR 1529; HR 1550; HR 1659; HR 1660; HR 1661; HR 1737; HR 1941; HR 2099; HR 2205; HR 2213; HR 2473; HR 2477; HR 2642; S. 423; S. 482; S. 726; S. 774; S. 924; S. 970; S. 1383; S. 1440; S. 1484; S. 1491; data security and cybersecurity; patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues affecting the credit union industry; HR 989 supplemental capital; HR 1188 member business lending; HR 601 privacy notices; HR 1133 veterans and business lending; HR 2250 Data Security; HR 1422 Residential Loan Parity; and HR 2473 Capital Access; Mortgage Liquidity, and S. 1484, regulatory relief.

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

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).

Improvements National Credit Union Administrations (NCUA) credit union share insurance fund; NCUAs initiatives to address perceived risk in the credit union system; NCUAs risk-based capital proposals; Credit union ownership of fixed assets; NCUAs changes to small entity status; NCUAs field-of-membership regulations; Consumer Financial Protection Bureaus (CFPB) request for comment on the credit card market; CFPBs consumer complaint database; NCUAs interest rate ceiling policy; NCUA and member business lending reform; NCUA regulations related to corporate credit unions; Financial Accounting Standard Boards exposure draft specifying how card issuers should recognize breakage for prepaid stored-value cards; Helping Expand Lending Practices in Rural Communities Act (S. 871/ H.R. 1259); Data security; EMV liability shift; Credit union tax exemption; Senate Finance Committee tax reform working groups; Eliminate Privacy Notice Confusion Act (H.R. 601); Privacy Notice Modernization Act (S. 423); Consumer Financial Protection Bureau Examination and Reporting Threshold Act (S. 482); SAFE Confidentiality and Privilege Enhancement Act (H.R. 1480); Bureau Advisory Commission Transparency Act (H.R. 1265); Patent reform; PATENT Act (S. 1137); Innovation Act (H.R. 9); Preserving Access to Manufactured Housing Act (H.R. 650); Mortgage Choice Act (H.R. 685); Changes to CFPBs points and fees definition under the Qualified Mortgage rule; Changes to the CFPBs Qualified Mortgage rule - loans held in portfolio; 40 year loan product; debt-to-income ratio); CFPBs definition of rural area; CFPB exemption authority under Section 1022 of the Dodd-Frank Act; Integration of the TILA-RESPA mortgage disclosures; FHFA proposal relative to Federal Home Loan Bank membership; Targeting Rouge and Opaque Letter Act; NCUAs risk-based capital proposals; Mortgage servicing assets; Data security; Cyber security; Liability in the event of a data breach; Data safe keeping standards; Data Security and Breach Notification Act (H.R. 1770); Data Security Act of 2015 (H.R. 2205/S.961); Lankford-Heitkamp #CutRedTape Initiative; Regulatory relief for our nations credit unions; Financial Institutions Examination Fairness and Reform Act (H.R. 1941/ S.774); Department of Defense proposal regarding the Military Lending Act; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 1188); Excluding loans made to veterans from the member business lending cap (H.R. 1133); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 989); Credit union tax exemption; Senate Finance Business Income Tax Working Group; Credit union small business lending; Small Business Administration patriot express loan program; Financial Regulatory Improvement Act (S. 1484) - (NCUA budget hearings; access to the Federal Home Loan Banks; indexing asset thresholds in the Dodd-Frank Act; exam fairness and an ombudsman at the FFIEC; capital requirement and mortgage servicing assets; relief from mailing annual privacy notices; Qualified Mortgages and loans held in portfolio; rural designation process at the CFPB; privacy and data fields in HMDA; issues related to TILA/RESPA integration; CFPB and the EGRPRA process); Reform of the government sponsored enterprises; Credit union access and pricing in the secondary mortgage market; Better and more accurate cost-benefit analysis for regulations impacting credit unions; Veterans Entrepreneurship Act (H.R. 2499); NCUA budget transparency; National Credit Union Administration Budget Transparency Act (H.R. 2287/ S.924); NCUA Budget Transparency Act (H.R. 1176); Financial Product Safety Commission Act (H.R. 1266); Financial Institution Customer Protection Act (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); Legislation related to the integrated disclosure requirements for mortgage loans (H.R. 2213); Credit Union Risk-Based Capital Study Act (H.R. 2769); Credit Union Residential Loan Parity Act (H.R. 1422); Lack of regulatory coordination at the Financial Stability Oversight Council; FY 2016 Financial Services and General Government Appropriations bill; Capital reform for credit unions; Field of membership improvements for credit unions; Reduced Consumer Financial Protection Bureau burdens on credit unions; Operational improvements for credit unions; 21st century data security standards; Expanding credit union investment authority; Federal Reserve Regulation D and eliminating transfers limits from savings accounts; Regulatory flexibility relative to credit union ability to make member business loans; Periodic statements and requirements to disclose account numbers to protect privacy of members; Advertising requirements for credit union loan products and share accounts; Improvements to the Central Liquidity Fund; Wavier process to allow credit unions flexibility relative to applicable laws; Update and improve regulations governing check processing and funds; CLEAR Act (H.R. 1233); CLEAR Relief Act (S.812); Military Lending Act; Service members Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735).

H.R. 989, supplemental capital. H.R. 1188 member business lending. H.R. 1133 veterans exemption to member business lending cap. H.R. 299 privately insured credit unions. H.R. 601 privacy notifications.H.R. 1422 residential parity. Merchant data breaches as they apply to financial institutions. National Credit Union Administration and Consumer Financial Protection Bureau regulatory issues. Credit union examinations.Risk-based capital.

Client expense: $110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR185; HR 299; HR 601; HR 685; HR 989; HR 1133; HR 1176; HR 1188; HR 1195; HR 1233; HR 1266; HR 1408; HR 1422; HR 1480; HR 1491; HR 1529; S. 423; S. 482; S. 726; S. 774; S. 924; data security and cybersecurity; patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

National Credit Union Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735);A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).

National Credit Union Administration (NCUA) proposed rule to amend Part 704 of the corporate credit unions regulation; Federal Housing Finance Agency (FHFA) proposal on federal home loan bank requirements; The Electronic Payments Association (NACHA) request for comments on Same Day ACH; NCUA and perceived risks in the credit union system; Examination for Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; CFPB temporary suspension of the submission of credit card agreements under TILA (Reg Z); Consumer Financial Protection (CFPB) rulemaking relative to the integrated Truth in Lending Act and Real Estate Settlements Procedures Act (TILA/RESPA) mortgage forms; NCUA regulation review under the Economic Growth and Regulatory Paperwork Reduction Act; CFPB request for comment on Prepaid Accounts under the Electronic Fund Transfer Act and TILA; CFPB amendments relating to small creditors and rural or underserved areas under TILA; CFPB and safe student banking; NCUA revised risk-based capital proposal; credit union tax exemption; regulatory relief for credit unions; capital reform and risk based capital; data and cyber security; housing finance reform; member business lending; patent reform; demand letters relative to patent reform; credit unions and prevention of financial exploitation of seniors; Small Business Regulatory Flexibility Improvements Act (H.R. 527); Federal Housing Administrations lock-our period for borrows; strategic default with respect to government housing loans; NAFCUs 5 Point Plan for Regulatory Relief - Capital Reforms for Credit Unions, Field of Membership Improvements for Credit Unions, Reducing CFPB Burdens on Credit Unions, Operational Improvements for Credit Unions, and 21st Century Data Security Standards; NAFCUs Top Ten regulations to amend or eliminate - Improving the process for credit unions seeking changes to their field of membership; Providing More Meaningful Exemptions for Small Institutions; Expanding credit union investment authority; Increasing the number of Reg D transfers allowed; Additional regulatory flexibility for credit unions that offer member business loans; Updating the requirement to disclose account numbers to protect the privacy of members; Updating advertising requirements for loan products and share accounts; Improvements to the Central Liquidity Facility (CLF); Granting of waivers by NCUA to a federal credit union to follow a state law; and Updating, simplifying and making improvements to regulations governing check processing and fund availability. CFPB use of exemption authority for credit unions; Small Business Administration lending programs including the 7(a) program; Credit Union Small Business Jobs Creation Act (H.R. 1188); supplemental capital for credit unions; Financial Product Safety Commission Act (H.R. 1266); Bureau of Consumer Financial Protection Act (H.R. 1261); Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 1263); applying requirements of the Federal Advisory Committee Act to CFPB (H.R. 1265); exempting loans made to veterans from the credit union member business lending cap (H.R. 1133); Privacy Notice Modernization Act of 2015 (S. 423); Eliminate Privacy Notice Confusion Act (H.R. 601); NCUA budget transparency; NCUA Budget Transparency Act (H.R. 1176); Mortgage Choice Act (H.R. 685); Capital Access for Small Businesses and Jobs Act (H.R. 989); Financial Institution Customer Protection Act of 2015 (H.R. 766); Portfolio Lending and Mortgage Access Act (H.R. 1210); CLEARR Act of 2015 (H.R. 1233); Consumer Financial Protection Bureau Examination and Reporting Threshold Act of 2015 (S.482); Mortgage Servicing Asset Capital Requirements Act (H.R. 1408); Community Institution Mortgage Relief Act (H.R. 1529); Preserving Access to Manufactured Housing Act (H.R. 650); Helping Expand Lending Practices in Rural Communities Act (H.R. 1259); SAFE Confidentiality and Privileged Enhancement Act (H.R. 1480); Bureau of Consumer Financial Protection Advisory Boards Act (H.R. 1195); Searching for and Cutting Regulations that are Unnecessary and Burdensome Act (H.R. 1155); Financial Products Safety Commission Act (H.R. 1266); HELP Rural Communities Act (S 871); NCUA wavier process for member business lending purposes; HMDA changes going beyond the Dodd-Frank Act; CFPB legal opinion letters; DoD military lending act proposed rule; encouraging regulatory coordination at the Financial Services Oversight Council; credit unions and retirement planning education; robust cost benefit analysis at the regulatory agencies; Federal Reserve Board Regulation E; CFPBs qualified mortgage definition; CFPBs remittance transfer rules; indexing arbitrary Dodd-Frank asset threshold for inflation; House Energy and Commerce Committee discussion draft, the Data Security and Breach Notification Act of 2015; FHA mortgage insurance premiums; Regulatory Accountability Act of 2015 (H.R. 185); Federal Emergency Management Agencys Standard Flood Hazard Determination Form; Fannie Mae and Freddie Mac guarantee fees; examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S.774); relief from Operation Choke point; Military Lending Act; Servicemembers Civil Relief Act; National Defense Authorization Act for Fiscal Year 2016 (H.R. 1735; A bill to provide regulatory relief for certain financial institutions, and for other purposes (S.927).

Issues affecting the credit union industry; HR 989 supplemental capital; HR 1188 member business lending; HR 601 privacy notices; hr 1133 veterans and business lending.

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

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

H.R. 989, supplemental capital. H.R. 1188 member business lending. H.R. 1133 veterans exemption to member business lending cap. H.R. 299 privately insured credit unions. H.R. 601 privacy notifications.H.R. 1422 residential parity. Merchant data breaches as they apply to financial institutions. National Credit Union Administration and Consumer Financial Protection Bureau regulatory issues. Credit union examinations.

Client expense: $110,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE