SAFE Act Confidentiality and Privilege Enhancement Act

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Examination Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to Ginnie Mae capital Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System. Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to indirect auto lending Issues related to fixed assets Issues related to merchant data breaches Issues related to the payments system Issues related to FHFA proposed rules and FHLB eligibility for credit unions Issues related to Federal Reserve Regulatory D Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to Housing Finance Reform Issues related to the implementation of the remittances provisions in the Dodd-Frank Act Issues related to NCUAs proposal rule on Member Business Lending Issues related to NCUAs proposed rule on Interest on Lawyer Trust Accounts (IOLTA) Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the Feds implementation of same-day ACH Issues related to the regulation of corporate credit unions Issues related to the CFPBs proposed regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the payday, vehicle title, and similar lending Issues related to the CFPBs consumer complaint database Issues related to NCUAs Fixed Assets rule Issues related to NCUAs definition of small entity Issues related to NCUA's Proposed Rule on Member Business Lending Issues related to the Department of Labor's Proposed Rule on the Definition of Fiduciary Issues related to the Telephone Consumer Protection Act Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the Department of Labor's Proposed Overtime Eligibility rule Issues related to credit union conversions Issues related to the CFPB's proposal on arbitration Issues related to secure payments Issues related to credit union call report modernization H.R. 9, the Innovation Act, all provisions H.R. 22, the FAST Act, Title LXXV, provisions related to privacy notice requirements; Title LXXXII, provisions related to the eligibility of privately insured credit unions to join a Federal Home Loan Bank; Title LXXXIX, provisions related to the designation of rural areas by the Consumer Financial Protection Bureau H.R. 185, Regulatory Accountability Act of 2015 H.R. 299, the Capital Access for Small Community Financial Institutions Act of 2015, all provisions H.R. 527, the Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 601, the Eliminate Privacy Notice Confusion Act, all provisions H.R. 650, Preserving Access to Manufactured Housing Act, all provision H.R. 685, the Mortgage Choice Act, all provisions H.R. 766, Financial Institution Consumer Protection Act, all provisions H.R. 957, the Bureau of Consumer Financial Protection Inspector General Reform Act, all provisions H.R. 989, the Capital Access for Small Businesses Jobs Creation Act, all provisions H.R. 1090, Retail Investor Protection Act, all provisions H.R. 1176, the NCUA Budget Transparency Act, all provisions H.R. 1188, the Credit Union Small Business Jobs Creation Act, all provisions H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act, all provisions H.R. 1210, the Portfolio Lending and Mortgage Access Act, H.R. 1233, the Community Lending Enhancement and Regulatory Relief Act of 2015 H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act, all provisions H.R. 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1265, the Bureau Advisory Commission Transparency Act, all provision H.R. 1266, the Financial Products Safety Commission Act of 2015 H.R. 1408, requiring a study of the capital requirements for mortgage servicing assets H.R. 1422, the Credit Union Residential Loan Parity Act H.R. 1480, the SAFE Confidentiality and Privilege Enhancement Act H.R. 1523, Community Bank Access to Capital Act of 2015 H.R. 1529, the Community Institution Mortgage Relief Act Discussion Draft, Data Security and Breach Notification Act of 2015 H.R. 1660, the Federal Savings Association Charter Flexibility Act, all provisions H.R. 1941, the Financial Institution Examination Fairness and Reform Act H.R. 2205, the Data Security Act H.R. 2213, to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2287, the National Credit Union Administration Budget Transparency Act H.R. 2473, the Preserving Capital Access and Mortgage Liquidity Act H.R. 2769, the Risk-Based Capital Study Act, all provisions H.R. 2896, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act H.R. 3192, the Homebuyer Assistance Act, all provisions H.R. 4538, the Senior $afe Act, all provisions H.R. 4893, the Risk Management and Homeowner Stability Act, all provisions H.R. 4997, the Home Mortgage Disclosure Adjustment Act, all provisions H.R. 5465, a bill to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, all provisions H.R. 5983, the Financial CHOICE Act, all provisions S. 423, the Privacy Notice Modernization Act, all provisions S. 482, the Consumer Financial Protection Bureau Examination Reporting Threshold Act of 2015, all provisions S. 774 Financial Institutions Examination Fairness and Reform Act, all provisions S. 871, the Helping Expand Lending Practices in (HELP) Rural Communities Act S. 924, the National Credit Union Administration Budget Transparency Act S. 961, the Data Security Act S. 1367, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions S. 1440, the Credit Union Residential Loan Parity Act S. 1484, the Financial Regulatory Improvement Act, Title I S. 2216, the Senior$afe Act, all provisions The Heck-Stivers Amendment to H.R. 1735, the National Defense Authorization Act, related to the Department of Defenses MLA Database Discussion draft of the Financial Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs (CHOICE) Act, all provisions

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

Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of

H.R. 1480, the SAFE Act Confidentiality and Privilege Enhancement Act (protects the confidentiality of information shared with state regulators). S. 961, the Data Security Act of 2015 (ensures all entities that handle consumers sensitive financial data have in place a robust process to protect data. Tailored Regulation Patient Choice, Affordability, Responsibility, and Empowerment (CARE) Act H.R. 868/S. 448, Veterans TRICARE Choice Act H.R. 975, Health Freedom for Seniors Act H.R. 1270/S. 709, Restoring Access to Medication Act of 2015 H.R. 1196, Health Savings Act of 2015 H.R. 1547/S. 836, Family Health Care Flexibility Act H.R. 2205, the Data Security Act of 2015 H.R. 5445, The Health Care Security Act of 2016 H.R. 5452, The Native American Health Savings Improvement Act H.R. 5458, The Veterans TRICARE Choice Act Fair Lending Laws Small Dollar Lending Military Lending Act

Client expense: $1,980,000 · Firm income: Not reported

EGRPRA Regulatory Review - Identify provisions that my provide regulatory relief. HR 1660 - Federal Savings Association Charter Flexibility Act of 2015 - HOLA amendments providing flexibility to operate as a national bank. CFPB revision package - Provisions subjecting the agency to additional oversight. HR 9 - The Innovation Act - Provisions addressing vague demand letter of patent trolls. HR 601 - Provisions eliminating privacy notice disclosure requirements. HR 1265 - Bureau Advisory Commission Transparency Act - Advisory counsel for the CFPB HR 1480 SAFE Act - confidentiality of information banks share with state regulators. HR 1660-Federal Savings Association Charter Flexibility Act - charter flexibility HR 1233 - CLEARR Act - Regulatory reduction provisions S 1484-Financial Regulation Improvement Act - Regulatory reduction provisions. S 2896 - TAILOR Act- Regulatory reduction provisions H1941/S774 - Financial Institutions Examination Fairness & Reform Act - timely & consistent examination report provisions. HR 5465 - Durbin Amendment repeal bill - repeal provisions. HR 2213 - Provisions for a formal grace period from enforcement under TILA-RESPA. HR 601 - Eliminate Privacy Notice Confusion Act - privacy notice exemptions. HR 1478/S798 - Policyholder Protection Act - Source of strength provisions.

Client expense: $288,000 · Firm income: Not reported

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Examination Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to Ginnie Mae capital Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System. Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to indirect auto lending Issues related to fixed assets Issues related to merchant data breaches Issues related to the payments system Issues related to FHFA proposed rules and FHLB eligibility for credit unions Issues related to Federal Reserve Regulatory D Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to Housing Finance Reform Issues related to the implementation of the remittances provisions in the Dodd-Frank Act Issues related to NCUAs proposal rule on Member Business Lending Issues related to NCUAs proposed rule on Interest on Lawyer Trust Accounts (IOLTA) Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the Feds implementation of same-day ACH Issues related to the regulation of corporate credit unions Issues related to the CFPBs proposed regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the payday, vehicle title, and similar lending Issues related to the CFPBs consumer complaint database Issues related to NCUAs Fixed Assets rule Issues related to NCUAs definition of small entity Issues related to NCUA's Proposed Rule on Member Business Lending Issues related to the Department of Labor's Proposed Rule on the Definition of Fiduciary Issues related to the Telephone Consumer Protection Act Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the Department of Labor's Proposed Overtime Eligibility rule Issues related to credit union conversions Issues related to the CFPB's proposal on arbitration Issues related to secure payments Issues related to credit union call report modernization H.R. 9, the Innovation Act, all provisions H.R. 22, the FAST Act, Title LXXV, provisions related to privacy notice requirements; Title LXXXII, provisions related to the eligibility of privately insured credit unions to join a Federal Home Loan Bank; Title LXXXIX, provisions related to the designation of rural areas by the Consumer Financial Protection Bureau H.R. 185, Regulatory Accountability Act of 2015 H.R. 299, the Capital Access for Small Community Financial Institutions Act of 2015, all provisions H.R. 527, the Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 601, the Eliminate Privacy Notice Confusion Act, all provisions H.R. 650, Preserving Access to Manufactured Housing Act, all provision H.R. 685, the Mortgage Choice Act, all provisions H.R. 766, Financial Institution Consumer Protection Act, all provisions H.R. 957, the Bureau of Consumer Financial Protection Inspector General Reform Act, all provisions H.R. 989, the Capital Access for Small Businesses Jobs Creation Act, all provisions H.R. 1090, Retail Investor Protection Act, all provisions H.R. 1176, the NCUA Budget Transparency Act, all provisions H.R. 1188, the Credit Union Small Business Jobs Creation Act, all provisions H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act, all provisions H.R. 1210, the Portfolio Lending and Mortgage Access Act, H.R. 1233, the Community Lending Enhancement and Regulatory Relief Act of 2015 H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act, all provisions H.R. 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1265, the Bureau Advisory Commission Transparency Act, all provision H.R. 1266, the Financial Products Safety Commission Act of 2015 H.R. 1408, requiring a study of the capital requirements for mortgage servicing assets H.R. 1422, the Credit Union Residential Loan Parity Act H.R. 1480, the SAFE Confidentiality and Privilege Enhancement Act H.R. 1523, Community Bank Access to Capital Act of 2015 H.R. 1529, the Community Institution Mortgage Relief Act Discussion Draft, Data Security and Breach Notification Act of 2015 H.R. 1660, the Federal Savings Association Charter Flexibility Act, all provisions H.R. 1941, the Financial Institution Examination Fairness and Reform Act H.R. 2205, the Data Security Act H.R. 2213, to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2287, the National Credit Union Administration Budget Transparency Act H.R. 2473, the Preserving Capital Access and Mortgage Liquidity Act H.R. 2769, the Risk-Based Capital Study Act, all provisions H.R. 2896, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act H.R. 3192, the Homebuyer Assistance Act, all provisions H.R. 4638, the Senior $afe Act, all provisions H.R. 4893, the Risk Management and Homeowner Stability Act, all provisions H.R. 4997, the Home Mortgage Disclosure Adjustment Act, all provisions H.R. 5465, a bill to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, all provisions H.R. 5983, the Financial CHOICE Act, all provisions S. 423, the Privacy Notice Modernization Act, all provisions S. 482, the Consumer Financial Protection Bureau Examination Reporting Threshold Act of 2015, all provisions S. 774 Financial Institutions Examination Fairness and Reform Act, all provisions S. 871, the Helping Expand Lending Practices in (HELP) Rural Communities Act S. 924, the National Credit Union Administration Budget Transparency Act S. 961, the Data Security Act S. 1367, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions S. 1440, the Credit Union Residential Loan Parity Act S. 1484, the Financial Regulatory Improvement Act, Title I S. 2216, the Senior$afe Act, all provisions The Heck-Stivers Amendment to H.R. 1735, the National Defense Authorization Act, related to the Department of Defenses MLA Database Discussion draft of the Financial Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs (CHOICE) Act, all provisions

Federal Regulatory Activity OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/ National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule, GSE repurchases; Section 619, Dodd-Frank Wall Street Reform and Consumer Protection Act. Final Rule, Volcker Rule, IRS Regulation 67(e), FDIC brokered Deposits rule; Department of Labor Fiduciary Rule Federal Legislative Activity Cybersecurity legislation: (H.R. 1731, S.1927, S.961); Regulatory Relief bills (H.R. 601, H.R. 1259, H.R.1480, H.R.1265, H.R. 685, S.774, S.1484, H.R.1553), Community Banks legislation (H.R. 1389, H.R. 1233), Portfolio Lending relief (H.R.1210); credit union tax treatment (H.R. 1188), Mutual Bank legislation (H.R.4252); Mutual Charter Relief (H.R. 1660, H.R. 1661), Patent Troll relief (S.1137), the TAILOR Act (H.R.2896), Highway Trust Fund/ Federal Reserve Dividend; Retail Investor Protection Act (H.R. 1090); TILA RESPA Safe Harbor (H.R.3192); Interchange Fees (H.R.5465); Data Security Act (H.R. 2205)

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

H.R. 1480, the SAFE Act Confidentiality and Privilege Enhancement Act (protects the confidentiality of information shared with state regulators). S. 961, the Data Security Act of 2015 (ensures all entities that handle consumers sensitive financial data have in place a robust process to protect data. Tailored Regulation Patient Choice, Affordability, Responsibility, and Empowerment (CARE) Act H.R. 868/S. 448, Veterans TRICARE Choice Act H.R. 975, Health Freedom for Seniors Act H.R. 1270/S. 709, Restoring Access to Medication Act of 2015 H.R. 1196, Health Savings Act of 2015 H.R. 1547/S. 836, Family Health Care Flexibility Act H.R. 2205, the Data Security Act of 2015 H.R. 5445, The Health Care Security Act of 2016 H.R. 5452, The Native American Health Savings Improvement Act H.R. 5458, The Veterans TRICARE Choice Act Fair Lending Laws Small Dollar Lending Military Lending Act

Client expense: $2,300,000 · Firm income: Not reported

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Examination Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to Ginnie Mae capital Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System. Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to indirect auto lending Issues related to fixed assets Issues related to merchant data breaches Issues related to the payments system Issues related to FHFA proposed rules and FHLB eligibility for credit unions Issues related to Federal Reserve Regulatory D Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to Housing Finance Reform Issues related to the implementation of the remittances provisions in the Dodd-Frank Act Issues related to NCUAs proposal rule on Member Business Lending Issues related to NCUAs proposed rule on Interest on Lawyer Trust Accounts (IOLTA) Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the Feds implementation of same-day ACH Issues related to the regulation of corporate credit unions Issues related to the CFPBs proposed regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the payday, vehicle title, and similar lending Issues related to the CFPBs consumer complaint database Issues related to NCUAs Fixed Assets rule Issues related to NCUAs definition of small entity Issues related to NCUA's Proposed Rule on Member Business Lending Issues related to the Department of Labor's Proposed Rule on the Definition of Fiduciary Issues related to the Telephone Consumer Protection Act Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the Department of Labor's Proposed Overtime Eligibility rule Issues related to credit union conversions Issues related to the CFPB's proposal on arbitration Issues related to secure payments Issues related to credit union call report modernization H.R. 9, the Innovation Act, all provisions H.R. 22, the FAST Act, Title LXXV, provisions related to privacy notice requirements; Title LXXXII, provisions related to the eligibility of privately insured credit unions to join a Federal Home Loan Bank; Title LXXXIX, provisions related to the designation of rural areas by the Consumer Financial Protection Bureau H.R. 185, Regulatory Accountability Act of 2015 H.R. 299, the Capital Access for Small Community Financial Institutions Act of 2015, all provisions H.R. 527, the Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 601, the Eliminate Privacy Notice Confusion Act, all provisions H.R. 650, Preserving Access to Manufactured Housing Act, all provision H.R. 685, the Mortgage Choice Act, all provisions H.R. 766, Financial Institution Consumer Protection Act, all provisions H.R. 957, the Bureau of Consumer Financial Protection Inspector General Reform Act, all provisions H.R. 989, the Capital Access for Small Businesses Jobs Creation Act, all provisions H.R. 1090, Retail Investor Protection Act, all provisions H.R. 1176, the NCUA Budget Transparency Act, all provisions H.R. 1188, the Credit Union Small Business Jobs Creation Act, all provisions H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act, all provisions H.R. 1210, the Portfolio Lending and Mortgage Access Act, H.R. 1233, the Community Lending Enhancement and Regulatory Relief Act of 2015 H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act, all provisions H.R. 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1265, the Bureau Advisory Commission Transparency Act, all provision H.R. 1266, the Financial Products Safety Commission Act of 2015 H.R. 1408, requiring a study of the capital requirements for mortgage servicing assets H.R. 1422, the Credit Union Residential Loan Parity Act H.R. 1480, the SAFE Confidentiality and Privilege Enhancement Act H.R. 1523, Community Bank Access to Capital Act of 2015 H.R. 1529, the Community Institution Mortgage Relief Act Discussion Draft, Data Security and Breach Notification Act of 2015 H.R. 1660, the Federal Savings Association Charter Flexibility Act, all provisions H.R. 1941, the Financial Institution Examination Fairness and Reform Act H.R. 2205, the Data Security Act H.R. 2213, to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2287, the National Credit Union Administration Budget Transparency Act H.R. 2473, the Preserving Capital Access and Mortgage Liquidity Act H.R. 2769, the Risk-Based Capital Study Act, all provisions H.R. 2896, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act H.R. 3192, the Homebuyer Assistance Act, all provisions H.R. 4893, the Risk Management and Homeowner Stability Act, all provisions H.R. 5465, a bill to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, all provisions S. 423, the Privacy Notice Modernization Act, all provisions S. 482, the Consumer Financial Protection Bureau Examination Reporting Threshold Act of 2015, all provisions S. 774 Financial Institutions Examination Fairness and Reform Act, all provisions S. 871, the Helping Expand Lending Practices in (HELP) Rural Communities Act S. 924, the National Credit Union Administration Budget Transparency Act S. 961, the Data Security Act S. 1367, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions S. 1440, the Credit Union Residential Loan Parity Act S. 1484, the Financial Regulatory Improvement Act, Title I S. 2216, the Senior$afe Act, all provisions The Heck-Stivers Amendment to H.R. 1735, the National Defense Authorization Act, related to the Department of Defenses MLA Database Discussion draft of the Financial Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs (CHOICE) Act, all provisions

EGRPRA Regulatory Review - Identify provisions that my provide regulatory relief. HR 1660 - Federal Savings Association Charter Flexibility Act of 2015 - HOLA amendments providing flexibility to operate as a national bank. CFPB revision package - Provisions subjecting the agency to additional oversight. HR 9 - The Innovation Act - Provisions addressing vague demand letter of patent trolls. HR 601 - Provisions eliminating privacy notice disclosure requirements. HR 1265 - Bureau Advisory Commission Transparency Act - Advisory counsel for the CFPB HR 1480 SAFE Act - confidentiality of information banks share with state regulators. HR 1660-Federal Savings Association Charter Flexibility Act - charter flexibility HR 1233 - CLEARR Act - Regulatory reduction provisions S 1484-Financial Regulation Improvement Act - Regulatory reduction provisions. S 2896 - TAILOR Act- Regulatory reduction provisions H1941/S774 - Financial Institutions Examination Fairness & Reform Act - timely & consistent examination report provisions. HR 5465 - Durbin Amendment repeal bill - repeal provisions. HR 2213 - Provisions for a formal grace period from enforcement under TILA-RESPA. HR 601 - Eliminate Privacy Notice Confusion Act - privacy notice exemptions. HR 1478/S798 - Policyholder Protection Act - Source of strength provisions.

Client expense: $125,000 · Firm income: Not reported

Federal Regulatory Activity OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/ National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule, GSE repurchases; Section 619, Dodd-Frank Wall Street Reform and Consumer Protection Act. Final Rule, Volcker Rule, IRS Regulation 67(e), FDIC brokered Deposits rule; Department of Labor Fiduciary Rule Federal Legislative Activity Cybersecurity legislation: (H.R. 1731, S.1927, S.961); Regulatory Relief bills (H.R. 601, H.R. 1259, H.R.1480, H.R.1265, H.R. 685, S.774, S.1484, H.R.1553), Community Banks legislation (H.R. 1389, H.R. 1233), Portfolio Lending relief (H.R.1210); credit union tax treatment (H.R. 1188), Mutual Bank legislation (H.R.4252); Mutual Charter Relief (H.R. 1660, H.R. 1661), Patent Troll relief (S.1137), the TAILOR Act (H.R.2896), Highway Trust Fund/ Federal Reserve Dividend; Retail Investor Protection Act (H.R. 1090); TILA RESPA Safe Harbor (H.R.3192); Interchange Fees (H.R.5465); Data Security Act (H.R. 2205)

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

H.R. 1480, the SAFE Act Confidentiality and Privilege Enhancement Act (protects the confidentiality of information shared with state regulators). S. 961, the Data Security Act of 2015 (ensures all entities that handle consumers sensitive financial data have in place a robust process to protect data). Tailored Regulation Patient Choice, Affordability, Responsibility, and Empowerment (CARE) Act H.R. 868/S. 448, Veterans TRICARE Choice Act H.R. 975, Health Freedom for Seniors Act H.R. 1270/S. 709, Restoring Access to Medication Act of 2015 H.R. 1196, Health Savings Act of 2015 H.R. 1547/S. 836, Family Health Care Flexibility Act H.R. 2205, the Data Security Act of 2015 Fair Lending Laws Small Dollar Lending Military Lending Act

Client expense: $2,150,000 · Firm income: Not reported

Federal Regulatory Activity OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/ National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule, GSE repurchases; Section 619, Dodd-Frank Wall Street Reform and Consumer Protection Act. Final Rule, Volcker Rule, IRS Regulation 67(e), FDIC brokered Deposits rule; Department of Labor Fiduciary Rule Federal Legislative Activity Cybersecurity legislation: (H.R. 1731, S.1927, S.961); Regulatory Relief bills (H.R. 601, H.R. 1259, H.R.1480, H.R.1265, H.R. 685, S.774, S.1484, H.R.1553), Community Banks legislation (H.R. 1389, H.R. 1233), Portfolio Lending relief (H.R.1210); credit union tax treatment (H.R. 1188), Mutual Bank legislation (H.R.4252); Mutual Charter Relief (H.R. 1660, H.R. 1661), Patent Troll relief (S.1137), the TAILOR Act (H.R.2896), Highway Trust Fund/ Federal Reserve Dividend; Retail Investor Protection Act (H.R. 1090); TILA RESPA Safe Harbor (H.R.3192)

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

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Examination Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to Ginnie Mae capital Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System. Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to indirect auto lending Issues related to fixed assets Issues related to merchant data breaches Issues related to the payments system Issues related to FHFA proposed rules and FHLB eligibility for credit unions Issues related to Federal Reserve Regulatory D Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to Housing Finance Reform Issues related to the implementation of the remittances provisions in the Dodd-Frank Act Issues related to NCUAs proposal rule on Member Business Lending Issues related to NCUAs proposed rule on Interest on Lawyer Trust Accounts (IOLTA) Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the Feds implementation of same-day ACH Issues related to the regulation of corporate credit unions Issues related to the CFPBs proposed regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the payday, vehicle title, and similar lending Issues related to the CFPBs consumer complaint database Issues related to NCUAs Fixed Assets rule Issues related to NCUAs definition of small entity Issues related to NCUA's Proposed Rule on Member Business Lending Issues related to the Department of Labor's Proposed Rule on the Definition of Fiduciary Issues related to the Telephone Consumer Protection Act Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the Department of Labor's Proposed Overtime Eligibility rule Issues related to credit union conversions Issues related to the CFPB's proposal on arbitration Issues related to secure payments H.R. 9, the Innovation Act, all provisions H.R. 22, the FAST Act, Title LXXV, provisions related to privacy notice requirements; Title LXXXII, provisions related to the eligibility of privately insured credit unions to join a Federal Home Loan Bank; Title LXXXIX, provisions related to the designation of rural areas by the Consumer Financial Protection Bureau H.R. 185, Regulatory Accountability Act of 2015 H.R. 299, the Capital Access for Small Community Financial Institutions Act of 2015, all provisions H.R. 527, the Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 601, the Eliminate Privacy Notice Confusion Act, all provisions H.R. 650, Preserving Access to Manufactured Housing Act, all provision H.R. 685, the Mortgage Choice Act, all provisions H.R. 766, Financial Institution Consumer Protection Act, all provisions H.R. 957, the Bureau of Consumer Financial Protection Inspector General Reform Act, all provisions H.R. 989, the Capital Access for Small Businesses Jobs Creation Act, all provisions H.R. 1090, Retail Investor Protection Act, all provisions H.R. 1176, the NCUA Budget Transparency Act, all provisions H.R. 1188, the Credit Union Small Business Jobs Creation Act, all provisions H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act, all provisions H.R. 1210, the Portfolio Lending and Mortgage Access Act, H.R. 1233, the Community Lending Enhancement and Regulatory Relief Act of 2015 H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act, all provisions H.R. 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1265, the Bureau Advisory Commission Transparency Act, all provision H.R. 1266, the Financial Products Safety Commission Act of 2015 H.R. 1408, requiring a study of the capital requirements for mortgage servicing assets H.R. 1422, the Credit Union Residential Loan Parity Act H.R. 1480, the SAFE Confidentiality and Privilege Enhancement Act H.R. 1523, Community Bank Access to Capital Act of 2015 H.R. 1529, the Community Institution Mortgage Relief Act Discussion Draft, Data Security and Breach Notification Act of 2015 H.R. 1660, the Federal Savings Association Charter Flexibility Act, all provisions H.R. 1941, the Financial Institution Examination Fairness and Reform Act H.R. 2205, the Data Security Act H.R. 2213, to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2287, the National Credit Union Administration Budget Transparency Act H.R. 2473, the Preserving Capital Access and Mortgage Liquidity Act H.R. 2769, the Risk-Based Capital Study Act, all provisions H.R. 2896, the TAILOR Act H.R. 3192, the Homebuyer Assistance Act, all provisions H.R. 4893, the Risk Management and Homeowner Stability Act, all provisions S. 423, the Privacy Notice Modernization Act, all provisions S. 482, the Consumer Financial Protection Bureau Examination Reporting Threshold Act of 2015, all provisions S. 774 Financial Institutions Examination Fairness and Reform Act, all provisions S. 871, the Helping Expand Lending Practices in (HELP) Rural Communities Act S. 924, the National Credit Union Administration Budget Transparency Act S. 961, the Data Security Act S. 1367, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions S. 1440, the Credit Union Residential Loan Parity Act S. 1484, the Financial Regulatory Improvement Act, Title I S. 2216, the Senior$afe Act, all provisions The Heck-Stivers Amendment to H.R. 1735, the National Defense Authorization Act, related to the Department of Defenses MLA Database

EGRPRA Regulatory Review - Identify provisions that my provide regulatory relief. HR 1660 - Federal Savings Association Charter Flexibility Act of 2015 - HOLA amendments providing flexibility to operate as a national bank. CFPB revision package - Provisions subjecting the agency to additional oversight. HR 9 - The Innovation Act - Provisions addressing vague demand letter of patent trolls. HR 601 - Provisions eliminating privacy notice disclosure requirements. HR 1265 - Bureau Advisory Commission Transparency Act - Advisory counsel for the CFPB HR 1480 SAFE Act - confidentiality of information banks share with state regulators. HR 1660-Federal Savings Association Charter Flexibility Act - charter flexibility HR 1233 - CLEARR Act - Regulatory reduction provisions S 1484-Financial Regulation Improvement Act - Regulatory reduction provisions. S 2896 - TAILOR Act- Regulatory reduction provisions H1941/S774 - Financial Institutions Examination Fairness & Reform Act - timely & consistent examination report provisions. HR 2213 - Provisions for a formal grace period from enforcement under TILA-RESPA. HR 601 - Eliminate Privacy Notice Confusion Act - privacy notice exemptions. HR 1478/S798 - Policyholder Protection Act - Source of strength provisions.

Client expense: $217,000 · Firm income: Not reported

Federal Reserve, discussion, Yellen hearing; raise of interest rates Federal Reserve Discussion: Wage growth, monetary policy International Tax Reform; Senators Schumer, Menendez, and Brown H.R. 414: Burdensome Data Collection Relief Act; opposed H.R. 1529: Community Institution Mortgage Relief Act of 2015 H.R. 2354: Streamlining excessive and costly regulations review act H.R. 3065: Financial services conflict of interest act H.R. 1266: Financial product safety commission act S. 1686: Carried Interest fairness Act of 2015 H.R. 1480: SAFE Act

Client expense: $830,000 · Firm income: Not reported

Government targets: Bureau of Labor Statistics (BLS), Defense, Dept of (DOD), Election Assistance Commission (EAC), Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Occupational Safety & Health Administration (OSHA), Office of Personnel Management (OPM), Office of the Vice President of the United States, President of the U.S., SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR), Vice President of the U.S., White House Office

Federal Reserve, discussion, Yellen hearing; raise of interest rates Federal Reserve Discussion: Wage growth, monetary policy International Tax Reform; Senators Schumer, Menendez, and Brown H.R. 414: Burdensome Data Collection Relief Act; opposed H.R. 1529: Community Institution Mortgage Relief Act of 2015 H.R. 2354: Streamlining excessive and costly regulations review act H.R. 3065: Financial services conflict of interest act H.R. 1266: Financial product safety commission act S. 1686: Carried Interest fairness Act of 2015 H.R. 1480: SAFE Act

Client expense: $830,000 · Firm income: Not reported

Government targets: Bureau of Labor Statistics (BLS), Defense, Dept of (DOD), Election Assistance Commission (EAC), Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Occupational Safety & Health Administration (OSHA), Office of Personnel Management (OPM), Office of the Vice President of the United States, President of the U.S., SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR), Vice President of the U.S., White House Office

H.R. 1480, the SAFE Act Confidentiality and Privilege Enhancement Act (protects the confidentiality of information shared with state regulators). S. 961, the Data Security Act of 2015 (ensures all entities that handle consumers sensitive financial data have in place a robust process to protect data. Tailored Regulation Patient Choice, Affordability, Responsibility, and Empowerment (CARE) Act H.R. 868/S. 448, Veterans TRICARE Choice Act H.R. 975, Health Freedom for Seniors Act H.R. 1270/S. 709, Restoring Access to Medication Act of 2015 H.R. 1196, Health Savings Act of 2015 H.R. 1547/S. 836, Family Health Care Flexibility Act H.R. 2205, the Data Security Act of 2015 Fair Lending Laws Small Dollar Lending Military Lending Act

Client expense: $3,280,000 · 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; 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 related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Examination Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to Ginnie Mae capital Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System. Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to indirect auto lending Issues related to fixed assets Issues related to merchant data breaches Issues related to the payments system Issues related to FHFA proposed rules and FHLB eligibility for credit unions Issues related to Federal Reserve Regulatory D Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to Housing Finance Reform Issues related to the implementation of the remittances provisions in the Dodd-Frank Act Issues related to NCUAs proposal rule on Member Business Lending Issues related to NCUAs proposed rule on Interest on Lawyer Trust Accounts (IOLTA) Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the Feds implementation of same-day ACH Issues related to the regulation of corporate credit unions Issues related to the CFPBs proposed regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the payday, vehicle title, and similar lending Issues related to the CFPBs consumer complaint database Issues related to NCUAs Fixed Assets rule Issues related to NCUAs definition of small entity Issues related to NCUA's Proposed Rule on Member Business Lending Issues related to the Department of Labor's Proposed Rule on the Definition of Fiduciary Issues related to the Telephone Consumer Protection Act Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the Department of Labor's Proposed Overtime Eligibility rule H.R. 9, the Innovation Act, all provisions H.R. 22, the FAST Act, Title LXXV, provisions related to privacy notice requirements; Title LXXXII, provisions related to the eligibility of privately insured credit unions to join a Federal Home Loan Bank; Title LXXXIX, provisions related to the designation of rural areas by the Consumer Financial Protection Bureau H.R. 185, Regulatory Accountability Act of 2015 H.R. 299, the Capital Access for Small Community Financial Institutions Act of 2015, all provisions H.R. 527, the Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 601, the Eliminate Privacy Notice Confusion Act, all provisions H.R. 650, Preserving Access to Manufactured Housing Act, all provision H.R. 685, the Mortgage Choice Act, all provisions H.R. 766, Financial Institution Consumer Protection Act, all provisions H.R. 957, the Bureau of Consumer Financial Protection Inspector General Reform Act, all provisions H.R. 989, the Capital Access for Small Businesses Jobs Creation Act, all provisions H.R. 1090, Retail Investor Protection Act, all provisions H.R. 1176, the NCUA Budget Transparency Act, all provisions H.R. 1188, the Credit Union Small Business Jobs Creation Act, all provisions H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act, all provisions H.R. 1210, the Portfolio Lending and Mortgage Access Act, H.R. 1233, the Community Lending Enhancement and Regulatory Relief Act of 2015 H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act, all provisions H.R. 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1265, the Bureau Advisory Commission Transparency Act, all provision H.R. 1266, the Financial Products Safety Commission Act of 2015 H.R. 1408, requiring a study of the capital requirements for mortgage servicing assets H.R. 1422, the Credit Union Residential Loan Parity Act H.R. 1480, the SAFE Confidentiality and Privilege Enhancement Act H.R. 1523, Community Bank Access to Capital Act of 2015 H.R. 1529, the Community Institution Mortgage Relief Act Discussion Draft, Data Security and Breach Notification Act of 2015 H.R. 1660, the Federal Savings Association Charter Flexibility Act, all provisions H.R. 1941, the Financial Institution Examination Fairness and Reform Act H.R. 2205, the Data Security Act H.R. 2213, to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2287, the National Credit Union Administration Budget Transparency Act H.R. 2473, the Preserving Capital Access and Mortgage Liquidity Act H.R. 2769, the Risk-Based Capital Study Act, all provisions H.R. 2896, the TAILOR Act H.R. 3192, the Homebuyer Assistance Act, all provisions S. 423, the Privacy Notice Modernization Act, all provisions S. 482, the Consumer Financial Protection Bureau Examination Reporting Threshold Act of 2015, all provisions S. 774 Financial Institutions Examination Fairness and Reform Act, all provisions S. 871, the Helping Expand Lending Practices in (HELP) Rural Communities Act S. 924, the National Credit Union Administration Budget Transparency Act S. 961, the Data Security Act S. 1367, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions S. 1440, the Credit Union Residential Loan Parity Act S. 1484, the Financial Regulatory Improvement Act, Title I The Heck-Stivers Amendment to H.R. 1735, the National Defense Authorization Act, related to the Department of Defenses MLA Database

EGRPRA Regulatory Review - identify provision that may provide regulatory relief HR 1660 - Federal Savings Association Charter Flexibility Act of 2015 - HOLA amendments providing flexibility to operate as a national bank. CFPB revision package - Provision subjecting the agency to additional oversight. HR 9 - The Innovation Act - Provisions addressing vague demand letters of patent trolls. HR 601 - A bill to eliminate privacy notice disclosure requirements. HR 1265 - Bureau Advisory Commission Transparency Act - Advisory Counsel for the CFPB. HR 1480 - SAFE ACT - provisions to protect the confidentiality of information banks share with state regulators. HR 1478/S798 - Policyholder Protection Act - Source of Strength provisions. HR 1660 - Federal Savings Association Charter Flexibility Act - provisions related to charter flexibility. HR 2213 - Provisions for a formal grace period from enforcement under TILA-RESPA. HR 601 - Eliminate Privacy Notice Confusion Act - Privacy notice exemptions.

Client expense: $129,770 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Federal Regulatory Activity OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/ National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule, GSE repurchases; Section 619, Dodd-Frank Wall Street Reform and Consumer Protection Act. Final Rule, Volcker Rule, IRS Regulation 67(e), FDIC brokered Deposits rule; Department of Labor Fiduciary Rule Federal Legislative Activity Cybersecurity legislation: (H.R. 1731, S.1927, S.961); Regulatory Relief bills (H.R. 601, H.R. 1259, H.R.1480, H.R.1265, H.R. 685, S.774, S.1484, H.R.1553), Community Banks legislation (H.R. 1389, H.R. 1233), Portfolio Lending relief (H.R.1210); credit union tax treatment (H.R. 1188), Mutual Bank legislation (H.R.4252); Mutual Charter Relief (H.R. 1660, H.R. 1661), Patent Troll relief (S.1137), the TAILOR Act (H.R.2896), Highway Trust Fund/ Federal Reserve Dividend; Retail Investor Protection Act (H.R. 1090); TILA RESPA Safe Harbor (H.R.3192)

Client expense: $35,000 · 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

H.R. 1480, the SAFE Act Confidentiality and Privilege Enhancement Act (protects the confidentiality of information shared with state regulators). S. 961, the Data Security Act of 2015 (ensures all entities that handle consumers sensitive financial data have in place a robust process to protect data. Tailored Regulation Patient Choice, Affordability, Responsibility, and Empowerment (CARE) Act H.R. 868/S. 448, Veterans TRICARE Choice Act H.R. 975, Health Freedom for Seniors Act H.R. 1270/S. 709, Restoring Access to Medication Act of 2015 H.R. 1196, Health Savings Act of 2015 H.R. 1547/S. 836, Family Health Care Flexibility Act H.R. 2205, the Data Security Act of 2015 Fair Lending Laws Small Dollar Lending Military Lending Act

Client expense: $4,260,000 · Firm income: Not reported

H.R. 480 Housing America's Workforce Act of 2015 H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 685 Mortgage Choice Act 2015 H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1354 Permanently Protecting Tenants at Foreclosure Act of 2015 H.R. 1408 Mortgage Servicing Asset Capital Requirements Act of 2015 H.R. 1480 SAFE Act Confidentiality and Privilege Enhancement Act H.R. 1491 Partnership to Strengthen Homeownership Act of 2015 H.R. 2577 Fiscal year 2016 Transportation, Housing and Urban Development funding bill HR 1210Portfolio Lending and Mortgage Access Act HR 2631Regulatory Predictability for Business Growth Act of 2015 HR 3192Homebuyers Assistance Act HR 957CFPB-IG Act of 2015 HR 2243Equity in Government Compensation Act of 2015 HR 2214A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes HR 1263Consumer Financial Protection Safety and Soundness Improvement Act of 2015 S.351 Mortgage Debt Tax Relief Act S.372 SAFE Act Confidentiality and Privilege Enhancement Act S.495 Mortgage Finance Act of 2015 S.608 Mortgage Forgiveness Tax Relief Act S.812 CLEAR Relief Act of 2015 S.871 A bill to provide for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes. Senate Report 114-75THUD Appropriations S.1679 Flood Insurance Market Parity and Modernization Act S.1711 A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes S.1910 Financial Services and General Government Appropriations Act, 2016 S. 1487Regulatory Predictability for Business Growth Act of 2015 S. 2038Jumpstart GSE Reform Act

H.R. 650 Preserving Access to Manufactured Housing Act of 2015 H.R. 1266 Financial Product Safety Commission Act of 2015 H.R. 1263 Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1261 Bureau of Consumer Financial Protection Accountability Act of 2015 HR. 1265 Bureau Advisory Commission Transparency Act H.R. 685 Mortgage Choice Act 2015 H.R. 1259 Helping Expand Lending Practices in Rural Communities Act H.R. 1408 Mortgage Servicing Asset Capital Requirements Act of 2015 H.R. 1480 SAFE Act Confidentiality and Privilege Enhancement Act H.R. 1491 Partnership to Strengthen Homeownership Act of 2015 HR 2995Fiscal year 2016 Financial Services and General Government Appropriations HR 2643the State Licensing Efficiency Act H.R. 2121 SAFE Transitional Licensing Act of 2015 HR. 1266 Financial Product Safety Commission Act of 2015 HR 1210Portfolio Lending and Mortgage Access Act HR 2631Regulatory Predictability for Business Growth Act of 2015 HR 3192Homebuyers Assistance Act HR 957CFPB-IG Act of 2015 HR 414Burdensome Data Collection Relief Act HR 766Financial Institution Customer Protection Act of 2015 HR 2643State Licensing Efficiency Act of 2015 HR 2214A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes HR 1263Consumer Financial Protection Safety and Soundness Improvement Act of 2015 S.351 Mortgage Debt Tax Relief Act S.372 SAFE Act Confidentiality and Privilege Enhancement Act S.495 Mortgage Finance Act of 2015 S.510 CFPB-IG Act of 2015 S.608 Mortgage Forgiveness Tax Relief Act S.871 A bill to provide for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes. S.881 A bill to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise unnecessary regulatory requirements imposed on financial institutions, and for other purposes. S. 1484Financial Regulatory Improvement Act S. 1491Community Lender Regulatory Relief and Consumer Protection Act of 2015 S.1711 A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes S.1910 Financial Services and General Government Appropriations Act, 2016 S. 1487Regulatory Predictability for Business Growth Act of 2015 S. 2038Jumpstart GSE Reform Act

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Examination Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to Ginnie Mae capital Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System. Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to indirect auto lending Issues related to fixed assets Issues related to merchant data breaches Issues related to the payments system Issues related to FHFA proposed rules and FHLB eligibility for credit unions Issues related to Federal Reserve Regulatory D Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to Housing Finance Reform Issues related to the implementation of the remittances provisions in the Dodd-Frank Act Issues related to NCUAs proposal rule on Member Business Lending Issues related to NCUAs proposed rule on Interest on Lawyer Trust Accounts (IOLTA) Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the Feds implementation of same-day ACH Issues related to the regulation of corporate credit unions Issues related to the CFPBs proposed regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the payday, vehicle title, and similar lending Issues related to the CFPBs consumer complaint database Issues related to NCUAs Fixed Assets rule Issues related to NCUAs definition of small entity Issues related to NCUA's Proposed Rule on Member Business Lending Issues related to the Department of Labor's Proposed Rule on the Definition of Fiduciary H.R. 9, the Innovation Act, all provisions H.R. 185, Regulatory Accountability Act of 2015 H.R. 299, the Capital Access for Small Community Financial Institutions Act of 2015, all provisions H.R. 527, the Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 601, the Eliminate Privacy Notice Confusion Act, all provisions H.R. 650, Preserving Access to Manufactured Housing Act, all provision H.R. 685, the Mortgage Choice Act, all provisions H.R. 766, Financial Institution Consumer Protection Act, all provisions H.R. 957, the Bureau of Consumer Financial Protection Inspector General Reform Act, all provisions H.R. 989, the Capital Access for Small Businesses Jobs Creation Act, all provisions H.R. 1090, Retail Investor Protection Act, all provisions H.R. 1176, the NCUA Budget Transparency Act, all provisions H.R. 1188, the Credit Union Small Business Jobs Creation Act, all provisions H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act, all provisions H.R. 1210, the Portfolio Lending and Mortgage Access Act, H.R. 1233, the Community Lending Enhancement and Regulatory Relief Act of 2015 H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act, all provisions H.R. 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1265, the Bureau Advisory Commission Transparency Act, all provision H.R. 1266, the Financial Products Safety Commission Act of 2015 H.R. 1408, requiring a study of the capital requirements for mortgage servicing assets H.R. 1422, the Credit Union Residential Loan Parity Act H.R. 1480, the SAFE Confidentiality and Privilege Enhancement Act H.R. 1523, Community Bank Access to Capital Act of 2015 H.R. 1529, the Community Institution Mortgage Relief Act Discussion Draft, Data Security and Breach Notification Act of 2015 H.R. 1941, the Financial Institution Examination Fairness and Reform Act H.R. 2205, the Data Security Act H.R. 2213, to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2287, the National Credit Union Administration Budget Transparency Act H.R. 2473, the Preserving Capital Access and Mortgage Liquidity Act H.R. 2769, the Risk-Based Capital Study Act, all provisions H.R. 2896, the TAILOR Act H.R. 3192, the Homebuyer Assistance Act, all provisions S. 423, the Privacy Notice Modernization Act, all provisions S. 482, the Consumer Financial Protection Bureau Examination Reporting Threshold Act of 2015, all provisions S. 774 Financial Institutions Examination Fairness and Reform Act, all provisions S. 871, the Helping Expand Lending Practices in (HELP) Rural Communities Act S. 924, the National Credit Union Administration Budget Transparency Act S. 961, the Data Security Act S. 1367, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions S. 1440, the Credit Union Residential Loan Parity Act S. 1484, the Financial Regulatory Improvement Act, Title I The Heck-Stivers Amendment to H.R. 1735, the National Defense Authorization Act, related to the Department of Defenses MLA Database

Federal Reserve, discussion, Yellen hearing; raise of interest rates Federal Reserve Discussion: Wage growth, monetary policy International Tax Reform; Senators Schumer, Menendez, and Brown H.R. 414: Burdensome Data Collection Relief Act; opposed H.R. 1529: Community Institution Mortgage Relief Act of 2015 H.R. 2354: Streamlining excessive and costly regulations review act H.R. 3065: Financial services conflict of interest act H.R. 1266: Financial product safety commission act S. 1686: Carried Interest fairness Act of 2015 H.R. 1480: SAFE Act

Client expense: $830,000 · Firm income: Not reported

Government targets: Bureau of Labor Statistics (BLS), Defense, Dept of (DOD), Election Assistance Commission (EAC), Energy, Dept of, Environmental Protection Agency (EPA), Executive Office of the President (EOP), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Occupational Safety & Health Administration (OSHA), Office of Personnel Management (OPM), Office of the Vice President of the United States, President of the U.S., SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR), Vice President of the U.S., White House Office

EGRPRA Regulatory Review - regulatory relief provisions. HR 1660 - Federal Savings Association Charter Flexibility Act of 2015 - HOLA amendments providing flexibility to operate as a national bank. CFPB revision package - provisions subjecting the agency to additional oversight. HR 9 - The Innovation Act - vague demand letters of patent trolls. HR 601 - Provisions eliminating privacy notice disclosure requirements. HR 1265 - Bureau Advisory Commission Transparency Act - advisory counsel for CFPB HR1480 - SAFE Act - provisions to protect the confidentiality of information banks share with state regulators.

Client expense: $284,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Federal Regulatory Activity OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/ National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule, GSE repurchases; Section 619, Dodd-Frank Wall Street Reform and Consumer Protection Act. Final Rule, Volcker Rule, IRS Regulation 67(e), FDIC brokered Deposits rule; Department of Labor Fiduciary Rule Federal Legislative Activity Cybersecurity legislation: (H.R. 1731, S.1927, S.961); Regulatory Relief bills (H.R. 601, H.R. 1259, H.R.1480, H.R.1265, H.R. 685, S.774, S.1484, H.R.1553), Community Banks legislation (H.R. 1389, H.R. 1233), Portfolio Lending relief (H.R.1210); credit union tax treatment (H.R. 1188), Mutual Bank legislation (H.R.4252); Mutual Charter Relief (H.R. 1660, H.R. 1661), Patent Troll relief (S.1137), the TAILOR Act (H.R.2896), Highway Trust Fund/ Federal Reserve Dividend; Retail Investor Protection Act (H.R. 1090); TILA RESPA Safe Harbor (H.R.3192)

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

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Examination Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to Ginnie Mae capital Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System. Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to indirect auto lending Issues related to fixed assets Issues related to merchant data breaches Issues related to the payments system Issues related to FHFA proposed rules and FHLB eligibility for credit unions Issues related to Federal Reserve Regulatory D Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to Housing Finance Reform Issues related to the implementation of the remittances provisions in the Dodd-Frank Act Issues related to NCUAs proposal rule on Member Business Lending Issues related to NCUAs proposed rule on Interest on Lawyer Trust Accounts (IOLTA) Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the Feds implementation of same-day ACH Issues related to the regulation of corporate credit unions Issues related to the CFPBs proposed regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the payday, vehicle title, and similar lending Issues related to the CFPBs consumer complaint database Issues related to NCUAs Fixed Assets rule Issues related to NCUAs definition of small entity H.R. 9, the Innovation Act, all provisions H.R. 185, Regulatory Accountability Act of 2015 H.R. 299, the Capital Access for Small Community Financial Institutions Act of 2015, all provisions H.R. 527, the Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 601, the Eliminate Privacy Notice Confusion Act, all provisions H.R. 685, the Mortgage Choice Act, all provisions H.R. 766, Financial Institution Consumer Protection Act, all provisions H.R. 989, the Capital Access for Small Businesses Jobs Creation Act, all provisions H.R. 1176, the NCUA Budget Transparency Act, all provisions H.R. 1188, the Credit Union Small Business Jobs Creation Act, all provisions H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act, all provisions H.R. 1210, the Portfolio Lending and Mortgage Access Act, H.R. 1233, the Community Lending Enhancement and Regulatory Relief Act of 2015 H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act, all provisions H.R. 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1265, the Bureau Advisory Commission Transparency Act, all provision H.R. 1266, the Financial Products Safety Commission Act of 2015 H.R. 1408, requiring a study of the capital requirements for mortgage servicing assets H.R. 1422, the Credit Union Residential Loan Parity Act H.R. 1480, the SAFE Confidentiality and Privilege Enhancement Act H.R. 1523, Community Bank Access to Capital Act of 2015 H.R. 1529, the Community Institution Mortgage Relief Act Discussion Draft, Data Security and Breach Notification Act of 2015 H.R. 1941, the Financial Institution Examination Fairness and Reform Act H.R. 2205, the Data Security Act H.R. 2213, to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2287, the National Credit Union Administration Budget Transparency Act H.R. 2473, the Preserving Capital Access and Mortgage Liquidity Act H.R. 2896, the TAILOR Act S. 423, the Privacy Notice Modernization Act, all provisions S. 482, the Consumer Financial Protection Bureau Examination Reporting Threshold Act of 2015, all provisions S. 774 Financial Institutions Examination Fairness and Reform Act, all provisions S. 871, the Helping Expand Lending Practices in (HELP) Rural Communities Act S. 924, the National Credit Union Administration Budget Transparency Act S. 961, the Data Security Act S. 1367, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions S. 1440, the Credit Union Residential Loan Parity Act S. 1484, the Financial Regulatory Improvement Act, Title I The Heck-Stivers Amendment to H.R. 1735, the National Defense Authorization Act, related to the Department of Defenses MLA Database

Bills in the Senate: S. 86 The Small Business Paperwork Relief Act of 2015 S.96 A bill to amend the Consumer Financial Protection Act of 2010 to provide consumers with a free annual disclosure of information the Bureau of Consumer Financial Protection maintains on them, and for other purposes. S. 372 A bill to ensure access to certain information for financial services industry regulators, and for other purposes S. 383 A bill to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions S. 423 A bill to amend the Gramm-Leach-Bliley Act to provide an exception to the annual written privacy notice requirement. S. 445 A bill to increase students and borrowers access to student loan information within the National Student Loan Data System. S. 477 A bill to terminate Operation Choke Point. S. 482 A bill to increase from $10,000,000,000 to $50,000,000,000 the threshold figure at which regulated depository institutions are subject to direct examination and reporting requirements of the Bureau of Consumer Financial Protection, and for other purposes. S. 495 A bill to revoke the charters for the Federal National Mortgage Corporation and the Federal Home Loan Mortgage Corporation upon resolution of their obligations, to create a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes. S. 510 A bill to require Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and for other purposes S. 682 A bill to amend the Truth in Lending Act to modify the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage s. 726 A bill to establish the prudential regulator of community and independent depository institutions as the conduit and arbiter of all Federal financial oversight, examination, and reporting. S. 729 A bill to revise federal bankruptcy law with respect to the exemption from the exception to discharge in bankruptcy for certain educational loans. S. 774 A bill to amend the Federal Financial Institutions Examination Council Act of 1978 to improve the examination of depository institutions, and for other purposes. S. 812 A bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. S. 840 A bill to require certain protections for student loan borrowers, and for other purposes S. 383 A bill to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions. S. Con. Res. 11 and All Amendments Attacking our System of Public Protections S. Con. Res.11, and any other restrictions on the Department of Justices Operation Choke Point or bank regulator efforts to prevent money laundering. House: H.R. 37 To make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, to enhance the ability of small and emerging growth companies ot access capital through public and private markets, to reduce regulatory burdens, and for other purposes. H.R. 50, the Unfunded Mandates Information and Transparency Act of 2015 HR 185, the Regulatory Accountability Act of 2015 HR 299 Capital Access for Small Community Financial Institutions Act of 2015 H.R. 527, the Small Business Regulatory Flexibility Improvements Act H.R. 601, the Eliminate Privacy Notice Confusion Act H.R. 650, the Preserving Access to Manufactured Housing Act of 2015 H.R. 685, the Mortgage Choice Act of 2015 H.R. 712 Sunshine for Regulatory Decrees and Settlements Act of 2015 HR 1090, the Retail Investor Protection Act H.R. 1155 Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act of 2015 H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act H.R. 1265, the Bureau Advisory Commission Transparency Act H.R. 1266 the Financial Product Safety Commission Act of 2015 HR 1309 the Systemic Risk Designation Improvement Act of 2015. H.R. 1408, the Mortgage Servicing Asset Capital Requirements Act of 2015 H.R. 1480, the SAFE Act Confidentiality and Privilege Enhancement Act; H.R. 1529, the Community Institution Mortgage Relief Act of 2015 H.R. 1565, Protecting Consumers from Unreasonable Credit Rates Act of 2015 Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide tax relief to distressed homeowners who receive mortgage debt forgiveness A bill to provide increased consumer protections in auto lending. A bill to provide comprehensive regulatory reform to protect student-borrowers.

Federal Regulatory Activity OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/ National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule, GSE repurchases; Section 619, Dodd-Frank Wall Street Reform and Consumer Protection Act. Final Rule, Volcker Rule, IRS Regulation 67(e), Federal Legislative Activity Cybersecurity legislation: (H.R. 1731, S.1927, S.961); Regulatory Relief bills (H.R. 601, H.R. 1259, H.R.1480, H.R.1265, H.R. 685, S.774), Community Banks legislation (H.R. 1389, H.R. 1233), Portfolio Lending relief (H.R.1210); credit union tax treatment (H.R. 1188), Mutual Bank legislation (H.R.4252); Mutual Charter Relief (H.R. 1660, H.R. 1661), Patent Troll relief (S.1137), Draft tailored regulations bill.

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

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

H.R. 1480, the SAFE Act Confidentiality and Privilege Enhancement Act (protects the confidentiality of information shared with state regulators). S. 961, the Data Security Act of 2015 (ensures all entities that handle consumers sensitive financial data have in place a robust process to protect data. Tailored Regulation Patient Choice, Affordability, Responsibility, and Empowerment (CARE) Act H.R. 868/S. 448, Veterans TRICARE Choice Act H.R. 975, Health Freedom for Seniors Act H.R. 1270/S. 709, Restoring Access to Medication Act of 2015 H.R. 1196, Health Savings Act of 2015 H.R. 1547/S. 836, Family Health Care Flexibility Act H.R. 2205, the Data Security Act of 2015

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

H.R. 185, Regulatory Accountability Act, all provisions; H.R. 601, Eliminate Privacy Notice Confusion Act, all provisions; H.R.650 Mortgage Choice Act, all provisions;H.R. 1188 Credit Union Small Business Jobs Creation Act, all provisions;H.R. 1265 Bureau of Consumer Financial Protection Requirements, all provisions;H.R. 1309, Sytemic Risk Designation Improvement Act, all provisions;H.R. 1480, SAFE Act, all provisions;S. 423, Privacy Notice Modernization Act, all provisions;S. 754 Cybersecurity Information Sharing Act, all provisions;S. 961 Data Security Act, all provisions; H.R. 1295, Trade Preferences Act, IRS reporting on interest and non-interest bearing accounts; S. 1484, Financial Regulatory Improvements Act, all provisions; regional bank regulatory relief general legislative education; Small Business Lending/SBA general legislative education.

Client expense: $150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 185, Regulatory Accountability Act, all provisions; H.R. 601, Eliminate Privacy Notice Confusion Act, all provisions; H.R.650 Mortgage Choice Act, all provisions;H.R. 1188 Credit Union Small Business Jobs Creation Act, all provisions;H.R. 1265 Bureau of Consumer Financial Protection Requirements, all provisions;H.R. 1309, Sytemic Risk Designation Improvement Act, all provisions;H.R. 1480, SAFE Act, all provisions;S. 423, Privacy Notice Modernization Act, all provisions;S. 754 Cybersecurity Information Sharing Act, all provisions;S. 961 Data Security Act, all provisions; H.R. 1295, Trade Preferences Act, IRS reporting on interest and non-interest bearing accounts; S. 1484, Financial Regulatory Improvements Act, all provisions; regional bank regulatory relief general legislative education; Small Business Lending/SBA general legislative education.

Client expense: $150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, 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).

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Examination Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to Ginnie Mae capital Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System. Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to indirect auto lending Issues related to fixed assets Issues related to merchant data breaches Issues related to the payments system Issues related to FHFA proposed rules and FHLB eligibility for credit unions Issues related to Federal Reserve Regulatory D Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to Housing Finance Reform Issues related to the implementation of the remittances provisions in the Dodd-Frank Act Issues related to NCUAs proposal rule on Member Business Lending Issues related to NCUAs proposed rule on Interest on Lawyer Trust Accounts (IOLTA) Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the Feds implementation of same-day ACH Issues related to the regulation of corporate credit unions Issues related to the CFPBs proposed regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the payday, vehicle title, and similar lending Issues related to the CFPBs consumer complaint database Issues related to NCUAs Fixed Assets rule Issues related to NCUAs definition of small entity H.R. 9, the Innovation Act, all provisions H.R. 185, Regulatory Accountability Act of 2015 H.R. 299, the Capital Access for Small Community Financial Institutions Act of 2015, all provisions H.R. 527, the Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 601, the Eliminate Privacy Notice Confusion Act, all provisions H.R. 685, the Mortgage Choice Act, all provisions H.R. 766, Financial Institution Consumer Protection Act, all provisions H.R. 989, the Capital Access for Small Businesses Jobs Creation Act, all provisions H.R. 1176, the NCUA Budget Transparency Act, all provisions H.R. 1188, the Credit Union Small Business Jobs Creation Act, all provisions H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act, all provisions H.R. 1210, the Portfolio Lending and Mortgage Access Act, H.R. 1233, the Community Lending Enhancement and Regulatory Relief Act of 2015 H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act, all provisions H.R. 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1265, the Bureau Advisory Commission Transparency Act, all provision H.R. 1266, the Financial Products Safety Commission Act of 2015 H.R. 1408, requiring a study of the capital requirements for mortgage servicing assets H.R. 1422, the Credit Union Residential Loan Parity Act H.R. 1480, the SAFE Confidentiality and Privilege Enhancement Act H.R. 1523, Community Bank Access to Capital Act of 2015 H.R. 1529, the Community Institution Mortgage Relief Act Discussion Draft, Data Security and Breach Notification Act of 2015 H.R. 1941, the Financial Institution Examination Fairness and Reform Act H.R. 2205, the Data Security Act H.R. 2213, to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. H.R. 2287, the National Credit Union Administration Budget Transparency Act H.R. 2473, the Preserving Capital Access and Mortgage Liquidity Act H.R. 2896, the TAILOR Act S. 423, the Privacy Notice Modernization Act, all provisions S. 482, the Consumer Financial Protection Bureau Examination Reporting Threshold Act of 2015, all provisions S. 774 Financial Institutions Examination Fairness and Reform Act, all provisions S. 871, the Helping Expand Lending Practices in (HELP) Rural Communities Act S. 924, the National Credit Union Administration Budget Transparency Act S. 961, the Data Security Act S. 1367, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions S. 1440, the Credit Union Residential Loan Parity Act S. 1484, the Financial Regulatory Improvement Act, Title I The Heck-Stivers Amendment to H.R. 1735, the National Defense Authorization Act, related to the Department of Defenses MLA Database

EGRPRA Regulatory Review - provisions that may provide regulatory relief HR 1660 - Federal Savings Association Charter Flexibility Act of 2015 - HOLA amendments providing flexibility to operate as a national bank. CFBA revision package - Provisions subjecting the agency to additional oversight. HR 9 - The Innovation Act - Provisions addressing vague demand letters of patent trolls HR 601 - Provisions eliminating privacy notice disclosure letters. HR 1265 - Bureau Advisory Commission Transparency Act - Provisions creating an advisory counsel for the CFPB HR 1480 - SAFE Act - Provisions to protect the confidentiality of information banks share with state regulators. HR 1478/S 798 - Policyholder Protection Act - source of strength provisions. HR 1660 Federal Savings Association Charter Flexibility Act - provisions related to charter flexibility. HR 2213 - Provisions for a formal grace period from enforcement under TILA-RESPA. HR 601 - Eliminate Privacy Notice Confusion Act - Privacy notice exemptions.

Client expense: $142,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 185, Regulatory Accountability Act, all provisions; H.R. 601, Eliminate Privacy Notice Confusion Act, all provisions; H.R.650 Mortgage Choice Act, all provisions;H.R. 1188 Credit Union Small Business Jobs Creation Act, all provisions;H.R. 1265 Bureau of Consumer Financial Protection Requirements, all provisions;H.R. 1309, Sytemic Risk Designation Improvement Act, all provisions;H.R. 1480, SAFE Act, all provisions;S. 423, Privacy Notice Modernization Act, all provisions;S.510/H.R. 957, Senate Confirmation of Financial Protection Inspector, all provisions;S. 754 Cybersecurity Information Sharing Act, all provisions;S. 961 Data Security Act, all provisions;reginal bank regulatory relief general legislative education; Small Business Lending/SBA general legislative education.

Client expense: $90,721 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 185, Regulatory Accountability Act, all provisions; H.R. 601, Eliminate Privacy Notice Confusion Act, all provisions; H.R.650 Mortgage Choice Act, all provisions;H.R. 1188 Credit Union Small Business Jobs Creation Act, all provisions;H.R. 1265 Bureau of Consumer Financial Protection Requirements, all provisions;H.R. 1309, Sytemic Risk Designation Improvement Act, all provisions;H.R. 1480, SAFE Act, all provisions;S. 423, Privacy Notice Modernization Act, all provisions;S.510/H.R. 957, Senate Confirmation of Financial Protection Inspector, all provisions;S. 754 Cybersecurity Information Sharing Act, all provisions;S. 961 Data Security Act, all provisions;reginal bank regulatory relief general legislative education; Small Business Lending/SBA general legislative education.

Client expense: $90,721 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Bills in the Senate: S. 86 The Small Business Paperwork Relief Act of 2015 S.96 A bill to amend the Consumer Financial Protection Act of 2010 to provide consumers with a free annual disclosure of information the Bureau of Consumer Financial Protection maintains on them, and for other purposes. S. 372 A bill to ensure access to certain information for financial services industry regulators, and for other purposes S. 383 A bill to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions S. 423 A bill to amend the Gramm-Leach-Bliley Act to provide an exception to the annual written privacy notice requirement. S. 445 A bill to increase students and borrowers access to student loan information within the National Student Loan Data System. S. 477 A bill to terminate Operation Choke Point. S. 482 A bill to increase from $10,000,000,000 to $50,000,000,000 the threshold figure at which regulated depository institutions are subject to direct examination and reporting requirements of the Bureau of Consumer Financial Protection, and for other purposes. S. 495 A bill to revoke the charters for the Federal National Mortgage Corporation and the Federal Home Loan Mortgage Corporation upon resolution of their obligations, to create a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes. S. 510 A bill to require Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and for other purposes S. 682 A bill to amend the Truth in Lending Act to modify the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage s. 726 A bill to establish the prudential regulator of community and independent depository institutions as the conduit and arbiter of all Federal financial oversight, examination, and reporting. S. 729 A bill to revise federal bankruptcy law with respect to the exemption from the exception to discharge in bankruptcy for certain educational loans. S. 774 A bill to amend the Federal Financial Institutions Examination Council Act of 1978 to improve the examination of depository institutions, and for other purposes. S. 812 A bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. S. 840 A bill to require certain protections for student loan borrowers, and for other purposes S. 383 A bill to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions. S. Con. Res. 11 and All Amendments Attacking our System of Public Protections S. Con. Res.11, and any other restrictions on the Department of Justices Operation Choke Point or bank regulator efforts to prevent money laundering. House: H.R. 37 To make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, to enhance the ability of small and emerging growth companies ot access capital through public and private markets, to reduce regulatory burdens, and for other purposes. H.R. 50, the Unfunded Mandates Information and Transparency Act of 2015 HR 185, the Regulatory Accountability Act of 2015 HR 299 Capital Access for Small Community Financial Institutions Act of 2015 H.R. 527, the Small Business Regulatory Flexibility Improvements Act H.R. 601, the Eliminate Privacy Notice Confusion Act H.R. 650, the Preserving Access to Manufactured Housing Act of 2015 H.R. 685, the Mortgage Choice Act of 2015 H.R. 712 Sunshine for Regulatory Decrees and Settlements Act of 2015 HR 1090, the Retail Investor Protection Act H.R. 1155 Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act of 2015 H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act H.R. 1265, the Bureau Advisory Commission Transparency Act H.R. 1266 the Financial Product Safety Commission Act of 2015 HR 1309 the Systemic Risk Designation Improvement Act of 2015. H.R. 1408, the Mortgage Servicing Asset Capital Requirements Act of 2015 H.R. 1480, the SAFE Act Confidentiality and Privilege Enhancement Act; H.R. 1529, the Community Institution Mortgage Relief Act of 2015 H.R. 1565, Protecting Consumers from Unreasonable Credit Rates Act of 2015 Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide tax relief to distressed homeowners who receive mortgage debt forgiveness A bill to provide increased consumer protections in auto lending. A bill to provide comprehensive regulatory reform to protect student-borrowers.

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).

H.R. 1480, the SAFE Act Confidentiality and Privilege Enhancement Act (protects the confidentiality of information shared with state regulators). Data Breach and Data Security Tailored Regulation Patient Choice, Affordability, Responsibility, and Empowerment (CARE) Act H.R. 868/S. 448, Veterans TRICARE Choice Act H.R. 975, Health Freedom for Seniors Act H.R. 1270/S. 709, Restoring Access to Medication Act of 2015 H.R. 1196, Health Savings Act of 2015 H.R. 1547/S. 836, Family Health Care Flexibility Act

Client expense: $1,900,000 · Firm income: Not reported