Partnership to Strengthen Homeownership Act of 2015

GSE Reform: Proposals to ensure liquidity in multifamily mortgage market in a post Fannie Mae / Freddie Mac environment Public Proposals for the Future of the Housing Finance System H.R.1491, Partnership to Strengthen Homeownership Act of 2015 H.R. 2767 Protecting American Taxpayers and Homeowners Act, all provisions, from the 113th Congress. Community Reinvestment Act Rules High Volatility Commercial Real Estate (HVCRE) legislative proposals H.R. 2148, Clarifying High Volatility Commercial Real Estate Loans FHFA: Federal Housing Finance Agency (FHFA) Quarterly Market Update FHFA: Federal Housing Finance Agency (FHFA: Housing Goals for 2018 - 2020 Financial Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs (CHOICE) Act Dodd-Frank Reform Commented on High Volatility Commercial Real Estate (HVCRE) - Office of the Comptroller of the Currency, FEDERAL DEPOSIT INSURANCE CORPORATION 12 CFR Part 324 RIN 3064-AE59, Simplifications to the Capital Rule Pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996 Commented on Federal Housing Finance Agency (FHFA) 2018-2020 Housing Goals For 2018-2022 Fannie Mae and Freddie Mac Briefed Federal Housing Finance Agency (FHFA), on multifamily conditions/production caps. HMDA joint industry letter to CFPB

Client expense: $1,080,000 · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Consumer Financial Protection Bureau (CFPB), Energy, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Economic Council (NEC), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Postal Service (USPS), White House Office

GSE Reform: Proposals to ensure liquidity in multifamily mortgage market in a post Fannie Mae / Freddie Mac environment Public Proposals for the Future of the Housing Finance System H.R.1491, Partnership to Strengthen Homeownership Act of 2015 H.R. 2767 Protecting American Taxpayers and Homeowners Act, all provisions, from the 113th Congress. Community Reinvestment Act Rules High Volatility Commercial Real Estate (HVCRE) legislative proposals H.R. 2148, Clarifying High Volatility Commercial Real Estate Loans FHFA: Federal Housing Finance Agency (FHFA) Quarterly Market Update FHFA: Federal Housing Finance Agency (FHFA: Housing Goals for 2018 - 2020 Financial Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs (CHOICE) Act Dodd-Frank Reform

Client expense: $950,000 · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Postal Service (USPS), White House Office

GSE Reform: Proposals to ensure liquidity in multifamily mortgage market in a post Fannie Mae / Freddie Mac environment Public Proposals for the Future of the Housing Finance System H.R.1491, Partnership to Strengthen Homeownership Act of 2015 H.R. 2767 Protecting American Taxpayers and Homeowners Act, all provisions, from the 113th Congress. Community Reinvestment Act Rules High Volatility Commercial Real Estate (HVCRE) legislative proposals H.R. 2148, Clarifying High Volatility Commercial Real Estate Loans FHFA: Federal Housing Finance Agency (FHFA) Quarterly Market Update Financial Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs (CHOICE) Act Dodd-Frank Reform

Client expense: $1,035,000 · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Postal Service (USPS)

GSE Reform: Proposals to ensure liquidity in multifamily mortgage market in a post Fannie Mae / Freddie Mac environment Public Proposals for the Future of the Housing Finance System H.R.1491, Partnership to Strengthen Homeownership Act of 2015 H.R. 2767 Protecting American Taxpayers and Homeowners Act, all provisions, from the 113th Congress. Community Reinvestment Act Rules High Volatility Commercial Real Estate (HVCRE) legislative proposals FHFA: Federal Housing Finance Agency (FHFA) Quarterly Market Update Financial Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs (CHOICE) Act Dodd-Frank Reform

Client expense: $665,000 · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Postal Service (USPS)

H.R. 101, Home Foreclosure Reduction Act of 2015 H.R. 189, Service member Foreclosure Protections Extension Act of 2015 H.R. 190, Making Service member Foreclosure Protections Permanent Act H.R. 233, Tenant Income Verification Relief Act of 2015 H.R. 574, To prohibit contributions by Fannie Mae and Freddie Mac to the Housing Trust Fund and the Capital Market Fund while such enterprises are in conservatorship or receivership, and for other purposes H.R. 576, To amend the definition of "homeless person" under the McKinney-Vento Homeless Assistance Act to include certain homeless children and youth, and for other purposes. H.R. 650, To amend the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage H.R. 1001, To amend the Internal Revenue Code of 1986 to terminate certain energy tax subsidies and lower the corporate income tax rate H.R. 1297, To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act to provide assistance for housing cooperatives damaged by a major disaster, to provide relief to homeowners affected by major disasters who have mortgages insured by the FHA or owned or guaranteed by Fannie Mae or Freddie Mac, and for other purposes H.R. 1354, Permanently Protecting Tenants at Foreclosure Act of 2015 H.R. 1491, Partnership to Strengthen Homeownership Act of 2015 H.R. 1577, Fannie Mae and Freddie Mac Transparency Act of 2015 H.R. 3700, Housing Opportunity Through Modernization Act of 2016 S. 65, Moving to Work Charter Program Act of 2015 S. 256, Homeless Children and Youth Act of 2015 S. 351, A bill to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt 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. 730, Permanently Protecting Tenants at Foreclosure Act of 2015 S.752, A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit

Client expense: $27,003 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 101, Home Foreclosure Reduction Act of 2015 H.R. 189, Service member Foreclosure Protections Extension Act of 2015 H.R. 190, Making Service member Foreclosure Protections Permanent Act H.R. 233, Tenant Income Verification Relief Act of 2015 H.R. 574, To prohibit contributions by Fannie Mae and Freddie Mac to the Housing Trust Fund and the Capital Market Fund while such enterprises are in conservatorship or receivership, and for other purposes H.R. 576, To amend the definition of "homeless person" under the McKinney-Vento Homeless Assistance Act to include certain homeless children and youth, and for other purposes H.R. 650, To amend the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage H.R. 1001, To amend the Internal Revenue Code of 1986 to terminate certain energy tax subsidies and lower the corporate income tax rate H.R. 1297, To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act to provide assistance for housing cooperatives damaged by a major disaster, to provide relief to homeowners affected by major disasters who have mortgages insured by the FHA or owned or guaranteed by Fannie Mae or Freddie Mac, and for other purposes H.R. 1354, Permanently Protecting Tenants at Foreclosure Act of 2015 H.R. 1491, Partnership to Strengthen Homeownership Act of 2015 H.R. 1577, Fannie Mae and Freddie Mac Transparency Act of 2015 H.R.2997, Private Investment in Housing Act of 2015 H.R. 3700, To provide housing opportunities in the United States through modernization of various housing programs, and for other purposes S. 65, Moving to Work Charter Program Act of 2015 S. 256, Homeless Children and Youth Act of 2015 S. 351, A bill to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt 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. 730, Permanently Protecting Tenants at Foreclosure Act of 2015 S.752, A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit

Client expense: $22,123 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 574, To prohibit contributions by Fannie Mae and Freddie Mac to the Housing Trust Fund and the Capital Market Fund while such enterprises are in conservatorship or receivership, and for other purposes H.R. 576, To amend the definition of "homeless person" under the McKinney-Vento Homeless Assistance Act to include certain homeless children and youth, and for other purposes H.R. 1001, To amend the Internal Revenue Code of 1986 to terminate certain energy tax subsidies and lower the corporate income tax rate H.R. 1297, To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act to provide assistance for housing cooperatives damaged by a major disaster, to provide relief to homeowners affected by major disasters who have mortgages insured by the FHA or owned or guaranteed by Fannie Mae or Freddie Mac, and for other purposes H.R. 1354, Permanently Protecting Tenants at Foreclosure Act of 2015 H.R. 1491, Partnership to Strengthen Homeownership Act of 2015 H.R. 1577, Fannie Mae and Freddie Mac Transparency Act of 2015 S. 65, Moving to Work Charter Program Act of 2015 S. 256, Homeless Children and Youth Act of 2015 S. 351, A bill to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt 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. 730, Permanently Protecting Tenants at Foreclosure Act of 2015 S.752, A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit

Client expense: $59,236 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1484, Financial Regulatory Improvement Act of 2015, sections 106, 107, 701, 702, 703, 704, 705, and 706; Issues relating to housing finance reform - general; Issues relating to FHFA guarantee fee, common securitization platform and the GSE single security; Issues relating to FHA quality control systems, certification and servicing policies; H.R. 1491, Partnership to Strengthen Homeownership Act of 2015, all provisions; Issues relating to the Uniform Residential Loan Application.

Client expense: $1,190,000 · Firm income: Not reported

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

H.R. 1491; S. 1679; H.R. 2901; S. 2038 - Discussed home mortgage loan modifications, foreclosures, servicing, and refinancing; discussed housing finance reform and related issues; discussed flood insurance and related issues.

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

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 101, Home Foreclosure Reduction Act of 2015 H.R. 189, Service member Foreclosure Protections Extension Act of 2015 H.R. 190, Making Service member Foreclosure Protections Permanent Act H.R. 233, Tenant Income Verification Relief Act of 2015 H.R. 574, To prohibit contributions by Fannie Mae and Freddie Mac to the Housing Trust Fund and the Capital Market Fund while such enterprises are in conservatorship or receivership, and for other purposes. H.R. 576, To amend the definition of "homeless person" under the McKinney-Vento Homeless Assistance Act to include certain homeless children and youth, and for other purposes. H.R. 650, To amend the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage. H.R. 1001, To amend the Internal Revenue Code of 1986 to terminate certain energy tax subsidies and lower the corporate income tax rate. H.R. 1297, To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act to provide assistance for housing cooperatives damaged by a major disaster, to provide relief to homeowners affected by major disasters who have mortgages insured by the FHA or owned or guaranteed by Fannie Mae or Freddie Mac, and for other purposes. H.R. 1354, Permanently Protecting Tenants at Foreclosure Act of 2015 H.R. 1491, Partnership to Strengthen Homeownership Act of 2015 H.R. 1577, Fannie Mae and Freddie Mac Transparency Act of 2015 H.R., 3700 Housing Opportunity Through Modernization Act of 2016 H.R. 1293, "To amend the Public Health Service Act to establish a grant program to provide supportive services in permanent supportive housing for chronically homeless individuals and families, and for other purposes." S. 65, Moving to Work Charter Program Act of 2015 S. 256, Homeless Children and Youth Act of 2015 S. 351, A bill to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt. 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. 730, Permanently Protecting Tenants at Foreclosure Act of 2015 S.752, A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. S. 473, A bill to implement programs and activities to raise children up out of poverty and save the next generation.

Client expense: $135,188 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Housing/GSE reform, mortgage insurance, housing issues H.R. 1491, S. 1484, the Financial Regulatory Improvement Act of 2015, Title CII, provisions related to mortgage reform and H.R. 2029, the Consolidated Appropriations Act of 2016, H.R. 6487, the Taxpayer Protections and Market Access for Mortgage Finance Act of 2016 and H.R. 65000, Moving Housing Forward Act of 2016.

Client expense: $130,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Housing/GSE reform, mortgage insurance, housing issues H.R. 1491, S. 1484, the Financial Regulatory Improvement Act of 2015, Title CII, provisions related to mortgage reform and H.R. 2029, the Consolidated Appropriations Act of 2016, H.R. 6487, the Taxpayer Protections and Market Access for Mortgage Finance Act of 2016 and H.R. 65000, Moving Housing Forward Act of 2016.

Client expense: $130,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Credit Availability S1484 - The Financial Regulatory Improvement Act of 2015 Fees and Points in the QM ATR Rules of Dodd-Frank HR685 - Mortgage Choice Act of 2015 Student Loan Debt HR970 - Supporting Academic Freedom through Regulatory Relief Act HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act HR3179 - Empowering Students Through Enhanced Financial Counseling Act HR3180 - Flexible Pell Grant for 21st Century Students Act HR4162 - Credit Access and Inclusion Act of 2015 HR4652 - CLEAR Act S85 - Repay Act of 2015 S108 - Financial Aid Simplification and Transparency Act of 2015 S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights S1948 - AFFORD Act S2043 - Know Before You Owe Federal Student Loan Act of 2015 S2677 - In the Red Act of 2016 Credit Union Lending HR1188 - Credit Union Small Business Job Creations Act CFPB Reform HR1266 - Financial Product Safety Commission Act of 2015 S510 - CFPB-IG Act of 2015 Access to Manufactured Housing HR650 - Preserving Access to Manufactured Housing Act of 2015 S682 - Preserving Access to Manufactured Housing Act of 2015 GSE Reform HR22 - DRIVE Act HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR2029 - Consolidated Appropriations Act, 2016 HR4913 - Housing Finance Restructuring Act of 2016 HR__ - Moving Housing Forward Act S2038 - Jumpstart GSE Reform Act Guarantee Fees S752 - A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. HConRes125 - Establishing the congressional budget for the United States Government for fiscal year 2017 and setting forth the appropriate budgetary levels for fiscal years 2018 through 2026. RESPA/TILA Amendments/TRID HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access Act HR3192 - Homebuyers Assistance Act S1711 - 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. Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Alternative Credit Scoring HR3035 - Credit Access and Inclusion Act of 2015 HR4211 - Credit Score Competition Act of 2015 HR4893 - Risk Management and Homeowner Stability Act of 2016 S2355 - Credit Access and Inclusion Act of 2015 Service Members Foreclosure Relief S2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 Commercial Risk Retention Rules HR4620 - Preserving Access to CRE Capital Act of 2016 FHFA HR3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. Financial Regulatory Reform HR1090 - Retail Investor Protection Act HR1523 - Community Bank Access to Capital Act of 2015 HR2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 HR5983 - The Financial Choice Act S1484 - Financial Regulatory Improvement Act of 2015 S1491 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 S1816 - Community Bank Access to Capital Act of 2015 Credit Reporting HR347 - The Facilitating Access to Credit Act HR5282 - The Comprehensive Consumer Credit Reporting Act of 2016 Federal Home Loan Bank HR__ - To amend the Federal Home Loan Bank Act to clarify the definition of an insurance company and to provide Federal Home Loan Bank membership standards for certain captive insurance companies Alternative Lending Sources HR4854 - Supporting America's Innovators Act of 2016 HR4855 - Fix Crowdfunding Act Zombie Foreclosures S3146 - Preserving Abandoned Foreclosures and Preserving Communities Act of 2016 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID, RESPA, TILA, and student loan debt. Discussions with the Federal Housing Finance Agency (FHFA) on GSE reform, duty-to-serve. Discussions with the Treasury on anti-money laundering and GSE reform. Conversations with the Office of the Comptroller of the Currency (OCC) on bank charters. Discussions with the Securities and Exchange Commission (SEC) on crowdfunding, small business lending.

Client expense: $19,540,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Consumer Financial Protection Bureau (CFPB), Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Telecommunications & Information Administration (NTIA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Geological Survey (USGS), Veterans Affairs, Dept of (VA)

GSE Reform: Proposals to ensure liquidity in multifamily mortgage market in a post Fannie Mae / Freddie Mac environment Public Proposals for the Future of the Housing Finance System H.R.1491, Partnership to Strengthen Homeownership Act of 2015 H.R. 2243, the Equity in Government Compensation Act of 2015, all provisions S. 2038, Jumpstart GSE Reform Act, all provisions S. 1484, Financial Regulatory Improvement Act of 2015, TITLE VII-Taxpayer Protections and Market Access for Mortgage Finance, provisions relating to multifamily housing finance. H.R. 2767 Protecting American Taxpayers and Homeowners Act, all provisions, from the 113th Congress. FHFA: Federal Housing Finance Agency (FHFA) 2016 multifamily lending caps for Government Sponsored Enterprises FHFA: Final Rule for GSEs Duty to Serve

Client expense: $652,000 · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Postal Service (USPS)

Balanced Housing Policy Section 8 Reform Project -Based Voucher Programs Federal Affordable Housing Programs Federal Affordable Housing Energy Savings Programs H. R. 233, the Tenant Income Verification Relief Act of 2015 all provisions Fair Housing/Disparate Impact Rural Housing Issues National Defense Authorization Act (NDAA) for Fiscal Year 2017 (Personnel, Family Housing) Military Housing Privatization Initiative / Basic Allowance for Housing H.R. 1491- Partnership to Strengthen Homeownership Act Housing Finance Proposals HUD Final Rule: Implementation of the Fair Housing Acts Discrimination Effects Federal Affordable Housing Programs HUD Fair Market Rents/Small Area Fair Rent Issues HUD: Commented on HUD Using Small Area Fair Market Rent proposal in Housing Choice Voucher Program Rental Assistance Demonstration Program FHA Multifamily Programs GSE Reform: Proposals to ensure liquidity in multifamily mortgage market in a post Fannie Mae / Freddie Mac environment FY 2017 Housing Appropriations - House and Senate: -Continuing Resolution/H.R.5325 - Continuing Appropriations and Military Construction, Veterans Affairs, and Related Agencies Appropriations Act, 2017, and Zika Response and Preparedness Act Commerce, Justice, Science and Related Agencies Appropriations Transportation, Housing, and Urban Development, and Related Agencies Act Appropriations Department of Defense Appropriations Agriculture Appropriations bill, Rural Housing Service (RHS), Housing issues, Appropriations Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations - Appropriations for HOME Investment Partnerships (HOME) program funding as it relates to the Low Income Housing Tax Credit Program - Cybersecurity Act of 2015 Omnibus, all provisions (the Act) FY2017Budget House and Senate: -Funding for the U.S. Census Bureau- Census/American Community Survey -Funding for the U.S. Bureau of Labor Statistics-data on labor, employment, American productivity statistics and information on economy and workforce funding - Funding for Housing - Transportation Housing Urban Development -HUD: Fair Market Rents -P.L. 114-201/H.R. 3700/S. 3083, the Housing Opportunity Through Modernization Act of 2015, all provisions - Rural Housing Issues: United States Department of Agriculture (USDA) Rural Housing Rental Assistance Agreements related to the funding. - HUD: Affirmatively Furthering Fair Housing - H.R. 2997, Private Investment in Housing Act, all provisions - H.R. 2243, the Equity in Government Compensation Act of 2015, all provisions -S. 2038, Jumpstart GSE Reform Act, all provisions -Proposals to expand the availability of affordable and workforce housing -S. 2006 the Regulatory Accountability Act of 2015 -Reviewed proposals for the sharing economy H.R.2205/S.961 - Data Security Act of 2015, all provisions H.R. 3765, ADA Education and Reform Act of 2015 S. 3446, ADA Education and Reform Act of 2016 HUD: Guidance for Public Housing Agencies (PHAs) and Owners of Federally-Assisted Housing on Excluding the Use of Arrest Records in Housing Decisions HUD: Section 8 Policy Renewal Guidebook FEMA/HUD: Reducing Flood Risk to Residential Buildings That Cannot Be Elevated FEMA P-1037 / September 2015 FHFA: Federal Housing Finance Agency (FHFA) 2016 Scorecard multifamily FHFA: Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Macs regulator Duty to Serve guidance S. 1484, Financial Regulatory Improvement Act of 2015, Title VII- Taxpayer Protections and Market Access for Mortgage Finance, provisions relating to multifamily housing finance. HUD: Bed Bug Policy House Financial Services Committee: H.R. 2901, the Flood Insurance Market Parity and Modernization Act Commented on House Financial Services Committee Luetkemeyer Draft Flood Insurance Proposal HUD: Federal Housing Administration (FHA) multifamily mortgage insurance rates in order to spur the financing of affordable housing and energy-efficient apartments. HUD: Median zip code rents HUD: Limited English Proficiency Commented on the Senate Appropriations, Subcommittee on Transportation, Housing and Urban Development, and Related Agencies hearing entitled Housing Vulnerable Families and Individuals: Is There a Better Way? HUD: Guidance on Application of Fair Housing Act Standards to the Enforcement of Local Nuisance and Crime-Free Housing Ordinances Against Victims of Domestic Violence, Other Crime Victims, and Others Who Require Police or Emergency Services HUD: Violence Against Women Act Final Rule HUD: Quid Pro Quo and Hostile Environment Harassment and Liability for Discriminatory Housing Practices under the Fair Housing Act. S.3219, Housing Accountability Act of 2016, all provisions Davis Bacon Reform as related to the Department of Housing and Urban Development on the Department of Labor Land Use/Infrastructure Trump Administration transition issues associated with all aspects of multifamily housing

Client expense: $652,000 · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Postal Service (USPS)

H.R. 1491 and S. 495, GSE reform legislation; and S. 1484, financial institutions regulatory relief legislation.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1491 and S. 495, GSE reform legislation; and S. 1484, financial institutions regulatory relief legislation.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1484, Financial Regulatory Improvement Act of 2015, sections 106, 107, 701, 702, 703, 704, 705, and 706; Issues relating to housing finance reform - general; Issues relating to FHFA guarantee fee, common securitization platform and the GSE single security; Issues relating to FHA quality control systems, certification and servicing policies; H.R. 1491, Partnership to Strengthen Homeownership Act of 2015, all provisions; Issues relating to the Uniform Residential Loan Application.

Client expense: $1,090,000 · Firm income: Not reported

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

Reform of housing finance system (Fannie Mae, Freddie Mac) Federal Housing Finance Agency rulemaking on "Duty to Serve" FY2017 Transportation, HUD, Military Construction, VA et al. appropriations - provisions governing HUD rulemakings Policies related to affirmatively furthering fair housing rule H.R.1491, Partnership to Strengthen Homeownership Act of 2015 S.1484, Financial Regulatory Improvement Act of 2015

Client expense: $391,841 · Firm income: Not reported

Government targets: Bureau of the Census, Consumer Financial Protection Bureau (CFPB), Education, Dept of, Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Transportation, Dept of (DOT), Treasury, Dept of

H.R. 685, Mortgage Choice Act of 2015, a bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction; entire bill. H.R. 1491, the Partnership to Strengthen Home Ownership Act of 2015, a bill to reform the housing finance system of the United States; entire bill. Draft legislation to reintroduce the Protecting American Taxpayers and Homeowners Act of 2013, legislation to create a sustainable housing finance system for the 21st century. Draft legislation to reintroduce the Housing Finance Reform and Taxpayer Protection Act of 2013, legislation to provide secondary mortgage market reform. Proposed Rule RIN 3170-AA61 (Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z). H.R. 1266, the Financial Product Safety Commission Act of 2015, a bill to amend the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes; entire bill. General education concerning Financial Crimes Enforcement Networks (FinCEN) recent Geographic Targeting Order that imposes additional record keeping and reporting requirements designed to deter money laundering in New York City, Miami, Los Angeles, San Diego and San Antonio; no bill yet introduced. H.R. 5983, the Financial Choice Act of 2016, a bill to create hope and opportunity for consumers, investors, and entrepreneurs by ending bailouts and Too Big to Fail, holding Washington and Wall Street accountable, eliminating red tape to increase access to capital and credit, and repealing the provisions of the Dodd-Frank Act that make America less prosperous, less stable, and less free, and for other purposes; entire bill. General education concerning blockchain and other technological innovation in real estate. H.R. 2205, the Data Security Act of 2015, a bill to protect financial information relating to consumers, to require notice of security breaches, and for other purposes; entire bill. General education concerning proposals related to data security.

Client expense: $130,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Balanced Housing Policy Section 8 Reform Project -Based Voucher Programs Federal Affordable Housing Programs Federal Affordable Housing Energy Savings Programs H. R. 233, the Tenant Income Verification Relief Act of 2015 all provisions Fair Housing/Disparate Impact Rural Housing Issues National Defense Authorization Act (NDAA) for Fiscal Year 2017 (Personnel, Family Housing) Military Housing Privatization Initiative / Basic Allowance for Housing H.R. 1491- Partnership to Strengthen Homeownership Act Housing Finance Proposals HUD Final Rule: Implementation of the Fair Housing Acts Discrimination Effects Federal Affordable Housing Programs HUD Fair Market Rents/Small Area Fair Rent Issues HUD Multifamily Transformation Initiative HUD Small Multifamily Building Programs Rental Assistance Demonstration Program FHA Multifamily Programs GSE Reform: Proposals to ensure liquidity in multifamily mortgage market in a post Fannie Mae / Freddie Mac environment FY 2017 Housing Appropriations - House and Senate: -Continuing Resolution/H.R.5325 - Continuing Appropriations and Military Construction, Veterans Affairs, and Related Agencies Appropriations Act, 2017, and Zika Response and Preparedness Act Commerce, Justice, Science and Related Agencies Appropriations Transportation, Housing, and Urban Development, and Related Agencies Act Appropriations Department of Defense Appropriations Agriculture Appropriations bill, Rural Housing Service (RHS), Housing issues, Appropriations Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations - Appropriations for HOME Investment Partnerships (HOME) program funding as it relates to the Low Income Housing Tax Credit Program - Cybersecurity Act of 2015 Omnibus, all provisions (the Act) FY2017Budget House and Senate: -Funding for the U.S. Census Bureau- Census/American Community Survey -Funding for the U.S. Bureau of Labor Statistics-data on labor, employment, American productivity statistics and information on economy and workforce funding - Funding for Housing - Transportation Housing Urban Development -HUD: Fair Market Rents -P.L. 114-201/H.R. 3700/S. 3083, the Housing Opportunity Through Modernization Act of 2015, all provisions - Rural Housing Issues: United States Department of Agriculture (USDA) Rural Housing Rental Assistance Agreements related to the funding. Section 521 issues - HUD: Affirmatively Furthering Fair Housing - H.R. 2997, Private Investment in Housing Act, all provisions - FHFA Comments: Commented on the Federal Housing Finance Agency (FHFA) multifamily production cap on the Government-Sponsored Enterprises (GSEs), Fannie Mae and Freddie Mac - H.R. 2243, the Equity in Government Compensation Act of 2015, all provisions -S. 2038, Jumpstart GSE Reform Act, all provisions -Proposals to expand the availability of affordable and workforce housing -S. 2006 the Regulatory Accountability Act of 2015 -Reviewed proposals for the sharing economy H.R.2205/S.961 - Data Security Act of 2015, all provisions H.R. 3765, ADA Education and Reform Act of 2015 HUD: Guidance for Public Housing Agencies (PHAs) and Owners of Federally-Assisted Housing on Excluding the Use of Arrest Records in Housing Decisions HUD: Section 8 Policy Renewal Guidebook FEMA/HUD: Reducing Flood Risk to Residential Buildings That Cannot Be Elevated FEMA P-1037 / September 2015 FHFA: Federal Housing Finance Agency (FHFA) 2016 Scorecard multifamily FHFA: Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Macs regulator Duty to Serve guidance S. 1484, Financial Regulatory Improvement Act of 2015, Title VII- Taxpayer Protections and Market Access for Mortgage Finance, provisions relating to multifamily housing finance. HUD: Bed Bug Policy House Financial Services Committee: H.R. 2901, the Flood Insurance Market Parity and Modernization Act HUD: Federal Housing Administration (FHA) multifamily mortgage insurance rates in order to spur the financing of affordable housing and energy-efficient apartments. HUD: Median zip code rents HUD: Limited English Proficiency Commented on the Senate Appropriations, Subcommittee on Transportation, Housing and Urban Development, and Related Agencies hearing entitled Housing Vulnerable Families and Individuals: Is There a Better Way? Submitted a statement for the House Budget Committee, hearing on Restoring the Trust for Families and Working-Age Americans. HUD: Guidance on Application of Fair Housing Act Standards to the Enforcement of Local Nuisance and Crime-Free Housing Ordinances Against Victims of Domestic Violence, Other Crime Victims, and Others Who Require Police or Emergency Services HUD: Quid Pro Quo and Hostile Environment Harassment and Liability for Discriminatory Housing Practices under the Fair Housing Act. S.3219, Housing Accountability Act of 2016, all provisions

Client expense: $490,000 · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Postal Service (USPS)

GSE Reform: Proposals to ensure liquidity in multifamily mortgage market in a post Fannie Mae / Freddie Mac environment Public Proposals for the Future of the Housing Finance System H.R.1491, Partnership to Strengthen Homeownership Act of 2015 H.R. 2243, the Equity in Government Compensation Act of 2015, all provisions S. 2038, Jumpstart GSE Reform Act, all provisions S. 1484, Financial Regulatory Improvement Act of 2015, TITLE VII-Taxpayer Protections and Market Access for Mortgage Finance, provisions relating to multifamily housing finance. H.R. 2767 Protecting American Taxpayers and Homeowners Act, all provisions, from the 113th Congress. FHFA: Federal Housing Finance Agency (FHFA) 2016 multifamily lending caps for Government Sponsored Enterprises

Client expense: $490,000 · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Postal Service (USPS)

H.R. 1491; S. 1679; H.R. 2901; S. 2038 - Discussed home mortgage loan modifications, foreclosures, servicing, and refinancing; discussed housing finance reform and related issues; discussed flood insurance and related issues.

Client expense: $650,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 101, Home Foreclosure Reduction Act of 2015 H.R. 189, Service member Foreclosure Protections Extension Act of 2015 H.R. 190, Making Service member Foreclosure Protections Permanent Act H.R. 233, Tenant Income Verification Relief Act of 2015 H.R. 574, To prohibit contributions by Fannie Mae and Freddie Mac to the Housing Trust Fund and the Capital Market Fund while such enterprises are in conservatorship or receivership, and for other purposes H.R. 576, To amend the definition of "homeless person" under the McKinney-Vento Homeless Assistance Act to include certain homeless children and youth, and for other purposes H.R. 1001, To amend the Internal Revenue Code of 1986 to terminate certain energy tax subsidies and lower the corporate income tax rate H.R. 1297, To amend the Robert T. Stafford Disaster Relief and Emergency Assistance Act to provide assistance for housing cooperatives damaged by a major disaster, to provide relief to homeowners affected by major disasters who have mortgages insured by the FHA or owned or guaranteed by Fannie Mae or Freddie Mac, and for other purposes H.R. 1354, Permanently Protecting Tenants at Foreclosure Act of 2015 H.R. 1491, Partnership to Strengthen Homeownership Act of 2015 H.R. 1577, Fannie Mae and Freddie Mac Transparency Act of 2015 S. 65, Moving to Work Charter Program Act of 2015 S. 256, Homeless Children and Youth Act of 2015 S. 351, A bill to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt 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. 730, Permanently Protecting Tenants at Foreclosure Act of 2015 S.752, A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit

Client expense: $137,712 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Housing/GSE reform, mortgage insurance, housing issues H.R. 1491 and S. 1484, the Financial Regulatory Improvement Act of 2015, Title CII, provisions related to mortgage reform and H.R. 2029, the Consolidated Appropriations Act of 2016.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Housing/GSE reform, mortgage insurance, housing issues H.R. 1491 and S. 1484, the Financial Regulatory Improvement Act of 2015, Title CII, provisions related to mortgage reform and H.R. 2029, the Consolidated Appropriations Act of 2016.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Credit Availability S1484 - The Financial Regulatory Improvement Act of 2015 Fees and Points in the QM ATR Rules of Dodd-Frank HR685 - Mortgage Choice Act of 2015 Student Loan Debt HR970 - Supporting Academic Freedom through Regulatory Relief Act HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act HR3179 - Empowering Students Through Enhanced Financial Counseling Act HR3180 - Flexible Pell Grant for 21st Century Students Act HR4162 - Credit Access and Inclusion Act of 2015 HR4652 - CLEAR Act S85 - Repay Act of 2015 S108 - Financial Aid Simplification and Transparency Act of 2015 S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights S1948 - AFFORD Act S2043 - Know Before You Owe Federal Student Loan Act of 2015 S2677 - In the Red Act of 2016 Credit Union Lending HR1188 - Credit Union Small Business Job Creations Act CFPB Reform HR1266 - Financial Product Safety Commission Act of 2015 S510 - CFPB-IG Act of 2015 Access to Manufactured Housing HR650 - Preserving Access to Manufactured Housing Act of 2015 S682 - Preserving Access to Manufactured Housing Act of 2015 GSE Reform HR22 - DRIVE Act HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR2029 - Consolidated Appropriations Act, 2016 HR4913 - Housing Finance Restructuring Act of 2016 HR__ - Moving Housing Forward Act S2038 - Jumpstart GSE Reform Act Guarantee Fees S752 - A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. HConRes125 - Establishing the congressional budget for the United States Government for fiscal year 2017 and setting forth the appropriate budgetary levels for fiscal years 2018 through 2026. RESPA/TILA Amendments/TRID HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access Act HR3192 - Homebuyers Assistance Act S1711 - 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. Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Alternative Credit Scoring HR3035 - Credit Access and Inclusion Act of 2015 HR4211 - Credit Score Competition Act of 2015 HR4893 - Risk Management and Homeowner Stability Act of 2016 S2355 - Credit Access and Inclusion Act of 2015 Service Members Foreclosure Relief S2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 Commercial Risk Retention Rules HR4620 - Preserving Access to CRE Capital Act of 2016 FHFA HR3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. Financial Regulatory Reform HR1090 - Retail Investor Protection Act HR2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 S1484 - Financial Regulatory Improvement Act of 2015 S1491 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 HR__ - The Financial Choice Act Credit Reporting HR347 - The Facilitating Access to Credit Act HR5282 - The Comprehensive Consumer Credit Reporting Act of 2016 Federal Home Loan Bank HR__ - To amend the Federal Home Loan Bank Act to clarify the definition of an insurance company and to provide Federal Home Loan Bank membership standards for certain captive insurance companies Alternative Lending Sources HR4854 - Supporting America's Innovators Act of 2016 HR4855 - Fix Crowdfunding Act Zombie Foreclosures S3146 - Preserving Abandoned Foreclosures and Preserving Communities Act of 2016 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID/Know Before You Owe. Discussions with the Federal Housing Finance Agency (FHFA) on credit availability, appraisal issues, appraisal management companies (AMCs), GSE reform, and risk-sharing. Discussions with the Small Business Administration to discuss small business lending programs. Discussions with the Treasury on anti-money laundering and credit availability. Conversations with the Office of the Comptroller of the Currency (OCC) on appraisal issues, AMCs. Discussions with the Securities and Exchange Commission (SEC) on JOBS Act Rulemaking. Discussions with the Federal Reserve on appraisal issues, AMCs. Discussions with the Federal Deposit Insurance Corporation (FDIC) on appraisal issues, AMCs.

Client expense: $23,800,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Energy, Dept of, Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Telecommunications & Information Administration (NTIA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, U.S. Forest Service, Veterans Affairs, Dept of (VA), White House Office

H.R. 1491 and S. 495, GSE reform legislation; and S. 1484, financial institutions regulatory relief legislation.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1491 and S. 495, GSE reform legislation; and S. 1484, financial institutions regulatory relief legislation.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-517) concerning the transparency and data gathering requirements of the Office of Financial Research (Title I, Subtitle B); the Bureau of Consumer Financial Protection (Title X); and Subtitle D of Title IX -- Improvements to the Asset-Backed Securitization Process. S. 2038, S. 1484, HR. 2642, HR. 1491, the Financial Choice Act, FHFA, CFPB (HMDA), and the New York Federal Reserve Board and the Uniform Law Commission proposals as they pertain to loan identifiers and electronic registration of mortgages, notes, titles and liens.

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

Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L.111-517)concerning the transparency and data gathering requirements of the Office of Financial Research (Title 1,Subtitle B); the Bureau of Consumer Financial Protection (Title X); and Subtitle D of Title IX -- Improvements to the Asset-Backed Securitization Process.S.2038, S.1484, HR.2642, HR.1491, FHFA, CFPB (HMDA) and the New York Federal Reserve Board and the Uniform Law Commission proposals as they pertain to loan identifiers and electronic registration of mortgages, notes, titles and liens.

Client expense: Not reported · Firm income: $5,000

Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-517) concerning the transparency and data gathering requirements of the Office of Financial Research (Title I, Subtitle B); the Bureau of Consumer Financial Protection (Title X); and Subtitle D of Title IX -- Improvements to the Asset-Backed Securitization Process. S. 2038, S. 1484, HR. 2642, HR. 1491, the Financial Choice Act, FHFA, CFPB (HMDA), and the New York Federal Reserve Board and the Uniform Law Commission proposals as they pertain to loan identifiers and electronic registration of mortgages, notes, titles and liens.

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

Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-517) concerning the transparency and data gathering requirements of the Office of Financial Research (Title I, Subtitle B); the Bureau of Consumer Financial Protection (Title X); and Subtitle D of Title IX -- Improvements to the Asset-Backed Securitization Process. S. 2038, S. 1484, HR. 2642, HR. 1491, the Financial Choice Act, FHFA, CFPB (HMDA), and the New York Federal Reserve Board and the Uniform Law Commission proposals as they pertain to loan identifiers and electronic registration of mortgages, notes, titles and liens.

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

H.R. 37 (Promoting Job Creation and Reducing Small Business Burdens Act); H.R. 1491 (Partnership to Strengthen Homeownership Act of 2015); H.R. 1550 (Financial Stability Oversight Council Improvement Act of 2015); H.R. 2209 (To require the appropriate Federal banking agencies to treat certain municipal obligations as level 2A liquid assets, and for other purposes); H.R. 2947 (Financial Institution Bankruptcy Act); H.R. 4096 (Investor Clarity and Bank Parity Act); Dodd-Frank Wall Street Reform and Consumer Protection Act Implementation; Housing finance issues (General); Equity market structure issues; Fixed income market structure; Liquidity coverage ratio for municipal bonds; Single Security/Common Securitization Platform (Federal Housing Finance Agency); Federal Reserve Total Loss Absorbing Capacity (TLAC) proposal; Federal Reserve G-SIB capital surcharge; Federal Reserve liquidity coverage ratio (LCR)/net stable funding ratio (NSFR); Section 956 of the Dodd-Frank Act; Fixed Income Investments Liquidity; China banking regulation; GSE risk transfer; Municipal Finance Caucus; Volcker Rule Illiquid Funds.

Client expense: $1,560,000 · Firm income: Not reported

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

H.R. 1491; S. 1679; H.R. 2901; S. 2038 - Discussed home mortgage loan modifications, foreclosures, servicing, and refinancing; discussed housing finance reform and related issues; discussed flood insurance and related issues.

Client expense: $780,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

S. 1484, Financial Regulatory Improvement Act of 2015, sections 106, 107, 701, 702, 703, 704, 705, and 706; Issues relating to housing finance reform - general; Issues relating to FHFA guarantee fee, common securitization platform and the GSE single security; Issues relating to FHA quality control systems, certification and servicing policies; H.R. 1491, Partnership to Strengthen Homeownership Act of 2015, all provisions; Issues relating to VA home lending; Issues relating to the Uniform Residential Loan Application.

Client expense: $1,120,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, Risk Management Agency, SENATE, Treasury, Dept of

GSE Reform: Proposals to ensure liquidity in multifamily mortgage market in a post Fannie Mae / Freddie Mac environment Public Proposals for the Future of the Housing Finance System H.R.1491, Partnership to Strengthen Homeownership Act of 2015 S. 2038, Jumpstart GSE Reform Act, all provisions SEC: Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of a Proposed Rule Change To Amend FINRA Rule 4210 (Margin Requirements) To Establish Margin Requirements for the TBA Market FHFA: Federal Housing Finance Agency (FHFA) 2016 Scorecard multifamily FHFA: Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Macs regulator, released draft Duty to Serve guidance H.R. 2767 Protecting American Taxpayers and Homeowners Act, all provisions, from the 113th Congress. FHFA Comments: Commented on the Federal Housing Finance Agency (FHFA) multifamily production cap on the Government-Sponsored Enterprises (GSEs), Fannie Mae and Freddie Mac House Financial Services Proposal Financial Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs (CHOICE) Act

Client expense: $800,000 · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Bureau of Economic Analysis, Congressional Budget Office (CBO), Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Postal Service (USPS)

Balanced Housing Policy Section 8 Reform Project -Based Voucher Programs Federal Affordable Housing Programs Federal Affordable Housing Energy Savings Programs H. R. 233, the Tenant Income Verification Relief Act of 2015 all provisions Fair Housing/Disparate Impact Rural Housing Issues H.R. 4909 and S. 2945 National Defense Authorization Act (NDAA) for Fiscal Year 2017 (Personnel, Family Housing) H.R. 5540, Military Infrastructure Consolidation and Efficiency Act of 2016 FAA One Engine Inoperative Policy H.R. 4441, Aviation Innovation, Reform and Reauthorization Act of 2016 (FAA Reauthorization Act) H.R.365, To direct the Secretary of Transportation to conduct a notice and comment rulemaking before implementing certain policies relating to obstruction evaluation aeronautical studies, and for other purposes. H.R. 1491- Partnership to Strengthen Homeownership Act Housing Finance Proposals House Financial Services Proposal Financial Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs (CHOICE) Act. HUD Final Rule: Implementation of the Fair Housing Acts Discrimination Effects HUD Fair Market Rents/Small Area Fair Rent Issues HUD Notice: Small Area Fair Market Rents, Establishing a More Effective Fair Market Rent System; Using Small Area Fair Market Rents in Housing Choice Voucher Program Instead of the Current 50th Percentile FMRs HUD Notice: Narrowing the Digital Divide Through Installation of Broadband Infrastructure in HUD-Funded New Construction and Substantial Rehabilitation of Multifamily Rental Housing HUD Fiscal Year 20165 Area Median Income Limits (AMIs) HUD Multifamily Transformation Initiative HUD Small Multifamily Building Programs Rental Assistance Demonstration Program FHA Multifamily Programs GSE Reform: Proposals to ensure liquidity in multifamily mortgage market in a post Fannie Mae / Freddie Mac environment FY 2017 Housing Appropriations - House and Senate: Commerce, Justice, Science and Related Agencies Appropriations Transportation, Housing, and Urban Development, and Related Agencies Act Appropriations Department of Defense Appropriations Military Construction and Veterans Affairs and Related Agencies Appropriations Agriculture Appropriations bill, Rural Housing Service (RHS), Housing issues, Appropriations Departments of Labor, Health and Human Services, and Education, and Related Agencies Appropriations - Appropriations for HOME Investment Partnerships (HOME) program funding as it relates to the Low Income Housing Tax Credit Program - Cybersecurity Act of 2015 Omnibus, all provisions (the Act) FY2017Budget House and Senate: - Funding for the U.S. Census Bureau- Census/American Community Survey -F unding for the U.S. Bureau of Labor Statistics-data on labor, employment, American productivity statistics and information on economy and workforce funding - Funding for the U.S. Geological Survey Funding for mapping. Is this FEMA money? - Funding for Housing - Transportation Housing Urban Development - HUD: Fair Market Rents - H.R. 3700, the Housing Opportunity Through Modernization Act of 2015, all provisions - S. 3083, The Housing Opportunity Through Modernization Act, all provisions - Rural Housing Issues: United States Department of Agriculture (USDA) Rural Housing Rental Assistance Agreements related to the funding. Section 521 issues - HUD: Affirmatively Furthering Fair Housing - FHFA Comments: Commented on the Federal Housing Finance Agency (FHFA) multifamily production cap on the Government-Sponsored Enterprises (GSEs), Fannie Mae and Freddie Mac -S. 2038, Jumpstart GSE Reform Act, all provisions -Proposals to expand the availability of affordable and workforce housing Portman - This bill amends the Administrative Procedure Act to revise requirements for federal agency rulemaking by requiring agencies, in making a rule, to consider: (1) the legal authority under which a rule may be proposed, including whether rulemaking is required by statute or is within the discretion of the agency; (2) the nature and significance of the problem the agency intends to address with a rule; (3) whether existing federal laws or rules have created or contributed to the problem; (4) reasonable alternatives for a new rule; and (5) for any major rule or high-impact rule (generally defined as rules having an annual cost to the economy of $100 million or $1 billion or more, respectively), the potential costs and benefits associated with potential alternative rules. -Reviewed proposals for the sharing economy H.R.2205/S.961 - Data Security Act of 2015, all provisions H.R. 3765, ADA Education and Reform Act of 2015 SEC: Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of a Proposed Rule Change To Amend FINRA Rule 4210 (Margin Requirements) To Establish Margin Requirements for the TBA Market FEMA/HUD: Reducing Flood Risk to Residential Buildings That Cannot Be Elevated FEMA P-1037 / September 2015 FHFA: Federal Housing Finance Agency (FHFA) 2016 Scorecard multifamily FHFA: Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Macs regulator Duty to Serve guidance HUD: Bed Bug Policy House Financial Services Committee: H.R. 2901/S. 1679, the Flood Insurance Market Parity and Modernization Act HUD: Federal Housing Administration (FHA) multifamily mortgage insurance rates in order to spur the financing of affordable housing and energy-efficient apartments. HUD: Median zip code rents Limited English Proficiency housing finance.

Client expense: $800,000 · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Bureau of Economic Analysis, Congressional Budget Office (CBO), Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Postal Service (USPS)

Housing/GSE reform, mortgage insurance, housing issues H.R. 1491 and S. 1484, the Financial Regulatory Improvement Act of 2015, Title CII, provisions related to mortgage reform and H.R. 2029, the Consolidated Appropriations Act of 2016.

Client expense: $130,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Housing/GSE reform, mortgage insurance, housing issues H.R. 1491 and S. 1484, the Financial Regulatory Improvement Act of 2015, Title CII, provisions related to mortgage reform and H.R. 2029, the Consolidated Appropriations Act of 2016.

Client expense: $130,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Policy issues pertaining to mortgage insurance, government-sponsored entities, and the housing finance market, including S. 1484 and H.R. 1491.

Client expense: Not reported · Firm income: $180,000

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

Policy issues pertaining to mortgage insurance, government-sponsored entities, and the housing finance market, including S. 1484 and H.R. 1491.

Client expense: Not reported · Firm income: $180,000

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

Policy issues pertaining to mortgage insurance, government-sponsored entities, and the housing finance market, including S. 1484 and H.R. 1491.

Client expense: Not reported · Firm income: $180,000

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1491 and S. 495, GSE reform legislation; and S. 1484, financial institutions regulatory relief legislation.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE