Mutual Bank Capital Opportunity Act of 2015

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 766 Financial Institution Customer Protection Act H.R. 1113 Portfolio Lending and Mortgage Access Act H.R. 1188 Credit Union Small Business Jobs Creation Act H.R. 1195 The Bureau of Consumer Financial Protection Small Business Advisory Board Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1233 CLEAR Relief Act H.R. 1334 Holding Company Registration Threshold Equalization Act of 2015 H.R. 1523 Community Bank Access to Capital Act H.R. 1529 The Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act H.R. 1660 The Federal Savings Association Charter Flexibility Act H.R. 1661 Mutual Bank Capital Opportunity Act H.R. 1766 Right to Lend Act of 2015 H.R. 2205 Data Security Act of 2015 H.R. 2896 Tailor Act of 2015 H.R. 2987 Community Bank Capital Clarification Act H.R. 3791 A bill to increase Small Bank Holding Policy Statement threshold from $1B to $5B in assets H.R. 4099 CFPB Exam and Reporting Threshold Act H.R. 4116 To amend the Federal Deposit Insurance Act to ensure that reciprocal deposits are not considered to be funds obtained by or through a deposit broker H.R. 4500 The Community Bank Reporting Relief Act H.R. 4909 National Defense Authorization Act of 2017 H.R. 4997 The Home Mortgage Disclosure Adjustment Act H.R. 5076 Main Street Parity Act H.R. 5465 To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes. H.R. 5485 Financial Services and General Government Appropriations Act of 2017 H.R. 5724 The Protecting Consumers Access to Credit Act of 2016 H.R. 5808 EGRPRA Review Frequency H.R. 5983 The Financial CHOICE Act S. 812 The CLEAR Relief Act S. 927 CLEAR Relief Plus Act S. 961 Data Security Act of 2015 S. 970 18-Month Exam Cycle S. 1484 Financial Regulatory Improvement Act S. 1491 Community Lender Regulatory Relief and Consumer Protection Act S. 1816 Community Bank Access to Capital Act S. 2471 401 (Kids) Education Savings Account Act of 2016 S. 2722 Federal Savings Association Charter Flexibility Act - all provisions S. 2943 National Defense Authorization Act of 2017 S. 2992 Small Business Lending Oversight Act S. 3067 Financial Services and General Government Appropriations Act of 2017 S. 3153 The Tailor Act. S. 3215 To amend the Home Mortgage Disclosure Act of 1975 to specify which depository institutions are subject to the maintenance of records and disclosure requirements of such Act, and for other purposes S. 3373 A bill to amend the Federal Deposit Insurance Act to ensure that the reciprocal deposits of an insured depository institution are not considered to be funds obtained by or through a deposit broker, and for other purposes S. 3404 A bill to amend the Federal Deposit Insurance Act to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets, and for other purposes Call Report Streamlining Capital Access for Community Banks Capital Rules--Basel III CFPB Data Collection CFPB Overdraft CFPB Reforms/Governance CFPB Small Business Data Collection CFPB Small Dollar/Payday Lending Credit Union Business Lending Powers Credit Union Field of Membership Cybersecurity - Information Sharing Data Security and Breaches De Novo Bank Applications Department of Justice Operation Chokepoint Durbin Debit Interchange and Routing Amendment EMV Chip Migration Escrow Mortgage Requirements FASB Accounting Rules for Loan Loss Reserves Faster Payments Federal Reserve Reform Fintech Limited Bank Charter Flood Insurance Reform Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Innovation Initiative (FinTech) Interchange Military Bank Leases Military Lending Act Rules Mortgage Lending Reform Mutual Banks Nominations of Allan Landon and Kathryn Dominguez to the Board of Governors of the Federal Reserve System Online/Marketplace Lending Qualified Mortgages, Ability to Repay Rules Regulatory Burden for Community Banks Regulatory and Tax Relief for Community Banks SBA 7(a) Lending Limit Small Bank Holding Company Policy Statement TILA/RESPA Integrated Disclosures Implementation Too Big To Fail Virtual Currency Wells Fargo Account Opening Fraud

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

S. 774, the Financial Institutions Examination Fairness and Reform Act (to improve the examination process). H.R. 1661, the Mutual Bank Capital Opportunity Act H.R. 1309, the Systemic Risk Designation Improvement Act of 2015 H.R. 1941, the Financial Institutions Examination Fairness and Reform Act S. 970, to allow more small insured depository institutions to qualify for the 18-month on-site exam cycle H.R. 1090, the Retail Investor Protection Act H.R. 1839, the RAISE Act of 2015 H.R. 4166, the Expanding Proven Financing for American Employers Act

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

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

H.R. 766 Financial Institution Customer Protection Act H.R. 1113 Portfolio Lending and Mortgage Access Act H.R. 1188 Credit Union Small Business Jobs Creation Act H.R. 1195 The Bureau of Consumer Financial Protection Small Business Advisory Board Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1233 CLEAR Relief Act H.R. 1334 Holding Company Registration Threshold Equalization Act of 2015 H.R. 1486 The Taking Account of Bureaucrat's Spending Act H.R. 1523 Community Bank Access to Capital Act H.R. 1529 The Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act H.R. 1660 The Federal Savings Association Charter Flexibility Act H.R. 1661 Mutual Bank Capital Opportunity Act H.R. 1766 Right to Lend Act of 2015 H.R. 2205 Data Security Act of 2015 H.R. 2896 Tailor Act of 2015 H.R. 2987 Community Bank Capital Clarification Act H.R. 3705 Financial Regulatory Clarity Act of 2015 H.R. 3791 A bill to increase Small Bank Holding Policy Statement threshold from $1B to $5B in assets H.R. 4099 CFPB Exam and Reporting Threshold Act H.R. 4116 To amend the Federal Deposit Insurance Act to ensure that reciprocal deposits are not considered to be funds obtained by or through a deposit broker H.R. 4500 The Community Bank Reporting Relief Act H.R. 4950 Small Financial Institution Advisory Committees Act of 2016 H.R. 4993 Homeowner Information Privacy Protection Act H.R. 4997 The Home Mortgage Disclosure Adjustment Act H.R. 5027 To amend the Federal Reserve Act to adjust the circumstances under which Federal reserve bank stock is callable, and for other purposes. H.R. 5076 Main Street Parity Act H.R. 5465 To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes. H.R. 5485 Financial Services and General Government Appropriations Act of 2017 S. 482 CFPB Exam and Reporting Threshold Act S. 774 Financial Institutions and Exam Fairness Reform S. 812 The CLEAR Relief Act S. 927 CLEAR Relief Plus Act S. 961 Data Security Act of 2015 S. 970 18-Month Exam Cycle S. 1484 Financial Regulatory Improvement Act S. 1491 Community Lender Regulatory Relief and Consumer Protection Act S. 1816 Community Bank Access to Capital Act S. 2471 401 (Kids) Education Savings Account Act of 2016 S. 2722 Federal Savings Association Charter Flexibility Act - all provisions S. 2790 Financial Institutions Customer Protection Act S. 2943 National Defense Authorization Act of 2017 S. 2992 Small Business Lending Oversight Act S. 3067 Financial Services and General Government Appropriations Act of 2017 Call Report Streamlining Capital Access for Community Banks Capital Rules--Basel III CFPB Data Collection CFPB Overdraft CFPB Reforms/Governance CFPB Small Business Data Collection CFPB Small Dollar/Payday Lending Credit Union Business Lending Powers Credit Union Field of Membership Cybersecurity - Information Sharing Data Security and Breaches De Novo Bank Applications Department of Justice Operation Chokepoint EMV Chip Migration Escrow Mortgage Requirements FASB Accounting Rules for Loan Loss Reserves Faster Payments FDIC Small Bank Assessments Federal Reserve Reform Flood Insurance Reform Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Innovation Initiative (FinTech) Interchange Military Bank Leases Military Lending Act Rules Mortgage Lending Reform Mutual Banks Nomination of Amias Gerety as Treasury Asst Sec for Financial Institutions Nominations of Allan Landon and Kathryn Dominguez to the Board of Governors of the Federal Reserve System Online/Marketplace Lending Qualified Mortgages, Ability to Repay Rules Regulatory Burden for Community Banks Regulatory and Tax Relief for Community Banks Repeal of Durbin Amendment SBA 7(a) Lending Limit Small Bank Holding Company Policy Statement TILA/RESPA Integrated Disclosures Implementation Too Big To Fail Virtual Currency

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

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

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

S. 774, the Financial Institutions Examination Fairness and Reform Act (to improve the examination process). H.R. 1661, the Mutual Bank Capital Opportunity Act H.R. 1309, the Systemic Risk Designation Improvement Act of 2015 H.R. 1941, the Financial Institutions Examination Fairness and Reform Act S. 970, to allow more small insured depository institutions to qualify for the 18-month on-site exam cycle H.R. 1090, the Retail Investor Protection Act H.R. 1839, the RAISE Act of 2015 H.R. 4166, the Expanding Proven Financing for American Employers Act

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

H.R. 766 Financial Institution Customer Protection Act H.R. 957 The CFPB -IG Act H.R. 1113 Portfolio Lending and Mortgage Access Act H.R. 1188 Credit Union Small Business Jobs Creation Act H.R. 1195 The Bureau of Consumer Financial Protection Small Business Advisory Board Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1233 CLEAR Relief Act H.R. 1334 Holding Company Registration Threshold Equalization Act of 2015 H.R. 1408 The Community Bank Mortgage Servicing Asset Capital Requirements Study Act H.R. 1422 CU Residential Loan Parity Act H.R. 1523 Community Bank Access to Capital Act H.R. 1529 The Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act H.R. 1660 The Federal Savings Association Charter Flexibility Act H.R. 1661 Mutual Bank Capital Opportunity Act H.R. 1766 Right to Lend Act of 2015 H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2029 Consolidated Appropriations Act H.R. 2205 Data Security Act of 2015 H.R. 2213 TRID Safe Harbor Protection H.R. 2896 Tailor Act of 2015 H.R. 2987 Community Bank Capital Clarification Act H.R. 3705 Financial Regulatory Clarity Act of 2015 H.R. 3791 A bill to increase Small Bank Holding Policy Statement threshold from $1B to $5B in assets H.R. 4099 CFPB Exam and Reporting Threshold Act H.R. 4116 To amend the Federal Deposit Insurance Act to ensure that reciprocal deposits are not considered to be funds obtained by or through a deposit broker H.R. 4500 The Community Bank Reporting Relief Act S. 482 CFPB Exam and Reporting Threshold Act S. 774 Financial Institutions and Exam Fairness Reform S. 812 The CLEAR Relief Act S.961 Data Security Act of 2015 S. 927 CLEAR Relief Plus Act S. 970 18-Month Exam Cycle S. 1484 Financial Regulatory Improvement Act S. 1491 Community Lender Regulatory Relief and Consumer Protection Act S. 1711 TRID Safe Harbor Protection S. 1816 Community Bank Access to Capital Act S. 2471 401 (Kids) Education Savings Account Act of 2016 S. 2722 Federal Savings Association Charter Flexibility Act - all provisions Call Report Streamlining Capital Access for Community Banks Capital Rules--Basel III Capital Rules--Treatment of Equity Investment Securities CFPB Data Collection CFPB Overdraft CFPB Reforms/Governance CFPB Small Business Data Collection CFPB Small Dollar/Payday Lending Credit Union Business Lending Powers Credit Union Field of Membership Cybersecurity - Information Sharing Data Security and Breaches De Novo Bank Applications Department of Justice Operation Chokepoint EMV Chip Migration Escrow Mortgage Requirements FASB Accounting Rules for Loan Loss Reserves Faster Payments FDIC Small Bank Assessments Federal Reserve Reform Flood Insurance Reform Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Innovation Initiative (FinTech) Interchange Military Bank Leases Military Lending Act Rules Mortgage Lending Reform Mutual Banks NCUA Proposed Rule to Extend Member Business Lending, Commercial Lending, Part 72B Nomination of Amias Gerety as Treasury Asst Sec for Financial Institutions Nominations of Allan Landon and Kathryn Dominguez to the Board of Governors of the Federal Reserve System Online/Marketplace Lending Providing Opportunities for Savings, Transactions and Lending Act Qualified Mortgages, Ability to Repay Rules Regulatory Burden for Community Banks Regulatory and Tax Relief for Community Banks Repeal of Durbin Amendment SBA 7(a) Lending Limit Small Bank Holding Company Policy Statement TILA/RESPA Integrated Disclosures Implementation Too Big To Fail Virtual Currency

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

S. 774, the Financial Institutions Examination Fairness and Reform Act (to improve the examination process). H.R. 1661, the Mutual Bank Capital Opportunity Act H.R. 1309, the Systemic Risk Designation Improvement Act of 2015 H.R. 1941, the Financial Institutions Examination Fairness and Reform Act S. 970, to allow more small insured depository institutions to qualify for the 18-month on-site exam cycle H.R. 1090, the Retail Investor Protection Act H.R. 1839, the RAISE Act of 2015

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

H.R. 22 Developing a Reliable and Innovating Vision for the Economy -Section 52203 (Fed dividend pay for) H.R. 601 Eliminate Privacy Notice Confusion Act H.R. 766 Financial Institution Customer Protection Act H.R. 888 Subsidy Reserve Act H.R. 957 The CFPB -IG Act H.R. 1113 Portfolio Lending and Mortgage Access Act H.R. 1188 Credit Union Small Business Jobs Creation Act H.R. 1195 The Bureau of Consumer Financial Protection Small Business Advisory Board Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1233 CLEAR Relief Act H.R. 1259 The HELP Rural Communities Act H.R. 1266 The Financial Products Safety Commission Act H.R. 1334 Holding Company Registration Threshold Equalization Act of 2015 H.R. 1408 The Community Bank Mortgage Servicing Asset Capital Requirements Study Act H.R. 1422 CU Residential Loan Parity Act H.R. 1523 Community Bank Access to Capital Act H.R. 1529 The Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act H.R. 1660 The Federal Savings Association Charter Flexibility Act H.R. 1661 Mutual Bank Capital Opportunity Act H.R. 1737 The Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1766 Right to Lend Act of 2015 H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2029 Consolidated Appropriations Act H.R. 2205 Data Security Act of 2015 H.R. 2213 TRID Safe Harbor Protection 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. 2896 Tailor Act of 2015 H.R. 2995 FY 2016 Financial Services Approps Bill - Opposed Amendment to Offer HR 1188 Bill H.R. 2987 Community Bank Capital Clarification Act H.R. 3038 Highway and Transportation Funding Act of 2015 (section 2003) H.R. 3048 Community Financial Institution Exemption Act H.R. 3236 Care Choice Improvement Act of 2015 (Highway Trust Fund Act) H.R. 3705 Financial Regulatory Clarity Act of 2015 H.R. 3791 A bill to increase Small Bank Holding Policy Statement threshold from $1B to $5B in assets H.R. 3808 To require the withdrawal and study of the Federal Housing Finance Agencys proposed rule on Federal Home Loan Bank membership H.R. 4116 To amend the Federal Deposit Insurance Act to ensure that the reciprocal deposits are not considered to be funds obtained by or through a deposit broker S. 423 Privacy Notice Modernization Act S. 482 CFPB Exam and Reporting Threshold Act S. 754 Cybersecurity Information Sharing Act of 2015 S. 774 Financial Institutions and Exam Fairness Reform S. 812 The CLEAR Relief Act S. 871 HELP Rural Communities Act S.961 Data Security Act of 2015 S. 927 CLEAR Relief Plus Act S. 970 18-Month Exam Cycle S. 1484 Financial Regulatory Improvement Act S. 1491 Community Lender Regulatory Relief and Consumer Protection Act S. 1647 Developing a Reliable and Innovative Vision for the Economy Act - Fed Reserve Dividend S. 1711 TRID Safe Harbor Protection S. 1816 Community Bank Access to Capital Act S. 1974 The Relationship Lending Preservation Act Appraisal Exemption Basel III/Capital Access Call Report Burden CFPB Data Collection CFPB Overdraft CFPB Reforms/Governance CFPB Small Business Data Collection CFPB Small Dollar/Payday Lending Congressional Payments Technology Caucus Credit Union Business Lending Powers Cybersecurity - Information Sharing Data Security and Breaches De Novo Bank Applications Department of Justice Operation Chokepoint Escrow Mortgage Requirements FASB Accounting Rules for Loan Loss Reserves Faster Payments FDIC Small Bank Assessments Federal Reserve Reform Federal Home Loan Bank Membership Rules Home Mortgage Disclosure Act (HMDA) Regulations House Payments Innovation Caucus Housing Finance Reform Military Lending Act Rules Mortgage Lending Reform Mutual Banks NCUA Proposed Rule to Extend Member Business Lending, Commercial Lending, Part 72B Online/Marketplace Lending Qualified Mortgages, Ability to Repay Rules Reduction in Dividend Rate on Federal Reserve Stock Regulatory Burden for Community Banks Regulatory and Tax Relief for Community Banks SBA 7(a) Lending Limit Senate Payments Innovation Caucus Small Bank Holding Company Policy Statement TILA/RESPA Integrated Disclosures Implementation Too Big To Fail Virtual Currency

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

S. 774, the Financial Institutions Examination Fairness and Reform Act (to improve the examination process). H.R. 1661, the Mutual Bank Capital Opportunity Act H.R. 1309, the Systemic Risk Designation Improvement Act of 2015 H.R. 1941, the Financial Institutions Examination Fairness and Reform Act S. 970, to allow more small insured depository institutions to qualify for the 18-month on-site exam cycle H.R. 1090, the Retail Investor Protection Act H.R. 1839, the RAISE Act of 2015

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

H.R. 22 Developing a Reliable and Innovating Vision for the Economy -Section 52203 (Fed dividend pay for) H.R. 601 Eliminate Privacy Notice Confusion Act H.R. 766 Financial Institution Customer Protection Act H.R. 888 Subsidy Reserve Act H.R. 957 The CFPB -IG Act H.R. 1090 The Retail Investor Protection Act H.R. 1113 Portfolio Lending and Mortgage Access Act H.R. 1188 Credit Union Small Business Jobs Creation Act H.R. 1195 The Bureau of Consumer Financial Protection Small Business Advisory Board Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1233 CLEAR Relief Act H.R. 1259 The HELP Rural Communities Act H.R. 1266 The Financial Products Safety Commission Act H.R. 1334 Holding Company Registration Threshold Equalization Act of 2015 H.R. 1389 American Jobs and Community Revitalization Act H.R. 1408 The Community Bank Mortgage Servicing Asset Capital Requirements Study Act H.R. 1422 CU Residential Loan Parity Act H.R. 1523 Community Bank Access to Capital Act H.R. 1529 The Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act H.R. 1660 The Federal Savings Association Charter Flexibility Act H.R. 1661 Mutual Bank Capital Opportunity Act H.R. 1737 The Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1766 Right to Lend Act of 2015 H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 1974 Relationship Lending Preservation Act H.R. 2205 Data Security Act of 2015 H.R. 2213 TRID Safe Harbor Protection H.R. 2896 Tailor Act of 2015 H.R. 2995 FY 2016 Financial Services Approps Bill - Opposed Amendment to Offer HR 1188 Bill H.R. 2987 Community Bank Capital Clarification Act H.R. 3038 Highway and Transportation Funding Act of 2015 (section 2003) H.R. 3048 Community Financial Institution Exemption Act H.R. 3192 Homebuyers Assistance Act H.R. 3236 Care Choice Improvement Act of 2015 (Highway Trust Fund Act) S. 423 Privacy Notice Modernization Act S. 482 CFPB Exam and Reporting Threshold Act S. 754 Cybersecurity Information Sharing Act of 2015 S. 774 Financial Institutions and Exam Fairness Reform S. 812 The CLEAR Relief Act S. 871 HELP Rural Communities Act 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 (EGRPRA) S.961 Data Security Act of 2015 S. 966 Commercial Real Estate and Economic Development Act S. 927 CLEAR Relief Plus Act S. 970 18-Month Exam Cycle S. 1484 Financial Regulatory Improvement Act S. 1491 Community Lender Regulatory Relief and Consumer Protection Act S. 1647 Highway Transportation - Fed Reserve Dividend S. 1711 TRID Safe Harbor Protection S. 1816 Community Bank Access to Capital Act S. 1963 Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 1974 The Relationship Lending Preservation Act Appraisal Exemption Basel III/Capital Access Call Report Burden CFPB Data Collection CFPB Reforms/Governance CFPB Small Business Data Collection CFPB Small Dollar/Payday Lending Congressional Payments Technology Caucus Credit Union Business Lending Powers Cybersecurity - Information Sharing Data Security and Breaches De Novo Bank Applications Department of Justice Operation Chokepoint Escrow Mortgage Requirements Fair Lending/Disparate Impact FASB Accounting Rules for Loan Loss Reserves Faster Payments FDIC Small Bank Assessments Federal Reserve Reform Federal Home Loan Bank Membership Rules Flood Insurance Reform Implementation of Biggert-Waters Act Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Military Lending Act Rules Mortgage Escrow Requirements Mortgage Lending Reform Mutual Banks Nomination of Mr. Amias Gerety to serve as Treasury Assistant Secretary for Financial Institutions Online/Marketplace Lending Qualified Mortgages, Ability to Repay Rules Reduction in Dividend Rate on Federal Reserve Stock Regulatory Burden for Community Banks Regulatory and Tax Relief for Community Banks SBA 7(a) Lending Limit Senate Payments Innovation Caucus Small Bank Holding Company Policy Statement Surface Transportation and Veterans Health Telephone Consumer Protection Act Exception Ruling TILA/RESPA Integrated Disclosures Implementation Too Big To Fail Virtual Currency

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

H.R. 601 Eliminate Privacy Notice Confusion Act H.R. 766 Financial Institution Customer Protection Act H.R. 888 Subsidy Reserve Act H.R. 1113 Portfolio Lending and Mortgage Access Act H.R. 1188 Credit Union Small Business Jobs Creation Act H.R. 1195 The Bureau of Consumer Financial Protection Small Business Advisory Board Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1233 CLEAR Relief Act H.R. 1259 The HELP Rural Communities Act H.R. 1266 The Financial Products Safety Commission Act H.R. 1334 Holding Company Registration Threshold Equalization Act of 2015 H.R. 1389 American Jobs and Community Revitalization Act H.R. 1408 The Community Bank Mortgage Servicing Asset Capital Requirements Study Act H.R. 1422 CU Residential Loan Parity Act H.R. 1523 Community Bank Access to Capital Act H.R. 1529 The Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act H.R. 1560 Protecting Cyber Networks Act H.R. 1660 The Federal Savings Association Charter Flexibility Act H.R. 1661 Mutual Bank Capital Opportunity Act H.R. 1731 National Cybersecurity Protection Advancement Act H.R. 1766 Right to Lend Act of 2015 H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2205 Data Security Act of 2015 H.R. 2213 TRID Safe Harbor Protection H.R. 2896 Tailor Act of 2015 H.R. 2995 FY 2016 Financial Services Approps Bill - Opposed Amendment to Offer HR 1188 Bill S. 423 Privacy Notice Modernization Act S. 482 CFPB Exam and Reporting Threshold Act S. 754 Cybersecurity Information Sharing Act of 2015 S. 774 Financial Institutions and Exam Fairness Reform S. 812 The CLEAR Relief Act S. 871 HELP Rural Communities Act 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 (EGRPRA) S.961 Data Security Act of 2015 S. 927 CLEAR Relief Plus Act S. 970 18-Month Exam Cycle S. 1206 TBTF Reform S. 1484 Financial Regulatory Improvement Act S. 1491 Community Lender Regulatory Relief and Consumer Protection Act Access to Capital for Community Banks Appraisal Exemption Basel III/Capital Access Call Report Burden CFPB Data Collection CFPB Mortgage Rate Tool CFPB Reforms/Governance CFTC Reauthorization Amendments Congressional Payments Technology Caucus Credit Union Business Lending Powers Cybersecurity - Information Sharing Data Security and Breaches De Novo Bank Applications Department of Justice Operation Chokepoint Escrow Mortgage Requirements Fair Lending/Disparate Impact FASB Accounting Rules for Loan Loss Reserves Faster Payments Federal Reserve Reform Federal Home Loan Bank Membership Rules Flood Insurance Reform Implementation of Bigger-Waters Act Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Housing Government Sponsored Enterprises Job Act Thrift Fix Military Lending Act Rules Mortgage Escrow Requirements Mortgage Lending Reform Mortgage Servicing Standards Mutual Banks National Flood Insurance Program Overdraft Protection Services Qualified Mortgages, Ability to Repay Rules Regulatory Burden for Community Banks Regulatory and Tax Relief for Community Banks Senate Payments Innovation Caucus Small Bank Holding Company Policy Statement TILA/RESPA Implementation Too Big To Fail Virtual Currency Waivers for Banks Pleading Guilty to Criminal Conduct

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

S. 774, the Financial Institutions Examination Fairness and Reform Act (to improve the examination process). H.R. 1661, the Mutual Bank Capital Opportunity Act H.R. 1309, the Systemic Risk Designation Improvement Act of 2015 H.R. 1941, the Financial Institutions Examination Fairness and Reform Act S. 970, to allow more small insured depository institutions to qualify for the 18-month on-site exam cycle

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

H.R. 37 Promoting Job Creation and Reducing Small Business Burdens Act H.R. 601 Eliminate Privacy Notice Confusion Act H.R. 766 Financial Institution Customer Protection Act H.R. 888 Subsidy Reserve Act H.R. 957 CFPB-IG Act H.R. 1188 Credit Union Small Business Jobs Creation Act H.R. 1113 Portfolio Lending and Mortgage Access Act H.R. 1195 The Bureau of Consumer Financial Protection Small Business Advisory Board Act H.R. 1233 CLEAR Relief Act H.R. 1259 The HELP Rural Communities Act H.R. 1266 The Financial Products Safety Commission Act H.R. 1389 American Jobs and Community Revitalization Act H.R. 1408 The Community Bank Mortgage Servicing Asset Capital Requirements Study Act H.R. 1523 Community Bank Access to Capital Act H.R. 1529 The Community Institution Mortgage Relief Act H.R. 1660 The Federal Savings Association Charter Flexibility Act H.R. 1661 Mutual Bank Capital Opportunity Act S. 423 Privacy Notice Modernization Act S. 482 CFPB Exam and Reporting Threshold Act S. 530 Federal Reserve Confirmation S. 754 Cybersecurity Information Sharing Act of 2015 S. 774 Financial Institutions and Exam Fairness Reform S. 812 The CLEAR Relief Act S. 871 Rural Designation Appeals 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 (EGRPRA) S.961 Data Security Act of 2015 Access to Capital for Community Banks Appraisal Exemption Basel III/Capital Access Call Report Burden CFPB Mortgage Rate Tool CFPB Reforms/Governance Credit Union Business Lending Powers Credit Union Tax Exemptions Cybersecurity - Information Sharing Data Security and Breaches De Novo Bank Applications Department of Justice Operation Chokepoint Escrow Mortgage Requirements Fair Lending/Disparate Impact Faster Payments Federal Reserve Reform Federal Home Loan Bank Membership Rules Flood Insurance Reform Implementation of Bigger-Waters Act Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Housing Government Sponsored Enterprises Job Act Thrift Fix Military Lending Act rules Mortgage Escrow Requirements Mortgage Lending Reform Mortgage Servicing Standards Mutual Banks National Flood Insurance Program Nomination of Amias Gerety as Treasury Assistant Secretary for Financial Institutions Overdraft Protection Services Qualified Mortgages, Ability to Repay Rules Regulation Z Establishment of Escrow - Higher Priced Loans Regulatory Burden for Community Banks Regulatory and Tax Relief for Community Banks Small Bank Holding Company Policy Statement Small Business Lending Fund TILA/RESPA Implementation Too Big To Fail Virtual Currency

S. 774, the Financial Institutions Examination Fairness and Reform Act (to improve the examination process). H.R. 1661, the Mutual Bank Capital Opportunity Act H.R. 1309, the Systemic Risk Designation Improvement Act of 2015

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