Community Lender Regulatory Relief and Consumer Protection Act of 2015

Crop Insurance Agents Commission; Support of Section 11011 of the Farm Bill, HR 1947, HR 2642; Full Year Continuing Appropriations Act of 2014, HR 83, support of the FY 2016 Omnibus Bill for inclusion of language to benefit specialty crop insurance agents; continued efforts to find relief for specialty crop insurance agents; efforts to ensure the coverage of specialty crops by RMA due to lack of water in CA.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Support of the Agricultural Act of 2014; HR 1947, HR 2642, S. 954; Support for funding of the Market Access Programs; Support of National School and Lunch Programs; Support for the Charitable Agricultural Research Act, HR 2671; Support of the health and welfare of honeybees and accompanying pollination issues for almonds; support of sought help to obtain extension of the temporary MRL for Fosetyl-Al in the EU for tree nuts; support of the inclusion of tree nuts in the Child Nutrition Re-authorization bill, HR 5003; support and implementation of the Produce Safety Rule; Support of GMO labeling, S. 724; support of efforts to solve drought issues in CA, S. 2012 - the Energy Policy Modernization Act, HR 2898 - the Western Water and American Food Safety Act, Fiscal Year 2017 Interior & Environment appropriations bill, HR 5538; FSMA exemption, support of immigration reform; support of finding relief for specialty crop insurance agents; support for removing checkoff funding for disparaging commercials against almond milk; support of S. 612.

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

Government targets: Agriculture, Dept of (USDA), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, SENATE, U.S. International Trade Commission (ITC), U.S. Trade Representative (USTR)

Farm Bill Implementation (S954, HR 1771, HR 2642) and 2016 Ag Appropriations HR 22 (FAST Act) and HR 1314 (Budget Act) - provisions regarding rate of return cap for crop insurance Farm Bill 2018 discussions - Title 1, crop insurance, conservation Registration of the herbicide atrazine Chinese biotechnology approval process

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

Government targets: Agriculture, Dept of (USDA), Environmental Protection Agency (EPA), Federal Energy Regulatory Commission (FERC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE

FIN - Fourth Quarter Report - 2016 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. H.R. 9 - Innovation Act - This bill amends title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections. Issue: patent reform H.R. 601 - Eliminate Privacy Notice Confusion Act. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, and (2) has not changed its policies and practices with regard to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers. Issue: privacy H.R. 1090/S. 2497, the Retail Investor Protection Act. Prohibits the Secretary of Labor from prescribing any regulation under the Employee Retirement Income Security Act of 1974 (ERISA) defining the circumstances under which an individual is considered a fiduciary until 60 days after the Securities and Exchange Commission (SEC) issues a final rule governing standards of conduct for brokers and dealers under specified law. Issue: Fiduciary Duties H.R. 1478/S. 798 - Policyholder Protection Act of 2015. To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. Issue: Source of strength H.R. 1550 - Financial Stability Oversight Council Improvement Act of 2015. Amends the Financial Stability Act of 2010 to require the Financial Stability Oversight Council, when determining whether to subject a U.S. or a foreign nonbank financial company to supervision by the Board of Governors of the Federal Reserve System (Board), including prudential standards, to consider the appropriateness of imposing such standards as opposed to other forms of regulation to mitigate identified risks to U.S. financial stability. Issue: FSOC H.R. 2029 - Consolidated Appropriations Act. Issue: privacy, cybersecurity, source of strength, financial regulatory reform, Department of Labor proposed fiduciary rule. H.R. 2141 - International Insurance Standards Transparency and Policyholder Protection Act of 2015. This bill prescribes negotiating objectives for international insurance regulatory frameworks, including: standards, requirements, and rules focused solely upon protection of policy holders, as reflected in the U.S. solvency regime; and a negotiated international insurance regulatory framework that recognizes U.S. prudential measures as equivalent to foreign measures. Issue: global insurance standards. H.R. 4248 - FSOC Designation Review Act. Issue: SIFI de-risking. H.R. 3340 - FSOC Reform Act. Issue: SIFI de-risking. H.R. 4538/S. 2216 - Senior$afe Act of 2016. Issue: protecting seniors financial security H.R. 5143 - Transparent Insurance Standards Act. Issue: international insurance standards H.R. 5484/S. 3067 - Financial Services and General Government Appropriations Act, 2017. Making appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. Issue: Global insurance standards; SIFI de-risking. H.R. 5983 -- Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. S. 423 - Privacy Notice Modernization Act of 2015. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual written privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, (2) has not changed its policies and practices with respect to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers, and (3) otherwise provides customers access to such most recent disclosure in electronic or other form permitted by specified regulations. Issue: privacy S. 1086 - International Insurance Capital Standards Accountability Act of 2015. This bill establishes at the Board of Governors of the Federal Reserve System the Insurance Policy Advisory Committee on International Capital Standards and Other Insurance Issues, a 21-member committee representing diverse expert perspectives from the U.S. insurance industry (including life insurance, property and casualty insurance and reinsurance, agents and brokers, academics, consumer advocates, or experts on issues facing underserved insurance communities and consumers). Issue: financial regulatory reform. S. 1137 - PATENT Act - This bill amends title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections. Issue: patent reform S. 1484 - Financial Regulatory Improvement Act of 2015. This legislation will improve accountability and transparency in the United States financial regulatory system, protect access to credit for consumers, provide sensible relief to financial institutions. Issue: financial regulatory reform. S. 1491/H.R. 2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015. This legislation will provide sensible relief to community financial institutions and to protect consumers. Issue: financial regulatory reform Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Amendment to the Transportation, Housing & Urban Development Appropriations act, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. Draft House International Insurance Standards legislation. Issue: international insurance standards. Issue: Covered agreements on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Tracking: Issue: Patent reform legislation. No bill number assigned. Issue: Trust Indenture Act. No bill number assigned.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 1090/S. 2497, the Retail Investor Protection Act. Prohibits the Secretary of Labor from prescribing any regulation under the Employee Retirement Income Security Act of 1974 (ERISA) defining the circumstances under which an individual is considered a fiduciary until 60 days after the Securities and Exchange Commission (SEC) issues a final rule governing standards of conduct for brokers and dealers under specified law. Issue: Fiduciary Duties Amendment to the Transportation, Housing & Urban Development Appropriations act, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. H.R. 5484/S. 3067 - Financial Services and General Government Appropriations Act, 2017. Making appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. Issue: Global insurance standards; SIFI de-risking. H.R. 1478/S. 798 - Policyholder Protection Act of 2015. To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. Issue: Source of strength H.R. 601 - Eliminate Privacy Notice Confusion Act. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, and (2) has not changed its policies and practices with regard to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers. Issue: privacy S. 423 - Privacy Notice Modernization Act of 2015. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual written privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, (2) has not changed its policies and practices with respect to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers, and (3) otherwise provides customers access to such most recent disclosure in electronic or other form permitted by specified regulations. Issue: privacy H.R. 2141 - International Insurance Standards Transparency and Policyholder Protection Act of 2015. This bill prescribes negotiating objectives for international insurance regulatory frameworks, including: standards, requirements, and rules focused solely upon protection of policy holders, as reflected in the U.S. solvency regime; and a negotiated international insurance regulatory framework that recognizes U.S. prudential measures as equivalent to foreign measures. Issue: global insurance standards. S. 1484 - Financial Regulatory Improvement Act of 2015. This legislation will improve accountability and transparency in the United States financial regulatory system, protect access to credit for consumers, provide sensible relief to financial institutions. Issue: financial regulatory reform. S. 1086 - International Insurance Capital Standards Accountability Act of 2015. This bill establishes at the Board of Governors of the Federal Reserve System the Insurance Policy Advisory Committee on International Capital Standards and Other Insurance Issues, a 21-member committee representing diverse expert perspectives from the U.S. insurance industry (including life insurance, property and casualty insurance and reinsurance, agents and brokers, academics, consumer advocates, or experts on issues facing underserved insurance communities and consumers). Issue: financial regulatory reform. H.R. 1550 - Financial Stability Oversight Council Improvement Act of 2015. Amends the Financial Stability Act of 2010 to require the Financial Stability Oversight Council, when determining whether to subject a U.S. or a foreign nonbank financial company to supervision by the Board of Governors of the Federal Reserve System (Board), including prudential standards, to consider the appropriateness of imposing such standards as opposed to other forms of regulation to mitigate identified risks to U.S. financial stability. Issue: FSOC S. 1491/H.R. 2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015. This legislation will provide sensible relief to community financial institutions and to protect consumers. Issue: financial regulatory reform S. 1137 - PATENT Act - This bill amends title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections. Issue: patent reform H.R. 9 - Innovation Act - This bill amends title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections. Issue: patent reform H.R. 2029 - Consolidated Appropriations Act. Issue: privacy, cybersecurity, source of strength, financial regulatory reform, Department of Labor proposed fiduciary rule. H.R. 4248 - FSOC Designation Review Act. Issue: SIFI de-risking. H.R. 3340 - FSOC Reform Act. Issue: SIFI de-risking. H.R. 4538/S. 2216 - Senior$afe Act of 2016. Issue: protecting seniors financial security H.R. 5143 - Transparent Insurance Standards Act. Issue: international insurance standards H.R. 5983 -- Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. Draft House International Insurance Standards legislation. Issue: international insurance standards. Issue: Federal Housing Finance Agency proposed rule on federal home loan bank membership. No bill number assigned. Issue: Covered agreements on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Tracking: Issue: Holocaust era insurance policy claims. No bill number assigned. Issue: Patent reform legislation. No bill number assigned. Issue: Trust Indenture Act. No bill number assigned.

Client expense: $1,134,000 · 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

Implementation and administration of the 2014 Farm Bill (H.R. 2642, PL 113-79) and Agriculture Appropriations bill; Trans-Pacific Partnership Agreement and Transatlantic Trade and Investment Agreement

Client expense: Not reported · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR)

Implementation and administration of the 2014 Farm Bill (H.R. 2642, PL 113-79) and Agriculture Appropriations bill; Trans-Pacific Partnership Agreement and Transatlantic Trade and Investment Agreement

Client expense: Not reported · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR)

Implementation and administration of the 2014 Farm Bill (H.R. 2642, PL 113-79) and Agriculture Appropriations bill; Trans-Pacific Partnership Agreement and Transatlantic Trade and Investment Agreement

Client expense: Not reported · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR)

Funding for specialty crops in the Agriculture Act 2014 (HR 1947, HR 2642, S. 954); Support assistance for new crop insurance policy; Support for export promotion program; Support for the National School Lunch Program, particularly related to fruit and vegetable menus; Support for the Charitable Agriculture Research Act, HR 2671;support of the Western Water and American Food Security Act, H.R. 2898; Support of HR 1599; S. 2012 Energy Policy Modernization Act; support of FY2017 Interior and Environment Appropriations bill HR 5538, continued support of finding drought relief for California.

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

Government targets: Agriculture, Dept of (USDA), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Interior, Dept of (DOI), SENATE, U.S. Trade Representative (USTR)

Crop Insurance Agents Commission; Support of Section 11011 of the Farm Bill, HR 1947, HR 2642; Full Year Continuing Appropriations Act of 2014, HR 83, support of the FY 2016 Omnibus Bill for inclusion of language to benefit specialty crop insurance agents; continued efforts to find relief for specialty crop insurance agents; efforts to ensure the coverage of specialty crops by RMA due to lack of water in CA.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Support of the Agricultural Act of 2014; HR 1947, HR 2642, S. 954; Support for funding of the Market Access Programs; Support of National School and Lunch Programs; Support for the Charitable Agricultural Research Act, HR 2671; Support of the health and welfare of honeybees and accompanying pollination issues for almonds; support of sought help to obtain extension of the temporary MRL for Fosetyl-Al in the EU for tree nuts; support of the inclusion of tree nuts in the Child Nutrition Re-authorization bill, HR 5003; support and implementation of the Produce Safety Rule; Support of GMO labeling, S. 724; support of efforts to solve drought issues in CA, S. 2012 - the Energy Policy Modernization Act, HR 2898 - the Western Water and American Food Safety Act, Fiscal Year 2017 Interior & Environment appropriations bill, HR 5538; FSMA exemption, support of immigration reform; support of finding relief for specialty crop insurance agents.

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

Government targets: Agriculture, Dept of (USDA), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, SENATE, State, Dept of (DOS), U.S. International Trade Commission (ITC), U.S. Trade Representative (USTR)

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

FIN - Third Quarter Report - 2016 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. H.R. 9 - Innovation Act - This bill amends title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections. Issue: patent reform H.R. 601 - Eliminate Privacy Notice Confusion Act. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, and (2) has not changed its policies and practices with regard to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers. Issue: privacy H.R. 1090/S. 2497, the Retail Investor Protection Act. Prohibits the Secretary of Labor from prescribing any regulation under the Employee Retirement Income Security Act of 1974 (ERISA) defining the circumstances under which an individual is considered a fiduciary until 60 days after the Securities and Exchange Commission (SEC) issues a final rule governing standards of conduct for brokers and dealers under specified law. Issue: Fiduciary Duties H.R. 1478/S. 798 - Policyholder Protection Act of 2015. To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. Issue: Source of strength H.R. 1550 - Financial Stability Oversight Council Improvement Act of 2015. Amends the Financial Stability Act of 2010 to require the Financial Stability Oversight Council, when determining whether to subject a U.S. or a foreign nonbank financial company to supervision by the Board of Governors of the Federal Reserve System (Board), including prudential standards, to consider the appropriateness of imposing such standards as opposed to other forms of regulation to mitigate identified risks to U.S. financial stability. Issue: FSOC H.R. 2029 - Consolidated Appropriations Act. Issue: privacy, cybersecurity, source of strength, financial regulatory reform, Department of Labor proposed fiduciary rule. H.R. 2141 - International Insurance Standards Transparency and Policyholder Protection Act of 2015. This bill prescribes negotiating objectives for international insurance regulatory frameworks, including: standards, requirements, and rules focused solely upon protection of policy holders, as reflected in the U.S. solvency regime; and a negotiated international insurance regulatory framework that recognizes U.S. prudential measures as equivalent to foreign measures. Issue: global insurance standards. H.R. 3340 - FSOC Reform Act. Issue: SIFI de-risking. H.R. 4248 - FSOC Designation Review Act. Issue: SIFI de-risking. H.R. 4538/S. 2216 - Senior$afe Act of 2016. Issue: protecting seniors financial security H.R. 5143 - Transparent Insurance Standards Act. Issue: international insurance standards H.R. 5484/S. 3067 - Financial Services and General Government Appropriations Act, 2017. Making appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. Issue: Global insurance standards; SIFI de-risking. H.R. 5983 -- Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. S. 423 - Privacy Notice Modernization Act of 2015. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual written privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, (2) has not changed its policies and practices with respect to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers, and (3) otherwise provides customers access to such most recent disclosure in electronic or other form permitted by specified regulations. Issue: privacy S. 1086 - International Insurance Capital Standards Accountability Act of 2015. This bill establishes at the Board of Governors of the Federal Reserve System the Insurance Policy Advisory Committee on International Capital Standards and Other Insurance Issues, a 21-member committee representing diverse expert perspectives from the U.S. insurance industry (including life insurance, property and casualty insurance and reinsurance, agents and brokers, academics, consumer advocates, or experts on issues facing underserved insurance communities and consumers). Issue: financial regulatory reform. S. 1137 - PATENT Act - This bill amends title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections. Issue: patent reform S. 1484 - Financial Regulatory Improvement Act of 2015. This legislation will improve accountability and transparency in the United States financial regulatory system, protect access to credit for consumers, provide sensible relief to financial institutions. Issue: financial regulatory reform. S. 1491/H.R. 2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015. This legislation will provide sensible relief to community financial institutions and to protect consumers. Issue: financial regulatory reform Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Amendment to the Transportation, Housing & Urban Development Appropriations act, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. Draft House International Insurance Standards legislation. Issue: international insurance standards. Issue: Covered agreements on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Tracking: Issue: Patent reform legislation. No bill number assigned. Issue: Trust Indenture Act. No bill number assigned.

Client expense: $1,230,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR185; HR 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

Farm Bill Implementation (S954, HR 1771, HR 2642) and 2016 Ag Appropriations HR 22 (FAST Act) and HR 1314 (Budget Act) - provisions regarding rate of return cap for crop insurance Farm Bill 2018 discussions - Title 1, crop insurance, conservation

Client expense: $60,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Environmental Protection Agency (EPA), Federal Energy Regulatory Commission (FERC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), 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 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

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 1090/S. 2497, the Retail Investor Protection Act. Prohibits the Secretary of Labor from prescribing any regulation under the Employee Retirement Income Security Act of 1974 (ERISA) defining the circumstances under which an individual is considered a fiduciary until 60 days after the Securities and Exchange Commission (SEC) issues a final rule governing standards of conduct for brokers and dealers under specified law. Issue: Fiduciary Duties Amendment to the Transportation, Housing & Urban Development Appropriations act, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. H.R. 5484/S. 3067 - Financial Services and General Government Appropriations Act, 2017. Making appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. Issue: Global insurance standards; SIFI de-risking. H.R. 1478/S. 798 - Policyholder Protection Act of 2015. To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. Issue: Source of strength H.R. 601 - Eliminate Privacy Notice Confusion Act. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, and (2) has not changed its policies and practices with regard to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers. Issue: privacy S. 423 - Privacy Notice Modernization Act of 2015. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual written privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, (2) has not changed its policies and practices with respect to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers, and (3) otherwise provides customers access to such most recent disclosure in electronic or other form permitted by specified regulations. Issue: privacy H.R. 2141 - International Insurance Standards Transparency and Policyholder Protection Act of 2015. This bill prescribes negotiating objectives for international insurance regulatory frameworks, including: standards, requirements, and rules focused solely upon protection of policy holders, as reflected in the U.S. solvency regime; and a negotiated international insurance regulatory framework that recognizes U.S. prudential measures as equivalent to foreign measures. Issue: global insurance standards. S. 1484 - Financial Regulatory Improvement Act of 2015. This legislation will improve accountability and transparency in the United States financial regulatory system, protect access to credit for consumers, provide sensible relief to financial institutions. Issue: financial regulatory reform. S. 1086 - International Insurance Capital Standards Accountability Act of 2015. This bill establishes at the Board of Governors of the Federal Reserve System the Insurance Policy Advisory Committee on International Capital Standards and Other Insurance Issues, a 21-member committee representing diverse expert perspectives from the U.S. insurance industry (including life insurance, property and casualty insurance and reinsurance, agents and brokers, academics, consumer advocates, or experts on issues facing underserved insurance communities and consumers). Issue: financial regulatory reform. H.R. 1550 - Financial Stability Oversight Council Improvement Act of 2015. Amends the Financial Stability Act of 2010 to require the Financial Stability Oversight Council, when determining whether to subject a U.S. or a foreign nonbank financial company to supervision by the Board of Governors of the Federal Reserve System (Board), including prudential standards, to consider the appropriateness of imposing such standards as opposed to other forms of regulation to mitigate identified risks to U.S. financial stability. Issue: FSOC S. 1491/H.R. 2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015. This legislation will provide sensible relief to community financial institutions and to protect consumers. Issue: financial regulatory reform S. 1137 - PATENT Act - This bill amends title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections. Issue: patent reform H.R. 9 - Innovation Act - This bill amends title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections. Issue: patent reform H.R. 2029 - Consolidated Appropriations Act. Issue: privacy, cybersecurity, source of strength, financial regulatory reform, Department of Labor proposed fiduciary rule. H.R. 4248 - FSOC Designation Review Act. Issue: SIFI de-risking. H.R. 3340 - FSOC Reform Act. Issue: SIFI de-risking. H.R. 4538/S. 2216 - Senior$afe Act of 2016. Issue: protecting seniors financial security H.R. 5143 - Transparent Insurance Standards Act. Issue: international insurance standards H.R. 5983 -- Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. Draft House International Insurance Standards legislation. Issue: international insurance standards. Issue: Federal Housing Finance Agency proposed rule on federal home loan bank membership. No bill number assigned. Issue: Covered agreements on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Tracking: Issue: Holocaust era insurance policy claims. No bill number assigned. Issue: Patent reform legislation. No bill number assigned. Issue: Trust Indenture Act. No bill number assigned.

Client expense: $1,071,000 · Firm income: Not reported

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: $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

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

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 HR__ - 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 S__ - Preserving Abandoned Foreclosures and Preserving Communities Act of 2016 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID/Know Before You Owe and credit reporting. Discussions with the Federal Housing Finance Agency (FHFA) on "Duty to Serve" and g-fees. Discussions with the Small Business Administration to discuss small business lending programs. Discussions with the Treasury on anti-money laundering and appraisal management companies (AMCs). Conversations with the Office of the Comptroller of the Currency (OCC) on banking regulations.

Client expense: $9,380,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Energy, Dept of, 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), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)

Funding for specialty crops in the Agriculture Act 2014 (HR 1947, HR 2642, S. 954); Support assistance for new crop insurance policy; Support for export promotion program; Support for the National School Lunch Program, particularly related to fruit and vegetable menus; Support for the Charitable Agriculture Research Act, HR 2671;support of the Western Water and American Food Security Act, H.R. 2898; Support of HR 1599; S. 2012 Energy Policy Modernization Act; support of FY2017 Interior and Environment Appropriations bill HR 5538, continued support of finding drought relief for California.

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

Government targets: Agriculture, Dept of (USDA), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Interior, Dept of (DOI), SENATE, U.S. Trade Representative (USTR)

Crop Insurance Agents Commission; Support of Section 11011 of the Farm Bill, HR 1947, HR 2642; Full Year Continuing Appropriations Act of 2014, HR 83, support of the FY 2016 Omnibus Bill for inclusion of language to benefit specialty crop insurance agents; continued efforts to find relief for specialty crop insurance agents; efforts to ensure the coverage of specialty crops by RMA due to lack of water in CA.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Support of the Agricultural Act of 2014; HR 1947, HR 2642, S. 954; Support for funding of the Market Access Programs; Support of National School and Lunch Programs; Support for the Charitable Agricultural Research Act, HR 2671; Support of the health and welfare of honeybees and accompanying pollination issues for almonds; support of sought help to obtain extension of the temporary MRL for Fosetyl-Al in the EU for tree nuts; support of the inclusion of tree nuts in the Child Nutrition Re-authorization bill, HR 5003; support and implementation of the Produce Safety Rule; Support of GMO labeling, S. 724; support of efforts to solve drought issues in CA, S. 2012 - the Energy Policy Modernization Act, HR 2898 - the Western Water and American Food Safety Act, Fiscal Year 2017 Interior & Environment appropriations bill, HR 5538; support of immigration reform; support of finding relief for specialty crop insurance agents.

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

Government targets: Agriculture, Dept of (USDA), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, SENATE, State, Dept of (DOS), U.S. International Trade Commission (ITC), U.S. Trade Representative (USTR)

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: $70,000

FIN - Second Quarter Report - 2016 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. H.R. 9 - Innovation Act - This bill amends title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections. Issue: patent reform H.R. 601 - Eliminate Privacy Notice Confusion Act. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, and (2) has not changed its policies and practices with regard to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers. Issue: privacy H.R. 1090/S. 2497, the Retail Investor Protection Act. Prohibits the Secretary of Labor from prescribing any regulation under the Employee Retirement Income Security Act of 1974 (ERISA) defining the circumstances under which an individual is considered a fiduciary until 60 days after the Securities and Exchange Commission (SEC) issues a final rule governing standards of conduct for brokers and dealers under specified law. Issue: Fiduciary Duties H.R. 1478/S. 798 - Policyholder Protection Act of 2015. To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. Issue: Source of strength H.R. 1550 - Financial Stability Oversight Council Improvement Act of 2015. Amends the Financial Stability Act of 2010 to require the Financial Stability Oversight Council, when determining whether to subject a U.S. or a foreign nonbank financial company to supervision by the Board of Governors of the Federal Reserve System (Board), including prudential standards, to consider the appropriateness of imposing such standards as opposed to other forms of regulation to mitigate identified risks to U.S. financial stability. Issue: FSOC H.R. 2029 - Consolidated Appropriations Act. Issue: privacy, cybersecurity, source of strength, financial regulatory reform, Department of Labor proposed fiduciary rule. H.R. 2141 - International Insurance Standards Transparency and Policyholder Protection Act of 2015. This bill prescribes negotiating objectives for international insurance regulatory frameworks, including: standards, requirements, and rules focused solely upon protection of policy holders, as reflected in the U.S. solvency regime; and a negotiated international insurance regulatory framework that recognizes U.S. prudential measures as equivalent to foreign measures. Issue: global insurance standards. H.R. 3340 - FSOC Reform Act. Issue: SIFI de-risking. H.R. 4248 - FSOC Designation Review Act. Issue: SIFI de-risking. H.R. 4538/S. 2216 - Senior$afe Act of 2016. Issue: protecting seniors financial security H.R. 5143 - Transparent Insurance Standards Act. Issue: international insurance standards H.R. 5484/S. 3067 - Financial Services and General Government Appropriations Act, 2017. Making appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. Issue: Global insurance standards; SIFI de-risking. S. 423 - Privacy Notice Modernization Act of 2015. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual written privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, (2) has not changed its policies and practices with respect to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers, and (3) otherwise provides customers access to such most recent disclosure in electronic or other form permitted by specified regulations. Issue: privacy S. 1086 - International Insurance Capital Standards Accountability Act of 2015. This bill establishes at the Board of Governors of the Federal Reserve System the Insurance Policy Advisory Committee on International Capital Standards and Other Insurance Issues, a 21-member committee representing diverse expert perspectives from the U.S. insurance industry (including life insurance, property and casualty insurance and reinsurance, agents and brokers, academics, consumer advocates, or experts on issues facing underserved insurance communities and consumers). Issue: financial regulatory reform. S. 1137 - PATENT Act - This bill amends title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections. Issue: patent reform S. 1484 - Financial Regulatory Improvement Act of 2015. This legislation will improve accountability and transparency in the United States financial regulatory system, protect access to credit for consumers, provide sensible relief to financial institutions. Issue: financial regulatory reform. S. 1491/H.R. 2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015. This legislation will provide sensible relief to community financial institutions and to protect consumers. Issue: financial regulatory reform Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Amendment to the Transportation, Housing & Urban Development Appropriations act, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. Draft House International Insurance Standards legislation. Issue: international insurance standards. Discussion draft: Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. Issue: Federal Housing Finance Agency proposed rule on federal home loan bank membership. No bill number assigned. Issue: Covered agreements on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Tracking: Issue: Patent reform legislation. No bill number assigned. Issue: Trust Indenture Act. No bill number assigned.

Client expense: $1,260,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation and administration of the 2014 Farm Bill (H.R. 2642, PL 113-79) and Agriculture Appropriations bill; Trans-Pacific Partnership Agreement and Transatlantic Trade and Investment Agreement and extension of Trade Promotion Authority

Client expense: Not reported · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR)

Implementation and administration of the 2014 Farm Bill (H.R. 2642, PL 113-79) and Agriculture Appropriations bill; Trans-Pacific Partnership Agreement and Transatlantic Trade and Investment Agreement and extension of Trade Promotion Authority

Client expense: Not reported · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR)

Implementation and administration of the 2014 Farm Bill (H.R. 2642, PL 113-79) and Agriculture Appropriations bill; Trans-Pacific Partnership Agreement and Transatlantic Trade and Investment Agreement and extension of Trade Promotion Authority

Client expense: Not reported · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR)

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: $10,000

Farm Bill Implementation (S954, HR 1771, HR 2642) and 2015 Ag Appropriations HR 22 (FAST Act) and HR 1314 (Budget Act) - provisions regarding rate of return cap for crop insurance HR 2015 - Ag Reauthorization Act of 2015 - weighing and inspecting grain

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

Government targets: Agriculture, Dept of (USDA), Environmental Protection Agency (EPA), Federal Energy Regulatory Commission (FERC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), 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: $30,000

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 1090/S. 2497, the Retail Investor Protection Act. Prohibits the Secretary of Labor from prescribing any regulation under the Employee Retirement Income Security Act of 1974 (ERISA) defining the circumstances under which an individual is considered a fiduciary until 60 days after the Securities and Exchange Commission (SEC) issues a final rule governing standards of conduct for brokers and dealers under specified law. Issue: Fiduciary Duties Amendment to the Transportation, Housing & Urban Development Appropriations act, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. H.R. 5484/S. 3067 - Financial Services and General Government Appropriations Act, 2017. Making appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. Issue: Global insurance standards; SIFI de-risking. H.R. 1478/S. 798 - Policyholder Protection Act of 2015. To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. Issue: Source of strength H.R. 601 - Eliminate Privacy Notice Confusion Act. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, and (2) has not changed its policies and practices with regard to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers. Issue: privacy S. 423 - Privacy Notice Modernization Act of 2015. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual written privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, (2) has not changed its policies and practices with respect to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers, and (3) otherwise provides customers access to such most recent disclosure in electronic or other form permitted by specified regulations. Issue: privacy H.R. 2141 - International Insurance Standards Transparency and Policyholder Protection Act of 2015. This bill prescribes negotiating objectives for international insurance regulatory frameworks, including: standards, requirements, and rules focused solely upon protection of policy holders, as reflected in the U.S. solvency regime; and a negotiated international insurance regulatory framework that recognizes U.S. prudential measures as equivalent to foreign measures. Issue: global insurance standards. S. 1484 - Financial Regulatory Improvement Act of 2015. This legislation will improve accountability and transparency in the United States financial regulatory system, protect access to credit for consumers, provide sensible relief to financial institutions. Issue: financial regulatory reform. S. 1086 - International Insurance Capital Standards Accountability Act of 2015. This bill establishes at the Board of Governors of the Federal Reserve System the Insurance Policy Advisory Committee on International Capital Standards and Other Insurance Issues, a 21-member committee representing diverse expert perspectives from the U.S. insurance industry (including life insurance, property and casualty insurance and reinsurance, agents and brokers, academics, consumer advocates, or experts on issues facing underserved insurance communities and consumers). Issue: financial regulatory reform. H.R. 1550 - Financial Stability Oversight Council Improvement Act of 2015. Amends the Financial Stability Act of 2010 to require the Financial Stability Oversight Council, when determining whether to subject a U.S. or a foreign nonbank financial company to supervision by the Board of Governors of the Federal Reserve System (Board), including prudential standards, to consider the appropriateness of imposing such standards as opposed to other forms of regulation to mitigate identified risks to U.S. financial stability. Issue: FSOC S. 1491/H.R. 2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015. This legislation will provide sensible relief to community financial institutions and to protect consumers. Issue: financial regulatory reform S. 1137 - PATENT Act - This bill amends title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections. Issue: patent reform H.R. 9 - Innovation Act - This bill amends title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections. Issue: patent reform H.R. 2029 - Consolidated Appropriations Act. Issue: privacy, cybersecurity, source of strength, financial regulatory reform, Department of Labor proposed fiduciary rule. H.R. 4248 - FSOC Designation Review Act. Issue: SIFI de-risking. H.R. 3340 - FSOC Reform Act. Issue: SIFI de-risking. H.R. 4538/S. 2216 - Senior$afe Act of 2016. Issue: protecting seniors financial security H.R. 5143 - Transparent Insurance Standards Act. Issue: international insurance standards Draft House International Insurance Standards legislation. Issue: international insurance standards. Discussion draft: Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. Issue: Federal Housing Finance Agency proposed rule on federal home loan bank membership. No bill number assigned. Issue: Covered agreements on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Unclaimed life insurance products. No bill number assigned. Tracking: Issue: Holocaust era insurance policy claims. No bill number assigned. Issue: Patent reform legislation. No bill number assigned. Issue: Trust Indenture Act. No bill number assigned.

Client expense: $1,188,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR185; HR 299; HR 601; HR 685; HR 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

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 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 HR__ - 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 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID/Know Before You Owe. Discussions with the Federal Housing Finance Agency (FHFA) on TRID and "Duty to Serve." Discussions with the Small Business Administration to discuss small business lending programs. Discussions with the Treasury on anti-money laundering. Conversations with the Office of the Comptroller of the Currency (OCC) on Commercial lending practices. Conversations with the Securities and Exchange Commission (SEC) on crowdfunding rules.

Client expense: $11,970,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), 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), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, Veterans Affairs, Dept of (VA)

Funding for specialty crops in the Agriculture Act 2014 (HR 1947, HR 2642, S. 954); Support assistance for new crop insurance policy; Support for export promotion program; Support for the National School Lunch Program, particularly related to fruit and vegetable menus; Support for the Charitable Agriculture Research Act, HR 2671;support of the Western Water and American Food Security Act, H.R. 2898; Support of HR 1599; continued support of finding drought relief for California.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Crop Insurance Agents Commission; Support of Section 11011 of the Farm Bill, HR 1947, HR 2642; Full Year Continuing Appropriations Act of 2014, HR 83, support of the FY 2016 Omnibus Bill for inclusion of language to benefit specialty crop insurance agents; continued efforts to find relief for specialty crop insurance agents.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Support of the Agricultural Act of 2014; HR 1947, HR 2642, S. 954; Support for funding of the Market Access Programs; Support of National School and Lunch Programs; Support for the Charitable Agricultural Research Act, HR 2671; Support of the health and welfare of honeybees and accompanying pollination issues for almonds; support of the Western Water and American Food Security Act, H.R. 2898; sought help to obtain extension of the temporary MRL for Fosetyl-Al in the EU for tree nuts.

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

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, U.S. International Trade Commission (ITC), U.S. Trade Representative (USTR)

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, 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: $70,000

FIN - First Quarter Report - 2016 S. 423 - Privacy Notice Modernization Act of 2015. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual written privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, (2) has not changed its policies and practices with respect to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers, and (3) otherwise provides customers access to such most recent disclosure in electronic or other form permitted by specified regulations. Issue: privacy S. 1086 - International Insurance Capital Standards Accountability Act of 2015. This bill establishes at the Board of Governors of the Federal Reserve System the Insurance Policy Advisory Committee on International Capital Standards and Other Insurance Issues, a 21-member committee representing diverse expert perspectives from the U.S. insurance industry (including life insurance, property and casualty insurance and reinsurance, agents and brokers, academics, consumer advocates, or experts on issues facing underserved insurance communities and consumers). Issue: financial regulatory reform. S. 1137 - PATENT Act - This bill amends title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections. Issue: patent reform S. 1484 - Financial Regulatory Improvement Act of 2015. This legislation will improve accountability and transparency in the United States financial regulatory system, protect access to credit for consumers, provide sensible relief to financial institutions. Issue: financial regulatory reform. S. 1491/H.R. 2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015. This legislation will provide sensible relief to community financial institutions and to protect consumers. Issue: financial regulatory reform Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 9 - Innovation Act - This bill amends title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections. Issue: patent reform H.R. 601 - Eliminate Privacy Notice Confusion Act. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, and (2) has not changed its policies and practices with regard to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers. Issue: privacy H.R. 1090/S. 2497, the Retail Investor Protection Act. Prohibits the Secretary of Labor from prescribing any regulation under the Employee Retirement Income Security Act of 1974 (ERISA) defining the circumstances under which an individual is considered a fiduciary until 60 days after the Securities and Exchange Commission (SEC) issues a final rule governing standards of conduct for brokers and dealers under specified law. Issue: Fiduciary Duties H.R. 1478/S. 798 - Policyholder Protection Act of 2015. To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. Issue: Source of strength H.R. 1550 - Financial Stability Oversight Council Improvement Act of 2015. Amends the Financial Stability Act of 2010 to require the Financial Stability Oversight Council, when determining whether to subject a U.S. or a foreign nonbank financial company to supervision by the Board of Governors of the Federal Reserve System (Board), including prudential standards, to consider the appropriateness of imposing such standards as opposed to other forms of regulation to mitigate identified risks to U.S. financial stability. Issue: FSOC H.R. 2029 - Consolidated Appropriations Act. Issue: privacy, cybersecurity, source of strength, financial regulatory reform, Department of Labor proposed fiduciary rule. H.R. 2141 - International Insurance Standards Transparency and Policyholder Protection Act of 2015. This bill prescribes negotiating objectives for international insurance regulatory frameworks, including: standards, requirements, and rules focused solely upon protection of policy holders, as reflected in the U.S. solvency regime; and a negotiated international insurance regulatory framework that recognizes U.S. prudential measures as equivalent to foreign measures. Issue: global insurance standards. H.R. 3340 - FSOC Reform Act. Issue: SIFI de-risking. H.R. 4248 - FSOC Designation Review Act. Issue: SIFI de-risking. H.R. 4538/S. 2216 - Senior$afe Act of 2016. Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Amendment to the Transportation, Housing & Urban Development Appropriations act, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. Financial Services and General Government Appropriations Act, 2017. Making appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. Issue: Global insurance standards; SIFI de-risking. Draft House International Insurance Standards legislation. Issue: international insurance standards. Issue: Covered agreements on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Tracking: Issue: Patent reform legislation. No bill number assigned. Issue: Trust Indenture Act. No bill number assigned.

Client expense: $1,410,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation and administration of the 2014 Farm Bill (H.R. 2642, PL 113-79) and Agriculture Appropriations bill; Trans-Pacific Partnership Agreement and Transatlantic Trade and Investment Agreement and extension of Trade Promotion Authority

Client expense: Not reported · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR)

Implementation and administration of the 2014 Farm Bill (H.R. 2642, PL 113-79) and Agriculture Appropriations bill; Trans-Pacific Partnership Agreement and Transatlantic Trade and Investment Agreement and extension of Trade Promotion Authority

Client expense: Not reported · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR)

Implementation and administration of the 2014 Farm Bill (H.R. 2642, PL 113-79) and Agriculture Appropriations bill; Trans-Pacific Partnership Agreement and Transatlantic Trade and Investment Agreement and extension of Trade Promotion Authority

Client expense: Not reported · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR)

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 1090/S. 2497, the Retail Investor Protection Act. Prohibits the Secretary of Labor from prescribing any regulation under the Employee Retirement Income Security Act of 1974 (ERISA) defining the circumstances under which an individual is considered a fiduciary until 60 days after the Securities and Exchange Commission (SEC) issues a final rule governing standards of conduct for brokers and dealers under specified law. Issue: Fiduciary Duties Amendment to the Transportation, Housing & Urban Development Appropriations act, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. Financial Services and General Government Appropriations Act, 2017. Making appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. Issue: Global insurance standards; SIFI de-risking. H.R. 1478/S. 798 - Policyholder Protection Act of 2015. To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. Issue: Source of strength H.R. 601 - Eliminate Privacy Notice Confusion Act. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, and (2) has not changed its policies and practices with regard to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers. Issue: privacy S. 423 - Privacy Notice Modernization Act of 2015. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual written privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, (2) has not changed its policies and practices with respect to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers, and (3) otherwise provides customers access to such most recent disclosure in electronic or other form permitted by specified regulations. Issue: privacy H.R. 2141 - International Insurance Standards Transparency and Policyholder Protection Act of 2015. This bill prescribes negotiating objectives for international insurance regulatory frameworks, including: standards, requirements, and rules focused solely upon protection of policy holders, as reflected in the U.S. solvency regime; and a negotiated international insurance regulatory framework that recognizes U.S. prudential measures as equivalent to foreign measures. Issue: global insurance standards. S. 1484 - Financial Regulatory Improvement Act of 2015. This legislation will improve accountability and transparency in the United States financial regulatory system, protect access to credit for consumers, provide sensible relief to financial institutions. Issue: financial regulatory reform. S. 1086 - International Insurance Capital Standards Accountability Act of 2015. This bill establishes at the Board of Governors of the Federal Reserve System the Insurance Policy Advisory Committee on International Capital Standards and Other Insurance Issues, a 21-member committee representing diverse expert perspectives from the U.S. insurance industry (including life insurance, property and casualty insurance and reinsurance, agents and brokers, academics, consumer advocates, or experts on issues facing underserved insurance communities and consumers). Issue: financial regulatory reform. H.R. 1550 - Financial Stability Oversight Council Improvement Act of 2015. Amends the Financial Stability Act of 2010 to require the Financial Stability Oversight Council, when determining whether to subject a U.S. or a foreign nonbank financial company to supervision by the Board of Governors of the Federal Reserve System (Board), including prudential standards, to consider the appropriateness of imposing such standards as opposed to other forms of regulation to mitigate identified risks to U.S. financial stability. Issue: FSOC S. 1491/H.R. 2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015. This legislation will provide sensible relief to community financial institutions and to protect consumers. Issue: financial regulatory reform S. 1137 - PATENT Act - This bill amends title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections. Issue: patent reform H.R. 9 - Innovation Act - This bill amends title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections. Issue: patent reform H.R. 2029 - Consolidated Appropriations Act. Issue: privacy, cybersecurity, source of strength, financial regulatory reform, Department of Labor proposed fiduciary rule. H.R. 4248 - FSOC Designation Review Act. Issue: SIFI de-risking. H.R. 3340 - FSOC Reform Act. Issue: SIFI de-risking. H.R. 4538/S. 2216 - Senior$afe Act of 2016. Draft House International Insurance Standards legislation. Issue: international insurance standards. Issue: Federal Housing Finance Agency proposed rule on federal home loan bank membership. No bill number assigned. Issue: Covered agreements on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Tracking: Issue: Holocaust era insurance policy claims. No bill number assigned. Issue: Patent reform legislation. No bill number assigned. Issue: Trust Indenture Act. No bill number assigned.

Client expense: $1,129,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE