FSOC Transparency and Accountability Act

Consumer Financial Protection Bureaus (CFPB) Notice and Request for Comment on Web-Based Quantitative Testing Point of Sale/ATM (POS/ATM) Overdraft Disclosure Forms; Comments responding to request for information on the FHFAs proposed collection of information relating to the NSEMB; Comments on Regulatory Impact Assessment and Initial Regulatory Flexibility Analysis, RIN 1506-AB25; Concerns with CFPB future payday lending rulemakings; payday lending as related to the CFPB Proposals; H.R. 3192: Homebuyers Assistance Act; H.R. 2769: Risk-Based Capital Study Act; National Credit Union Administrations (NCUA) risk-based capital proposal; H.R. 2205: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; EMV chip technology is what makes the new cards more secure - PIN is a distraction from the real issue that is data security; party responsible for breached data should be liable for costs associated with breach; NCUAs budget; H.R. 1176: NCUA Budget Transparency Act/ GAO Study of NCUA budgeting practices; H.R. 1188: Credit Union Small Business Jobs Creation Act/ raising MBL cap; H.R. 1195: Bureau of Consumer Financial Protection Advisory Boards Act; H.R. 1210: Portfolio Lending and Mortgage Access Act; H.R. 2473: Preserving Capital Access and Mortgage Liquidity Act of 2015; H.R. 2896: the TAILOR Act of 2015; S. 754: Cyber Security Information Sharing Act; NAFCUs Five Point Plan for Regulatory Relief (capital reforms for credit unions; field of membership improvements for credit unions; reduced consumer financial protection bureaus on credit unions; operational improvements for credit unions; 21st century data security standards); Regulatory relief for credit unions; Impact of Federal Regulations on Credit Unions; S. 961: Data Security Act of 2015/ Subjects retailers to robust federal safekeeping standard; NCUAs efforts to allow credit unions to better serve rural areas; H.R. 1259: Helping Expand Lending Practices in Rural Communities Act; CFPBs interim final rule amending Regulation Z; H.R. 1261: Bureau of Consumer Financial Protection Accountability Act/ Subjects CFPB to Congressional appropriations process; S. 774: Financial Institutions Examination Fairness and Reform Act; S. 871: HELP Rural Communities Act of 2015/ CFPB Rural Definition; H.R. 685: Mortgage Choice Act of 2015/ Points and Fees; H.R. 1408: Mortgage Servicing Asset Capital Requirements Act; H.R. 1422: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; H.R. 1529: Community Institution Mortgage Relief Act of 2015; H.R. 1941: Financial Institutions Examination Fairness and Reform Act; Regulatory Burdens; Qualified Mortgage Rule; S. 1484: Financial Regulatory Improvement Act; Federal Credit Union Act; S. 2028: A bill to amend the Federal Credit Union Act, to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes; H.R. 3738: the Office of Financial Research Accountability Act of 2015; H.R. 3557: the FSOC Transparency and Accountability Act; H.R. 1660: the Federal Savings Association Charter Flexibility Act; Improve the federal charter of credit unions through the FCU Act; H.R. 989: Capital Access for Small Businesses and Jobs Act/ Supplemental Capital; H.R. 1133: To exclude extensions of credit made to veterans from the definition of a member business loan under the Federal Credit Union Act; NCUA proposed rulemaking on a federal insured credit unions member business lending; NCUAs exam scheduling policy; NAFCUs Top Ten Regulations for Eliminate of Amend (improve process for credit unions seeking changes to their field of membership; provide more meaningful exemptions for small institutions; Dodd-Frank 1022 Authority; expand credit union investment authority; allowing more transfers per month from savings accounts per Federal Reserve Regulation D; flexibility for credit unions making member business loans; NCUAs member business lending rule: update requirement to disclose account numbers to protect privacy of members; update advertising requirements for loan products and share accounts; Accuracy of advertising and notice of insured status; seek improvements to the NCUA Central Liquidity Facility (CLF); CLF information collection; CLF modernization to obtain flexibility for federal credit unions to determine their choice of law; update simplify and make improvements to regulations governing check processing funds); S. 423: Privacy Notice Modernization Act of 2015; H.R. 22: the Surface Transportation Reauthorization and Reform Act of 2015; NCUAs proposed Field of Membership Amendments; H.R. 2995: Financial Services and General Government Appropriations Act; Require the CFPB to conduct a fair, comprehensive study before adopting a rule that would restrict arbitration and open the door to abusive class actions; prevent arbitration restrictions; NCUA third party vendor authority; CFPB request for approval under the Paperwork Reduction Act to conduct a national web-based survey relative to overdraft protection services; CFPB consumer complaint narrative database; CFPB and the student loan servicing market; Student Loan Borrower Communication ;CFPB integration of the Truth in Lending Act (TILA) - Real Estate Settlement Procedures Act (RESPA) disclosures, consider good faith efforts to comply with TRID; financial regulators must level the playing field and promulgate rules that require non-traditional market lenders to meet basic consumer protection requirements such as those of TILA, underwriting standards for loans, and applicable state usury laws; NCUAs usury ceiling under the FCU Act; FSOC should facilitate regulatory coordination among its member regulators; preserve the credit union tax exemption; regulatory relief including CFPB using their exemption authority more; Housing Finance Reform - it is vital that credit unions continue to have unfettered access to the secondary mortgage market and any reforms should have emphasis on fair pricing that reflects loan quality rather than quantity; Department of Labors proposed changes to the Fair Labor Standards Act for certain full-time salaried works to be eligible for overtime protections; Federal Communication Commission clarification for free end user calls made by financial institutions; Federal Communication Commission regarding clarifications to the interpretations of the Telephone Consumer Protection Act; FCCs Declaratory Ruling and Order on TCPA; H.R. 1155: the Searching for and Cutting Regulations that are unnecessarily Burdensome (SCRUB) Act; prepaid cards - CFPB efforts to ensure that consumers using prepaid products are sufficiently informed and protected - they should find appropriate balance between adequate consumer protection and allowing consumers access to products they demand; compliance burdens related to CFPB amendments to Regulation C, HMDA; Uniform Residential Loan Application (URLA); Periodic Statements for Borrowers who have filed for bankruptcy; Statement production systems and CFPBs servicing regulations; Small Business Administration SBA 7(a) business loan program; H.R. 2499: Veterans Entrepreneurship Act of 2015; FY 2016 Financial Services and General Government Appropriations bill; H.R. 427: Regulations for the Executive in Need of Scrutiny Act of 2015; Improve agency use of regulatory guidance; Protect responsible overdraft services; Changes to requirements under the Home Mortgage Disclosure Act; H.R. 957: Bureau of Consumer Financial Protection Inspector General Reform Act; Reform of Fannie Mae and Freddie Mac; Credit risk-guarantee fees; Military Lending Act; H.R. 1735: National Defense Authorization Act for Fiscal Year 2016; Cost-benefit analysis at federal regulatory agencies; Regulatory coordination; Regulations related to remittance transfers; Legal opinion letters at the CFPB and NCUA; H.R. 9: Innovation Act; H.R. 185: Regulatory Accountability Act of 2015; H.R. 527: Small Business Regulatory Flexibility Improvements Act of 2015; H.R. 650: Preserving Access to Manufactured Housing Act; H.R. 766: Financial Institution Customer Protection Act/ Ending Operation Choke Point; H.R. 1262: Consumer Right to Financial Privacy Act of 2015; H.R. 1263: Consumer Financial Protection Safety and Soundness Improvement Act/ Changes veto authority of the Financial Stability Oversight Council; H.R. 1265: Bureau Advisory Commission Transparency Act/ Making credit union advisory council meetings public; H.R. 1266: Financial Product Safety Commission Act/ Replacing CFPB Director with Commission; H.R. 1309: Systemic Risk Designation Improvement Act of 2015; S. 881: Comprehensive Regulatory Review Act of 2015; S. 924: To require public hearings on NCUA's budget; S. 1137: PATENT Act; S. 1440: Credit Union Residential Loan Parity Act/ MBL 1-4 exemption; Ensure an Effective Payments system; Fairness under FCC ruling on autodialing and FCC oversight; Telephone Consumer Protection Act; modernize online lending laws and regulations; give NCUA greater flexibility with credit union lending including the ability to establish longer maturities for certain loans; preventing g-fees charged by Fannie and Freddie from being used as funding offset; NCUA 18-month Exam Cycle; Military Lending Act Database; Credit Losses Accounting Standard; FASB Accounting Standards; CFPBs expansion of data collection under Reg C, Privacy protections for data collected by CFPB; NIST notice and request for information on views on the Framework for Improving Critical Infrastructure Cybersecurity; Comments on Notice of proposed rulemaking regarding field of membership and chartering; CBSA population limit, combined statistical area, well defined local communities, rural population limits, multiple common bond charters, underserved areas, TIP charters; CFPB information collection on compliance costs and other effects of regulation; Duty to serve underserved markets; interchange rates as related to the Durbin Amendment to Dodd-Frank; Repeal Durbin Amendment; H.R. 5465 - to repeal Durbin Amendment; Federal Reserves EGRPRA review process; FHFAs principal reduction consideration; FFIEC Cybersecurity Assessment Tool; FFIEC proposed revision to the Uniform Interagency Consumer Compliance Rating System; Department of Labor Fiduciary Rule, Department of Labor overtime Rule; Administrative Procedures Act; Regulatory Flexibility for credit unions; Promote Consumer Protection and Financial Literacy; Financial Technology (FinTech); FinTech and online marketplace lending; Transparency for NCUAs Overhead Transfer Rate methodology; Transparency for NCUAs Operating Fee methodology; FY 2017 Financial Services and General Government Appropriations Bill; Community Development Financial Institution funding (CDFI); CDFI certification and reporting requirements; Dept. of Treasurys National Strategy for financial literacy and education; NCUAs information collection on investment and deposit activities; allow credit unions to purchase loans from other originators for purposes of issuing securities; mortgage servicing rights; extend exemption for consumer credit cards from MLA Rule requirements; Secondary Capital for low-income designated credit unions(LICU); LICU information collection burdens; Loan Level Price adjustments and Guaranty Fees; HR5541, Financial Services for the Underserved Act of 2016; NCUAs proposed rule regarding FCU occupancy, planning, and disposal of acquired and abandoned premises; HR 1486, Taking Account of Bureaucrats Spending Act (TABS); HR 4773, the Protection Workplace Advancement and Opportunity Act; HR 4538, the Senior$afe Act; NCUAs proposed rule on Incentive-Based Compensation Arrangement; NCUAs Exam Flexibility Initiative; issues related to the National Credit Union Share Insurance Funds Equity Ratio; NCUAs Regulatory Review; seeking guidance from NCUA on interpretation of overall financial performance; NCUAs Revised Examiner Guidance; NCUA to revise CUSO reporting requirements; CUSO accounting standards, Amend NCUA thresholds for supervisory committee audits and verifications; NCUA to address duplicative nature of Fair Credit Reporting regulations; Incidental Powers; requirements for share insurance; Update call reports; DOJs ANPR on accessibility of web information and services of State and Local Government entities; CFPBs amendment to Regulation Ps Annual Privacy Notice Requirement; NCUAs modernization of data collection for regulatory oversight of credit unions; CFPBs proposed rule on arbitration agreements; Property Assessed Clean Energy (PACE) Loans; NCUAs proposed amendments to the Community Development Revolving Loan Fund; modernization of Federal Credit union Bylaws; FHFAs development of a Common Securitization Platform; NIST request for comment on current and future states of cybersecurity in the digital economy; DOD to give better guidance and extend effective date on Military Lending Act Rule; comments on CFPBs Outline of Proposals Under Consideration and Alternatives Considered regarding Third-Party debt collection practices; comments on Consumer Response Company Response Survey; H.R. 5983, the Financial CHOICE Act; H.R. 4038, the Community Financial Institution Exemption Act; H.R. 6094, Regulatory Relief for Small Businesses, Schools, and Non-Profits Act; CFPBs proposed rule related to Payday, Vehicle Title and Certain High-Cost Installment Loans; Single-Family Credit Risk Transfer and proposals to adopt additional front-end credit risk transfer structures; rebates to credit unions related to the Temporary Corporate Credit Union Stabilization Fund; CFPB request for comment on Amendments Relating to Disclosure of Records and Information; NCUAs 2017 and 2018 proposed budgets; NCUAs Equity Fund Ratio and 2017 Projections; Changes to NCUAs Chartering and Field of Membership Manual.

Client expense: $640,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Institute of Standards & Technology (NIST), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

H.R. 601- Consumer Financial Products H.R. 888- Dodd-Frank amendment H.R. 1233- Regulatory Relief H.R. 1262- Consumer Financial Products H.R. 1264- Consumer Financial Products H.R. 1266- Financial Product Safety Commission H.R. 1550- Financial Stability Oversight Council (FSOC) H.R. 1965- Securities and Exchange Commission (SEC) H.R. 2029- Appropriations H.R. 2099- Consumer Financial Products H.R. 3340- FSOC H.R. 3189- Federal Reserve H.R. 3557- FSOC H.R. 3738- Data Security H.R. 3857- FSOC H.R. 4538- Senior Citizens; Finance H.R. 5983- Financial CHOICE Act of 2016 S. 2038- Finance Reform S. 2216- Senior Citizens; Finance

Client expense: $790,000 · Firm income: Not reported

Transparent Insurance Standards Act of 2016, H.R. 5143, all provisions Monitor implementation of (Pub. L. 114-1), the Terrorism Risk Insurance Program Reauthorization Act of 2015, all provisions Monitor implementation of Pub. L. 114-113, Consolidated Appropriations Act, 2016 (contains the Policyholder Protection Act), all provisions Terrorism Risk Insurance Program Reauthorization Act of 2015, H.R. 26, all provisions The Federal Insurance Offices activities at the International Association of Insurance Supervisors, all provisions Monitor implementation of P.L. 113-279, The Insurance Capital Standard Clarification of 2014, all provisions International Insurance Capital Standards Accountability Act - S. 1086, all provisions International Insurance Standards Transparency and Policyholder Protection Act - H.R. 2141, all provisions Financial Regulatory Improvement Act - S. 1484, all provisions Retail Investor Protection Act, H.R. 1090, all provisions Federal Reserve Accountability and Transparency Act of 2014, H.R. 5018, all provisions Office of Financial Research Accountability Act of 2015, H.R. 3738, all provisions Nonprofit Property Protection Act, H.R. 3794, all provisions FILES Act of 2015, H.R. 3890, all provisions FSOC Designation Review Act, H.R. 4248, all provisions Financial Stability Oversight Council Improvement Act of 2015, H.R. 1550, all provisions American Business Competitiveness Act of 2015, H.R. 4377, all provisions Bureau of Consumer Financial Protection Accountability Act of 2015, H.R. 1261, all provisions Consumer Right to Financial Privacy Act of 2015, H.R. 1262, all provisions Bureau of Consumer Financial Protection Advisory Board Enhancement Act, S. 1963, all provisions Consumer Financial Protection Safety and Soundness Improvement Act of 2015, H.R. 1263, all provisions Bureau of Consumer Financial Protection Advisory Boards Act, H.R. 1195, all provisions Financial Regulatory Improvement Act of 2015, S. 1484, all provisions Financial Stability Oversight Council Reform Act, H.R. 3340, all provisions Financial Product Safety Commission Act of 2015, H.R. 1266, all provisions FSOC Transparency and Accountability Act, H.R. 3557, all provisions Office of Financial Research Accountability Act of 2015, H.R. 3738, all provisions To require the Board of Governors of the Federal Reserve System and the Financial Stability Oversight Council to carry out certain requirements under the Financial Stability Act of 2010 before making any new determination under section 113 of such Act, and for other purposes, H.R. 3857, all provisions AFFIRM Act, H.R. 3973, all provisions AFFIRM Act, S. 2244, all provisions Consumer Financial Protection Bureau Accountability Act of 2016, S. 3318, all provisions A bill to amend the Terrorism Risk Insurance Act of 2002 to provide for the release of certain blocked assets, and for other purposes, S. 3442, all provisions Financial CHOICE Act of 2016, H.R. 5983, all provisions Systemic Risk Designation Improvement Act of 2016, H.R. 6391, all provisions Systemic Risk Designation Improvement Act of 2016, H.R. 6390, all provisions U.S. Insurance Regulation Works Act of 2016, H.R. 6436, all provisions

Monitoring HR 5983 The Financial Choice Act of 2016, those provisions related to insurance regulation; S 1484 The Financial Regulatory Improvement Act of 2015, particularly those provisions that relate to insurance company regulation; and HR 1550 Financial Stability Oversight Council Improvement Act of 2015, particularly those aspects that promote greater transparency in the work of the Financial Stability Oversight Council; HR 3340 Financial Stability Oversight Council Reform Act, monitoring the process for creating domestic capital standards; and HR 3557 FSOC Transparency and Accountability Act, tracking the involvement of the Federal Reserve and other federal entities in the regulation of the insurance industry; and HR 3189 The Fed Oversight and Reform Modernization Act, particularly those sections aimed to increase transparency of Fed activities

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

Government targets: Federal Aviation Administration (FAA), HOUSE OF REPRESENTATIVES, SENATE

H.R. 601- Consumer Financial Products H.R. 888- Dodd-Frank amendment H.R. 1233- Regulatory Relief H.R. 1262- Consumer Financial Products H.R. 1264- Consumer Financial Products H.R. 1266- Financial Product Safety Commission H.R. 1550- Financial Stability Oversight Council (FSOC) H.R. 1965- Securities and Exchange Commission (SEC) H.R. 2029- Appropriations H.R. 2099- Consumer Financial Products H.R. 3340- FSOC H.R. 3189- Federal Reserve H.R. 3557- FSOC H.R. 3738- Data Security H.R. 3857- FSOC H.R. 4538- Senior Citizens; Finance H.R. 5983- Financial CHOICE Act of 2016 S. 2038- Finance Reform S. 2216- Senior Citizens; Finance

Client expense: Not reported · Firm income: Not reported

H.R. 1309, Systemic Risk Designation Improvement Act of 2015 H.R. 1486, Taking Account of Bureaucrats' Spending (TABS) Act of 2016 H.R. 1550, Financial Stability Oversight Council Improvement Act of 2015 H.R. 2356, Fair Access to Investment Research Act of 2015 H.R. 2357, Accelerating Access to Capital Act of 2015 H.R. 2477, Financial Transparency Act of 2015 H.R. 3340, Financial Stability Oversight Council Reform Act H.R. 3557, FSOC Transparency and Accountability Act H.R. 3738, Office of Financial Research Accountability Act of 2015 H.R. 3784, SEC Small Business Advocate Act of 2015 H.R. 3791, To raise the consolidated assets threshold under the small bank holding company policy statement, and for other purposes H.R. 3798, Due Process Restoration Act of 2015 H.R. 3868, Small Business Credit Availability Act H.R. 4096, Investor Clarity and Bank Parity Act H.R. 4139, Fostering Innovation Act of 2015 H.R. 4166, Expanding Proven Financing for American Employers Act H.R. 4168, Small Business Capital Formation Enhancement Act H.R. 4216/S. 1802, Consumer Financial Choice and Capital Markets Protection Act of 2015 H.R. 4293, Affordable Retirement Advice Protection Act H.R. 4294, Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act of 2015 H.R. 4450/S. 2489, Incorporation Transparency and Law Enforcement Assistance Act H.R. 4498/S. 978, Helping Angels Lead Our Startups (HALOS) Act H.R. 4620, Preserving Access to CRE Capital Act of 2016 H.R. 4718, Gender Diversity in Corporate Leadership Act of 2016 H.R. 4852, Private Placement Improvement Act of 2016 H.R. 4854, Supporting America's Innovators Act of 2016 H.R. 4855, Fix Crowdfunding Act H.R. 5019, Fair Access to Investment Research Act of 2016 H.R. 5143, Transparent Insurance Standards Act of 2016 H.R. 5311, Corporate Governance Reform and Transparency Act of 2016 H.R. 5424, Investment Advisers Modernization Act of 2016 H.R. 5429, SEC Regulatory Accountability Act H.R. 5485/S. 3067, Financial Services and General Government Appropriations Act, 2017, including provisions related to House Amendment 1253 H.R. 5982, Midnight Rules Relief Act of 2016 H.R. 5983, Financial CHOICE Act of 2016 S. 2867, SEC Small Business Advocate Act of 2016 Final regulation on definition of the term "fiduciary"; conflict of interest rule--retirement investment advice (81 Fed. Reg. 20,946, April 8, 2016) Proposed regulations on regulation automated trading (80 Fed. Reg. 78,824, December 17, 2015) Proposed regulations on arbitration agreements (81 Fed. Reg. 32,830, May 24, 2016) Proposed regulations on capital requirements for supervised institutions significantly engaged in insurance activities (81 Fed. Reg. 38,631, June 14, 2016) Proposed regulations payday, vehicle title and certain high-cost installment loans (81 Fed. Reg. 47,864, July 22, 2016) Proposed regulations on amendments relating to disclosure of records and information (81 Fed. Reg. 58,310, August 24, 2016) Proposed regulations on enhanced prudential standards for systemically important insurance companies (81 Fed. Reg. 38,610, June 14, 2016) Notice regarding consumer response company response survey (81 Fed. Reg. 50,484, August 1, 2016) Various issues relating to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); Basel III capital standards, bank capital, and liquidity reform; political spending disclosures; systemic risk regulation and capital standards for non-bank financial companies; changes to Credit Repair Organizations Act of 1996 (CROA) (P.L. 90-321, Title IV); Securities and Exchange Commission electronic delivery and investment company reporting modernization; Federal Reserve reform; universal ballot; proxy voting system

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

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

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

Transparent Insurance Standards Act of 2016, H.R. 5143, all provisions Monitor implementation of (Pub. L. 114-1), the Terrorism Risk Insurance Program Reauthorization Act of 2015, all provisions Monitor implementation of Pub. L. 114-113, Consolidated Appropriations Act, 2016 (contains the Policyholder Protection Act), all provisions Terrorism Risk Insurance Program Reauthorization Act of 2015, H.R. 26, all provisions The Federal Insurance Offices activities at the International Association of Insurance Supervisors, all provisions Monitor implementation of P.L. 113-279, The Insurance Capital Standard Clarification of 2014, all provisions International Insurance Capital Standards Accountability Act - S. 1086, all provisions International Insurance Standards Transparency and Policyholder Protection Act - H.R. 2141, all provisions Financial Regulatory Improvement Act - S. 1484, all provisions Retail Investor Protection Act, H.R. 1090, all provisions Federal Reserve Accountability and Transparency Act of 2014, H.R. 5018, all provisions Office of Financial Research Accountability Act of 2015, H.R. 3738, all provisions Nonprofit Property Protection Act, H.R. 3794, all provisions FILES Act of 2015, H.R. 3890, all provisions FSOC Designation Review Act, H.R. 4248, all provisions Financial Stability Oversight Council Improvement Act of 2015, H.R. 1550, all provisions American Business Competitiveness Act of 2015, H.R. 4377, all provisions Bureau of Consumer Financial Protection Accountability Act of 2015, H.R. 1261, all provisions Consumer Right to Financial Privacy Act of 2015, H.R. 1262, all provisions Bureau of Consumer Financial Protection Advisory Board Enhancement Act, S. 1963, all provisions Consumer Financial Protection Safety and Soundness Improvement Act of 2015, H.R. 1263, all provisions Bureau of Consumer Financial Protection Advisory Boards Act, H.R. 1195, all provisions Financial Regulatory Improvement Act of 2015, S. 1484, all provisions Financial Stability Oversight Council Reform Act, H.R. 3340, all provisions Financial Product Safety Commission Act of 2015, H.R. 1266, all provisions FSOC Transparency and Accountability Act, H.R. 3557, all provisions Office of Financial Research Accountability Act of 2015, H.R. 3738, all provisions To require the Board of Governors of the Federal Reserve System and the Financial Stability Oversight Council to carry out certain requirements under the Financial Stability Act of 2010 before making any new determination under section 113 of such Act, and for other purposes, H.R. 3857, all provisions AFFIRM Act, H.R. 3973, all provisions AFFIRM Act, S. 2244, all provisions Consumer Financial Protection Bureau Accountability Act of 2016, S. 3318, all provisions A bill to amend the Terrorism Risk Insurance Act of 2002 to provide for the release of certain blocked assets, and for other purposes, S. 3442, all provisions Financial CHOICE Act of 2016, H.R. 5983, all provisions

H.R. 601- Consumer Financial Products H.R. 888- Dodd-Frank amendment H.R. 1233- Regulatory Relief H.R. 1262- Consumer Financial Products H.R. 1264- Consumer Financial Products H.R. 1266- Financial Product Safety Commission H.R. 1550- Financial Stability Oversight Council (FSOC) H.R. 1965- Securities and Exchange Commission (SEC) H.R. 2029- Appropriations H.R. 2099- Consumer Financial Products H.R. 3340- FSOC H.R. 3189- Federal Reserve H.R. 3557- FSOC H.R. 3738- Data Security H.R. 3857- FSOC H.R. 4538- Senior Citizens; Finance H.R. 5983- Financial CHOICE Act of 2016 S. 2038- Finance Reform S. 2216- Senior Citizens; Finance

Client expense: $1,010,000 · Firm income: Not reported

HR 601, S 423 Eliminate Privacy Notice Confusion Act; We support these bills to eliminate costly, unnecessary and confusing annual privacy notices when no changes in privacy policy have been made. Also monitoring S 1484 The Financial Regulatory Improvement Act of 2015, particularly those provisions that relate to insurance company regulation; and HR 1550 Financial Stability Oversight Council Improvement Act of 2015, particularly those aspects that promote greater transparency in the work of the Financial Stability Oversight Council; HR 3340 Financial Stability Oversight Council Reform Act, monitoring the process for creating domestic capital standards; and HR 3557 FSOC Transparency and Accountability Act, tracking the involvement of the Federal Reserve and other federal entities in the regulation of the insurance industry; and HR 3189 The Fed Oversight and Reform Modernization Act, particular those sections aimed to increase transparency of Fed activities

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

Government targets: Federal Aviation Administration (FAA), HOUSE OF REPRESENTATIVES, SENATE

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

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

H.R. 601- Consumer Financial Products H.R. 888- Dodd-Frank amendment H.R. 1233- Regulatory Relief H.R. 1262- Consumer Financial Products H.R. 1264- Consumer Financial Products H.R. 1266- Financial Product Safety Commission H.R. 1550- Financial Stability Oversight Council (FSOC) H.R. 1965- Securities and Exchange Commission (SEC) H.R. 2029- Appropriations H.R. 2099- Consumer Financial Products H.R. 3340- FSOC H.R. 3189- Federal Reserve H.R. 3557- FSOC H.R. 3738- Data Security H.R. 3857- FSOC No#- Financial CHOICE Act of 2016 S. 2038- Finance Reform

Client expense: $1,420,000 · Firm income: Not reported

H.R. 601, Eliminate Privacy Notice Confusion Act H.R. 766, Financial Institution Customer Protection Act of 2015 H.R. 1023/S. 552, Small Business Investment Company Capital Act of 2015 H.R. 1090, Retail Investor Protection Act H.R. 1195, Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1259, Helping Expand Lending Practices in Rural Communities Act H.R. 1265, Bureau Advisory Commission Transparency Act H.R. 1486, Taking Account of Bureaucrats' Spending (TABS) Act of 2016 H.R. 1550, Financial Stability Oversight Council Improvement Act of 2015 H.R. 1675, Capital Markets Improvement Act of 2016 H.R. 1965, Small Company Disclosure Simplification Act H.R. 1975, Securities and Exchange Commission Overpayment Credit Act H.R. 2289, Commodity End User Relief Act H.R. 2356, Fair Access to Investment Research Act of 2015 H.R. 2357, Accelerating Access to Capital Act of 2015 H.R. 2477, Financial Transparency Act of 2015 H.R. 2648/S. 1109, Truth in Settlements Act of 2015 H.R. 2901/S. 1679, Flood Insurance Market Parity and Modernization Act H.R. 3340, Financial Stability Oversight Council Reform Act H.R. 3557, FSOC Transparency and Accountability Act H.R. 3738, Office of Financial Research Accountability Act of 2015 H.R. 3784, SEC Small Business Advocate Act of 2015 H.R. 3791, To raise the consolidated assets threshold under the small bank holding company policy statement, and for other purposes H.R. 3798, Due Process Restoration Act of 2015 H.R. 3868, Small Business Credit Availability Act H.R. 4096, Investor Clarity and Bank Parity Act H.R. 4139, Fostering Innovation Act of 2015 H.R. 4166, Expanding Proven Financing for American Employers Act H.R. 4168, Small Business Capital Formation Enhancement Act H.R. 4216/S. 1802, Consumer Financial Choice and Capital Markets Protection Act of 2015 H.R. 4293, Affordable Retirement Advice Protection Act H.R. 4294, Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act of 2015 H.R. 4450/S. 2489, Incorporation Transparency and Law Enforcement Assistance Act H.R. 4498/S. 978, Helping Angels Lead Our Startups (HALOS) Act H.R. 4620, Preserving Access to CRE Capital Act of 2016 H.R. 4718, Gender Diversity in Corporate Leadership Act of 2016 H.R. 4852, Private Placement Improvement Act of 2016 H.R. 4854, Supporting America's Innovators Act of 2016 H.R. 4855, Fix Crowdfunding Act H.R. 5019, Fair Access to Investment Research Act of 2016 H.R. 5143, Transparent Insurance Standards Act of 2016 H.R. 5311, Corporate Governance Reform and Transparency Act of 2016 H.R. 5424, Investment Advisers Modernization Act of 2016 H.R. 5429, SEC Regulatory Accountability Act H.R. 5485, Financial Services and General Government Appropriations Act, 2017 S. 1484, Financial Regulatory Improvement Act of 2015 S. 2867, SEC Small Business Advocate Act of 2016 S. 2917, Commodity End-User Relief Act H.J. Res. 88, Disapproving the rule submitted by the Department of Labor relating to the definition of the term "Fiduciary" S.J. Res. 33, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of Labor relating to the definition of the term "fiduciary" and the conflict of interest rule with respect to retirement investment advice Draft legislation on conflict minerals disclosures Proposed regulations on the definition of the term fiduciary; Conflict of interest rule-retirement investment advice (80 Fed. Reg. 21,928, April 20, 2015) Various issues relating to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203), including sections 953 and 1502; ratification of the Convention on the Assignment of Receivables in International Trade; Basel III capital standards, bank capital, and liquidity reform; Trust Indenture Act (P.L. 76-253); political spending disclosures; systemic risk regulation and capital standards for non-bank financial companies; Consumer Financial Protection Bureau arbitration rule; Consumer Financial Protection Bureau payday and small dollar lending rule; Consumer Financial Protection Bureau online lending proposal; Consumer Financial Protection Bureau auto financing standard; Consumer Financial Protection Bureau no action letters; Federal Reserve reform; universal ballot; proxy voting system

HR 601, S 423 Eliminate Privacy Notice Confusion Act; We support these bills to eliminate costly, unnecessary and confusing annual privacy notices when no changes in privacy policy have been made. Also monitoring S 1484 The Financial Regulatory Improvement Act of 2015, particularly those provisions that relate to insurance company regulation; and HR 1550 Financial Stability Oversight Council Improvement Act of 2015, particularly those aspects that promote greater transparency in the work of the Financial Stability Oversight Council; HR 3340 Financial Stability Oversight Council Reform Act, monitoring the process for creating domestic capital standards; and HR 3557 FSOC Transparency and Accountability Act, tracking the involvement of the Federal Reserve and other federal entities in the regulation of the insurance industry; and HR 3189 The Fed Oversight and Reform Modernization Act, particular those sections aimed to increase transparency of Fed activities

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Transparent Insurance Standards Act of 2016, H.R. 5143, all provisions Monitor implementation of (Pub. L. 114-1), the Terrorism Risk Insurance Program Reauthorization Act of 2015, all provisions Monitor implementation of Pub. L. 114-113, Consolidated Appropriations Act, 2016 (contains the Policyholder Protection Act), all provisions Terrorism Risk Insurance Program Reauthorization Act of 2015, H.R. 26, all provisions The Federal Insurance Offices activities at the International Association of Insurance Supervisors, all provisions Monitor implementation of P.L. 113-279, The Insurance Capital Standard Clarification of 2014, all provisions International Insurance Capital Standards Accountability Act - S. 1086, all provisions International Insurance Standards Transparency and Policyholder Protection Act - H.R. 2141, all provisions Financial Regulatory Improvement Act - S. 1484, all provisions Retail Investor Protection Act, H.R. 1090, all provisions Federal Reserve Accountability and Transparency Act of 2014, H.R. 5018, all provisions Office of Financial Research Accountability Act of 2015, H.R. 3738, all provisions Nonprofit Property Protection Act, H.R. 3794, all provisions FILES Act of 2015, H.R. 3890, all provisions FSOC Designation Review Act, H.R. 4248, all provisions Financial Stability Oversight Council Improvement Act of 2015, H.R. 1550, all provisions American Business Competitiveness Act of 2015, H.R. 4377, all provisions Bureau of Consumer Financial Protection Accountability Act of 2015, H.R. 1261, all provisions Consumer Right to Financial Privacy Act of 2015, H.R. 1262, all provisions Bureau of Consumer Financial Protection Advisory Board Enhancement Act, S. 1963, all provisions Consumer Financial Protection Safety and Soundness Improvement Act of 2015, H.R. 1263, all provisions Bureau of Consumer Financial Protection Advisory Boards Act, H.R. 1195, all provisions Financial Regulatory Improvement Act of 2015, S. 1484, all provisions Financial Stability Oversight Council Reform Act, H.R. 3340, all provisions Financial Product Safety Commission Act of 2015, H.R. 1266, all provisions FSOC Transparency and Accountability Act, H.R. 3557, all provisions Office of Financial Research Accountability Act of 2015, H.R. 3738, all provisions To require the Board of Governors of the Federal Reserve System and the Financial Stability Oversight Council to carry out certain requirements under the Financial Stability Act of 2010 before making any new determination under section 113 of such Act, and for other purposes, H.R. 3857, all provisions AFFIRM Act, H.R. 3973, all provisions AFFIRM Act, S. 2244, all provisions

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

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

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

H.R. 601- Consumer Financial Products H.R. 888- Dodd-Frank amendment H.R. 1233- Regulatory Relief H.R. 1262- Consumer Financial Products H.R. 1264- Consumer Financial Products H.R. 1266- Financial Product Safety Commission H.R. 1550- Financial Stability Oversight Council (FSOC) H.R. 1965- Securities and Exchange Commission (SEC) H.R. 2029- Appropriations H.R. 2099- Consumer Financial Products H.R. 3340- FSOC H.R. 3189- Federal Reserve H.R. 3557- FSOC H.R. 3738- Data Security H.R. 3857- FSOC S. 2038- Finance Reform

Client expense: $960,000 · Firm income: Not reported

H.R. 37, Promoting Job Creation and Reducing Small Business Burdens Act H.R. 414, Burdensome Data Collection Relief Act H.R. 432/S. 1978, SBIC Advisers Relief Act of 2015 H.R. 601, Eliminate Privacy Notice Confusion Act H.R. 686/S. 1010, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2015 H.R. 766, Financial Institution Customer Protection Act of 2015 H.R. 957/S. 510, Bureau of Consumer Financial Protection-Inspector General Reform (CFPB-IG) Act of 2015 H.R. 1023/S. 552, Small Business Investment Company Capital Act of 2015 H.R. 1090, Retail Investor Protection Act H.R. 1195, Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210, Portfolio Lending and Mortgage Access Act H.R. 1259, Helping Expand Lending Practices in Rural Communities Act H.R. 1265, Bureau Advisory Commission Transparency Act H.R. 1266, Financial Product Safety Commission Act of 2015 H.R. 1309, Systemic Risk Designation Improvement Act of 2015 H.R. 1317, To amend the Commodity Exchange Act and the Securities Exchange Act of 1934 to specify how clearing requirements apply to certain affiliate transactions, and for other purposes H.R. 1334, Holding Company Registration Threshold Equalization Act of 2015 H.R. 1525, Disclosure Modernization and Simplification Act of 2015 H.R. 1550, Financial Stability Oversight Council Improvement Act of 2015 H.R. 1553, Small Bank Exam Cycle Reform Act of 2015 H.R. 1659, Improving Access to Capital for Emerging Growth Companies Act H.R. 1675, Capital Markets Improvement Act of 2016 H.R. 1723, Small Company Simple Registration Act of 2015 H.R. 1737, Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1839, Reforming Access for Investments in Startup Enterprises (RAISE) Act of 2015 H.R. 1847, Swap Data Repository and Clearinghouse Indemnification Correction Act of 2015 H.R. 1941, Financial Institutions Examination Fairness and Reform Act H.R. 1965, Small Company Disclosure Simplification Act H.R. 1975, Securities and Exchange Commission Overpayment Credit Act H.R. 2064, Improving Access to Capital for Emerging Growth Companies Act H.R. 2187, Fair Investment Opportunities for Professional Experts Act H.R. 2287 /S. 924, National Credit Union Administration Budget Transparency Act H.R. 2289, Commodity End User Relief Act H.R. 2354, Streamlining Excessive and Costly Regulations Review Act H.R. 2356, Fair Access to Investment Research Act of 2015 H.R. 2357, Accelerating Access to Capital Act of 2015 H.R. 2477, Financial Transparency Act of 2015 H.R. 2648/S. 1109, Truth in Settlements Act of 2015 H.R. 2769, Risk-Based Capital Study Act of 2015 H.R. 2789, Capital Access for Small Business Banks Act H.R. 3192, Homebuyers Assistance Act H.R. 3340, Financial Stability Oversight Council Reform Act H.R. 3557, FSOC Transparency and Accountability Act H.R. 3738, Office of Financial Research Accountability Act of 2015 H.R. 3784, SEC Small Business Advocate Act of 2015 H.R. 3791, To raise the consolidated assets threshold under the small bank holding company policy statement, and for other purposes H.R. 3798, Due Process Restoration Act of 2015 H.R. 3857, To require the Board of Governors of the Federal Reserve System and the Financial Stability Oversight Council to carry out certain requirements under the Financial Stability Act of 2010 before making any new determination under section 113 of such Act, and for other purposes H.R. 3868, Small Business Credit Availability Act H.R. 4096, Investor Clarity and Bank Parity Act H.R. 4139, Fostering Innovation Act of 2015 H.R. 4166, Expanding Proven Financing for American Employers Act H.R. 4168, Small Business Capital Formation Enhancement Act H.R. 4293, Affordable Retirement Advice Protection Act H.R. 4294, Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act of 2015 H.R. 4450/S. 2489, Incorporation Transparency and Law Enforcement Assistance Act H.R. 4498, Helping Angels Lead Our Startups (HALOS) Act H.R. 4620, Preserving Access to CRE Capital Act of 2016 H.R. 4718, Gender Diversity in Corporate Leadership Act of 2016 S. 576, Encouraging Employee Ownership Act S. 876, A bill to amend the Commodity Exchange Act to specify how clearing requirements apply to certain affiliate transactions S. 1484, Financial Regulatory Improvement Act of 2015 S. 1963, Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 2232, Federal Reserve Transparency Act of 2015 Draft legislation on conflict minerals disclosures Various issues relating to the implementation of the Dodd- Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); Basel III capital standards; Trust Indenture Act (P.L. 76-253); oversight of proxy advisory firms; political spending disclosures; Department of Labor definition of fiduciary duty rules; conflict of interest rule, retirement investment advice; international capital standards for non-banks and insurance companies; systemic risk regulations for non-bank financial companies; Consumer Financial Protection Bureau arbitration study; Consumer Financial Protection Bureau online lending proposal; Consumer Financial Protection Bureau auto financing standard; Consumer Financial Protection Bureau no action letters; Federal Reserve reform; universal ballot; proxy voting system; impact of international regulatory standards on the competitiveness of U.S. insurers; case law arising under Section 316 of the Trust Indenture Act of 1939 (P.L. 76-253)

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

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

HR 601, S 423 Eliminate Privacy Notice Confusion Act; We support these bills to eliminate costly, unnecessary and confusing annual privacy notices when no changes in privacy policy have been made. Also monitoring S 1484 The Financial Regulatory Improvement Act of 2015, particularly those provisions that relate to insurance company regulation; and HR 1550 Financial Stability Oversight Council Improvement Act of 2015, particularly those aspects that promote greater transparency in the work of the Financial Stability Oversight Council; HR 3340 Financial Stability Oversight Council Reform Act, monitoring the process for creating domestic capital standards; and HR 3557 FSOC Transparency and Accountability Act, tracking the involvement of the Federal Reserve and other federal entities in the regulation of the insurance industry; and HR 3189 The Fed Oversight and Reform Modernization Act, particular those sections aimed to increase transparency of Fed activities

Client expense: $140,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitor implementation of (Pub. L. 114-1), the Terrorism Risk Insurance Program Reauthorization Act of 2015, all provisions Monitor implementation of Pub. L. 114-113, Consolidated Appropriations Act, 2016 (contains the Policyholder Protection Act), all provisions Terrorism Risk Insurance Program Reauthorization Act of 2015, H.R. 26, all provisions The Federal Insurance Offices activities at the International Association of Insurance Supervisors, all provisions Monitor implementation of P.L. 113-279, The Insurance Capital Standard Clarification of 2014, all provisions International Insurance Capital Standards Accountability Act - S. 1086, all provisions International Insurance Standards Transparency and Policyholder Protection Act - H.R. 2141, all provisions Financial Regulatory Improvement Act - S. 1484, all provisions Retail Investor Protection Act, H.R. 1090, all provisions Federal Reserve Accountability and Transparency Act of 2014, H.R. 5018, all provisions Office of Financial Research Accountability Act of 2015, H.R. 3738, all provisions Nonprofit Property Protection Act, H.R. 3794, all provisions FILES Act of 2015, H.R. 3890, all provisions FSOC Designation Review Act, H.R. 4248, all provisions Financial Stability Oversight Council Improvement Act of 2015, H.R. 1550, all provisions American Business Competitiveness Act of 2015, H.R. 4377, all provisions Bureau of Consumer Financial Protection Accountability Act of 2015, H.R. 1261, all provisions Consumer Right to Financial Privacy Act of 2015, H.R. 1262, all provisions Bureau of Consumer Financial Protection Advisory Board Enhancement Act, S. 1963, all provisions Consumer Financial Protection Safety and Soundness Improvement Act of 2015, H.R. 1263, all provisions Bureau of Consumer Financial Protection Advisory Boards Act, H.R. 1195, all provisions Financial Regulatory Improvement Act of 2015, S. 1484, all provisions Financial Stability Oversight Council Reform Act, H.R. 3340, all provisions Financial Product Safety Commission Act of 2015, H.R. 1266, all provisions FSOC Transparency and Accountability Act, H.R. 3557, all provisions Office of Financial Research Accountability Act of 2015, H.R. 3738, all provisions To require the Board of Governors of the Federal Reserve System and the Financial Stability Oversight Council to carry out certain requirements under the Financial Stability Act of 2010 before making any new determination under section 113 of such Act, and for other purposes, H.R. 3857, all provisions AFFIRM Act, H.R. 3973, all provisions AFFIRM Act, S. 2244, all provisions

General Dodd/Frank defense, Dodd/Frank section 956, SEC waiver policy, HR 3557-FSOC Transparency & Accountability Act, HR 2209-to require appropriate Federal banking agencies to treat certain municipal obligations as level 2A liquid assets, HR 1550-Financial Stability Oversight Council Improvement Act of 2015, HR 1309-Systemic risk designation Improvement Act of 2015, HR 3798-Due process Restoration Act of 2015, general riders, HR 3784-SEC Small business Advocate Act of 2015, HR 2187-Fair Investment Opportunities for Professional Experts Act, HR 2205-Data Security Act of 2015, HR 2287-National Credit Union Administration Budget Transparency Act, HR 3700 Housing opportunity through Modernization Act of 2015, HR 3791-Raise consolidated assets threshold under small bank holding company policy statement, HR 4168-Small Business Capitol Formation Enhancement Act, Pushing for an SEC rule requiring political disclosure, Postal banking, HR 3857-Board of Federal Reserve and financial stability oversight council to carry out certain requirements under the financial stability act of 2010.

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

H.R. 601- Consumer Financial Products H.R. 1233- Regulatory Relief H.R. 1262- Consumer Financial Products H.R. 1264- Consumer Financial Products H.R. 1266- Financial Product Safety Commission H.R. 1550- Financial Stability Oversight Council (FSOC) H.R. 1965- Securities and Exchange Commission (SEC) H.R. 2099- Consumer Financial Products H.R. 3340- FSOC H.R. 3189- Federal Reserve H.R. 3557- FSOC H.R. 3738- Data Security H.R. 3857- FSOC S. 2038- Finance Reform

Client expense: $1,030,000 · Firm income: Not reported

HR 414, the Burdensome Data Collection Relief Act HR 1090 Retail Investor Protection Act, HR 1266 Financial Product Safety Commission Act of 2015. HR 3192, the Homebuyers Assistance Act, HR 2287 (NCUA Budget Transparency Act) HR 2896 (the TAILOR Act) HR 3340 (the Financial Stability Oversight Council Reform Act) HR 1309, the Systemic Risk Designation Improvement Act of 2015. "Golden Parachute Compensation Packages" S. Con. Res. 11 DoL Fiduciary Rule HR 1550 Financial Stability Oversight Council Improvement Act of 2015. HR 3340 Financial Stability Oversight Council Reform Act. HR 3557 FSOC Transparency and Accountability Act. HR 3738 Office of Financial Research Accountability Act of 2015.HR 3868, the Small Business Credit Availability Act HR 2209 HR 3857 Hensarling Amendment to Highway Trust Fund bill HR 1737, the Reforming CFPB Indirect Auto Financing Guidance Act, HR 1210, Portfolio Lending and Mortgage Access Act, HR 3189, The Federal Reserve Reform Act of 2015, HR 2187, the Fair Investment Opportunities for Professional Experts Act HR 3784, the SEC Small Business Advocate Act HR 4018, the Consumer Protection and Choice Act. HR 2029, Consolidated Appropriations Act, 2016 S 1484, Financial Regulatory Improvement Act of 2015

Client expense: $364,725 · Firm income: Not reported

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

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

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

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

H.R. 22, Fixing Americas Surface Transportation (FAST) Act, including provisions relating to House Amendments 824 and 827 H.R. 37, Promoting Job Creation and Reducing Small Business Burdens Act H.R. 414, Burdensome Data Collection Relief Act H.R. 432, SBIC Advisers Relief Act of 2015 H.R. 601, Eliminate Privacy Notice Confusion Act H.R. 686/S. 1010, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2015 H.R. 766, Financial Institution Customer Protection Act of 2015 H.R. 957/S. 510, Bureau of Consumer Financial Protection-Inspector General Reform (CFPB-IG) Act of 2015 H.R. 1023/S. 552, Small Business Investment Company Capital Act of 2015 H.R. 1090, Retail Investor Protection Act H.R. 1195, Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1210, Portfolio Lending and Mortgage Access Act H.R. 1259, Helping Expand Lending Practices in Rural Communities Act H.R. 1265, Bureau Advisory Commission Transparency Act H.R. 1266, Financial Product Safety Commission Act of 2015 H.R. 1309, Systemic Risk Designation Improvement Act of 2015 H.R. 1317, To amend the Commodity Exchange Act and the Securities Exchange Act of 1934 to specify how clearing requirements apply to certain affiliate transactions, and for other purposes H.R. 1334, Holding Company Registration Threshold Equalization Act of 2015 H.R. 1525, Disclosure Modernization and Simplification Act of 2015 H.R. 1550, Financial Stability Oversight Council Improvement Act of 2015 H.R. 1553, Small Bank Exam Cycle Reform Act of 2015 H.R. 1659, Improving Access to Capital for Emerging Growth Companies Act H.R. 1675, Encouraging Employee Ownership Act of 2015 H.R. 1723, Small Company Simple Registration Act of 2015 H.R. 1737, Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1839, Reforming Access for Investments in Startup Enterprises (RAISE) Act of 2015 H.R. 1847, Swap Data Repository and Clearinghouse Indemnification Correction Act of 2015 H.R. 1941, Financial Institutions Examination Fairness and Reform Act H.R. 1965, Small Company Disclosure Simplification Act H.R. 1975, Securities and Exchange Commission Overpayment Credit Act H.R. 2064, Improving Access to Capital for Emerging Growth Companies Act H.R. 2187, Fair Investment Opportunities for Professional Experts Act H.R. 2287, National Credit Union Administration Budget Transparency Act H.R. 2289, Commodity End User Relief Act H.R. 2354, Streamlining Excessive and Costly Regulations Review Act H.R. 2356, Fair Access to Investment Research Act of 2015 H.R. 2357, Accelerating Access to Capital Act of 2015 H.R. 2477, Financial Transparency Act of 2015 H.R. 2648/S. 1109, Truth in Settlements Act of 2015 H.R. 2769, Risk-Based Capital Study Act of 2015 H.R. 2789, Capital Access for Small Business Banks Act H.R. 2995, Financial Services and General Government Appropriations Act, 2016, including provisions relating to potential amendment regarding affordable dispute resolution options in the consumer financial services marketplace H.R. 3192, Homebuyers Assistance Act H.R. 3340, Financial Stability Oversight Council Reform Act H.R. 3557, FSOC Transparency and Accountability Act H.R. 3738, Office of Financial Research Accountability Act of 2015 H.R. 3784, SEC Small Business Advocate Act of 2015 H.R. 3791, To raise the consolidated assets threshold under the small bank holding company policy statement, and for other purposes H.R. 3798, Due Process Restoration Act of 2015 H.R. 3857, To require the Board of Governors of the Federal Reserve System and the Financial Stability Oversight Council to carry out certain requirements under the Financial Stability Act of 2010 before making any new determination under section 113 of such Act, and for other purposes H.R. 3868, Small Business Credit Availability Act H.R. 4168, Small Business Capital Formation Enhancement Act S. 423, Privacy Notice Modernization Act of 2015 S. 576, Encouraging Employee Ownership Act S. 1484, Financial Regulatory Improvement Act of 2015 S. 1963, Bureau of Consumer Financial Protection Advisory Board Enhancement Act Draft legislation on conflict minerals disclosures Potential legislation similar to H.R. 2629, Fostering Innovation Act of 2013 Potential legislation similar to S. 2498, Helping Angels Lead Our Startups (HALOS) Act (113th Congress) Various issues relating to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); evaluating the security of the U.S. financial sector; Basel III capital standards; Trust Indenture Act (P.L. 76-253); oversight of proxy advisory firms; political spending disclosures; Department of Labor definition of fiduciary duty rules; international capital standards for non-banks and insurance; systemic risk regulations for non-bank financial companies; Consumer Financial Protection Bureau arbitration study; Consumer Financial Protection Bureau online lending proposal; Consumer Financial Protection Bureau auto financing standard; Consumer Financial Protection Bureau no action letters; Department of Treasury online marketplace lending RFI; Federal Reserve reform; beneficial ownerships disclosures; universal ballot; proxy voting system

General Dodd/Frank defense, Dodd/Frank section 956, SEC waiver policy, HR 3557-FSOC Transparency & Accountability Act, HR 2209-to require appropriate Federal banking agencies to treat certain municipal obligations as level 2A liquid assets, HR 1550-Financial Stability Oversight Council Improvement Act of 2015, HR 1309-Systemic risk designation Improvement Act of 2015, HR 3798-Due process Restoration Act of 2015, general riders, HR 3784-SEC Small business Advocate Act of 2015, HR 2187-Fair Investment Opportunities for Professional Experts Act, HR 2205-Data Security Act of 2015, HR 2287-National Credit Union Administration Budget Transparency Act, HR 3700 Housing opportunity through Modernization Act of 2015, HR 3791-Raise consolidated assets threshold under small bank holding company policy statement, HR 4168-Small Business Capitol Formation Enhancement Act, Pushing for an SEC rule requiring political disclosure, Postal banking, HR 3857-Board of Federal Reserve and financial stability oversight council to carry out certain requirements under the financial stability act of 2010.

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

HR 601, S 423 Eliminate Privacy Notice Confusion Act; We support these bills to eliminate costly, unnecessary and confusing annual privacy notices when no changes in privacy policy have been made. Also monitoring S 1484 The Financial Regulatory Improvement Act of 2015, particularly those provisions that relate to insurance company regulation; and HR 1550 Financial Stability Oversight Council Improvement Act of 2015, particularly those aspects that promote greater transparency in the work of the Financial Stability Oversight Council; HR 3340 Financial Stability Oversight Council Reform Act, monitoring the process for creating domestic capital standards; and HR 3557 FSOC Transparency and Accountability Act, tracking the involvement of the Federal Reserve and other federal entities in the regulation of the insurance industry; and HR 3189 The Fed Oversight and Reform Modernization Act, particular those sections aimed to increase transparency of Fed activities

Client expense: $90,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 601- Consumer Financial Products H.R. 1233- Regulatory Relief H.R. 1262- Consumer Financial Products H.R. 1264- Consumer Financial Products H.R. 1266- Financial Product Safety Commission H.R. 1550- Financial Stability Oversight Council (FSOC) H.R. 1965- Securities and Exchange Commission (SEC) H.R. 2099- Consumer Financial Products H.R. 3189- Federal Reserve H.R. 3557- FSOC S. 2038- Finance Reform

Client expense: $1,050,000 · Firm income: Not reported

HR 601, S 423 Eliminate Privacy Notice Confusion Act; We support these bills to eliminate costly, unnecessary and confusing annual privacy notices when no changes in privacy policy have been made. Also monitoring S 1484 The Financial Regulatory Improvement Act of 2015, particularly those provisions that relate to insurance company regulation; and HR 1550 Financial Stability Oversight Council Improvement Act of 2015, particularly those aspects that promote greater transparency in the work of the Financial Stability Oversight Council; HR 3340 Financial Stability Oversight Council Reform Act, monitoring the process for creating domestic capital standards; and HR 3557 FSOC Transparency and Accountability Act, tracking the involvement of the Federal Reserve and other federal entities in the regulation of the insurance industry.

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

Government targets: Federal Aviation Administration (FAA), HOUSE OF REPRESENTATIVES, SENATE