To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes.

Issues related to captive insurers H.R. 3808

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

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE

Government-sponsored enterprise reform. Housing finance reform. H.R. 2121, SAFE Transitional Licensing Act of 2015, all provisions. S. 1484, Financial Regulatory Improvement Act of 2015, provisions affecting mortgage banking. H.R. 3808, relating to the Federal Housing Finance Agency rule regarding membership standards for the federal home loan banks. H.R. 5485, Fiscal Year 2017 Financial Services and General Government Appropriations bill, provisions relating to the Federal Housing Finance Agency rule regarding membership standards for the federal home loan banks. Federal Home Loan Bank membership for mortgage real estate investment trusts. H.R. 5983, Financial CHOICE Act of 2016, provisions affecting mortgages and housing finance.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Government-sponsored enterprise reform and its effect on federal home loan banks. Housing finance reform. Matters relating to specified recourse debt obligations of an eligible issuer (covered bonds) and their effect on federal home loan banks. Federal Housing Finance Agency proposed rule on Federal Home Loan Bank membership. S. 1484, Financial Regulatory Improvement Act of 2015, provisions relating to federal home loan banks, sections 102 and 124. H.R. 2289, Commodity End-User Relief Act, amendment relating to advances made by financial institutions to federal home loan banks. H.R. 3808, directing the Federal Housing Finance Agency to withdraw its proposed rule entitled "Members of Federal Home Loan Banks." H.R. 5485, Fiscal Year 2017, Financial Services and General Government Appropriations bill, relating to the Federal Housing Finance Agency rule establishing membership standards for federal home loan banks. H.R. 5983, Financial CHOICE act, provisions affecting federal home loan banks.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Credit Availability S1484 - The Financial Regulatory Improvement Act of 2015 Fees and Points in the QM ATR Rules of Dodd-Frank HR685 - Mortgage Choice Act of 2015 Student Loan Debt HR970 - Supporting Academic Freedom through Regulatory Relief Act HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act HR3179 - Empowering Students Through Enhanced Financial Counseling Act HR3180 - Flexible Pell Grant for 21st Century Students Act HR4162 - Credit Access and Inclusion Act of 2015 HR4652 - CLEAR Act S85 - Repay Act of 2015 S108 - Financial Aid Simplification and Transparency Act of 2015 S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights S1948 - AFFORD Act S2043 - Know Before You Owe Federal Student Loan Act of 2015 S2677 - In the Red Act of 2016 Credit Union Lending HR1188 - Credit Union Small Business Job Creations Act CFPB Reform HR1266 - Financial Product Safety Commission Act of 2015 S510 - CFPB-IG Act of 2015 Access to Manufactured Housing HR650 - Preserving Access to Manufactured Housing Act of 2015 S682 - Preserving Access to Manufactured Housing Act of 2015 GSE Reform HR22 - DRIVE Act HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR2029 - Consolidated Appropriations Act, 2016 HR4913 - Housing Finance Restructuring Act of 2016 HR__ - Moving Housing Forward Act S2038 - Jumpstart GSE Reform Act Guarantee Fees S752 - A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. HConRes125 - Establishing the congressional budget for the United States Government for fiscal year 2017 and setting forth the appropriate budgetary levels for fiscal years 2018 through 2026. RESPA/TILA Amendments/TRID HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access Act HR3192 - Homebuyers Assistance Act S1711 - A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Alternative Credit Scoring HR3035 - Credit Access and Inclusion Act of 2015 HR4211 - Credit Score Competition Act of 2015 HR4893 - Risk Management and Homeowner Stability Act of 2016 S2355 - Credit Access and Inclusion Act of 2015 Service Members Foreclosure Relief S2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 Commercial Risk Retention Rules HR4620 - Preserving Access to CRE Capital Act of 2016 FHFA HR3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. Financial Regulatory Reform HR1090 - Retail Investor Protection Act HR1523 - Community Bank Access to Capital Act of 2015 HR2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 HR5983 - The Financial Choice Act S1484 - Financial Regulatory Improvement Act of 2015 S1491 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 S1816 - Community Bank Access to Capital Act of 2015 Credit Reporting HR347 - The Facilitating Access to Credit Act HR5282 - The Comprehensive Consumer Credit Reporting Act of 2016 Federal Home Loan Bank HR__ - To amend the Federal Home Loan Bank Act to clarify the definition of an insurance company and to provide Federal Home Loan Bank membership standards for certain captive insurance companies Alternative Lending Sources HR4854 - Supporting America's Innovators Act of 2016 HR4855 - Fix Crowdfunding Act Zombie Foreclosures S3146 - Preserving Abandoned Foreclosures and Preserving Communities Act of 2016 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID, RESPA, TILA, and student loan debt. Discussions with the Federal Housing Finance Agency (FHFA) on GSE reform, duty-to-serve. Discussions with the Treasury on anti-money laundering and GSE reform. Conversations with the Office of the Comptroller of the Currency (OCC) on bank charters. Discussions with the Securities and Exchange Commission (SEC) on crowdfunding, small business lending.

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

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

Issues related to mortgage banking. H.R.3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Efforts related to housing finance reform and tax reform, H.R. 3808 (To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 423 - Privacy Notice Modernization Act H.R. 601 - the Eliminate Privacy Notice Confusion Act H.R. 1309 - Systemic Risk Designation Improvement Act of 2015 S.819 Export - Import Bank Reform and Reauthorization Act of 2015 H.R. 1731 - the National Cybersecurity Protection Advancement Act of 2015 S.456 - Cyber Threat Sharing Act of 2015 H.R. 2205 - the Data Security Act of 2015 S. 1484 - Financial Regulatory Improvement Act of 2015 HR 1266 - Financial Products Safety Commission Act of 2015 HR 1737 - Reforming CFPB Indirect Auto Financing Guidance Act HR 2213 - Would provide a short safe-harbor period with respect to the new TILA-RESPA Integrated Disclosure (TRID) rule until January 1, 2016 HR 1210 - Portfolio Lending and Mortgage Access Act HR 1295 - Trade Preferences Bill H.R. 3038 - The Highway and Transportation Funding Act of 2015 H.R. 2499 - Veterans Entrepreneurship Act of 2015 HR 1090 - DOL - Retail Investor Protection Act H.R. 3808 - FHLB Membership rule HR 597 - Export-Import Bank Reform and Reauthorization Act of 2015 S. 754 - CISA, Cybersecurity Information Sharing Act of 2015 H.R. 22 - The DRIVE Act (Highway funding bill) H.R. 2205 - the Data Security Act of 2015 HR 2896 - TAILOR Act H. J. Res. 88 - Disapproving the rule submitted by the Department of Labor relating to the definition of the term "Fiduciary". HR 5027- Amend the Federal Reserve Act to adjust the circumstances under which Federal reserve bank stock is callable, and for other purposes. HR 5465 - To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes. HR 6287 - MOBILE Act HR 6118 - Financial Services Innovation Act HR 5660 - Retail Checking Account Protection Act HR 5983 - Financial CHOICE Act HR 6162 - Protect Prepaid Accounts Act Print Save as PDF Close this Window Clerk of the House of Representatives Legislative Resource Center 135 Cannon Building Washington, DC 20515 http://lobbyingdisclosure.house.govSecretary of the Senate Office of Public Records 232 Hart Building Washington, DC 20510 http://www.senate.gov/lobbyLOBBYING REPORT Lobbying Disclosure Act of 1995 (Section 5) - All Filers Are Required to Complete This Page 1. Registrant Name Organization/Lobbying Firm Self Employed Individual Compass Bank 2. Address Address1 15 South 20th Street Address2 ​Suite 1802 City Birmingham State AL Zip Code 35233 Country USA 3. Principal place of business (if different than line 2) City ​ State ​ Zip Code ​ Country ​ 4a. Contact Nameb. Telephone Numberc. E-mail ​Mr. ​S. Scott Sargent ​2052973880 ​Scott.Sargent@bbva.com 5. Senate ID# ​400745229-12 7. Client NameSelfCheck if client is a state or local government or instrumentality ​Compass Bank 6. House ID# ​416470000 TYPE OF REPORT8. Year ​2016 Q1 (1/1 - 3/31) Q2 (4/1 - 6/30) Q3 (7/1 - 9/30) Q4 (10/1 - 12/31) 9. Check if this filing amends a previously filed version of this report 10. Check if this is a Termination Report Termination Date ​ 11. No Lobbying Issue Activity INCOME OR EXPENSES - YOU MUST complete either Line 12 or Line 13 12. Lobbying13. Organizations INCOME relating to lobbying activities for this reporting period was:EXPENSE relating to lobbying activities for this reporting period were: Less than $5,000 Less than $5,000 $5,000 or more$ ​ $5,000 or more$ ​50,000.00 Provide a good faith estimate, rounded to the nearest $10,000, of all lobbying related income for the client (including all payments to the registrant by any other entity for lobbying activities on behalf of the client).14. REPORTING Check box to indicate expense accounting method. See instructions for description of options. Method A. Reporting amounts using LDA definitions only Method B. Reporting amounts under section 6033(b)(8) of the Internal Revenue Code Method C. Reporting amounts under section 162(e) of the Internal Revenue Code Signature Digitally Signed By: S. Scott Sargent Date LOBBYING ACTIVITY. Select as many codes as necessary to reflect the general issue areas in which the registrant engaged in lobbying on behalf of the client during the reporting period. Using a separate page for each code, provide information as requested. Add additional page(s) as needed. 15. General issue area code BAN 16. Specific lobbying issues S. 423 - Privacy Notice Modernization Act H.R. 601 - the Eliminate Privacy Notice Confusion Act H.R. 1309 - Systemic Risk Designation Improvement Act of 2015 S.819 Export - Import Bank Reform and Reauthorization Act of 2015 H.R. 1731 - the National Cybersecurity Protection Advancement Act of 2015 S.456 - Cyber Threat Sharing Act of 2015 H.R. 2205 - the Data Security Act of 2015 S. 1484 - Financial Regulatory Improvement Act of 2015 HR 1266 - Financial Products Safety Commission Act of 2015 HR 1737 - Reforming CFPB Indirect Auto Financing Guidance Act HR 2213 - Would provide a short safe-harbor period with respect to the new TILA-RESPA Integrated Disclosure (TRID) rule until January 1, 2016 HR 1210 - Portfolio Lending and Mortgage Access Act HR 1295 - Trade Preferences Bill H.R. 3038 - The Highway and Transportation Funding Act of 2015 H.R. 2499 - Veterans Entrepreneurship Act of 2015 HR 1090 - DOL - Retail Investor Protection Act H.R. 3808 - FHLB Membership rule HR 597 - Export-Import Bank Reform and Reauthorization Act of 2015 S. 754 - CISA, Cybersecurity Information Sharing Act of 2015 H.R. 22 - The DRIVE Act (Highway funding bill) H.R. 2205 - the Data Security Act of 2015 HR 2896 - TAILOR Act H. J. Res. 88 - Disapproving the rule submitted by the Department of Labor relating to the definition of the term "Fiduciary". HR 5027- Amend the Federal Reserve Act to adjust the circumstances under which Federal reserve bank stock is callable, and for other purposes. HR 5465 - To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes. HR 6287 - MOBILE Act HR 6118 - Financial Services Innovation Act HR 5660 - Retail Checking Account Protection Act HR 5983 - Financial CHOICE Act HR 6162 - Protect Prepaid Accounts Act HR 6392 - Systemic Risk Designation Improvement Act (reintroduced version of HR 1309)

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Housing finance reform; Dodd-Frank implementation; covered bond legislation; Basel III implementation; HR 299-FHLBank membership for privately insured credit unions; qualified mortgage regulations-status of FHLBank loans- S.1974- Relationship Lending Preservation Act of 2015); regulatory reform legislation - (S.1484- Financial Regulatory Improvement Act of 2015); CFTC Reauthorization Legislation - Identified Banking Products treatment for FHLBank advances; FDIC Small Bank Assessment regulation; FHFA rulemaking, including FHLBank membership rule and related legislation (S. 1484; H.R.3808); Federal Reserve Proposed Rule on Single-Counterparty Credit Exposures; Fed/FDIC/OCC proposed rule on Long Term Liquidity Requirements (NSFR); general FHLBank matters.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

Implementation of the Dodd-Frank Act;H.R. 2121 SAFE Transitional Licensing Act of 2015; S. 1484Financial Regulatory Improvement Act; S. 1910 FY2017 Financial Services and General Government Act; H.R. 5485 / S. 3067. HR 3808 To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

GSE reform and Dodd-Frank; Qualified Mortgage Safe Harbor; FHFA- Federal Home Loan Bank membership eligibility requirements; H.R. 3808, FHL Bank Membership; H.R. 299.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Housing finance reform; Dodd-Frank implementation; covered bond legislation; Basel III implementation; HR 299 - FHLBank membership for privately insured credit unions; qualified mortgage regulations - status of FHLBank loans- S. 1974- Relationship Lending Preservation Act of 2015; regulatory reform legislation -(S. 1484- Financial Regulatory Improvement Act of 2015); CFTC Reauthorization Legislation - Identified Banking Products treatment for FHLBank advances; FDIC Small Bank Assessment regulation; FHFA rulemaking, including FHLBank membership rule and related legislation (S. 1484; H.R. 3808); Federal Reserve Proposed Rule on Single-Counterparty Credit Exposures; Fed/FDIC/OCC proposed rule on Long Term Liquidity Requirements (NSFR); general FHLBank matters.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

Issues related to captive insurers H.R. 3808

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

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE

S. 423 - Privacy Notice Modernization Act H.R. 601 - the Eliminate Privacy Notice Confusion Act H.R. 1309 - Systemic Risk Designation Improvement Act of 2015 S.819 Export - Import Bank Reform and Reauthorization Act of 2015 H.R. 1731 - the National Cybersecurity Protection Advancement Act of 2015 S.456 - Cyber Threat Sharing Act of 2015 H.R. 2205 - the Data Security Act of 2015 S. 1484 - Financial Regulatory Improvement Act of 2015 HR 1266 - Financial Products Safety Commission Act of 2015 HR 1737 - Reforming CFPB Indirect Auto Financing Guidance Act HR 2213 - Would provide a short safe-harbor period with respect to the new TILA-RESPA Integrated Disclosure (TRID) rule until January 1, 2016 HR 1210 - Portfolio Lending and Mortgage Access Act HR 1295 - Trade Preferences Bill H.R. 3038 - The Highway and Transportation Funding Act of 2015 H.R. 2499 - Veterans Entrepreneurship Act of 2015 HR 1090 - DOL - Retail Investor Protection Act H.R. 3808 - FHLB Membership rule HR 597 - Export-Import Bank Reform and Reauthorization Act of 2015 S. 754 - CISA, Cybersecurity Information Sharing Act of 2015 H.R. 22 - The DRIVE Act (Highway funding bill) H.R. 2205 - the Data Security Act of 2015 HR 2896 - TAILOR Act H. J. Res. 88 - Disapproving the rule submitted by the Department of Labor relating to the definition of the term "Fiduciary". HR 5027- Amend the Federal Reserve Act to adjust the circumstances under which Federal reserve bank stock is callable, and for other purposes. HR 5465 - To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes. HR 6287 - MOBILE Act HR 6118 - Financial Services Innovation Act HR 5660 - Retail Checking Account Protection Act HR 5983 - Financial CHOICE Act HR 6162 - Protect Prepaid Accounts Act

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Credit Availability S1484 - The Financial Regulatory Improvement Act of 2015 Fees and Points in the QM ATR Rules of Dodd-Frank HR685 - Mortgage Choice Act of 2015 Student Loan Debt HR970 - Supporting Academic Freedom through Regulatory Relief Act HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act HR3179 - Empowering Students Through Enhanced Financial Counseling Act HR3180 - Flexible Pell Grant for 21st Century Students Act HR4162 - Credit Access and Inclusion Act of 2015 HR4652 - CLEAR Act S85 - Repay Act of 2015 S108 - Financial Aid Simplification and Transparency Act of 2015 S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights S1948 - AFFORD Act S2043 - Know Before You Owe Federal Student Loan Act of 2015 S2677 - In the Red Act of 2016 Credit Union Lending HR1188 - Credit Union Small Business Job Creations Act CFPB Reform HR1266 - Financial Product Safety Commission Act of 2015 S510 - CFPB-IG Act of 2015 Access to Manufactured Housing HR650 - Preserving Access to Manufactured Housing Act of 2015 S682 - Preserving Access to Manufactured Housing Act of 2015 GSE Reform HR22 - DRIVE Act HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR2029 - Consolidated Appropriations Act, 2016 HR4913 - Housing Finance Restructuring Act of 2016 HR__ - Moving Housing Forward Act S2038 - Jumpstart GSE Reform Act Guarantee Fees S752 - A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. HConRes125 - Establishing the congressional budget for the United States Government for fiscal year 2017 and setting forth the appropriate budgetary levels for fiscal years 2018 through 2026. RESPA/TILA Amendments/TRID HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access Act HR3192 - Homebuyers Assistance Act S1711 - A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Alternative Credit Scoring HR3035 - Credit Access and Inclusion Act of 2015 HR4211 - Credit Score Competition Act of 2015 HR4893 - Risk Management and Homeowner Stability Act of 2016 S2355 - Credit Access and Inclusion Act of 2015 Service Members Foreclosure Relief S2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 Commercial Risk Retention Rules HR4620 - Preserving Access to CRE Capital Act of 2016 FHFA HR3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. Financial Regulatory Reform HR1090 - Retail Investor Protection Act HR2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 S1484 - Financial Regulatory Improvement Act of 2015 S1491 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 HR__ - The Financial Choice Act Credit Reporting HR347 - The Facilitating Access to Credit Act HR5282 - The Comprehensive Consumer Credit Reporting Act of 2016 Federal Home Loan Bank HR__ - To amend the Federal Home Loan Bank Act to clarify the definition of an insurance company and to provide Federal Home Loan Bank membership standards for certain captive insurance companies Alternative Lending Sources HR4854 - Supporting America's Innovators Act of 2016 HR4855 - Fix Crowdfunding Act Zombie Foreclosures S3146 - Preserving Abandoned Foreclosures and Preserving Communities Act of 2016 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID/Know Before You Owe. Discussions with the Federal Housing Finance Agency (FHFA) on credit availability, appraisal issues, appraisal management companies (AMCs), GSE reform, and risk-sharing. Discussions with the Small Business Administration to discuss small business lending programs. Discussions with the Treasury on anti-money laundering and credit availability. Conversations with the Office of the Comptroller of the Currency (OCC) on appraisal issues, AMCs. Discussions with the Securities and Exchange Commission (SEC) on JOBS Act Rulemaking. Discussions with the Federal Reserve on appraisal issues, AMCs. Discussions with the Federal Deposit Insurance Corporation (FDIC) on appraisal issues, AMCs.

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

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

Government-sponsored enterprise reform. Housing finance reform. H.R. 2121, SAFE Transitional Licensing Act of 2015, all provisions. S. 1484, Financial Regulatory Improvement Act of 2015, provisions affecting mortgage banking. H.R. 3808, relating to the Federal Housing Finance Agency rule regarding membership standards for the federal home loan banks. H.R. 5485, Fiscal Year 2017 Financial Services and General Government Appropriations bill, provisions relating to the Federal Housing Finance Agency rule regarding membership standards for the federal home loan banks. Federal Home Loan Bank membership for mortgage real estate investment trusts.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Government-sponsored enterprise reform and its effect on federal home loan banks. Housing finance reform. Matters relating to specified recourse debt obligations of an eligible issuer (covered bonds) and their effect on federal home loan banks. Federal Housing Finance Agency proposed rule on Federal Home Loan Bank membership. S. 1484, Financial Regulatory Improvement Act of 2015, provisions relating to federal home loan banks, sections 102 and 124. H.R. 2289, Commodity End-User Relief Act, amendment relating to advances made by financial institutions to federal home loan banks. H.R. 3808, directing the Federal Housing Finance Agency to withdraw its proposed rule entitled "Members of Federal Home Loan Banks." H.R. 5485, Fiscal Year 2017, Financial Services and General Government Appropriations bill, relating to the Federal Housing Finance Agency rule establishing membership standards for federal home loan banks.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to captive insurers H.R. 3808

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

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE

Implementation of the Dodd-Frank Act;H.R. 2121 SAFE Transitional Licensing Act of 2015; S. 1484Financial Regulatory Improvement Act; S. 1910 FY2017 Financial Services and General Government Act; H.R. 5485 / S. 3067. HR 3808 To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Efforts related to housing finance reform and tax reform, H.R. 3808 (To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to mortgage banking. H.R.3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Housing finance reform; Dodd-Frank implementation; covered bond legislation; Basel III implementation; HR 299-FHLBank membership for privately insured credit unions; qualified mortgage regulations-status of FHLBank loans- S.1974- Relationship Lending Preservation Act of 2015); regulatory reform legislation - (S.1484- Financial Regulatory Improvement Act of 2015); CFTC Reauthorization Legislation - Identified Banking Products treatment for FHLBank advances; FDIC Small Bank Assessment regulation; FHFA rulemaking, including FHLBank membership rule and related legislation (S. 1484; H.R.3808); Federal Reserve Proposed Rule on Single-Counterparty Credit Exposures; Fed/FDIC/OCC proposed rule on Long Term Liquidity Requirements (NSFR); general FHLBank matters.

Client expense: $240,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

GSE reform and Dodd-Frank; Qualified Mortgage Safe Harbor; FHFA- Federal Home Loan Bank membership eligibility requirements; H.R. 3808, FHL Bank Membership; H.R. 299.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Housing finance reform; Dodd-Frank implementation; covered bond legislation; Basel III implementation; HR 299 - FHLBank membership for privately insured credit unions; qualified mortgage regulations - status of FHLBank loans- S. 1974- Relationship Lending Preservation Act of 2015; regulatory reform legislation -(S. 1484- Financial Regulatory Improvement Act of 2015); CFTC Reauthorization Legislation - Identified Banking Products treatment for FHLBank advances; FDIC Small Bank Assessment regulation; FHFA rulemaking, including FHLBank membership rule and related legislation (S. 1484; H.R. 3808); Federal Reserve Proposed Rule on Single-Counterparty Credit Exposures; Fed/FDIC/OCC proposed rule on Long Term Liquidity Requirements (NSFR); general FHLBank matters.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

S. 423 - Privacy Notice Modernization Act H.R. 601 - the Eliminate Privacy Notice Confusion Act H.R. 1309 - Systemic Risk Designation Improvement Act of 2015 S.819 Export - Import Bank Reform and Reauthorization Act of 2015 H.R. 1731 - the National Cybersecurity Protection Advancement Act of 2015 S.456 - Cyber Threat Sharing Act of 2015 H.R. 2205 - the Data Security Act of 2015 S. 1484 - Financial Regulatory Improvement Act of 2015 HR 1266 - Financial Products Safety Commission Act of 2015 HR 1737 - Reforming CFPB Indirect Auto Financing Guidance Act HR 2213 - Would provide a short safe-harbor period with respect to the new TILA-RESPA Integrated Disclosure (TRID) rule until January 1, 2016 HR 1210 - Portfolio Lending and Mortgage Access Act HR 1295 - Trade Preferences Bill H.R. 3038 - The Highway and Transportation Funding Act of 2015 H.R. 2499 - Veterans Entrepreneurship Act of 2015 HR 1090 - DOL - Retail Investor Protection Act H.R. 3808 - FHLB Membership rule HR 597 - Export-Import Bank Reform and Reauthorization Act of 2015 S. 754 - CISA, Cybersecurity Information Sharing Act of 2015 H.R. 22 - The DRIVE Act (Highway funding bill) H.R. 2205 - the Data Security Act of 2015 HR 2896 - TAILOR Act H. J. Res. 88 - Disapproving the rule submitted by the Department of Labor relating to the definition of the term "Fiduciary". HR 5027- Amend the Federal Reserve Act to adjust the circumstances under which Federal reserve bank stock is callable, and for other purposes. HR 5465 - To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to captive insurers H.R. 3808

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

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE

Credit Availability S1484 - The Financial Regulatory Improvement Act of 2015 Fees and Points in the QM ATR Rules of Dodd-Frank HR685 - Mortgage Choice Act of 2015 Student Loan Debt HR970 - Supporting Academic Freedom through Regulatory Relief Act HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act HR3179 - Empowering Students Through Enhanced Financial Counseling Act HR3180 - Flexible Pell Grant for 21st Century Students Act HR4162 - Credit Access and Inclusion Act of 2015 HR4652 - CLEAR Act S85 - Repay Act of 2015 S108 - Financial Aid Simplification and Transparency Act of 2015 S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights S1948 - AFFORD Act S2043 - Know Before You Owe Federal Student Loan Act of 2015 S2677 - In the Red Act of 2016 Credit Union Lending HR1188 - Credit Union Small Business Job Creations Act CFPB Reform HR1266 - Financial Product Safety Commission Act of 2015 S510 - CFPB-IG Act of 2015 Access to Manufactured Housing HR650 - Preserving Access to Manufactured Housing Act of 2015 S682 - Preserving Access to Manufactured Housing Act of 2015 GSE Reform HR22 - DRIVE Act HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR2029 - Consolidated Appropriations Act, 2016 HR__ - Housing Finance Restructuring Act of 2016 HR__ - Moving Housing Forward Act S2038 - Jumpstart GSE Reform Act Guarantee Fees S752 - A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. HConRes125 - Establishing the congressional budget for the United States Government for fiscal year 2017 and setting forth the appropriate budgetary levels for fiscal years 2018 through 2026. RESPA/TILA Amendments/TRID HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access Act HR3192 - Homebuyers Assistance Act S1711 - A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Alternative Credit Scoring HR3035 - Credit Access and Inclusion Act of 2015 HR4211 - Credit Score Competition Act of 2015 HR4893 - Risk Management and Homeowner Stability Act of 2016 S2355 - Credit Access and Inclusion Act of 2015 Service Members Foreclosure Relief S2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 Commercial Risk Retention Rules HR4620 - Preserving Access to CRE Capital Act of 2016 FHFA HR3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. Financial Regulatory Reform HR1090 - Retail Investor Protection Act HR2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 S1484 - Financial Regulatory Improvement Act of 2015 S1491 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 HR__ - The Financial Choice Act Credit Reporting HR347 - The Facilitating Access to Credit Act HR5282 - The Comprehensive Consumer Credit Reporting Act of 2016 Federal Home Loan Bank HR__ - To amend the Federal Home Loan Bank Act to clarify the definition of an insurance company and to provide Federal Home Loan Bank membership standards for certain captive insurance companies Alternative Lending Sources HR4854 - Supporting America's Innovators Act of 2016 HR4855 - Fix Crowdfunding Act Zombie Foreclosures S__ - Preserving Abandoned Foreclosures and Preserving Communities Act of 2016 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID/Know Before You Owe and credit reporting. Discussions with the Federal Housing Finance Agency (FHFA) on "Duty to Serve" and g-fees. Discussions with the Small Business Administration to discuss small business lending programs. Discussions with the Treasury on anti-money laundering and appraisal management companies (AMCs). Conversations with the Office of the Comptroller of the Currency (OCC) on banking regulations.

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

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Energy, Dept of, Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)

Government-sponsored enterprise reform. Housing finance reform. H.R. 2121, SAFE Transitional Licensing Act of 2015, all provisions. S. 1484, Financial Regulatory Improvement Act of 2015, provisions affecting mortgage banking. H.R. 3808, relating to the Federal Housing Finance Agency rule regarding membership standards for the federal home loan banks. H.R. 5485, Fiscal Year 2017 Financial Services and General Government Appropriations bill, provisions relating to the Federal Housing Finance Agency rule regarding membership standards for the federal home loan banks. Federal Home Loan Bank membership for mortgage real estate investment trusts.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Efforts related to housing finance reform and tax reform, H.R. 3808

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Government-sponsored enterprise reform and its effect on federal home loan banks. Housing finance reform. Matters relating to specified recourse debt obligations of an eligible issuer (covered bonds) and their effect on federal home loan banks. Federal Housing Finance Agency proposed rule on Federal Home Loan Bank membership. S. 1484, Financial Regulatory Improvement Act of 2015, provisions relating to federal home loan banks, sections 102 and 124. H.R. 2289, Commodity End-User Relief Act, amendment relating to advances made by financial institutions to federal home loan banks. H.R. 3808, directing the Federal Housing Finance Agency to withdraw its proposed rule entitled "Members of Federal Home Loan Banks." H.R. 5485, Fiscal Year 2017, Financial Services and General Government Appropriations bill, relating to the Federal Housing Finance Agency rule establishing membership standards for federal home loan banks.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Housing finance reform; Dodd-Frank implementation; covered bond legislation; Basel III implementation; HR 299-FHLBank membership for privately insured credit unions; qualified mortgage regulations-status of FHLBank loans- S.1974- Relationship Lending Preservation Act of 2015); regulatory reform legislation - (S.1484- Financial Regulatory Improvement Act of 2015); CFTC Reauthorization Legislation - Identified Banking Products treatment for FHLBank advances; FDIC Small Bank Assessment regulation; FHFA rulemaking, including FHLBank membership rule and related legislation (S. 1484; H.R.3808); Federal Reserve Proposed Rule on Single-Counterparty Credit Exposures; Fed/FDIC/OOO proposed rule on Long Term Liquidity Requirements (NSFR); general FHLBank matters.

Client expense: $270,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

Issues related to mortgage banking. H.R.3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of the Dodd-Frank Act;H.R. 2121 SAFE Transitional Licensing Act of 2015; S. 1484Financial Regulatory Improvement Act; S. 1910 FY2017 Financial Services and General Government Act; H.R. 5485 / S. 3067. HR 3808 To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

GSE reform and Dodd-Frank; Qualified Mortgage Safe Harbor; FHFA- Federal Home Loan Bank membership eligibility requirements; H.R. 3808, FHL Bank Membership; H.R. 299.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Housing finance reform; Dodd-Frank implementation; covered bond legislation; Basel III implementation; HR 299 - FHLBank membership for privately insured credit unions; qualified mortgage regulations - status of FHLBank loans- S. 1974- Relationship Lending Preservation Act of 2015; regulatory reform legislation -(S. 1484- Financial Regulatory Improvement Act of 2015); CFTC Reauthorization Legislation - Identified Banking Products treatment for FHLBank advances; FDIC Small Bank Assessment regulation; FHFA rulemaking, including FHLBank membership rule and related legislation (S. 1484; H.R. 3808); Federal Reserve Proposed Rule on Single-Counterparty Credit Exposures; Fed/FDIC/OOO proposed rule on Long Term Liquidity Requirements (NSFR); general FHLBank matters.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

Issues related to captive insurers H.R. 3808

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

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE

Efforts related to housing finance reform and tax reform, H.R. 3808

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Privacy Notice Modernization Act, S. 423 H.R. 601, the Eliminate Privacy Notice Confusion Act H.R. 1309 - Systemic Risk Designation Improvement Act of 2015 S.819 Export-Import Bank Reform and Reauthorization Act of 2015 H.R. 1731, the National Cybersecurity Protection Advancement Act of 2015 S.456 Cyber Threat Sharing Act of 2015 H.R. 2205, the Data Security Act of 2015 S. 1484 - Financial Regulatory Improvement Act of 2015 HR 1266 - Financial Products Safety Commission Act of 2015 HR 1737 - Reforming CFPB Indirect Auto Financing Guidance Act HR 2213 - Would provide a short safe-harbor period with respect to the new TILA-RESPA Integrated Disclosure (TRID) rule until January 1, 2016 HR 1210 - Portfolio Lending and Mortgage Access Act HR 1295 - Trade Preferences Bill H.R. 3038, The Highway and Transportation Funding Act of 2015 H.R. 2499 HR 1090 - DOL H.R. 3808 - FHLB Membership rule HR 597 - ExIm Bank S. 754 - CISA H.R. 22 - The DRIVE Act (Highway funding bill) H.R. 2205, the Data Security Act of 2015 HR 2896 - TAILOR Act

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Credit Availability S1484 - The Financial Regulatory Improvement Act of 2015 Fees and Points in the QM ATR Rules of Dodd-Frank HR685 - Mortgage Choice Act of 2015 Student Loan Debt HR970 - Supporting Academic Freedom through Regulatory Relief Act HR1131 - Fairness in Student Loan Lending Act HR1434 - Bank on Students Emergency Loan Refinancing Act HR3179 - Empowering Students Through Enhanced Financial Counseling Act HR3180 - Flexible Pell Grant for 21st Century Students Act HR4652 - CLEAR Act S85 - Repay Act of 2015 S108 - Financial Aid Simplification and Transparency Act of 2015 S729 - Fairness for Struggling Students Act of 2015 S793 - Bank on Students Emergency Loan Refinancing Act S840 - Student Loan Borrower Bill of Rights S1948 - AFFORD Act S2043 - Know Before You Owe Federal Student Loan Act of 2015 S2677 - In the Red Act of 2016 Credit Union Lending HR1188 - Credit Union Small Business Job Creations Act CFPB Reform HR1266 - Financial Product Safety Commission Act of 2015 S510 - CFPB-IG Act of 2015 Access to Manufactured Housing HR650 - Preserving Access to Manufactured Housing Act of 2015 S682 - Preserving Access to Manufactured Housing Act of 2015 GSE Reform HR22 - DRIVE Act HR1491 - Partnership to Strengthen Homeownership Act of 2015 HR2029 - Consolidated Appropriations Act, 2016 HR__ - Housing Finance Restructuring Act of 2016 HR__ - Moving Housing Forward Act S2038 - Jumpstart GSE Reform Act Guarantee Fees S752 - A bill to establish a scorekeeping rule to ensure that increases in guarantee fees of Fannie Mae and Freddie Mac shall not be used to offset provisions that increase the deficit. HConRes125 - Establishing the congressional budget for the United States Government for fiscal year 2017 and setting forth the appropriate budgetary levels for fiscal years 2018 through 2026. RESPA/TILA Amendments/TRID HR1113 - Portfolio Lending and Mortgage Access Act HR1210 - Portfolio Lending and Mortgage Access Act HR3192 - Homebuyers Assistance Act S1711 - A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. Short Sales HR4812 - Prompt Notification of Short Sales Act Mortgage Servicing Assets HR2029 - Consolidated Appropriations Act, 2016 Alternative Credit Scoring HR3035 - Credit Access and Inclusion Act of 2015 HR4211 - Credit Score Competition Act of 2015 HR4893 - Risk Management and Homeowner Stability Act of 2016 S2355 - Credit Access and Inclusion Act of 2015 Service Members Foreclosure Relief S2393 - Foreclosure Relief and Extension for Servicemembers Act of 2015 Commercial Risk Retention Rules HR4620 - Preserving Access to CRE Capital Act of 2016 FHFA HR3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. Financial Regulatory Reform HR1090 - Retail Investor Protection Act HR2642 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 S1484 - Financial Regulatory Improvement Act of 2015 S1491 - Community Lender Regulatory Relief and Consumer Protection Act of 2015 Conversations with the Consumer Finance Protection Bureau (CFPB) on TRID/Know Before You Owe. Discussions with the Federal Housing Finance Agency (FHFA) on TRID and "Duty to Serve." Discussions with the Small Business Administration to discuss small business lending programs. Discussions with the Treasury on anti-money laundering. Conversations with the Office of the Comptroller of the Currency (OCC) on Commercial lending practices. Conversations with the Securities and Exchange Commission (SEC) on crowdfunding rules.

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

Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, Veterans Affairs, Dept of (VA)

Issues related to mortgage banking. H.R.3808 - To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Government-sponsored enterprise reform. Housing finance reform. H.R. 2121, SAFE Transitional Licensing Act of 2015, all provisions. S. 1484, Financial Regulatory Improvement Act of 2015, provisions affecting mortgage banking. H.R. 3808, relating to the Federal Housing Finance Agency rule regarding membership standards for the federal home loan banks. H.R. 2029, Consolidated Appropriations Act, 2016, provisions relating to the Federal Housing Finance Agency rule regarding membership standards for the federal home loan banks. Federal Home Loan Bank membership for mortgage real estate investment trusts.

Client expense: Not reported · Firm income: $15,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Government-sponsored enterprise reform and its effect on federal home loan banks. Housing finance reform. Matters relating to specified recourse debt obligations of an eligible issuer (covered bonds) and their effect on federal home loan banks. Federal Housing Finance Agency proposed rule on Federal Home Loan Bank membership. S. 1484, Financial Regulatory Improvement Act of 2015, provisions relating to federal home loan banks, sections 102 and 124. H.R. 2289, Commodity End-User Relief Act, amendment relating to advances made by financial institutions to federal home loan banks. H.R. 3808, directing the Federal Housing Finance Agency to withdraw its proposed rule entitled "Members of Federal Home Loan Banks." H.R. 2029, Consolidated Appropriations Act, 2016, provisions relating to the Federal Housing Finance Agency rule establishing membership standards for federal home loan banks.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of the Dodd-Frank Act;H.R. 2121 SAFE Transitional Licensing Act of 2015; S. 1484Financial Regulatory Improvement Act; S. 1910 FY2016 Financial Services and General Government Act; H.R. 3808 To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE