Risk Management and Homeowner Stability Act of 2016

Support a larger 302 (b) allocation for the Transportation - HUD Appropriations bill for FY 2017. Support H.R. 372 oppose H.R. 574 Support the National Housing Trust Fund; support its funding through Fannie Mae and Freddie Mac. Support HR 2997 Oppose HR 3192 Support, in the President's budget proposal for FY 17, Additional $50 million for the Runaway and Homeless Youth Act (RHYA) programs - $2.5 million for the national prevalence, needs, and characteristics of homeless youth in America authorized by RHYA - Additional $50 million for the McKinney-Vento Education for Homeless Children and Youth (EHCYA) Program - Additional $400 million for McKinney-Vento HUD Homeless Assistance programs, of which $150 million be directed to serving homeless youth - Additional $40 million for 10 community demonstration projects to provide comprehensive approaches to serving homeless youth. - Clarifying language that all children, youth and families in vulnerable and unsafe situations should be eligible for HUD homeless assistance and waived from being required to provide third-part documentation to receive housing and supportive services with Continuum of Care funds. Support, in FY16, - Additional $50 million for the Runaway and Homeless Youth Act (RHYA) programs - $2.5 million for the national prevalence, needs, and characteristics of homeless youth in America authorized by RHYA - Additional $50 million for the McKinney-Vento Education for Homeless Children and Youth (EHCYA) Program Support HR 1662 Oppose S. 2038 Support principle reduction of mortgages Support the Low Income Housing Support funding for several programs related to child labor, forced labor, and human trafficking in FY 2017 Labor-HHS-Education funding bill. Specifically, Specifically, Services and Benefits for Victims of Trafficking; $32,000,000 for the HHS / Administration for Children and Families; $2,500, for the HHS / Administration for Children and Families / The National Human Trafficking Resource Center; $165,000,000 for the HHS / Administration of Children and Families / Runaway and Homeless Youth Act; Support funding for several programs related to child labor, forced labor, and human trafficking in FY 2017 Transportation-HUD funding bill. Specifically, $33,000,000 to fund comprehensive continuum of care projects for homeless and runaway youth. Support funding for HUDs Affirmatively Furthering Fair Housing program in FY17 Support substantive changes to ensure that the LIHTC program will further the Administrations goals of promoting racial and socioeconomic integration and provide ladders of opportunity to low-income families - particularly Black and Latino families. Support FHFAs effort to provide Extra Credit for Residential Economic Diversity Activities. Support EPA coordination with HUD, and both to engage in the AFFH process and leverage it for its other nondiscrimination investigations and enforcement. Support including language preference in the Uniform Residential Loan Application (URLA). Support $15 million for a new Housing Choice Voucher Mobility Demonstration. Support Al Green, TX, amendment to HR 3700 Support HR 3700 Support Moore (WI) Fair Housing amendment to HR 1927 Support Collins (ME) motion to table Lee (UT) amendment 3897 Oppose Lee (UT) amendment 3897 Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Support making the AFFH Assessment tool more effective and closing gaps Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4888 Support HR 4893 Support principal reduction by HUD and FHFA. Support S 3164 Support HUDs proposed rules to narrow the digital divide by requiring broadband infrastructure installation in HUD-funded construction and modernizing HUDs Consolidated Plan process. Support the Federal Housing Administration (FHA) permitting its borrowers to use the Property Assessed Clean Energy (PACE) program to finance home improvements that increase energy efficiency and lower utility costs Support HUDs proposal to implement Small Area Fair Market Rents in metropolitan areas where Housing Choice Voucher families are most severely clustered in high poverty neighborhoods. Support HUD responding to its IG report on down payment assistance (DPA) and not restricting DPA by geography Support the following improvements in the AFFH Local Assessment Tool: The need for stronger community participation and consultation elements; More accountability around the use of local knowledge and data (for which participants go beyond the HUD-supplied data, and assess the particular problems of the community in more range and depth); The need to assess whether the requirement to incorporate the AFHs goals into other planning processes has been met; Improvements to the Opportunity Indices, specifically in assessing education, environmental health, and transportation; The need to include assessment of other civil rights enforcement (beyond fair housing), such as Title V I; Changes to the Inserts that HUD includes for secondary participants, such as requiring them to identify contributing factors, incorporate community participation that focuses on those participants, and evaluate PHA programmatic features. Oppose Congressional efforts to attach piecemeal GSE reform as amendments to must pass legislation. Support HR 6211 Support Principal reduction Support improvements in proposed Affirmatively Furthering Fair Housing tool for public housing authorities; support the inclusion of Low Income Housing Tax Credit demographic data; support the inclusion of PHA waiting list questions. Support the implementation of best practices in the PACE program, including a strong ability-to-repay; contract assignee liability; a requirement of recorded phone calls with borrower confirmation before and after home improvement work; a prohibition on mandatory arbitration clauses in PACE contracts; foreclosure prevention measures; and a requirement that programs participants in the PACE program direct low-income borrowers to low-cost alternatives. Support more robust directives around community participation, use of local data/knowledge, and linked accountability for civil rights enforcement for Affirmatively Furthering Fair Housing tool (AFH). Also support states AFH to assess additional contributing factors particular to state legal and financial authority, which differs in nature as well as in degree from localities; and the need for HUD to adjust its language in order to clearly and consistently encourage the use of local data, local knowledge, community participation, and interagency coordination. Support mortgage servicers to employ a phone hotline to efficiently address the most pressing of mortgage problems. Support OMB approval of HUD-proposed AFFH tools Support better cross-subsidization in the GSEs pricing so that borrowers across the credit spectrum, including those with less than perfect credit, may have better and more affordable access to conventional mortgage credit

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Bureau of Alcohol Tobacco Firearms & Explosives, Bureau of Prisons (BOP), Bureau of the Census, Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Defense, Dept of (DOD), Education, Dept of, Election Assistance Commission (EAC), Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Institute of Standards & Technology (NIST), Natl Telecommunications & Information Administration (NTIA), Office of Faith-Based & Community Initiatives, Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA), White House Office

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.

H.R. 4893, the Risk Management and Homeowner Stability Act of 2016, a bill to amend the Congressional Budget Act of 1974 to prohibit the chairs of the congressional budget committees from counting increases to guarantee fees as offsets for budget enforcement purposes; entire bill. General education concerning solar energy and real estate; no bill introduced. General education concerning flood insurance; no bill introduced. General education concerning housing finance reform; no bill introduced.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Examination Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to Ginnie Mae capital Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System. Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to indirect auto lending Issues related to fixed assets Issues related to merchant data breaches Issues related to the payments system Issues related to FHFA proposed rules and FHLB eligibility for credit unions Issues related to Federal Reserve Regulatory D Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to Housing Finance Reform Issues related to the implementation of the remittances provisions in the Dodd-Frank Act Issues related to NCUAs proposal rule on Member Business Lending Issues related to NCUAs proposed rule on Interest on Lawyer Trust Accounts (IOLTA) Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the Feds implementation of same-day ACH Issues related to the regulation of corporate credit unions Issues related to the CFPBs proposed regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the payday, vehicle title, and similar lending Issues related to the CFPBs consumer complaint database Issues related to NCUAs Fixed Assets rule Issues related to NCUAs definition of small entity Issues related to NCUA's Proposed Rule on Member Business Lending Issues related to the Department of Labor's Proposed Rule on the Definition of Fiduciary Issues related to the Telephone Consumer Protection Act Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the Department of Labor's Proposed Overtime Eligibility rule Issues related to credit union conversions Issues related to the CFPB's proposal on arbitration Issues related to secure payments Issues related to credit union call report modernization H.R. 9, the Innovation Act, all provisions H.R. 22, the FAST Act, Title LXXV, provisions related to privacy notice requirements; Title LXXXII, provisions related to the eligibility of privately insured credit unions to join a Federal Home Loan Bank; Title LXXXIX, provisions related to the designation of rural areas by the Consumer Financial Protection Bureau H.R. 185, Regulatory Accountability Act of 2015 H.R. 299, the Capital Access for Small Community Financial Institutions Act of 2015, all provisions H.R. 527, the Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 601, the Eliminate Privacy Notice Confusion Act, all provisions H.R. 650, Preserving Access to Manufactured Housing Act, all provision H.R. 685, the Mortgage Choice Act, all provisions H.R. 766, Financial Institution Consumer Protection Act, all provisions H.R. 957, the Bureau of Consumer Financial Protection Inspector General Reform Act, all provisions H.R. 989, the Capital Access for Small Businesses Jobs Creation Act, all provisions H.R. 1090, Retail Investor Protection Act, all provisions H.R. 1176, the NCUA Budget Transparency Act, all provisions H.R. 1188, the Credit Union Small Business Jobs Creation Act, all provisions H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act, all provisions H.R. 1210, the Portfolio Lending and Mortgage Access Act, H.R. 1233, the Community Lending Enhancement and Regulatory Relief Act of 2015 H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act, all provisions H.R. 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1265, the Bureau Advisory Commission Transparency Act, all provision H.R. 1266, the Financial Products Safety Commission Act of 2015 H.R. 1408, requiring a study of the capital requirements for mortgage servicing assets H.R. 1422, the Credit Union Residential Loan Parity Act H.R. 1480, the SAFE Confidentiality and Privilege Enhancement Act H.R. 1523, Community Bank Access to Capital Act of 2015 H.R. 1529, the Community Institution Mortgage Relief Act Discussion Draft, Data Security and Breach Notification Act of 2015 H.R. 1660, the Federal Savings Association Charter Flexibility Act, all provisions H.R. 1941, the Financial Institution Examination Fairness and Reform Act H.R. 2205, the Data Security Act H.R. 2213, 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. H.R. 2287, the National Credit Union Administration Budget Transparency Act H.R. 2473, the Preserving Capital Access and Mortgage Liquidity Act H.R. 2769, the Risk-Based Capital Study Act, all provisions H.R. 2896, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act H.R. 3192, the Homebuyer Assistance Act, all provisions H.R. 4538, the Senior $afe Act, all provisions H.R. 4893, the Risk Management and Homeowner Stability Act, all provisions H.R. 4997, the Home Mortgage Disclosure Adjustment Act, all provisions H.R. 5465, a bill to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, all provisions H.R. 5983, the Financial CHOICE Act, all provisions S. 423, the Privacy Notice Modernization Act, all provisions S. 482, the Consumer Financial Protection Bureau Examination Reporting Threshold Act of 2015, all provisions S. 774 Financial Institutions Examination Fairness and Reform Act, all provisions S. 871, the Helping Expand Lending Practices in (HELP) Rural Communities Act S. 924, the National Credit Union Administration Budget Transparency Act S. 961, the Data Security Act S. 1367, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions S. 1440, the Credit Union Residential Loan Parity Act S. 1484, the Financial Regulatory Improvement Act, Title I S. 2216, the Senior$afe Act, all provisions The Heck-Stivers Amendment to H.R. 1735, the National Defense Authorization Act, related to the Department of Defenses MLA Database Discussion draft of the Financial Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs (CHOICE) Act, all provisions

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.

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" (also known as the "Fiduciary Responsibility" rule) regarding retirement savings. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685 Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law Support S. 1133 / H.R.2087 Support HR 2362 Oppose S 1484 Oppose HR 1737 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Urge FHA to improve its current proposal to change the certification requirements that lenders must make in order to secure Federal Housing Administration insurance on a mortgage loan and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Oppose HR 1266 Oppose H.R. 4018 Support principle reduction of mortgages Oppose H.R. 766. Support Operation Choke Point. Support a strong implementation of the Holder Rule, which says that when a seller of a good or service originates or helps arrange credit, the consumer is allowed to raise the sellers misconduct as a basis for bringing claims or defenses against the entity holding the debt. Oppose any financial riders on FY17 spending bills. Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts.Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Support making the AFFH Assessment tool more effective and closing gaps Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the Community Reinvestment Act Support the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual. Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA. Support proposed CFPB rule to limit forced arbitration by financial services Support letter by Congressman Meeks (NY) to federal bank regulators that seeks reforms to CRA regulations and examinations practices. Support the proposed affordability standard set by Federal Insurance Office for future auto insurance research Oppose HR 5893 Support the inclusion of a company satisfaction survey to the CFPBs complaint process. Oppose CFPB outline of proposed regulations of debt collection as they fail to sufficiently improve protect consumers victimized by predatory debt collection practices. Support proposed rule on short-term loans, including payday and car title loans, support strengthening rule to close loopholes, Oppose Congressional efforts to attach piecemeal GSE reform as amendments to must pass legislation. Oppose HR 5485 Oppose Guinta (NH)"auto lending" amendment to HR 5485 Support Sewell (AL)"payday lending" amendment to HR 5485 Support Moore (WI) "CFPB" amendment to HR 5485 Support Ellison "arbitration" amendment to HR 5485

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's "Fiduciary Responsibility" rule. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685. Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 Oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law. Support S. 1133 / H.R.2087 Support HR 2362 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Support the Federal Insurance Office‟s effort to assess the affordability and accessibility of auto insurance in low-wealth communities, communities of color and underserved communities and the proposed definition of affordability and Affected Persons. Oppose HR 1266 Oppose S. 2038 Oppose H.R. 4018 Support principle reduction of mortgages by Fannie Mae and Freddie Mac Oppose H.R. 766. Support Operation Choke Point. Support full funding in FY 2017 for the 2020 Census and for the ACS Oppose any financial riders on FY17 spending bills Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts. Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden. Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the ComSupport the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual.munity Reinvestment Act Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA. Support proposed CFPB rule to limit forced arbitration by financial services Support letter by Congressman Meeks (NY) to federal bank regulators that seeks reforms to CRA regulations and examinations practices. Support the proposed affordability standard set by Federal Insurance Office for future auto insurance research Oppose HR 5893 Support the inclusion of a company satisfaction survey to the CFPBs complaint process Oppose CFPB outline of proposed regulations of debt collection as they fail to sufficiently improve protect consumers victimized by predatory debt collection practices. Support proposed rule on short-term loans, including payday and car title loans, support strengthening rule to close loopholes. Oppose Congressional efforts to attach piecemeal GSE reform as amendments to must pass legislation. Oppose HR 5485 Oppose Guinta (NH)"auto lending" amendment to HR 5485 Support Sewell (AL)"payday lending" amendment to HR 5485 Support Moore (WI) "CFPB" amendment to HR 5485 Support Ellison "arbitration" amendment to HR 5485

Support a larger 302 (b) allocation for the Transportation - HUD Appropriations bill for FY 2017. Support H.R. 372 oppose H.R. 574 Support the National Housing Trust Fund; support its funding through Fannie Mae and Freddie Mac. Support HR 2997 Oppose HR 3192 Support, in the President's budget proposal for FY 17, Additional $50 million for the Runaway and Homeless Youth Act (RHYA) programs - $2.5 million for the national prevalence, needs, and characteristics of homeless youth in America authorized by RHYA - Additional $50 million for the McKinney-Vento Education for Homeless Children and Youth (EHCYA) Program - Additional $400 million for McKinney-Vento HUD Homeless Assistance programs, of which $150 million be directed to serving homeless youth - Additional $40 million for 10 community demonstration projects to provide comprehensive approaches to serving homeless youth. - Clarifying language that all children, youth and families in vulnerable and unsafe situations should be eligible for HUD homeless assistance and waived from being required to provide third-part documentation to receive housing and supportive services with Continuum of Care funds. Support, in FY16, - Additional $50 million for the Runaway and Homeless Youth Act (RHYA) programs - $2.5 million for the national prevalence, needs, and characteristics of homeless youth in America authorized by RHYA - Additional $50 million for the McKinney-Vento Education for Homeless Children and Youth (EHCYA) Program Support HR 1662 Oppose S. 2038 Support principle reduction of mortgages Support the Low Income Housing Support funding for several programs related to child labor, forced labor, and human trafficking in FY 2017 Labor-HHS-Education funding bill. Specifically, Specifically, Services and Benefits for Victims of Trafficking; $32,000,000 for the HHS / Administration for Children and Families; $2,500, for the HHS / Administration for Children and Families / The National Human Trafficking Resource Center; $165,000,000 for the HHS / Administration of Children and Families / Runaway and Homeless Youth Act; Support funding for several programs related to child labor, forced labor, and human trafficking in FY 2017 Transportation-HUD funding bill. Specifically, $33,000,000 to fund comprehensive continuum of care projects for homeless and runaway youth. Support funding for HUDs Affirmatively Furthering Fair Housing program in FY17 Support substantive changes to ensure that the LIHTC program will further the Administrations goals of promoting racial and socioeconomic integration and provide ladders of opportunity to low-income families - particularly Black and Latino families. Support FHFAs effort to provide Extra Credit for Residential Economic Diversity Activities. Support EPA coordination with HUD, and both to engage in the AFFH process and leverage it for its other nondiscrimination investigations and enforcement. Support including language preference in the Uniform Residential Loan Application (URLA). Support $15 million for a new Housing Choice Voucher Mobility Demonstration. Support Al Green, TX, amendment to HR 3700 Support HR 3700 Support Moore (WI) Fair Housing amendment to HR 1927 Support Collins (ME) motion to table Lee (UT) amendment 3897 Oppose Lee (UT) amendment 3897 Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Support making the AFFH Assessment tool more effective and closing gaps Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4888 Support HR 4893 Support principal reduction by HUD and FHFA. Support S 3164 Support HUDs proposed rules to narrow the digital divide by requiring broadband infrastructure installation in HUD-funded construction and modernizing HUDs Consolidated Plan process. Support the Federal Housing Administration (FHA) permitting its borrowers to use the Property Assessed Clean Energy (PACE) program to finance home improvements that increase energy efficiency and lower utility costs Support HUDs proposal to implement Small Area Fair Market Rents in metropolitan areas where Housing Choice Voucher families are most severely clustered in high poverty neighborhoods. Support HUD responding to its IG report on down payment assistance (DPA) and not restricting DPA by geography Support the following improvements in the AFFH Local Assessment Tool: The need for stronger community participation and consultation elements; More accountability around the use of local knowledge and data (for which participants go beyond the HUD-supplied data, and assess the particular problems of the community in more range and depth); The need to assess whether the requirement to incorporate the AFHs goals into other planning processes has been met; Improvements to the Opportunity Indices, specifically in assessing education, environmental health, and transportation; The need to include assessment of other civil rights enforcement (beyond fair housing), such as Title V I; Changes to the Inserts that HUD includes for secondary participants, such as requiring them to identify contributing factors, incorporate community participation that focuses on those participants, and evaluate PHA programmatic features. Oppose Congressional efforts to attach piecemeal GSE reform as amendments to must pass legislation. Support HR 6211 Support Principal reduction

Oppose sequestration Oppose mandatory budget caps. Support continued federal funding of innocence and forensic science programs at the Department of Justice and the National Institute of Standards and Technology at the Department of Commerce in the final FY 2017 appropriations bill. Support a larger 302 (b) allocation for the Transportation - HUD Appropriations bill for FY 2017. Support the Prevention and Public Health Fund. Support a significant increase funding for federal programs that address domestic violence, sexual assault, dating violence and stalking Oppose HR 2578 Support the inclusion of funding for Juvenile Justice Programs through the Juvenile Justice and Delinquency Prevention Program (JJDPA) in the House Appropriations Bill for the Departments of Commerce, Justice, and Science and related Agencies for FY 2017 Support funding for Planned Parenthood and Planned Parenthood affiliates. Support Voter registration through Federally Funded Health Insurance Exchanges Oppose policy "riders" on appropriations bills. Support sufficient FY2017 funding level for the 2020 Census and American Community Survey Oppose rider to any appropriation bill which would prohibit funds being spent by the Department of Education implementing its Gainful Employment regulation. Oppose any riders in appropriations bills which would limit or forestall CFPB action on arbitration. Urge Congress to allocate a sufficient new 302(b) allocation for the FY 2017 Commerce, Justice, Science and Related Agencies appropriations bill so that criminal and juvenile justice grant programs can be adequately funded. Support S. 2235 Support S. 1513 / H.R. 3406; support full funding for the Second Chance Act. Oppose any policy riders to an omnibus appropriations bill which would in any way weaken or change the structure of the CFPB Oppose riders which may authorize DC Private School Vouchers. Support providing the FY17 Commerce, Justice, Science, and Related Agencies Appropriations (CJS) bill with the highest 302(b) allocation possible to ensure adequate funding for key criminal and juvenile justice grant programs within the bill. Support a strong implementation of the Holder Rule, which says that when a seller of a good or service originates or helps arrange credit, the consumer is allowed to raise the sellers misconduct as a basis for bringing claims or defenses. Support funding for several programs related to child labor, forced labor, and human trafficking in FY 2017 Labor-HHS-Education funding bill. Specifically, $129,325,000 for the DOL International Affairs Labor Bureau; $5,000,000 for the DOL / Department of Wage and Hour / Services and Benefits for Victims of Trafficking; $32,000,000 for the HHS / Administration for Children and Families; $2,500, for the HHS / Administration for Children and Families / The National Human Trafficking Resource Center; $165,000,000 for the HHS / Administration of Children and Families / Runaway and Homeless Youth Act; $85,000,000for the Department of Education / McKinney - Vento Act Education for Homeless Children and Youth Program; $2,000,000 for ED grants for Local Education Agencies Under Title I Support funding for several programs related to child labor, forced labor, and human trafficking in FY 2017 Transportation-HUD funding bill. Specifically, $33,000,000 to fund comprehensive continuum of care projects for homeless and runaway youth. Oppose any financial riders on FY17 spending bills. Support funding for HUDs Affirmatively Furthering Fair Housing program in FY17 Support adequate funding for critical juvenile justice and delinquency prevention programs in the final Fiscal Year 2017 Commerce, Justice, Science, and Related Agencies (CJS) Appropriations bill. Support adequate funding for innocence and forensic science programs in FY 17. Specifically, $5 million for the DoJ Wrongful Conviction Review Program; $5 million for the Kirk Bloodsworth Post-Conviction DNA Testing Program; $14 million for the Paul Coverdell Forensic Sciences Improvement Grant Program; $5 million for the DoJ National Commission on Forensic Science; and $15 million for NIST. Support an increase in funding for programs that serve victims of sexual assault and domestic violence (including VAWA, VOC, and FVPSA) in FY 2017. Oppose Balanced Budget Amendment to the US Constitution. Oppose efforts to redirect funding from Pell Grants for other purposes as you advance the FY 2017 appropriations process Support $15 million for a new Housing Choice Voucher Mobility Demonstration. Oppose any riders on DC Appropriations for FY 2017 which impede or otherwise ban DCs established policy Oppose Fleming (LA) immigration amendment to HR 4974 Support Huffman (CA) confederate flag amendment to HR 4974 Oppose Gosar (AZ) labor organization amendment to HR 4974 Oppose Perry (PA) project labor agreement amendment to HR 4974 Support Maloney (NY) anti-LGBT discrimination amendment to HR 4974 Oppose Pittenger (NC) North Carolina amendment to HR 5055 Support Maloney (NY) anti LGBT discrimination amendment to HR 5055 Oppose Byrne (Ala) religious institutions amendment to HR 5055 Support Collins (ME) motion to table Lee (UT) amendment 3897 Oppose Lee (UT) amendment 3897 Support Murphy (CT) amendment 4750 to HR 2578 Oppose Grassley (IA) amendment 4751 to HR 2578 Oppose Cornyn (TX) amendment 4749 to HR 2578 Support Feinstein (CA) amendment 4720 to HR 2578 Oppose amendments #31 and #34 offered by Representative Pittenger (NC) to H.R. 5055 Support Murray amendment to the FY 2017 Commerce, Justice, and Science Appropriations bill to provide funding for the Equal Employment Opportunity Commission (EEOC) to implement a rule supplementing the information collected through the Employer Information Report (EEO-1) to include pay data from many employers. Support HR 4893 Oppose any CR that does not contain money for Flint water mitigation. Oppose HR 5485 Oppose Guinta (NH)"auto lending" amendment to HR 5485 Support Sewell (AL)"payday lending" amendment to HR 5485 Support Moore (WI) "CFPB" amendment to HR 5485 Support Ellison "arbitration" amendment to HR 5485 Support Grijalva amendment #41 to HR 5538 Oppose Palmer (AL) #41 to HR 5485 Support Norton (DC) amendment #19 to HR 5485

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Examination Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to Ginnie Mae capital Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System. Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to indirect auto lending Issues related to fixed assets Issues related to merchant data breaches Issues related to the payments system Issues related to FHFA proposed rules and FHLB eligibility for credit unions Issues related to Federal Reserve Regulatory D Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to Housing Finance Reform Issues related to the implementation of the remittances provisions in the Dodd-Frank Act Issues related to NCUAs proposal rule on Member Business Lending Issues related to NCUAs proposed rule on Interest on Lawyer Trust Accounts (IOLTA) Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the Feds implementation of same-day ACH Issues related to the regulation of corporate credit unions Issues related to the CFPBs proposed regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the payday, vehicle title, and similar lending Issues related to the CFPBs consumer complaint database Issues related to NCUAs Fixed Assets rule Issues related to NCUAs definition of small entity Issues related to NCUA's Proposed Rule on Member Business Lending Issues related to the Department of Labor's Proposed Rule on the Definition of Fiduciary Issues related to the Telephone Consumer Protection Act Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the Department of Labor's Proposed Overtime Eligibility rule Issues related to credit union conversions Issues related to the CFPB's proposal on arbitration Issues related to secure payments Issues related to credit union call report modernization H.R. 9, the Innovation Act, all provisions H.R. 22, the FAST Act, Title LXXV, provisions related to privacy notice requirements; Title LXXXII, provisions related to the eligibility of privately insured credit unions to join a Federal Home Loan Bank; Title LXXXIX, provisions related to the designation of rural areas by the Consumer Financial Protection Bureau H.R. 185, Regulatory Accountability Act of 2015 H.R. 299, the Capital Access for Small Community Financial Institutions Act of 2015, all provisions H.R. 527, the Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 601, the Eliminate Privacy Notice Confusion Act, all provisions H.R. 650, Preserving Access to Manufactured Housing Act, all provision H.R. 685, the Mortgage Choice Act, all provisions H.R. 766, Financial Institution Consumer Protection Act, all provisions H.R. 957, the Bureau of Consumer Financial Protection Inspector General Reform Act, all provisions H.R. 989, the Capital Access for Small Businesses Jobs Creation Act, all provisions H.R. 1090, Retail Investor Protection Act, all provisions H.R. 1176, the NCUA Budget Transparency Act, all provisions H.R. 1188, the Credit Union Small Business Jobs Creation Act, all provisions H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act, all provisions H.R. 1210, the Portfolio Lending and Mortgage Access Act, H.R. 1233, the Community Lending Enhancement and Regulatory Relief Act of 2015 H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act, all provisions H.R. 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1265, the Bureau Advisory Commission Transparency Act, all provision H.R. 1266, the Financial Products Safety Commission Act of 2015 H.R. 1408, requiring a study of the capital requirements for mortgage servicing assets H.R. 1422, the Credit Union Residential Loan Parity Act H.R. 1480, the SAFE Confidentiality and Privilege Enhancement Act H.R. 1523, Community Bank Access to Capital Act of 2015 H.R. 1529, the Community Institution Mortgage Relief Act Discussion Draft, Data Security and Breach Notification Act of 2015 H.R. 1660, the Federal Savings Association Charter Flexibility Act, all provisions H.R. 1941, the Financial Institution Examination Fairness and Reform Act H.R. 2205, the Data Security Act H.R. 2213, 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. H.R. 2287, the National Credit Union Administration Budget Transparency Act H.R. 2473, the Preserving Capital Access and Mortgage Liquidity Act H.R. 2769, the Risk-Based Capital Study Act, all provisions H.R. 2896, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act H.R. 3192, the Homebuyer Assistance Act, all provisions H.R. 4638, the Senior $afe Act, all provisions H.R. 4893, the Risk Management and Homeowner Stability Act, all provisions H.R. 4997, the Home Mortgage Disclosure Adjustment Act, all provisions H.R. 5465, a bill to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, all provisions H.R. 5983, the Financial CHOICE Act, all provisions S. 423, the Privacy Notice Modernization Act, all provisions S. 482, the Consumer Financial Protection Bureau Examination Reporting Threshold Act of 2015, all provisions S. 774 Financial Institutions Examination Fairness and Reform Act, all provisions S. 871, the Helping Expand Lending Practices in (HELP) Rural Communities Act S. 924, the National Credit Union Administration Budget Transparency Act S. 961, the Data Security Act S. 1367, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions S. 1440, the Credit Union Residential Loan Parity Act S. 1484, the Financial Regulatory Improvement Act, Title I S. 2216, the Senior$afe Act, all provisions The Heck-Stivers Amendment to H.R. 1735, the National Defense Authorization Act, related to the Department of Defenses MLA Database Discussion draft of the Financial Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs (CHOICE) Act, all provisions

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" (also known as the "Fiduciary Responsibility" rule) regarding retirement savings. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685 Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law Support S. 1133 / H.R.2087 Support HR 2362 Oppose S 1484 Oppose HR 1737 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Urge FHA to improve its current proposal to change the certification requirements that lenders must make in order to secure Federal Housing Administration insurance on a mortgage loan and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Oppose HR 1266 Oppose H.R. 4018 Support principle reduction of mortgages Oppose H.R. 766. Support Operation Choke Point. Support a strong implementation of the Holder Rule, which says that when a seller of a good or service originates or helps arrange credit, the consumer is allowed to raise the sellers misconduct as a basis for bringing claims or defenses against the entity holding the debt. Oppose any financial riders on FY17 spending bills. Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts.Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Support making the AFFH Assessment tool more effective and closing gaps Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the Community Reinvestment Act Support the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual. Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA. Support proposed CFPB rule to limit forced arbitration by financial services Support letter by Congressman Meeks (NY) to federal bank regulators that seeks reforms to CRA regulations and examinations practices. Support the proposed affordability standard set by Federal Insurance Office for future auto insurance research Oppose HR 5893 Support the inclusion of a company satisfaction survey to the CFPBs complaint process. Oppose CFPB outline of proposed regulations of debt collection as they fail to sufficiently improve protect consumers victimized by predatory debt collection practices. Support proposed rule on short-term loans, including payday and car title loans, support strengthening rule to close loopholes, Oppose Congressional efforts to attach piecemeal GSE reform as amendments to must pass legislation.

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's "Fiduciary Responsibility" rule. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685. Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 Oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law. Support S. 1133 / H.R.2087 Support HR 2362 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Support the Federal Insurance Office‟s effort to assess the affordability and accessibility of auto insurance in low-wealth communities, communities of color and underserved communities and the proposed definition of affordability and Affected Persons. Oppose HR 1266 Oppose S. 2038 Oppose H.R. 4018 Support principle reduction of mortgages by Fannie Mae and Freddie Mac Oppose H.R. 766. Support Operation Choke Point. Support full funding in FY 2017 for the 2020 Census and for the ACS Oppose any financial riders on FY17 spending bills Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts. Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden. Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the ComSupport the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual.munity Reinvestment Act Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA. Support proposed CFPB rule to limit forced arbitration by financial services Support letter by Congressman Meeks (NY) to federal bank regulators that seeks reforms to CRA regulations and examinations practices. Support the proposed affordability standard set by Federal Insurance Office for future auto insurance research Oppose HR 5893 Support the inclusion of a company satisfaction survey to the CFPBs complaint process Oppose CFPB outline of proposed regulations of debt collection as they fail to sufficiently improve protect consumers victimized by predatory debt collection practices. Support proposed rule on short-term loans, including payday and car title loans, support strengthening rule to close loopholes. Oppose Congressional efforts to attach piecemeal GSE reform as amendments to must pass legislation.

Oppose sequestration Oppose mandatory budget caps. Support continued federal funding of innocence and forensic science programs at the Department of Justice and the National Institute of Standards and Technology at the Department of Commerce in the final FY 2017 appropriations bill. Support a larger 302 (b) allocation for the Transportation - HUD Appropriations bill for FY 2017. Support the Prevention and Public Health Fund. Support a significant increase funding for federal programs that address domestic violence, sexual assault, dating violence and stalking Oppose HR 2578 Support the inclusion of funding for Juvenile Justice Programs through the Juvenile Justice and Delinquency Prevention Program (JJDPA) in the House Appropriations Bill for the Departments of Commerce, Justice, and Science and related Agencies for FY 2017 Support funding for Planned Parenthood and Planned Parenthood affiliates. Support Voter registration through Federally Funded Health Insurance Exchanges Oppose policy "riders" on appropriations bills. Support sufficient FY2017 funding level for the 2020 Census and American Community Survey Oppose rider to any appropriation bill which would prohibit funds being spent by the Department of Education implementing its Gainful Employment regulation. Oppose any riders in appropriations bills which would limit or forestall CFPB action on arbitration. Urge Congress to allocate a sufficient new 302(b) allocation for the FY 2017 Commerce, Justice, Science and Related Agencies appropriations bill so that criminal and juvenile justice grant programs can be adequately funded. Support S. 2235 Support S. 1513 / H.R. 3406; support full funding for the Second Chance Act. Oppose any policy riders to an omnibus appropriations bill which would in any way weaken or change the structure of the CFPB Oppose riders which may authorize DC Private School Vouchers. Support providing the FY17 Commerce, Justice, Science, and Related Agencies Appropriations (CJS) bill with the highest 302(b) allocation possible to ensure adequate funding for key criminal and juvenile justice grant programs within the bill. Support a strong implementation of the Holder Rule, which says that when a seller of a good or service originates or helps arrange credit, the consumer is allowed to raise the sellers misconduct as a basis for bringing claims or defenses. Support funding for several programs related to child labor, forced labor, and human trafficking in FY 2017 Labor-HHS-Education funding bill. Specifically, $129,325,000 for the DOL International Affairs Labor Bureau; $5,000,000 for the DOL / Department of Wage and Hour / Services and Benefits for Victims of Trafficking; $32,000,000 for the HHS / Administration for Children and Families; $2,500, for the HHS / Administration for Children and Families / The National Human Trafficking Resource Center; $165,000,000 for the HHS / Administration of Children and Families / Runaway and Homeless Youth Act; $85,000,000for the Department of Education / McKinney - Vento Act Education for Homeless Children and Youth Program; $2,000,000 for ED grants for Local Education Agencies Under Title I Support funding for several programs related to child labor, forced labor, and human trafficking in FY 2017 Transportation-HUD funding bill. Specifically, $33,000,000 to fund comprehensive continuum of care projects for homeless and runaway youth. Oppose any financial riders on FY17 spending bills. Support funding for HUDs Affirmatively Furthering Fair Housing program in FY17 Support adequate funding for critical juvenile justice and delinquency prevention programs in the final Fiscal Year 2017 Commerce, Justice, Science, and Related Agencies (CJS) Appropriations bill. Support adequate funding for innocence and forensic science programs in FY 17. Specifically, $5 million for the DoJ Wrongful Conviction Review Program; $5 million for the Kirk Bloodsworth Post-Conviction DNA Testing Program; $14 million for the Paul Coverdell Forensic Sciences Improvement Grant Program; $5 million for the DoJ National Commission on Forensic Science; and $15 million for NIST. Support an increase in funding for programs that serve victims of sexual assault and domestic violence (including VAWA, VOC, and FVPSA) in FY 2017. Oppose Balanced Budget Amendment to the US Constitution. Oppose efforts to redirect funding from Pell Grants for other purposes as you advance the FY 2017 appropriations process Support $15 million for a new Housing Choice Voucher Mobility Demonstration. Oppose any riders on DC Appropriations for FY 2017 which impede or otherwise ban DCs established policy Oppose Fleming (LA) immigration amendment to HR 4974 Support Huffman (CA) confederate flag amendment to HR 4974 Oppose Gosar (AZ) labor organization amendment to HR 4974 Oppose Perry (PA) project labor agreement amendment to HR 4974 Support Maloney (NY) anti-LGBT discrimination amendment to HR 4974 Oppose Pittenger (NC) North Carolina amendment to HR 5055 Support Maloney (NY) anti LGBT discrimination amendment to HR 5055 Oppose Byrne (Ala) religious institutions amendment to HR 5055 Support Collins (ME) motion to table Lee (UT) amendment 3897 Oppose Lee (UT) amendment 3897 Support Murphy (CT) amendment 4750 to HR 2578 Oppose Grassley (IA) amendment 4751 to HR 2578 Oppose Cornyn (TX) amendment 4749 to HR 2578 Support Feinstein (CA) amendment 4720 to HR 2578 Oppose amendments #31 and #34 offered by Representative Pittenger (NC) to H.R. 5055 Support Murray amendment to the FY 2017 Commerce, Justice, and Science Appropriations bill to provide funding for the Equal Employment Opportunity Commission (EEOC) to implement a rule supplementing the information collected through the Employer Information Report (EEO-1) to include pay data from many employers. Support HR 4893 Oppose any CR that does not contain money for Flint water mitigation.

Support a larger 302 (b) allocation for the Transportation - HUD Appropriations bill for FY 2017. Support H.R. 372 oppose H.R. 574 Support the National Housing Trust Fund; support its funding through Fannie Mae and Freddie Mac. Support HR 2997 Oppose HR 3192 Support, in the President's budget proposal for FY 17, Additional $50 million for the Runaway and Homeless Youth Act (RHYA) programs - $2.5 million for the national prevalence, needs, and characteristics of homeless youth in America authorized by RHYA - Additional $50 million for the McKinney-Vento Education for Homeless Children and Youth (EHCYA) Program - Additional $400 million for McKinney-Vento HUD Homeless Assistance programs, of which $150 million be directed to serving homeless youth - Additional $40 million for 10 community demonstration projects to provide comprehensive approaches to serving homeless youth. - Clarifying language that all children, youth and families in vulnerable and unsafe situations should be eligible for HUD homeless assistance and waived from being required to provide third-part documentation to receive housing and supportive services with Continuum of Care funds. Support, in FY16, - Additional $50 million for the Runaway and Homeless Youth Act (RHYA) programs - $2.5 million for the national prevalence, needs, and characteristics of homeless youth in America authorized by RHYA - Additional $50 million for the McKinney-Vento Education for Homeless Children and Youth (EHCYA) Program Support HR 1662 Oppose S. 2038 Support principle reduction of mortgages Support the Low Income Housing Support funding for several programs related to child labor, forced labor, and human trafficking in FY 2017 Labor-HHS-Education funding bill. Specifically, Specifically, Services and Benefits for Victims of Trafficking; $32,000,000 for the HHS / Administration for Children and Families; $2,500, for the HHS / Administration for Children and Families / The National Human Trafficking Resource Center; $165,000,000 for the HHS / Administration of Children and Families / Runaway and Homeless Youth Act; Support funding for several programs related to child labor, forced labor, and human trafficking in FY 2017 Transportation-HUD funding bill. Specifically, $33,000,000 to fund comprehensive continuum of care projects for homeless and runaway youth. Support funding for HUDs Affirmatively Furthering Fair Housing program in FY17 Support substantive changes to ensure that the LIHTC program will further the Administrations goals of promoting racial and socioeconomic integration and provide ladders of opportunity to low-income families - particularly Black and Latino families. Support FHFAs effort to provide Extra Credit for Residential Economic Diversity Activities. Support EPA coordination with HUD, and both to engage in the AFFH process and leverage it for its other nondiscrimination investigations and enforcement. Support including language preference in the Uniform Residential Loan Application (URLA). Support $15 million for a new Housing Choice Voucher Mobility Demonstration. Support Al Green, TX, amendment to HR 3700 Support HR 3700 Support Moore (WI) Fair Housing amendment to HR 1927 Support Collins (ME) motion to table Lee (UT) amendment 3897 Oppose Lee (UT) amendment 3897 Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Support making the AFFH Assessment tool more effective and closing gaps Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4888 Support HR 4893 Support principal reduction by HUD and FHFA. Support S 3164 Support HUDs proposed rules to narrow the digital divide by requiring broadband infrastructure installation in HUD-funded construction and modernizing HUDs Consolidated Plan process. Support the Federal Housing Administration (FHA) permitting its borrowers to use the Property Assessed Clean Energy (PACE) program to finance home improvements that increase energy efficiency and lower utility costs Support HUDs proposal to implement Small Area Fair Market Rents in metropolitan areas where Housing Choice Voucher families are most severely clustered in high poverty neighborhoods. Support HUD responding to its IG report on down payment assistance (DPA) and not restricting DPA by geography Support the following improvements in the AFFH Local Assessment Tool: The need for stronger community participation and consultation elements; More accountability around the use of local knowledge and data (for which participants go beyond the HUD-supplied data, and assess the particular problems of the community in more range and depth); The need to assess whether the requirement to incorporate the AFHs goals into other planning processes has been met; Improvements to the Opportunity Indices, specifically in assessing education, environmental health, and transportation; The need to include assessment of other civil rights enforcement (beyond fair housing), such as Title V I; Changes to the Inserts that HUD includes for secondary participants, such as requiring them to identify contributing factors, incorporate community participation that focuses on those participants, and evaluate PHA programmatic features. Oppose Congressional efforts to attach piecemeal GSE reform as amendments to must pass legislation. Support HR 6211 Support Principal reduction

Oppose sequestration Oppose mandatory budget caps. Support continued federal funding of innocence and forensic science programs at the Department of Justice and the National Institute of Standards and Technology at the Department of Commerce in the final FY 2017 appropriations bill. Support a larger 302 (b) allocation for the Transportation - HUD Appropriations bill for FY 2017. Support the Prevention and Public Health Fund. Support a significant increase funding for federal programs that address domestic violence, sexual assault, dating violence and stalking Oppose HR 2578 Support the inclusion of funding for Juvenile Justice Programs through the Juvenile Justice and Delinquency Prevention Program (JJDPA) in the House Appropriations Bill for the Departments of Commerce, Justice, and Science and related Agencies for FY 2017 Support funding for Planned Parenthood and Planned Parenthood affiliates. Support Voter registration through Federally Funded Health Insurance Exchanges Oppose policy "riders" on appropriations bills. Support sufficient FY2017 funding level for the 2020 Census and American Community Survey Oppose rider to any appropriation bill which would prohibit funds being spent by the Department of Education implementing its Gainful Employment regulation. Oppose any riders in appropriations bills which would limit or forestall CFPB action on arbitration. Urge Congress to allocate a sufficient new 302(b) allocation for the FY 2017 Commerce, Justice, Science and Related Agencies appropriations bill so that criminal and juvenile justice grant programs can be adequately funded. Support S. 2235 Support S. 1513 / H.R. 3406; support full funding for the Second Chance Act. Oppose any policy riders to an omnibus appropriations bill which would in any way weaken or change the structure of the CFPB Oppose riders which may authorize DC Private School Vouchers. Support providing the FY17 Commerce, Justice, Science, and Related Agencies Appropriations (CJS) bill with the highest 302(b) allocation possible to ensure adequate funding for key criminal and juvenile justice grant programs within the bill. Support a strong implementation of the Holder Rule, which says that when a seller of a good or service originates or helps arrange credit, the consumer is allowed to raise the sellers misconduct as a basis for bringing claims or defenses. Support funding for several programs related to child labor, forced labor, and human trafficking in FY 2017 Labor-HHS-Education funding bill. Specifically, $129,325,000 for the DOL International Affairs Labor Bureau; $5,000,000 for the DOL / Department of Wage and Hour / Services and Benefits for Victims of Trafficking; $32,000,000 for the HHS / Administration for Children and Families; $2,500, for the HHS / Administration for Children and Families / The National Human Trafficking Resource Center; $165,000,000 for the HHS / Administration of Children and Families / Runaway and Homeless Youth Act; $85,000,000for the Department of Education / McKinney - Vento Act Education for Homeless Children and Youth Program; $2,000,000 for ED grants for Local Education Agencies Under Title I Support funding for several programs related to child labor, forced labor, and human trafficking in FY 2017 Transportation-HUD funding bill. Specifically, $33,000,000 to fund comprehensive continuum of care projects for homeless and runaway youth. Oppose any financial riders on FY17 spending bills. Support funding for HUDs Affirmatively Furthering Fair Housing program in FY17 Support adequate funding for critical juvenile justice and delinquency prevention programs in the final Fiscal Year 2017 Commerce, Justice, Science, and Related Agencies (CJS) Appropriations bill. Support adequate funding for innocence and forensic science programs in FY 17. Specifically, $5 million for the DoJ Wrongful Conviction Review Program; $5 million for the Kirk Bloodsworth Post-Conviction DNA Testing Program; $14 million for the Paul Coverdell Forensic Sciences Improvement Grant Program; $5 million for the DoJ National Commission on Forensic Science; and $15 million for NIST. Support an increase in funding for programs that serve victims of sexual assault and domestic violence (including VAWA, VOC, and FVPSA) in FY 2017. Oppose Balanced Budget Amendment to the US Constitution. Oppose efforts to redirect funding from Pell Grants for other purposes as you advance the FY 2017 appropriations process Support $15 million for a new Housing Choice Voucher Mobility Demonstration. Oppose any riders on DC Appropriations for FY 2017 which impede or otherwise ban DCs established policy Oppose Fleming (LA) immigration amendment to HR 4974 Support Huffman (CA) confederate flag amendment to HR 4974 Oppose Gosar (AZ) labor organization amendment to HR 4974 Oppose Perry (PA) project labor agreement amendment to HR 4974 Support Maloney (NY) anti-LGBT discrimination amendment to HR 4974 Oppose Pittenger (NC) North Carolina amendment to HR 5055 Support Maloney (NY) anti LGBT discrimination amendment to HR 5055 Oppose Byrne (Ala) religious institutions amendment to HR 5055 Support Collins (ME) motion to table Lee (UT) amendment 3897 Oppose Lee (UT) amendment 3897 Support Murphy (CT) amendment 4750 to HR 2578 Oppose Grassley (IA) amendment 4751 to HR 2578 Oppose Cornyn (TX) amendment 4749 to HR 2578 Support Feinstein (CA) amendment 4720 to HR 2578 Oppose amendments #31 and #34 offered by Representative Pittenger (NC) to H.R. 5055 Support Murray amendment to the FY 2017 Commerce, Justice, and Science Appropriations bill to provide funding for the Equal Employment Opportunity Commission (EEOC) to implement a rule supplementing the information collected through the Employer Information Report (EEO-1) to include pay data from many employers. Support HR 4893

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's "Fiduciary Responsibility" rule. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685. Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 Oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law. Support S. 1133 / H.R.2087 Support HR 2362 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Support the Federal Insurance Office‟s effort to assess the affordability and accessibility of auto insurance in low-wealth communities, communities of color and underserved communities and the proposed definition of affordability and Affected Persons. Oppose HR 1266 Oppose S. 2038 Oppose H.R. 4018 Support principle reduction of mortgages by Fannie Mae and Freddie Mac Oppose H.R. 766. Support Operation Choke Point. Support full funding in FY 2017 for the 2020 Census and for the ACS Oppose any financial riders on FY17 spending bills Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts. Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden. Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the ComSupport the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual.munity Reinvestment Act Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA.

Support a larger 302 (b) allocation for the Transportation - HUD Appropriations bill for FY 2017. Support H.R. 372 oppose H.R. 574 Support the National Housing Trust Fund; support its funding through Fannie Mae and Freddie Mac. Support HR 2997 Oppose HR 3192 Support, in the President's budget proposal for FY 17, Additional $50 million for the Runaway and Homeless Youth Act (RHYA) programs - $2.5 million for the national prevalence, needs, and characteristics of homeless youth in America authorized by RHYA - Additional $50 million for the McKinney-Vento Education for Homeless Children and Youth (EHCYA) Program - Additional $400 million for McKinney-Vento HUD Homeless Assistance programs, of which $150 million be directed to serving homeless youth - Additional $40 million for 10 community demonstration projects to provide comprehensive approaches to serving homeless youth. - Clarifying language that all children, youth and families in vulnerable and unsafe situations should be eligible for HUD homeless assistance and waived from being required to provide third-part documentation to receive housing and supportive services with Continuum of Care funds. Support, in FY16, - Additional $50 million for the Runaway and Homeless Youth Act (RHYA) programs - $2.5 million for the national prevalence, needs, and characteristics of homeless youth in America authorized by RHYA - Additional $50 million for the McKinney-Vento Education for Homeless Children and Youth (EHCYA) Program Support HR 1662 Oppose S. 2038 Support principle reduction of mortgages Support the Low Income Housing Support funding for several programs related to child labor, forced labor, and human trafficking in FY 2017 Labor-HHS-Education funding bill. Specifically, Specifically, Services and Benefits for Victims of Trafficking; $32,000,000 for the HHS / Administration for Children and Families; $2,500, for the HHS / Administration for Children and Families / The National Human Trafficking Resource Center; $165,000,000 for the HHS / Administration of Children and Families / Runaway and Homeless Youth Act; Support funding for several programs related to child labor, forced labor, and human trafficking in FY 2017 Transportation-HUD funding bill. Specifically, $33,000,000 to fund comprehensive continuum of care projects for homeless and runaway youth. Support funding for HUDs Affirmatively Furthering Fair Housing program in FY17 Support substantive changes to ensure that the LIHTC program will further the Administrations goals of promoting racial and socioeconomic integration and provide ladders of opportunity to low-income families - particularly Black and Latino families. Support FHFAs effort to provide Extra Credit for Residential Economic Diversity Activities. Support EPA coordination with HUD, and both to engage in the AFFH process and leverage it for its other nondiscrimination investigations and enforcement. Support including language preference in the Uniform Residential Loan Application (URLA). Support $15 million for a new Housing Choice Voucher Mobility Demonstration. Support Al Green, TX, amendment to HR 3700 Support HR 3700 Support Moore (WI) Fair Housing amendment to HR 1927 Support Collins (ME) motion to table Lee (UT) amendment 3897 Oppose Lee (UT) amendment 3897 Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Support making the AFFH Assessment tool more effective and closing gaps Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4888 Support HR 4893 Support principal reduction by HUD and FHFA.

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" (also known as the "Fiduciary Responsibility" rule) regarding retirement savings. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685 Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law Support S. 1133 / H.R.2087 Support HR 2362 Oppose S 1484 Oppose HR 1737 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Urge FHA to improve its current proposal to change the certification requirements that lenders must make in order to secure Federal Housing Administration insurance on a mortgage loan and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Oppose HR 1266 Oppose H.R. 4018 Support principle reduction of mortgages Oppose H.R. 766. Support Operation Choke Point. Support a strong implementation of the Holder Rule, which says that when a seller of a good or service originates or helps arrange credit, the consumer is allowed to raise the sellers misconduct as a basis for bringing claims or defenses against the entity holding the debt. Oppose any financial riders on FY17 spending bills. Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts.Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Support making the AFFH Assessment tool more effective and closing gaps Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the Community Reinvestment Act Support the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual. Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA.

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.

H.R. 4893"Risk Management and Homeowner Stability Act"

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

Government targets: Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Treasury, Dept of, U.S. Forest Service

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Examination Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to Ginnie Mae capital Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System. Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to indirect auto lending Issues related to fixed assets Issues related to merchant data breaches Issues related to the payments system Issues related to FHFA proposed rules and FHLB eligibility for credit unions Issues related to Federal Reserve Regulatory D Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to Housing Finance Reform Issues related to the implementation of the remittances provisions in the Dodd-Frank Act Issues related to NCUAs proposal rule on Member Business Lending Issues related to NCUAs proposed rule on Interest on Lawyer Trust Accounts (IOLTA) Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the Feds implementation of same-day ACH Issues related to the regulation of corporate credit unions Issues related to the CFPBs proposed regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the payday, vehicle title, and similar lending Issues related to the CFPBs consumer complaint database Issues related to NCUAs Fixed Assets rule Issues related to NCUAs definition of small entity Issues related to NCUA's Proposed Rule on Member Business Lending Issues related to the Department of Labor's Proposed Rule on the Definition of Fiduciary Issues related to the Telephone Consumer Protection Act Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the Department of Labor's Proposed Overtime Eligibility rule Issues related to credit union conversions Issues related to the CFPB's proposal on arbitration Issues related to secure payments Issues related to credit union call report modernization H.R. 9, the Innovation Act, all provisions H.R. 22, the FAST Act, Title LXXV, provisions related to privacy notice requirements; Title LXXXII, provisions related to the eligibility of privately insured credit unions to join a Federal Home Loan Bank; Title LXXXIX, provisions related to the designation of rural areas by the Consumer Financial Protection Bureau H.R. 185, Regulatory Accountability Act of 2015 H.R. 299, the Capital Access for Small Community Financial Institutions Act of 2015, all provisions H.R. 527, the Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 601, the Eliminate Privacy Notice Confusion Act, all provisions H.R. 650, Preserving Access to Manufactured Housing Act, all provision H.R. 685, the Mortgage Choice Act, all provisions H.R. 766, Financial Institution Consumer Protection Act, all provisions H.R. 957, the Bureau of Consumer Financial Protection Inspector General Reform Act, all provisions H.R. 989, the Capital Access for Small Businesses Jobs Creation Act, all provisions H.R. 1090, Retail Investor Protection Act, all provisions H.R. 1176, the NCUA Budget Transparency Act, all provisions H.R. 1188, the Credit Union Small Business Jobs Creation Act, all provisions H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act, all provisions H.R. 1210, the Portfolio Lending and Mortgage Access Act, H.R. 1233, the Community Lending Enhancement and Regulatory Relief Act of 2015 H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act, all provisions H.R. 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1265, the Bureau Advisory Commission Transparency Act, all provision H.R. 1266, the Financial Products Safety Commission Act of 2015 H.R. 1408, requiring a study of the capital requirements for mortgage servicing assets H.R. 1422, the Credit Union Residential Loan Parity Act H.R. 1480, the SAFE Confidentiality and Privilege Enhancement Act H.R. 1523, Community Bank Access to Capital Act of 2015 H.R. 1529, the Community Institution Mortgage Relief Act Discussion Draft, Data Security and Breach Notification Act of 2015 H.R. 1660, the Federal Savings Association Charter Flexibility Act, all provisions H.R. 1941, the Financial Institution Examination Fairness and Reform Act H.R. 2205, the Data Security Act H.R. 2213, 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. H.R. 2287, the National Credit Union Administration Budget Transparency Act H.R. 2473, the Preserving Capital Access and Mortgage Liquidity Act H.R. 2769, the Risk-Based Capital Study Act, all provisions H.R. 2896, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act H.R. 3192, the Homebuyer Assistance Act, all provisions H.R. 4893, the Risk Management and Homeowner Stability Act, all provisions H.R. 5465, a bill to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, all provisions S. 423, the Privacy Notice Modernization Act, all provisions S. 482, the Consumer Financial Protection Bureau Examination Reporting Threshold Act of 2015, all provisions S. 774 Financial Institutions Examination Fairness and Reform Act, all provisions S. 871, the Helping Expand Lending Practices in (HELP) Rural Communities Act S. 924, the National Credit Union Administration Budget Transparency Act S. 961, the Data Security Act S. 1367, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions S. 1440, the Credit Union Residential Loan Parity Act S. 1484, the Financial Regulatory Improvement Act, Title I S. 2216, the Senior$afe Act, all provisions The Heck-Stivers Amendment to H.R. 1735, the National Defense Authorization Act, related to the Department of Defenses MLA Database Discussion draft of the Financial Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs (CHOICE) Act, all provisions

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.

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Examination Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to Ginnie Mae capital Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System. Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to indirect auto lending Issues related to fixed assets Issues related to merchant data breaches Issues related to the payments system Issues related to FHFA proposed rules and FHLB eligibility for credit unions Issues related to Federal Reserve Regulatory D Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to Housing Finance Reform Issues related to the implementation of the remittances provisions in the Dodd-Frank Act Issues related to NCUAs proposal rule on Member Business Lending Issues related to NCUAs proposed rule on Interest on Lawyer Trust Accounts (IOLTA) Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the Feds implementation of same-day ACH Issues related to the regulation of corporate credit unions Issues related to the CFPBs proposed regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the payday, vehicle title, and similar lending Issues related to the CFPBs consumer complaint database Issues related to NCUAs Fixed Assets rule Issues related to NCUAs definition of small entity Issues related to NCUA's Proposed Rule on Member Business Lending Issues related to the Department of Labor's Proposed Rule on the Definition of Fiduciary Issues related to the Telephone Consumer Protection Act Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the Department of Labor's Proposed Overtime Eligibility rule Issues related to credit union conversions Issues related to the CFPB's proposal on arbitration Issues related to secure payments H.R. 9, the Innovation Act, all provisions H.R. 22, the FAST Act, Title LXXV, provisions related to privacy notice requirements; Title LXXXII, provisions related to the eligibility of privately insured credit unions to join a Federal Home Loan Bank; Title LXXXIX, provisions related to the designation of rural areas by the Consumer Financial Protection Bureau H.R. 185, Regulatory Accountability Act of 2015 H.R. 299, the Capital Access for Small Community Financial Institutions Act of 2015, all provisions H.R. 527, the Small Business Regulatory Flexibility Improvements Act of 2015 H.R. 601, the Eliminate Privacy Notice Confusion Act, all provisions H.R. 650, Preserving Access to Manufactured Housing Act, all provision H.R. 685, the Mortgage Choice Act, all provisions H.R. 766, Financial Institution Consumer Protection Act, all provisions H.R. 957, the Bureau of Consumer Financial Protection Inspector General Reform Act, all provisions H.R. 989, the Capital Access for Small Businesses Jobs Creation Act, all provisions H.R. 1090, Retail Investor Protection Act, all provisions H.R. 1176, the NCUA Budget Transparency Act, all provisions H.R. 1188, the Credit Union Small Business Jobs Creation Act, all provisions H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act, all provisions H.R. 1210, the Portfolio Lending and Mortgage Access Act, H.R. 1233, the Community Lending Enhancement and Regulatory Relief Act of 2015 H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act, all provisions H.R. 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015 H.R. 1265, the Bureau Advisory Commission Transparency Act, all provision H.R. 1266, the Financial Products Safety Commission Act of 2015 H.R. 1408, requiring a study of the capital requirements for mortgage servicing assets H.R. 1422, the Credit Union Residential Loan Parity Act H.R. 1480, the SAFE Confidentiality and Privilege Enhancement Act H.R. 1523, Community Bank Access to Capital Act of 2015 H.R. 1529, the Community Institution Mortgage Relief Act Discussion Draft, Data Security and Breach Notification Act of 2015 H.R. 1660, the Federal Savings Association Charter Flexibility Act, all provisions H.R. 1941, the Financial Institution Examination Fairness and Reform Act H.R. 2205, the Data Security Act H.R. 2213, 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. H.R. 2287, the National Credit Union Administration Budget Transparency Act H.R. 2473, the Preserving Capital Access and Mortgage Liquidity Act H.R. 2769, the Risk-Based Capital Study Act, all provisions H.R. 2896, the TAILOR Act H.R. 3192, the Homebuyer Assistance Act, all provisions H.R. 4893, the Risk Management and Homeowner Stability Act, all provisions S. 423, the Privacy Notice Modernization Act, all provisions S. 482, the Consumer Financial Protection Bureau Examination Reporting Threshold Act of 2015, all provisions S. 774 Financial Institutions Examination Fairness and Reform Act, all provisions S. 871, the Helping Expand Lending Practices in (HELP) Rural Communities Act S. 924, the National Credit Union Administration Budget Transparency Act S. 961, the Data Security Act S. 1367, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions S. 1440, the Credit Union Residential Loan Parity Act S. 1484, the Financial Regulatory Improvement Act, Title I S. 2216, the Senior$afe Act, all provisions The Heck-Stivers Amendment to H.R. 1735, the National Defense Authorization Act, related to the Department of Defenses MLA Database