Eliminate Privacy Notice Confusion Act

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

Client expense: $1,090,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of

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

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Aviation Administration (FAA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Highway Administration (FHA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Natl Geospatial Intelligence Agency, Natl Highway Traffic Safety Administration (NHTSA), Natl Transportation Safety Board (NTSB), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

H.R.601; S. 423; H.R. 2995; H.R. 5465; S. 1910 - Discussed issues related to interchange fees and settlement; discussed consumer protection issues related to financial services and products.

Client expense: $670,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

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 proposed short-term loan rule, support strengthening to close loopholes Support providing credit reports in multiple languages for LEP individuals Support automatic debt relief for the defrauded former students of the for-profit Corinthian Colleges, Inc. Oppose all financial services riders to any and all appropriations bills Support FTC using its rulemaking authority to go after discriminatory auto lending Oppose rent-a-bank lending. Support increased FDIC oversight, as proposed by the FDIC, but call for additional measures including: A) The FDIC should not allow its member institutions to rent their charters; B) The FDICs definition of significant risk activity should mirror that of the Office of the Comptroller of the Currency (OCC) Third-Party Relationship Guidance; and C) The FDIC should propose guidance with stronger limits on third-party relationships and bring its regulation in line with the OCC. Oppose any riders to any appropriations bills that would weaken or undermine the CFPB, Dodd-Frank, Department of Labors conflict -of-interest rule (aka fiduciary rule) or other financial reform and accountability legislation or regulation. Support mortgage servicers to employ a phone hotline to efficiently address the most pressing of mortgage problems. Oppose HR 6392 Support S 3491 Support proposed CFPB Consumer Satisfaction Survey

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

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 Support proposed short-term loan rule, support strengthening to close loopholes Support providing credit reports in multiple languages for LEP individuals Support automatic debt relief for the defrauded former students of the for-profit Corinthian Colleges, Inc. Oppose all financial services riders to any and all appropriations bills Support FTC using its rulemaking authority to go after discriminatory auto lending Oppose rent-a-bank lending. Support increased FDIC oversight, as proposed by the FDIC, but call for additional measures including: A) The FDIC should not allow its member institutions to rent their charters; B) The FDICs definition of significant risk activity should mirror that of the Office of the Comptroller of the Currency (OCC) Third-Party Relationship Guidance; and C) The FDIC should propose guidance with stronger limits on third-party relationships and bring its regulation in line with the OCC. Oppose any riders to any appropriations bills that would weaken or undermine the CFPB, Dodd-Frank, Department of Labors conflict -of-interest rule (aka fiduciary rule) or other financial reform and accountability legislation or regulation. Support mortgage servicers to employ a phone hotline to efficiently address the most pressing of mortgage problems. Oppose HR 6392 Support S 3491 Support proposed CFPB Consumer Satisfaction Survey

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

H.R. 601 Eliminate Privacy Notice Confusion Act H.R. 1262 Consumer Right to Financial Privacy Act of 2015 S. 2038 Jumpstart GSE Reform Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Mobile banking, cyber security, data security, restrictions on the use of data and privacy including the following legislation: Protecting Cyber Networks Act (HR 1560); National Cybersecurity Protection Advancement Act of 2015 (HR 1731); Data Security and Breach Notification Act of 2015 (HR 1770); Cybersecurity Information Sharing Act of 2015 (S 754); Eliminate Privacy Notice Confusion Act (HR 601); and Data Security Act of 2015 (HR 2205/S 961); Digital Security Commission Act of 2016 (HR 4651/S 2604); Financial Choice Act (HR 5983).

Client expense: $830,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial Regulatory Reform and issues pertaining to the Credit Union industry. H.R. 299 The Capital Access for Small Community Financial Institutions Act of 2015; H.R. 601/S. 423 re: Privacy Notification Requirements of Credit Unions; H.R. 989 The Capital Access for Small Businesses and Jobs Act pertaining to Credit Union access to supplemental capital. Restoration of business bonding authority to Credit Unions. NCUA review of Authority of Federal Credit Unions to invest in Reserve Fund Deposits offered by the Massachusetts Credit Union Share Insurance Corporation.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial Regulatory Reform and issues pertaining to the Credit Union industry. H.R. 299 The Capital Access for Small Community Financial Institutions Act of 2015; H.R. 601/S. 423 re: Privacy Notification Requirements of Credit Unions; H.R. 989 The Capital Access for Small Businesses and Jobs Act pertaining to Credit Union access to supplemental capital. Restoration of business bonding authority to Credit Unions. NCUA review of Authority of Federal Credit Unions to invest in Reserve Fund Deposits offered by the Massachusetts Credit Union Share Insurance Corporation.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

Client expense: $500,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

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

H.R. 601, the Eliminate Privacy Notice Confusion Act (to provide an exemption from the Gramm-Leach-Bliley Acts annual notice requirement for institutions that have not changed their privacy policies and only share personal information within the statutory exceptions. S. 423, the Privacy Notice Modernization Act (counterpart to H.R. 601). H.R. 1113, the Portfolio Lending and Mortgage Access Act; H.R. 1210, the Portfolio Lending and Mortgage Access Act (would provide that loans originated and held in portfolio are treated as Qualified Mortgages). H.R. 1233, the CLEARR Act of 2015 (to provide an exemption from the Gramm-Leach-Bliley Acts annual notice requirement). S. 812, the CLEAR Relief Act of 2015 (a companion bill to H.R. 1233). H.R. 888, Subsidy Reserve Act of 2015, to require nonbank financial companies supervised by the Federal Reserve Board and bank holding companies over $500 billion of assets to establish and maintain Subsidy Reserves. H.R. 1389, the American Jobs and Community Revitalization Act (provides a QM Safe Harbor for loans held in portfolio and establishes an application process for treatment as a rural or underserved area for purposes of QM. H.R. 1408, The Mortgage Servicing Asset Capital Requirements Act (postpones Basel III rules on mortgage servicing assets until their impact can be studied). H.R. 1529, the Community Institution Mortgage Relief Act (provides a legal safe harbor from escrow requirements for smaller institutions that hold loans in portfolio for three years). H.R. 3468, Credit Union Share Insurance Fund Parity Act (amended the Federal Credit Union Act to extend insurance coverage to IOLTAs.) H.R. 3791, to raise the consolidated assets threshold under the small bank holding company policy statement. H.R. 1334, the Holding Company Registration Threshold Equalization Act H.R. 1259/ S. 871, the Helping Expand Lending Practices (HELP) in Rural Communities Act S. 1484, the Financial Regulatory Improvement Act of 2015 H.R. 2896/S.3153, the TAILOR Act H.R. 766/S. 2790, the Financial Institution Consumer Protection Act of 2015 H.R. 1553, the Small Bank Exam Cycle Reform Act of 2015 H.R. 4116/S.3373, to ensure that the reciprocal deposits of an insured depository institution are not considered to be funds obtained by or through a deposit broker H.R. 5660, Retail Checking Account Protection Act of 2016 H.R. 4500, Community Bank Reporting Relief Act H.R 2209, to require the appropriate federal banking agencies to treat certain municipal obligations as level 2A liquid assets H.R. 5027, to amend the Federal Reserve Act to adjust the circumstances under which Federal Reserve bank stock is callable H.R. 5465, to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes H.R. 6162, to ensure that prepaid funds deposited in an insured depository institution satisfy the requirements of the primary purpose exclusion to the definition of deposit broker S. 3404, to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets Basel Capital Rules Basel Liquidity Rules Accountability for Basel/FSB negotiations Volcker Rule Reform DoL Fiduciary Rule H.R. 5983, The Financial CHOICE Act De novo banks

Client expense: $2,840,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE

Loans for component suppliers PL 111-203: Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 601 - Eliminate Privacy Notice Confusion Act S. 423 - Privacy Notice Modernization Act of 2015 H.R. 1233 - Community Lending Enhancement And Regulatory Relief (CLEARR) Act of 2015 H.R. 1265 - Bureau Advisory Commission Transparency Act H.R. 37 - Promoting Job Creation and Reducing Small Business Burdens Act H.R. 26 - Terrorism Risk Insurance Program Reauthorization Act of 2015 H.R. 2289 Commodity End-User Relief Act H.R. 1737 - Reforming CFPB Indirect Auto Financing Guidance Act S. 2663 - Reforming CFPB Indirect Auto Financing Guidance Act

Client expense: $1,134,183 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Surface Transportation Board (STB), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

PL 111-203: Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 601 - Eliminate Privacy Notice Confusion Act S. 423 - Privacy Notice Modernization Act of 2015 H.R. 1233 - Community Lending Enhancement And Regulatory Relief (CLEARR) Act of 2015 H.R. 1265 - Bureau Advisory Commission Transparency Act H.R. 37 - Promoting Job Creation and Reducing Small Business Burdens Act H.R. 26 - Terrorism Risk Insurance Program Reauthorization Act of 2015 H.R. 2289 - Commodity End-User Relief Act H.R. 1737 - Reforming CFPB Indirect Auto Financing Guidance Act S. 2663 - Reforming CFPB Indirect Auto Financing Guidance Act

Client expense: $1,134,183 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Surface Transportation Board (STB), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

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

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Aviation Administration (FAA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Highway Administration (FHA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Natl Geospatial Intelligence Agency, Natl Highway Traffic Safety Administration (NHTSA), Natl Transportation Safety Board (NTSB), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Issues related to: Anti-Money Laundering (AML); S. 3067 and H.R. 5485 - FY17 Financial Services and General Government appropriations; Credit Card/Interchange Fees; Retirement Security; Data Breach; Automobile Financing; Arbitration; Structure and Activities of the Office of Financial Research; S. 510 Bureau of Consumer Financial Protection-Inspector General Reform Act; S. 774 Financial Institutions Examination Fairness and Reform Act; H.R. 185 Regulatory Accountability Act; H.R. 601 Eliminate Privacy Notice Confusion Act; H.R.1233 Community Lending Enhancement and Regulatory Relief Act of 2015; H.R.37 Promoting Job Creation and Reducing Small Business Burdens Act; S. 961 The Data Security Act; H.R 2205 The Data Security Act; H.R.1550 Financial Stability Oversight Council Improvement Act of 2015; H.R 1266 Financial Product Safety Commission Act; Federal Reserve Dividend Revenue; S. 1484 Financial Regulatory Improvement Act; H.R. 3738, Office of Financial Research Accountability Act of 2015; Implications of the Federal Reserve dividend reduction section contained in PL 114-94, the Drive Act; Senior $afe Act (H.R.4538; S.2216); Financial Stability Oversight Council Reform Act (H.R.3340; issues related to cybersecurity and financial services; H.R. 1309 - Systemic Risk Designation Improvement Act of 2015; S.2251, Seniors And Veterans Emergency Benefits Act or the SAVE Benefits Act; Retirement Enhancement and Savings Act; H.R. 5983, Financial CHOICE Act,Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs.

Client expense: $950,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Federal Regulatory Activity OCC guidance on derivatives under Dodd-Frank; CFPB Ability to Repay Rule and Qualified Mortgage Rule; CFPB mortgage servicing final rules (TILA and RESPA); CFPB escrow final rule under Dodd-Frank; CFPB loan originator and mortgage servicing rules; Basel Committee Liquidity Standard; FDIC appraisal requirements under Dodd-Frank; Federal Reserve proposed rule on enhanced prudential standards and early remediation requirements for large foreign banks under Dodd-Frank; Federal banking agency revisions to Call Report rules; FEMA/ National Flood Insurance; OCC lending limits rule; SEC municipal advisor rule, GSE repurchases; Section 619, Dodd-Frank Wall Street Reform and Consumer Protection Act. Final Rule, Volcker Rule, IRS Regulation 67(e), FDIC brokered Deposits rule; Department of Labor Fiduciary Rule Federal Legislative Activity Cybersecurity legislation: (H.R. 1731, S.1927, S.961); Regulatory Relief bills (H.R. 601, H.R. 1259, H.R.1480, H.R.1265, H.R. 685, S.774, S.1484, H.R.1553), Community Banks legislation (H.R. 1389, H.R. 1233), Portfolio Lending relief (H.R.1210); credit union tax treatment (H.R. 1188), Mutual Bank legislation (H.R.4252); Mutual Charter Relief (H.R. 1660, H.R. 1661), Patent Troll relief (S.1137), the TAILOR Act (H.R.2896), Highway Trust Fund/ Federal Reserve Dividend; Retail Investor Protection Act (H.R. 1090); TILA RESPA Safe Harbor (H.R.3192); Interchange Fees (H.R.5465); Data Security Act (H.R. 2205)

Client expense: $35,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA)

EGRPRA Regulatory Review - Identify provisions that my provide regulatory relief. HR 1660 - Federal Savings Association Charter Flexibility Act of 2015 - HOLA amendments providing flexibility to operate as a national bank. CFPB revision package - Provisions subjecting the agency to additional oversight. HR 9 - The Innovation Act - Provisions addressing vague demand letter of patent trolls. HR 601 - Provisions eliminating privacy notice disclosure requirements. HR 1265 - Bureau Advisory Commission Transparency Act - Advisory counsel for the CFPB HR 1480 SAFE Act - confidentiality of information banks share with state regulators. HR 1660-Federal Savings Association Charter Flexibility Act - charter flexibility HR 1233 - CLEARR Act - Regulatory reduction provisions S 1484-Financial Regulation Improvement Act - Regulatory reduction provisions. S 2896 - TAILOR Act- Regulatory reduction provisions H1941/S774 - Financial Institutions Examination Fairness & Reform Act - timely & consistent examination report provisions. HR 5465 - Durbin Amendment repeal bill - repeal provisions. HR 2213 - Provisions for a formal grace period from enforcement under TILA-RESPA. HR 601 - Eliminate Privacy Notice Confusion Act - privacy notice exemptions. HR 1478/S798 - Policyholder Protection Act - Source of strength provisions.

Client expense: $158,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Internet, marketing, and data protection issues Potential privacy, data security, and breach notification legislation in House of Representatives and Senate S. 668 - Data Broker Accountability and Transparency Act of 2015 H.R. 4516 - Data Broker Accountability and Transparency Act H.R. 1770 - Data Security and Breach Notification Act of 2015 S. 177 - Data Security and Breach Notification Act H.R. 580 - Data Accountability and Trust Act S. 961 - Data Security Act of 2015 S. 1027 - Data Breach Notification and Punishing Cyber Criminals Act H.R. 1704 - Personal Data Notification and Protection Act S. 1158 - Consumer Privacy Protection Act H.R. 2977 - Consumer Privacy Protection Act H.R. 2205 - Data Security Act H.R. 2092 - Student Digital Privacy and Parental Rights Act of 2015 S. 1322 - Protecting Student Privacy Act of 2015 S. 1341 - Student Privacy Protection Act H.R. 3157 - Student Privacy Protection Act S. 1563 - Do Not Track Kids Act of 2015 H.R. 2734 - Do Not Track Kids Act of 2015 S. 423 - Privacy Notice Modernization Act H.R. 601 - Eliminate Privacy Notice Confusion Act H.R. 699 - Email Privacy Act of 2015 H.R. 283 - Electronic Communications Privacy Amendments Act of 2015 S. 356 - Electronic Communications Privacy Amendments Act of 2015 S. 547 - Commercial Privacy Bill of Rights H.R. 1053 - Commercial Privacy Bill of Rights S. 237 - Geolocation Privacy and Surveillance Act H.R. 491 - Geolocation Privacy and Surveillance Act H.R. 656 - Online Communications and Geolocation Protection Act S. 754 - Cybersecurity Information Sharing Act (CISA) S. Res. 110 on Internet of Things S. 178 - Justice for Victims of Trafficking Act S. 166 - Stop Exploitation Through Trafficking Act - provisions related to the inclusion of advertising S. 572 - SAVE Act of 2015 H.R. 285 - SAVE Act of 2015 H.R. 2029 - Consolidated Appropriations Act (Cybersecurity Act of 2015) Appropriations and Tax Extenders H.R. 1428 - Judicial Redress Act S. 1600 - Judicial Redress Act H.R. 4187 - Secure and Protect Americans Data Act S. 2404 - Do Not Track Act S. 2270 - Location Privacy Protection Act of 2015 H.R. 4517 - Application Privacy, Protection, and Security (APPS) Act S. 2410 - Cybersecurity Disclosure Act S. 2644 - Federal Communications Commission Reauthorization Act of 2016 S.2607 - DIGIT Act H.R. 5117 - DIGIT Act H.R. 5093 - TIME Act H.R. 5097 - STALL Act H.R. 5109 - CLEAR Act H.R. 5111 - Consumer Review Fairness Act of 2016 H.R. 5115 - SURE Act H.R. 5118 - SHIELD Act H.R. 5136 - RECS Act H.R. 5510 - FTC Process and Transparency Reform Act of 2016

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

Government targets: Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, SENATE

Internet, marketing, and data protection issues Potential privacy, data security, and breach notification legislation in House of Representatives and Senate S. 668 - Data Broker Accountability and Transparency Act of 2015 H.R. 4516 - Data Broker Accountability and Transparency Act H.R. 1770 - Data Security and Breach Notification Act of 2015 S. 177 - Data Security and Breach Notification Act H.R. 580 - Data Accountability and Trust Act S. 961 - Data Security Act of 2015 S. 1027 - Data Breach Notification and Punishing Cyber Criminals Act H.R. 1704 - Personal Data Notification and Protection Act S. 1158 - Consumer Privacy Protection Act H.R. 2977 - Consumer Privacy Protection Act H.R. 2205 - Data Security Act H.R. 2092 - Student Digital Privacy and Parental Rights Act of 2015 S. 1322 - Protecting Student Privacy Act of 2015 S. 1341 - Student Privacy Protection Act H.R. 3157 - Student Privacy Protection Act S. 1563 - Do Not Track Kids Act of 2015 H.R. 2734 - Do Not Track Kids Act of 2015 S. 423 - Privacy Notice Modernization Act H.R. 601 - Eliminate Privacy Notice Confusion Act H.R. 699 - Email Privacy Act of 2015 H.R. 283 - Electronic Communications Privacy Amendments Act of 2015 S. 356 - Electronic Communications Privacy Amendments Act of 2015 S. 547 - Commercial Privacy Bill of Rights H.R. 1053 - Commercial Privacy Bill of Rights S. 237 - Geolocation Privacy and Surveillance Act H.R. 491 - Geolocation Privacy and Surveillance Act H.R. 656 - Online Communications and Geolocation Protection Act S. 754 - Cybersecurity Information Sharing Act (CISA) S. Res. 110 on Internet of Things S. 178 - Justice for Victims of Trafficking Act S. 166 - Stop Exploitation Through Trafficking Act - provisions related to the inclusion of advertising S. 572 - SAVE Act of 2015 H.R. 285 - SAVE Act of 2015 H.R. 2029 - Consolidated Appropriations Act (Cybersecurity Act of 2015) Appropriations and Tax Extenders H.R. 1428 - Judicial Redress Act S. 1600 - Judicial Redress Act H.R. 4187 - Secure and Protect Americans Data Act S. 2404 - Do Not Track Act S. 2270 - Location Privacy Protection Act of 2015 H.R. 4517 - Application Privacy, Protection, and Security (APPS) Act S. 2410 - Cybersecurity Disclosure Act S. 2644 - Federal Communications Commission Reauthorization Act of 2016 S.2607 - DIGIT Act H.R. 5117 - DIGIT Act H.R. 5093 - TIME Act H.R. 5097 - STALL Act H.R. 5109 - CLEAR Act H.R. 5111 - Consumer Review Fairness Act of 2016 H.R. 5115 - SURE Act H.R. 5118 - SHIELD Act H.R. 5136 - RECS Act H.R. 5510 - FTC Process and Transparency Reform Act of 2016

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

Government targets: Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, SENATE

Internet, marketing, and data protection issues Potential privacy, data security, and breach notification legislation in House of Representatives and Senate Potential student privacy legislation S. 668 - Data Broker Accountability and Transparency Act of 2015 H.R. 4516 - Data Broker Accountability and Transparency Act H.R. 1770 - Data Security and Breach Notification Act of 2015 S. 177 - Data Security and Breach Notification Act H.R. 580 - Data Accountability and Trust Act S. 961 - Data Security Act of 2015 S. 1027 - Data Breach Notification and Punishing Cyber Criminals Act H.R. 1704 - Personal Data Notification and Protection Act S. 1158 - Consumer Privacy Protection Act H.R. 2977 - Consumer Privacy Protection Act H.R. 2205 - Data Security Act H.R. 2092 - Student Digital Privacy and Parental Rights Act of 2015 S. 1322 - Protecting Student Privacy Act of 2015 S. 1341 - Student Privacy Protection Act H.R. 3157 - Student Privacy Protection Act S. 1563 - Do Not Track Kids Act of 2015 H.R. 2734 - Do Not Track Kids Act of 2015 S. 423 - Privacy Notice Modernization Act H.R. 601 - Eliminate Privacy Notice Confusion Act H.R. 699 - Email Privacy Act of 2015 H.R. 283 - Electronic Communications Privacy Amendments Act of 2015 S. 356 - Electronic Communications Privacy Amendments Act of 2015 S. 547 - Commercial Privacy Bill of Rights H.R. 1053 - Commercial Privacy Bill of Rights S. 237 - Geolocation Privacy and Surveillance Act H.R. 491 - Geolocation Privacy and Surveillance Act H.R. 656 - Online Communications and Geolocation Protection Act S. 754 - Cybersecurity Information Sharing Act (CISA) S. Res. 110 on Internet of Things H.R. 2669 - Anti-Spoofing Act H.R. 2029 - Consolidated Appropriations Act (Cybersecurity Act of 2015) H.R. 1428 - Judicial Redress Act S. 1600 - Judicial Redress Act H.R. 4187 - Secure and Protect Americans Data Act S. 2404 - Do Not Track Act S. 2270 - Location Privacy Protection Act of 2015 H.R. 4517 - Application Privacy, Protection, and Security (APPS) Act S. 2410 - Cybersecurity Disclosure Act S. 2644 - Federal Communications Commission Reauthorization Act of 2016 S.2607 - DIGIT Act H.R. 5117 - DIGIT Act H.R. 5093 - TIME Act H.R. 5097 - STALL Act H.R. 5109 - CLEAR Act H.R. 5111 - Consumer Review Fairness Act of 2016 H.R. 5115 - SURE Act H.R. 5118 - SHIELD Act H.R. 5136 - RECS Act H.R. 5510 - FTC Process and Transparency Reform Act of 2016

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

Government targets: Federal Communications Commission (FCC), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, 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

Client expense: $920,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of

Issues related to installment lending. Issues related to auto finance. H.R.2205, Data Security Act of 2015. H.R.1737, Reforming CFPB Indirect Auto Financing Guidance Act. H.R.601/S.423, Eliminate Privacy Notice Confusion Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, White House Office

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

Client expense: $1,134,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 989, supplemental capital. H.R. 1188 member business lending. H.R. 1133 veterans exemption to member business lending cap. H.R. 299 privately insured credit unions. H.R. 601 privacy notifications.H.R. 1422 residential parity. H.R. 2679, risk based capital stop and study act. S. 1484, regulatory relief. S.2028, member business lending. S. 1440, residential parity. S. 961, data security. Merchant data breaches as they apply to financial institutions. EMV chip-card conversions. National Credit Union Administration and Consumer Financial Protection Bureau regulatory issues. Proposed rules on Field of Membership and Member Business Lending. Credit union examinations. Risk-based capital. Truth in lending disclosures (TRID). HMDA Home Mortgage Disclosure Act. Community lender exemption authority to Dodd-Frank Wall Street Reform and Consumer Protection Act. Property Assessed Clean Energy (PACE) lending and priority liens. Fair Credit Reporting Act - Federal Trade Commission. Cannabis banking.

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Natl Credit Union Administration (NCUA), SENATE

Internet, marketing, and data protection issues Issues pertaining to facilitating access to credit Potential privacy, data security, and breach notification legislation in House of Representatives and Senate S. 668 - Data Broker Accountability and Transparency Act of 2015 H.R. 4516 - Data Broker Accountability and Transparency Act H.R. 1770 - Data Security and Breach Notification Act of 2015 S. 177 - Data Security and Breach Notification Act H.R. 580 - Data Accountability and Trust Act S. 961 - Data Security Act of 2015 S. 1027 - Data Breach Notification and Punishing Cyber Criminals Act H.R. 1704 - Personal Data Notification and Protection Act S. 1158 - Consumer Privacy Protection Act H.R. 2977 - Consumer Privacy Protection Act H.R. 2205 - Data Security Act H.R. 4187 - Secure and Protect Americans Data Act H.R. 2092 - Student Digital Privacy and Parental Rights Act of 2015 S. 1322 - Protecting Student Privacy Act of 2015 S. 1341 - Student Privacy Protection Act H.R. 3157 - Student Privacy Protection Act S. 1563 - Do Not Track Kids Act of 2015 H.R. 2734 - Do Not Track Kids Act of 2015 S. 2404 - Do Not Track Act S. 423 - Privacy Notice Modernization Act H.R. 601 - Eliminate Privacy Notice Confusion Act H.R. 699 - Email Privacy Act of 2015 H.R. 283 - Electronic Communications Privacy Amendments Act of 2015 S. 356 - Electronic Communications Privacy Amendments Act of 2015 S. 547 - Commercial Privacy Bill of Rights H.R. 1053 - Commercial Privacy Bill of Rights S. 237 - Geolocation Privacy and Surveillance Act H.R. 491 - Geolocation Privacy and Surveillance Act H.R. 656 - Online Communications and Geolocation Protection Act S. 2270 - Location Privacy Protection Act of 2015 H.R. 4517 - Application Privacy, Protection, and Security (APPS) Act S. 754 - Cybersecurity Information Sharing Act (CISA) H.R. 2029 - Consolidated Appropriations Act (Cybersecurity Act of 2015) H.R. 347 - Facilitating Access to Credit Act of 2015 H.R. 3035 - The Credit Access and Inclusion Act S.2607 - DIGIT Act H.R. 5117 - DIGIT Act H.R. 5093 - TIME Act H.R. 5097 - STALL Act H.R. 5109 - CLEAR Act H.R. 5111 - Consumer Review Fairness Act of 2016 H.R. 5115 - SURE Act H.R. 5118 - SHIELD Act H.R. 5136 - RECS Act H.R. 5510 - FTC Process and Transparency Reform Act of 2016 H.R. 5058 - Free Credit Score Act of 2016 H.R. 5593 - Protecting Veterans Credit Act of 2016

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

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE

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

Client expense: Not reported · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Aviation Administration (FAA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Highway Administration (FHA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Natl Geospatial Intelligence Agency, Natl Highway Traffic Safety Administration (NHTSA), Natl Transportation Safety Board (NTSB), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Annual Privacy Disclosure Notices:[H.R. 601, S.423, S.1484]; Capital Reform:[ H.R.2769]; Consumer Financial Protection Bureau Improvements:[H.R. 3193, H.R. 1266]; Consumer Financial Protection Bureaus Qualified Mortgage Definition:[H.R. 685, H.R. 1259, S. 871]; Credit Union Tax Exemption:[H.R. 1]; Data Security:[H.R. 2205, S. 961]; Defense Credit Union Issues:[H.R. 1735]; Housing Finance Reform:[S. 1217]; Interchange Fees;Member Business Lending:[H.R. 1133, H.R. 1188, H.R. 1422]; Regulatory Relief:[S. 1484, H.R. 3468]; Supplemental Capital:[H.R.719, H.R. 989]; Financial services and general government appropriations bill [H.R. 5485 FY 17].

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial Regulatory Reform and issues pertaining to the Credit Union industry. H.R. 299 The Capital Access for Small Community Financial Institutions Act of 2015; H.R. 601/S. 423 re: Privacy Notification Requirements of Credit Unions; H.R. 989 The Capital Access for Small Businesses and Jobs Act pertaining to Credit Union access to supplemental capital. Restoration of business bonding authority to Credit Unions. NCUA review of Authority of Federal Credit Unions to invest in Reserve Fund Deposits offered by the Massachusetts Credit Union Share Insurance Corporation.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial Regulatory Reform and issues pertaining to the Credit Union industry. H.R. 299 The Capital Access for Small Community Financial Institutions Act of 2015; H.R. 601/S. 423 re: Privacy Notification Requirements of Credit Unions; H.R. 989 The Capital Access for Small Businesses and Jobs Act pertaining to Credit Union access to supplemental capital. Restoration of business bonding authority to Credit Unions. NCUA review of Authority of Federal Credit Unions to invest in Reserve Fund Deposits offered by the Massachusetts Credit Union Share Insurance Corporation.

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.601; S. 423; H.R. 2995; H.R. 5465; S. 1910 - Discussed issues related to interchange fees and settlement; discussed consumer protection issues related to financial services and products.

Client expense: $650,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

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

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

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

H.R. 601 Eliminate Privacy Notice Confusion Act H.R. 1262 Consumer Right to Financial Privacy Act of 2015 S. 2038 Jumpstart GSE Reform Act

Client expense: $200,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 601, the Eliminate Privacy Notice Confusion Act (to provide an exemption from the Gramm-Leach-Bliley Acts annual notice requirement for institutions that have not changed their privacy policies and only share personal information within the statutory exceptions. S. 423, the Privacy Notice Modernization Act (counterpart to H.R. 601). H.R. 1113, the Portfolio Lending and Mortgage Access Act; H.R. 1210, the Portfolio Lending and Mortgage Access Act (would provide that loans originated and held in portfolio are treated as Qualified Mortgages). H.R. 1233, the CLEARR Act of 2015 (to provide an exemption from the Gramm-Leach-Bliley Acts annual notice requirement). S. 812, the CLEAR Relief Act of 2015 (a companion bill to H.R. 1233). H.R. 888, Subsidy Reserve Act of 2015, to require nonbank financial companies supervised by the Federal Reserve Board and bank holding companies over $500 billion of assets to establish and maintain Subsidy Reserves. H.R. 1389, the American Jobs and Community Revitalization Act (provides a QM Safe Harbor for loans held in portfolio and establishes an application process for treatment as a rural or underserved area for purposes of QM. H.R. 1408, The Mortgage Servicing Asset Capital Requirements Act (postpones Basel III rules on mortgage servicing assets until their impact can be studied). H.R. 1529, the Community Institution Mortgage Relief Act (provides a legal safe harbor from escrow requirements for smaller institutions that hold loans in portfolio for 3 years). H.R. 3468, Credit Union Share Insurance Fund Parity Act (amended the Federal Credit Union Act to extend insurance coverage to IOLTAs.) H.R. 3791, to raise the consolidated assets threshold under the small bank holding company policy statement. H.R. 1334, the Holding Company Registration Threshold Equalization Act H.R. 1259/ S. 871, the Helping Expand Lending Practices (HELP) in Rural Communities Act S. 1484, the Financial Regulatory Improvement Act of 2015 H.R. 2896/S.3153, the TAILOR Act H.R. 766/S. 2790, the Financial Institution Consumer Protection Act of 2015 H.R. 1553, the Small Bank Exam Cycle Reform Act of 2015 H.R. 4116, to ensure that the reciprocal deposits of an insured depository institution are not considered to be funds obtained by or through a deposit broker H.R. 5660, Retail Checking Account Protection Act of 2016 H.R. 4500, Community Bank Reporting Relief Act H.R 2209, to require the appropriate federal banking agencies to treat certain municipal obligations as level 2A liquid assets H.R. 5027, to amend the Federal Reserve Act to adjust the circumstances under which Federal Reserve bank stock is callable H.R. 5465, to repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes H.R. 6162, to ensure that prepaid funds deposited in an insured depository institution satisfy the requirements of the primary purpose exclusion to the definition of deposit broker S. 3404, to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets Basel Capital Rules Basel Liquidity Rules Accountability for Basel/FSB negotiations Volcker Rule Reform DoL Fiduciary Rule H.R. 5983, The Financial CHOICE Act De novo banks

Client expense: $1,980,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE

Mobile banking, cyber security, data security, restrictions on the use of data and privacy including the following legislation: Protecting Cyber Networks Act (HR 1560); National Cybersecurity Protection Advancement Act of 2015 (HR 1731); Data Security and Breach Notification Act of 2015 (HR 1770); Cybersecurity Information Sharing Act of 2015 (S 754); Eliminate Privacy Notice Confusion Act (HR 601); and Data Security Act of 2015 (HR 2205/S 961); Digital Security Commission Act of 2016 (HR 4651/S 2604); Financial Choice Act (HR 5983).

Client expense: $250,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Loans for component suppliers PL 111-203: Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 601 - Eliminate Privacy Notice Confusion Act S. 423 - Privacy Notice Modernization Act of 2015 H.R. 1233 - Community Lending Enhancement And Regulatory Relief (CLEARR) Act of 2015 H.R. 1265 - Bureau Advisory Commission Transparency Act H.R. 37 - Promoting Job Creation and Reducing Small Business Burdens Act H.R. 26 - Terrorism Risk Insurance Program Reauthorization Act of 2015 H.R. 2289 Commodity End-User Relief Act H.R. 1737 - Reforming CFPB Indirect Auto Financing Guidance Act S. 2663 - Reforming CFPB Indirect Auto Financing Guidance Act

Client expense: $1,157,821 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Surface Transportation Board (STB), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

PL 111-203: Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 601 - Eliminate Privacy Notice Confusion Act S. 423 - Privacy Notice Modernization Act of 2015 H.R. 1233 - Community Lending Enhancement And Regulatory Relief (CLEARR) Act of 2015 H.R. 1265 - Bureau Advisory Commission Transparency Act H.R. 37 - Promoting Job Creation and Reducing Small Business Burdens Act H.R. 26 - Terrorism Risk Insurance Program Reauthorization Act of 2015 H.R. 2289 - Commodity End-User Relief Act H.R. 1737 - Reforming CFPB Indirect Auto Financing Guidance Act S. 2663 - Reforming CFPB Indirect Auto Financing Guidance Act

Client expense: $1,157,821 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Labor, Dept of (DOL), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Surface Transportation Board (STB), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

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

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

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

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

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

Client expense: $620,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Annual Privacy Disclosure Notices:[H.R. 601, S.423, S.1484]; Capital Reform:[ H.R.2769]; Consumer Financial Protection Bureau Improvements:[H.R. 3193, H.R. 1266]; Consumer Financial Protection Bureaus Qualified Mortgage Definition:[H.R. 685, H.R. 1259, S. 871]; Credit Union Tax Exemption:[H.R. 1]; Data Security:[H.R. 2205, S. 961]; Defense Credit Union Issues:[H.R. 1735]; Housing Finance Reform:[S. 1217]; Interchange Fees; Member Business Lending:[H.R. 1133, H.R. 1188, H.R. 1422]; Regulatory Relief:[S. 1484, H.R. 3468]; Supplemental Capital:[H.R.719, H.R. 989]; Financial services and general government appropriations bill [H.R. 5485 FY 17]

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

Government targets: HOUSE OF REPRESENTATIVES

EGRPRA Regulatory Review - Identify provisions that my provide regulatory relief. HR 1660 - Federal Savings Association Charter Flexibility Act of 2015 - HOLA amendments providing flexibility to operate as a national bank. CFPB revision package - Provisions subjecting the agency to additional oversight. HR 9 - The Innovation Act - Provisions addressing vague demand letter of patent trolls. HR 601 - Provisions eliminating privacy notice disclosure requirements. HR 1265 - Bureau Advisory Commission Transparency Act - Advisory counsel for the CFPB HR 1480 SAFE Act - confidentiality of information banks share with state regulators. HR 1660-Federal Savings Association Charter Flexibility Act - charter flexibility HR 1233 - CLEARR Act - Regulatory reduction provisions S 1484-Financial Regulation Improvement Act - Regulatory reduction provisions. S 2896 - TAILOR Act- Regulatory reduction provisions H1941/S774 - Financial Institutions Examination Fairness & Reform Act - timely & consistent examination report provisions. HR 5465 - Durbin Amendment repeal bill - repeal provisions. HR 2213 - Provisions for a formal grace period from enforcement under TILA-RESPA. HR 601 - Eliminate Privacy Notice Confusion Act - privacy notice exemptions. HR 1478/S798 - Policyholder Protection Act - Source of strength provisions.

Client expense: $288,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE

Issues related to: Anti-Money Laundering (AML); S. 3067 and H.R. 5485 - FY17 Financial Services and General Government appropriations; Credit Card/Interchange Fees; Retirement Security; Data Breach; Automobile Financing; Arbitration; Structure and Activities of the Office of Financial Research; S. 510 Bureau of Consumer Financial Protection-Inspector General Reform Act; S. 774 Financial Institutions Examination Fairness and Reform Act; H.R. 185 Regulatory Accountability Act; H.R. 601 Eliminate Privacy Notice Confusion Act; H.R.1233 Community Lending Enhancement and Regulatory Relief Act of 2015; H.R.37 Promoting Job Creation and Reducing Small Business Burdens Act; S. 961 The Data Security Act; H.R 2205 The Data Security Act; H.R.1550 Financial Stability Oversight Council Improvement Act of 2015; H.R 1266 Financial Product Safety Commission Act; Federal Reserve Dividend Revenue; S. 1484 Financial Regulatory Improvement Act; H.R. 3738, Office of Financial Research Accountability Act of 2015; Implications of the Federal Reserve dividend reduction section contained in PL 114-94, the Drive Act; Senior $afe Act (H.R.4538; S.2216); Financial Stability Oversight Council Reform Act (H.R.3340; issues related to cybersecurity and financial services; H.R. 1309 - Systemic Risk Designation Improvement Act of 2015; S.2251, Seniors And Veterans Emergency Benefits Act or the SAVE Benefits Act; Retirement Enhancement and Savings Act; H.R. 5983, Financial CHOICE Act,Creating Hope and Opportunity for Investors, Consumers and Entrepreneurs.

Client expense: $940,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office