CFPB Constitutional Reform Act of 2017

Authority of CFPB CFPB Office of Fair Lending and Equal Opportunity Funding of CFPB H.R. 10, Financial CHOICE Act H.R. 1153, the "Mortgage Choice Act" H.R. 2570, the "Mortgage Fairness Act of 2017" H.R. 3072, the "Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017" H.R. 3299, the "Protecting Consumers Access to Credit Act of 2017" HR 4439 -- Modernizing Credit Opportunities Act Legislation affecting Consumer Financial Protection Bureau staffing S. 2417 -- the Stopping Abuse & Fraud in Electronic (SAFE) Lending Act SEC fiduciary rule S.J. Res. 57, H.J. Res. 132 CRA for CFPB Guidance on Indirect Auto-Lending S.J. Res 56/H.J. 122 CRA for CFPB Payday Rule S. 387 -- Consumer Financial Protection Bureau Accountability Act of 2017 HR 1018 -- CFPB Constitutional Reform Act of 2017 HR 5534 Give Useful Information to Define Effective Guidance (GUIDE) Act HR 6743 Consumer Information Notification Requirement Act HR 6972 Consumers First Act S 3503 American Housing and Economic Mobility Act S.488 - JOBS and Investor Confidence Act of 2018 Reg BI Whistleblower program

Client expense: $83,504 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Issues related to the Consumer Financial Protection Bureau and consumer financial protection, generally; H.R. 3746: Business of Insurance Regulatory Reform Act S.387: Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 1018: CFPB Constitutional Reform Act of 2017 Issues related to Department of Labor's rule redefining Fiduciary under ERISA, generally: H.R. 355: Protecting American Families' Retirement Advice Act H.R. 2823: Affordable Retirement Advice for Savers Act S. 1321: Affordable Retirement Advice Protection Act H.R. 3758: Senior Safe Act of 2017

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Postal Regulatory Commission, SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Postal Service (USPS), U.S. Trade Representative (USTR)

H.R. 10 Financial Regulatory Reform H.R. 45 Financial Regulatory Reform H.R. 70 Federal Advisory Committee Act Amendments H.R. 493 Wall Street H.R. 585 Pre-Dispute Arbitration Agreement Prohibition H.R. 832 Consumer Financial Products Dispute Proceedings H.R. 1018 Director of the Bureau of Consumer Financial Protection H.R. 1031 Bureau of Consumer Financial Protection H.R. 1459 Regular Appropriations Process S. 365 Fund Transfer Funding Cap S. 370 Bureau of Consumer Financial Protection S. 387 Consumer Financial Protection Bureau Appropriations H.R. 2553 Bureau of Consumer Financial Protection H.R. 2750 Office of Financial Research Independent Funding S. 923 Financial Institutions Regulations Exemption H.R. 3312 Bank Holding Companies and Enhanced Supervision S. 1579 Consumer Financial Protection Advisory Boards S. 1744 Securities and Exchange Commission Regulations H.R. 4061 Financial Stability Oversight Council H.R. 4293 Comprehensive Capital Analysis and Review Process H.R. 4302 Congressional Accountability for Emergency Lending H.R. 4625 Development & Implementation of Artificial Intelligence H.R. 5266 Financial Product Safety Commission S. 2217 Development & Implementation of Artificial Intelligence H.R. 5470 Office of Financial Research H.R. 5534 Procedures for Guidance S. 2702 Authority of Bureau of Consumer Financial Protection H.R. 6741 Monetary Policy Transparency and Accountability H.R. 2133 CLEARR Act of 2017 S. 3443 Consumer Financial Protection Guidance Procedures

Client expense: $1,070,000 · Firm income: Not reported

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 10, HR 389, HR 1018, HR 1031, HR 1116, HR 1153, HR 1244, HR 1264, HR 1401, HR 1422, HR 1423, HR 1426, HR 1457, HR 1699, HR 1801, HR 1958, HR 1964, HR 2133, HR 2170, HR 2215, HR 2226, HR 2246, HR 2359, HR 2403, HR 2553, HR 2570, HR 2706, HR 2793, HR 2868, HR 2874, HR 2875, HR 2877, HR 2890, HR 2954, HR 3072, HR 3110, HR 3221, HR 3312, HR 3354, HR 3746, HR 3758, HR 3766, HR 3857, HR 3866, HR 3971, HR 3978, HR 4081, HR 4296, HR 4439, HR 4464, HR 4499, HR 4545, HR 4648, HR 4651, HR 4743, HR 4746, HR 4764, HR 4771, HR 4790, HR 4861, HR 4905, HR 5076, HR 5166, HR 5266, HR 5288, HR 5470, HR 5474, HR 5484, HR 5502, HR 5659, HR 5673, HR 5793, HR 5877, HR 5993, HR 6068, HR 6102, HR 6147, HR 6158, HR 6163, HR 6192, HR 6411, HR 6531, HR 6625, HR 6743, HR 6746, HR 6789, HR 6858, HR 6861, HR 6892, HR 6972; HJ Res 62, HJ Res 73, HJ Res 122, HJ Res 132; S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 488, S 563, S 567, S 836, S 838, S 1002, S 1152, S 1264, S 1284, S 1313, S 1315, S 1368, S 1389, S 1499, S 1571, S 1579, S 1642, S 1753, S 1810, S 1962, S 1982, S 2155, S 2171, S 2237, S 2289, S 2362, S 2375, S 2417, S 2490, S 2701, S 2702, S 2862, S 3032, S 3040, S 3070, S 3128, S 3139, S 3334, S 3343, S 3443; SJ Res 47 SJ Res 56, SJ Res 57; data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Issues related to the Consumer Financial Protection Bureau and consumer financial protection, generally; H.R. 3746: Business of Insurance Regulatory Reform Act S.387: Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 1018: CFPB Constitutional Reform Act of 2017 Issues related to Department of Labor's rule redefining Fiduciary under ERISA, generally: H.R. 355: Protecting American Families' Retirement Advice Act H.R. 2823: Affordable Retirement Advice for Savers Act S. 1321: Affordable Retirement Advice Protection Act H.R. 3758: Senior Safe Act of 2017

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Postal Regulatory Commission, SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Postal Service (USPS), U.S. Trade Representative (USTR)

H.R.916 To amend the Congressional Budget and Impoundment Control Act of 1974 to prohibit the use of guarantee fees as offsets. H.R.1018 To replace the Director of the Bureau ofConsumerFinancialProtectionwith a 5-person commission, and for other purposes. H.R.1116 TAILOR Act H.R. 1153 Mortgage Choice Act of 2017 H.R.1257 Securities and Exchange Commission Overpayment Credit Act H.R.1366 U.S. Territories Investor Protection Act of 2017 H.R.389 Credit Union Residential Loan Parity Act H.R.491 Let the GSEs Pay Us Back Act of 2017 H.R.815 To amend title 38, United States Code, to adjust certain limits on the guaranteed amount of a home loan under the home loan program of the Department of Veterans Affairs. H.R.910 Fair Access to Investment Research Act of 2017 H.R.1219 Supporting America's Innovators Act of 2017 H.R. 1637 RIGHTS at the CFPB Act of 2017 H.R. 2133 CLEARR Act H.R. 2226 Portfolio Lending and Mortgage Access Act H.R. 2890 Housing Opportunity Mortgage Expansion Act H.R. 4278 Independence from Credit Policy Act of 2017 H.R. 2148 Clarifying Commercial Real Estate Loans H.R. 2954 Home Mortgage Disclosure Adjustment Act H.R. 4607 Comprehensive Regulatory Review Act H.R. 3221 Securing Access to Affordable Mortgages Act H.R. 3299 Protecting Consumers' Access to Credit Act of 2017 H.R. 3978 TRID Improvement Act of 2017 H.R. 1264 Community Financial Institution Exemption Act H.R. 5266 Financial Product Safety Commission Act H.R. 4545 Financial Institutions Examination Fairness & Reform Act H.R. 5534 GUIDE Compliance Act H.R. 6147 the Interior, Environment, Financial Services, and General Government Appropriations Act, 2019 H.R. 6737 Protect Affordable Mortgages for Veterans Act of 2018 S.105 Consumer Financial Protection Board Act of 2017 S.365 A bill to amend theConsumerFinancialProtectionAct of 2010 to remove the funding cap relating to the transfer of funds from the Board of Governors of the Federal Reserve System to the Bureau ofConsumerFinancialProtection, and for other purposes. S.366 TAILOR Act S.370 A bill to eliminate the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. S.387 A bill to amend theConsumerFinancialProtectionAct of 2010 to subject the Bureau ofConsumerFinancialProtectionto the regular appropriations process, and for other purposes. S. 626 CFPB-IG Act of 2017 S. 2304 A bill to amend title 38, United States Code, to protect veterans from predatory lending, and for other purposes. S. 488 JOBS and Investor Confidence Act of 2018 S. 3401 Self-Employed Mortgage Access Act of 2018 S. 3443 GUIDE Compliance Act

Best interest standard CFPB Office of Fair Lending and Equal Opportunity Funding of CFPB H.R. 3299, the "Protecting Consumers Access to Credit Act of 2017" HR 4439 -- Modernizing Credit Opportunities Act Legislation affecting Consumer Financial Protection Bureau staffing S. 2417 -- the Stopping Abuse & Fraud in Electronic (SAFE) Lending Act SEC fiduciary rule S.J. Res. 57, H.J. Res. 132 CRA for CFPB Guidance on Indirect Auto-Lending HR 6096 -- Reward Work Act S. 2605 -- Reward Work Act HR 5756 -- To require the Securities and Exchange Commission to adjust certain resubmission thresholds for shareholder proposals Budd Discussion Draft (SEC R 002) HR 6035 -- Streamlining Communications for Investors Act HR 5970 -- Simplifying Disclosures for Investors Act HR 6130 -- Helping Startups Continue to Grow Act S.J. Res 56/H.J. 122 CRA for CFPB Payday Rule S. 387 -- Consumer Financial Protection Bureau Accountability Act of 2017 HR 1018 -- CFPB Constitutional Reform Act of 2017

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

Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S.J. Res. 57 (Resolution of Disapproval of CFPB auto lending guidance) Community Reinvestment Act reform Bureau of Consumer Financial Protection inherited regulations Bank capital rules Banks stress tests Best interest standard CFPB Office of Fair Lending and Equal Opportunity Financial Technology ("Fintech") Funding of CFPB H.R. 1116, the "Taking Account of Institutions with Low Operation Risk Act of 2017" H.R. 1144, the Inclusive Prosperity Act H.R. 3299, the "Protecting Consumers Access to Credit Act of 2017" H.R. 3948, the "Protection of Source Code Act" H.R. 4293, the "Stress Test Improvement Act" H.R. 4545, the "Financial Institutions Examination Fairness and Reform Act" HR 4061 -- Financial Stability Oversight Council Improvement Act of 2017 HR 4439 -- Modernizing Credit Opportunities Act HR 4790 -- Volcker Rule Regulatory Harmonization Act HR 5749 -- Options Market Stability Act Legislation affecting Consumer Financial Protection Bureau staffing Nominations for SEC, CFTC, FDIC Protecting Consumers Access to Credit Act of 2017 (H.R. 3299) S. 1020, the Carried Interest Fairness Act S. 2155 -- Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2417 -- the Stopping Abuse & Fraud in Electronic (SAFE) Lending Act SEC fiduciary rule Substitute Amendment to S. 2155 S.J. Res. 57, H.J. Res. 132 CRA for CFPB Guidance on Indirect Auto-Lending Volcker Rule HR 6096 -- Reward Work Act S. 2605 -- Reward Work Act Brokaw bill HR 3861 -- Federal Insurance Office Reform Act of 2017 HR 5054 -- Small Company Disclosure Simplification Act of 2018 HR 5756 -- To require the Securities and Exchange Commission to adjust certain resubmission thresholds for shareholder proposals HR 5877 -- Main Street Growth Act Budd Discussion Draft (SEC R 002) HR 6035 -- Streamlining Communications for Investors Act HR 5970 -- Simplifying Disclosures for Investors Act HR 6130 -- Helping Startups Continue to Grow Act Liquidity disclosures for funds Budget - FSGG Appropriations S.J. Res 56/H.J. 122 CRA for CFPB Payday Rule S. 387 -- Consumer Financial Protection Bureau Accountability Act of 2017 HR 1018 -- CFPB Constitutional Reform Act of 2017

Issues related to Dodd-Frank; H.R. 45 (provisions related to Regulatory Relief) H.R. 70 (provisions related to Financial Reform) H.R. 493 (provisions related to Dodd-Frank Reform) H.R. 585 (provisions related to Financial Reform) H.R. 832 (provisions related to Consumer Financial Products) H.R. 1018 (provisions related to CFPB) H.R. 1031 (provisions related to CFPB) H.R. 1459 (provisions related to FSOC) H.R. 1637 (provisions related to CFPB) S. 365 (provisions related to Dodd-Frank Reform) S. 387 (provisions related to CFPB) H.R. 4061 (provisions related to Dodd-Frank FSOC) H.R. 3762 (provisions related to Dodd-Frank FIO) H.R. 3861 (provisions related to Dodd-Frank FIO) H.R. 3746 (provisions related to Dodd-Frank CFPB) H.R. 4537 (provisions related to Dodd-Frank FIO) S. 1360 (provisions related to International Insurance) S. 2155, Sec. 211 (provisions related to International Capital Standards)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 10 Financial Regulatory Reform H.R. 45 Financial Regulatory Reform H.R. 70 Federal Advisory Committee Act Amendments H.R. 493 Wall Street H.R. 585 Pre-Dispute Arbitration Agreement Prohibition H.R. 832 Consumer Financial Products Dispute Proceedings H.R. 1018 Director of the Bureau of Consumer Financial Protection H.R. 1031 Bureau of Consumer Financial Protection H.R. 1459 Regular Appropriations Process S. 365 Fund Transfer Funding Cap S. 370 Bureau of Consumer Financial Protection S. 387 Consumer Financial Protection Bureau Appropriations H.R. 2553 Bureau of Consumer Financial Protection H.R. 2750 Office of Financial Research Independent Funding S. 923 Financial Institutions Regulations Exemption H.R. 3312 Bank Holding Companies and Enhanced Supervision S. 1579 Consumer Financial Protection Advisory Boards S. 1744 Securities and Exchange Commission Regulations H.R. 4061 Financial Stability Oversight Council H.R. 4293 Comprehensive Capital Analysis and Review Process H.R. 4302 Congressional Accountability for Emergency Lending H.R. 4625 Development & Implementation of Artificial Intelligence H.R. 5266 Financial Product Safety Commission S. 2217 Development & Implementation of Artificial Intelligence H.R. 5470 Office of Financial Research H.R. 5534 Procedures for Guidance S. 2702 Authority of Bureau of Consumer Financial Protection

Client expense: $1,590,000 · Firm income: Not reported

Issues related to the Consumer Financial Protection Bureau and consumer financial protection, generally; H.R. 3746: Business of Insurance Regulatory Reform Act S.387: Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 1018: CFPB Constitutional Reform Act of 2017 Issues related to Department of Labor's rule redefining Fiduciary under ERISA, generally: H.R. 355: Protecting American Families' Retirement Advice Act H.R. 2823: Affordable Retirement Advice for Savers Act S. 1321: Affordable Retirement Advice Protection Act H.R. 3758: Senior Safe Act of 2017

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Postal Regulatory Commission, SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Postal Service (USPS), U.S. Trade Representative (USTR)

H.R.916 To amend the Congressional Budget and Impoundment Control Act of 1974 to prohibit the use of guarantee fees as offsets. H.R.1018 To replace the Director of the Bureau ofConsumerFinancialProtectionwith a 5-person commission, and for other purposes. H.R.1116 TAILOR Act H.R. 1153 Mortgage Choice Act of 2017 H.R.1257 Securities and Exchange Commission Overpayment Credit Act H.R.1366 U.S. Territories Investor Protection Act of 2017 H.R.389 Credit Union Residential Loan Parity Act H.R.491 Let the GSEs Pay Us Back Act of 2017 H.R.815 To amend title 38, United States Code, to adjust certain limits on the guaranteed amount of a home loan under the home loan program of the Department of Veterans Affairs. H.R.910 Fair Access to Investment Research Act of 2017 H.R.1219 Supporting America's Innovators Act of 2017 H.R. 1637 RIGHTS at the CFPB Act of 2017 H.R. 2133 CLEARR Act H.R. 2226 Portfolio Lending and Mortgage Access Act H.R. 2948 To amend the S.A.F.E. Mortgage Licensing Act of 2008 to provide a temporary license for loan originators transitioning between employers, and for other purposes. H.R. 2890 Housing Opportunity Mortgage Expansion Act H.R. 4278 Independence from Credit Policy Act of 2017 H.R. 2148 Clarifying Commercial Real Estate Loans H.R. 2954 Home Mortgage Disclosure Adjustment Act H.R. 4607 Comprehensive Regulatory Review Act H.R. 3221 Securing Access to Affordable Mortgages Act H.R. 3299 Protecting Consumers' Access to Credit Act of 2017 H.R. 3978 TRID Improvement Act of 2017 H.R. 1264 Community Financial Institution Exemption Act H.R. 5266 Financial Product Safety Commission Act H.R. 4545 Financial Institutions Examination Fairness & Reform Act H.R. 5534 - GUIDE Compliance Act H.R. 6147 - the Interior, Environment, Financial Services, and General Government Appropriations Act, 2019 S.105 Consumer Financial Protection Board Act of 2017 S.365 A bill to amend theConsumerFinancialProtectionAct of 2010 to remove the funding cap relating to the transfer of funds from the Board of Governors of the Federal Reserve System to the Bureau ofConsumerFinancialProtection, and for other purposes. S.366 TAILOR Act S.370 A bill to eliminate the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. S.387 A bill to amend theConsumerFinancialProtectionAct of 2010 to subject the Bureau ofConsumerFinancialProtectionto the regular appropriations process, and for other purposes. S. 626 CFPB-IG Act of 2017 S. 1753 SAFE Transitional License Act S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2304 A bill to amend title 38, United States Code, to protect veterans from predatory lending, and for other purposes. S. 2405 Clarifying Commercial Real Estate Loans S. 488 - JOBS and Investor Confidence Act of 2018 S. 1685 - Credit Score Competition Act of 2017

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 10, HR 389, HR 1018, HR 1031, HR 1116, HR 1153, HR 1244, HR 1264, HR 1401, HR 1422, HR 1423, HR 1426, HR 1457, HR 1699, HR 1801, HR 1958, HR 1964, HR 2133, HR 2170, HR 2215, HR 2226, HR 2246, HR 2359, HR 2403, HR 2553, HR 2570, HR 2706, HR 2793, HR 2868, HR 2874, HR 2875, HR 2877, HR 2890, HR 2954, HR 3072, HR 3110, HR 3221, HR 3312, HR 3354, HR 3746, HR 3758, HR 3766, HR 3857, HR 3866, HR 3971, HR 3978, HR 4081, HR 4296, HR 4439, HR 4464, HR 4499, HR 4545, HR 4648, HR 4651, HR 4743, HR 4746, HR 4764, HR 4771, HR 4790, HR 4861, HR 4905, HR 5076, HR 5166, HR 5266, HR 5288, HR 5470, HR 5474, HR 5484, HR 5502, HR 5659, HR 5673, HR 5793, HR 5877, HR 5993, HR 6068, HR 6102, HR 6158, HR 6163, HR 6192; HJ Res 62, HJ Res 73, HJ Res 122, HJ Res 132; S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 563, S 567, S 836, S 838, S 1002, S 1152, S 1264, S 1284, S 1313, S 1315, S 1368, S 1389, S 1499, S 1571, S 1579, S 1642, S 1753, S 1810, S 1962, S 1982, S 2155, S 2171, S 2237, S 2289, S 2362, S 2375, S 2417, S 2490, S 2701, S 2702, S 2862, S 3032, S 3040, S 3070, S 3128, S 3139; SJ Res 47 SJ Res 56, SJ Res 57; data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Issues related to the Consumer Financial Protection Bureau and consumer financial protection, generally; H.R. 3746: Business of Insurance Regulatory Reform Act S.387: Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 1018: CFPB Constitutional Reform Act of 2017 Issues related to Department of Labor's rule redefining Fiduciary under ERISA, generally: H.R. 355: Protecting American Families' Retirement Advice Act H.R. 2823: Affordable Retirement Advice for Savers Act S. 1321: Affordable Retirement Advice Protection Act H.R. 3758: Senior Safe Act of 2017

Client expense: $630,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Postal Regulatory Commission, SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Postal Service (USPS), U.S. Trade Representative (USTR)

H.R.916 To amend the Congressional Budget and Impoundment Control Act of 1974 to prohibit the use of guarantee fees as offsets. H.R.1018 To replace the Director of the Bureau ofConsumerFinancialProtectionwith a 5-person commission, and for other purposes. H.R.1116 TAILOR Act H.R. 1153 Mortgage Choice Act of 2017 H.R.1257 Securities and Exchange Commission Overpayment Credit Act H.R.1366 U.S. Territories Investor Protection Act of 2017 H.R.389 Credit Union Residential Loan Parity Act H.R.491 Let the GSEs Pay Us Back Act of 2017 H.R.815 To amend title 38, United States Code, to adjust certain limits on the guaranteed amount of a home loan under the home loan program of the Department of Veterans Affairs. H.R.910 Fair Access to Investment Research Act of 2017 H.R.1219 Supporting America's Innovators Act of 2017 H.R. 1637 RIGHTS at the CFPB Act of 2017 H.R. 2133 CLEARR Act H.R. 2226 Portfolio Lending and Mortgage Access Act H.R. 2948 To amend the S.A.F.E. Mortgage Licensing Act of 2008 to provide a temporary license for loan originators transitioning between employers, and for other purposes. H.R. 2890 Housing Opportunity Mortgage Expansion Act H.R. 4278 Independence from Credit Policy Act of 2017 H.R. 2148 Clarifying Commercial Real Estate Loans H.R. 2954 Home Mortgage Disclosure Adjustment Act H.R. 4607 Comprehensive Regulatory Review Act H.R. 3221 Securing Access to Affordable Mortgages Act H.R. 3299 Protecting Consumers' Access to Credit Act of 2017 H.R. 3978 TRID Improvement Act of 2017 H.R. 1264 Community Financial Institution Exemption Act H.R. 5266 Financial Product Safety Commission Act H.R. 4545 Financial Institutions Examination Fairness & Reform Act S.105 Consumer Financial Protection Board Act of 2017 S.365 A bill to amend theConsumerFinancialProtectionAct of 2010 to remove the funding cap relating to the transfer of funds from the Board of Governors of the Federal Reserve System to the Bureau ofConsumerFinancialProtection, and for other purposes. S.366 TAILOR Act S.370 A bill to eliminate the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. S.387 A bill to amend theConsumerFinancialProtectionAct of 2010 to subject the Bureau ofConsumerFinancialProtectionto the regular appropriations process, and for other purposes. S. 626 CFPB-IG Act of 2017 S. 1753 SAFE Transitional License Act S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2304 A bill to amend title 38, United States Code, to protect veterans from predatory lending, and for other purposes. S. 2405 Clarifying Commercial Real Estate Loans

Issues related to Dodd-Frank; H.R. 45 re Regulatory Relief H.R. 70 re Financial Reform H.R. 493 re Dodd-Frank Reform H.R. 585 re Financial Reform H.R. 832 re Consumer Financial Products H.R. 1018 re CFPB H.R. 1031 re CFPB H.R. 1459 re FSOC H.R. 1637 re CFPB S. 365 re CFPB S. 370 re Dodd-Frank Reform S. 387 re CFPB H.R. 4061 re Dodd-Frank FSOC H.R. 3762 re Dodd-Frank FIO H.R. 3861 re Dodd-Frank FIO H.R. 3746 re Dodd-Frank CFPB H.R. 4537 re Dodd-Frank FIO

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 10 Financial Regulatory Reform H.R. 45 Financial Regulatory Reform H.R. 70 Federal Advisory Committee Act Amendments H.R. 493 Wall Street H.R. 585 Pre-Dispute Arbitration Agreement Prohibition H.R. 832 Consumer Financial Products Dispute Proceedings H.R. 1018 Director of the Bureau of Consumer Financial Protection H.R. 1031 Bureau of Consumer Financial Protection H.R. 1459 Regular Appropriations Process S. 365 Fund Transfer Funding Cap S. 370 Bureau of Consumer Financial Protection S. 387 Consumer Financial Protection Bureau Appropriations H.R. 2553 Bureau of Consumer Financial Protection H.R. 2750 Office of Financial Research Independent Funding S. 923 Financial Institutions Regulations Exemption H.R. 3312 Bank Holding Companies and Enhanced Supervision S. 1579 Consumer Financial Protection Advisory Boards S. 1744 Securities and Exchange Commission Regulations H.R. 4061 Financial Stability Oversight Council H.R. 4293 Comprehensive Capital Analysis and Review Process H.R. 4302 Congressional Accountability for Emergency Lending H.R. 4625 Development & Implementation of Artificial Intelligence H.R. 5266 Financial Product Safety Commission S. 2217 Development & Implementation of Artifical Intelligence

Client expense: $1,220,000 · Firm income: Not reported

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 10, HR 389, HR 620, HR 1018, HR 1031, HR 1116, HR 1153, HR 1244, HR 1264, HR 1401, HR 1422, HR 1423, HR 1426, HR 1457, HR 1529, HR 1699, HR 1801, HR 1958, HR 1964, HR 2133, HR 2170, HR 2215, HR 2226, HR 2246, HR 2359, HR 2403, HR 2553, HR 2570, HR 2706, HR 2793, HR 2868, HR 2874, HR 2875, HR 2877, HR 2890, HR 2954, HR 3072, HR 3110, HR 3221, HR 3312, HR 3354, HR 3746, HR 3758, HR 3766, HR 3857, HR 3866, HR 3971, HR 3978, HR 4081, HR 4296, HR 4439, HR 4464, HR 4499, HR 4545, HR 4648, HR 4651 HR 4746, HR 4764, HR 4771, HR 4790, HR 4861, HR 4905, HR 5076, HR 5166, HR 5266, HR 5288; HJ Res 62, HJ Res 73, HJ Res 122; S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 563, S 567, S 836, S 838, S 1002, S 1264, S 1284, S 1313, S 1315, S 1368, S 1389, S 1499, S 1571, S 1579, S 1642, S 1753, S 1810, S 1962, S 1982, S 2155, S 2171, S 2237, S 2289, S 2362, S 2375; SJ Res 47 SJ Res 56, SJ Res 57; data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

All legislation, executive orders or agency actions pertaining to the Consumer Financial Protection Bureau, including to restrict its authorities, change its structure to a commission or modify its independent funding and all proposals to implement the Congressional Review Act to rescind CFPB rules, including the prepaid card rule of October 2016 and the arbitration rule of July 2017; comment on all rules proposed by the CFPB, including its high-cost (payday) and arbitration draft rules. Comment on all Executive Orders and Requests for Information pertaining to changing or limiting the structure of US Financial Regulation system. All agency proposed rules, requests for Information or guidances concerning "fintech" firms and their chartering. Oppose all appropriations riders to subject independent agencies to restrictive, duplicative regulatory cost-benefit analysis and OMB/OIRA oversight. Bills include S2155, The Economic Growth, Regulatory Relief, and Consumer Protection Act, HR3746, The Business of Insurance Regulatory Reform Act of 2017; HR2396, The Privacy Notification Technical Clarification Act; HR435, The Credit Access and Inclusion Act of 2017; HR2706, The Financial Institution Customer Protection Act of 2017; HR10 (Financial Choice Act)/S370 (Repeal CFPB Act), S365 (Change Funding of CFPB), S387 (Consumer Financial Protection Bureau Accountability Act of 2017), S105 (Consumer Financial Protection Board Act of 2017), S626 (CFPB-IG Act of 2017), S552/HR1414 (Justice for Victims of Fraud Act of 2017), HR50 (Unfunded Mandates Information and Transparency Act of 2017), HR1116/S366 (TAILOR Act of 2017), HR1018 (CFPB Constitutional Reform Act of 2017) and SJR19/HJR73/HJR62 (To repeal CFPB Prepaid rule) and HJR 111/SJR47 to repeal CFPB arbitration rule. HR2133 (CLEARR Act of 2017 to weaken civil rights lending laws). HR5 (Regulatory Accountability Act) and similar regulatory/Administrative Procedures Act/benefit-cost analysis bills and riders. S1816, S1810, HR3878 and other bills to enact free credit freezes. S1786 (Secure Act)/HR3755 (Comprehensive Credit Reform Reporting Act and S1819/HR3783 (Equal Credit for All Acts) to amend the Fair Credit Reporting Act. HR3606 (Overdraft Protection Act). cOppose HR 3796 (Anti-Pyramid Scheme Promotion Act) and any riders to do same. HR3280 (Financial Services and General Government Appropriations Act) and any riders incorporated to weaken CFPB or Dodd-Frank Act generally. Support FHFA Preferred Language efforts.

Issues related to the Consumer Financial Protection Bureau and consumer financial protection, generally; H.R. 3746: Business of Insurance Regulatory Reform Act S.387: Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 1018: CFPB Constitutional Reform Act of 2017 H.J.Res: Disapproving the rule submitted by the Department of Labor relating to savings arrangements established by qualified State political subdivisions for non-governmental employees. H.J.Res 111: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" Issues related to Department of Labor's rule redefining Fiduciary under ERISA, generally: H.R. 355: Protecting American Families' Retirement Advice Act H.R. 2823: Affordable Retirement Advice for Savers Act S. 1321: Affordable Retirement Advice Protection Act H.R. 3758: Senior Safe Act of 2017

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

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 10, HR 389, HR 1018, HR 1031, HR 1116, HR 1153, HR 1244, HR 1264, HR 1401, HR 1422, HR 1423, HR 1426, HR 1457, HR 1529, HR 1699, HR 1801, HR 1958, HR 1964, HR 2133, HR 2170, HR 2215, HR 2226, HR 2246, HR 2359, HR 2403, HR 2553, HR 2570, HR 2706, HR 2793, HR 2868, HR 2874, HR 2875, HR 2877, HR 2890, HR 2954, HR 3072, HR 3110, HR 3221, HR 3312, HR 3354, HR 3746, HR 3758, HR 3766, HR 3857, HR 3866, HR 3971, HR 3978, HR 4081, HR 4296, HR 4439, HR 4464, HR 4499, HR 4545, HR 4648, HR 4651; HJ Res 62, HJ Res 73, HJ Res 111, HJ Res 122; S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 563, S 567, S 836, S 838, S 1002, S 1264, S 1284, S 1313, S 1315, S 1368, S 1389, S 1499, S 1571, S 1579, S 1642, S 1753, S 1810, S 1962, S 1982, S 2155, S 2171, S 2237; SJ Res 47; data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

All legislation, executive orders or agency actions pertaining to the Consumer Financial Protection Bureau, including to restrict its authorities, change its structure to a commission or modify its independent funding and all proposals to implement the Congressional Review Act to rescind CFPB rules, including the prepaid card rule of October 2016 and the arbitration rule of July 2017; comment on all rules proposed by the CFPB, including its high-cost (payday) and arbitration draft rules. Comment on all Executive Orders and Requests for Information pertaining to changing or limiting the structure of US Financial Regulation system. All agency proposed rules, requests for Information or guidances concerning "fintech" firms and their chartering. Oppose all appropriations riders to subject independent agencies to restrictive, duplicative regulatory cost-benefit analysis and OMB/OIRA oversight. Bills include S2155, The Economic Growth, Regulatory Relief, and Consumer Protection Act, HR3746, The Business of Insurance Regulatory Reform Act of 2017; HR2396, The Privacy Notification Technical Clarification Act; HR435, The Credit Access and Inclusion Act of 2017; HR2706, The Financial Institution Customer Protection Act of 2017; HR10 (Financial Choice Act)/S370 (Repeal CFPB Act), S365 (Change Funding of CFPB), S387 (Consumer Financial Protection Bureau Accountability Act of 2017), S105 (Consumer Financial Protection Board Act of 2017), S626 (CFPB-IG Act of 2017), S552/HR1414 (Justice for Victims of Fraud Act of 2017), HR50 (Unfunded Mandates Information and Transparency Act of 2017), HR1116/S366 (TAILOR Act of 2017), HR1018 (CFPB Constitutional Reform Act of 2017) and SJR19/HJR73/HJR62 (To repeal CFPB Prepaid rule) and HJR 111/SJR47 to repeal CFPB arbitration rule. HR2133 (CLEARR Act of 2017 to weaken civil rights lending laws). HR5 (Regulatory Accountability Act) and similar regulatory/Administrative Procedures Act/benefit-cost analysis bills and riders. S1816, S1810, HR3878 and other bills to enact free credit freezes. S1786 (Secure Act)/HR3755 (Comprehensive Credit Reform Reporting Act and S1819/HR3783 (Equal Credit for All Acts) to amend the Fair Credit Reporting Act. HR3606 (Overdraft Protection Act). cOppose HR 3796 (Anti-Pyramid Scheme Promotion Act) and any riders to do same. HR3280 (Financial Services and General Government Appropriations Act) and any riders incorporated to weaken CFPB or Dodd-Frank Act generally. Support FHFA Preferred Language efforts.

Issues related to Dodd-Frank; H.R. 45 re Regulatory Relief H.R. 70 re Financial Reform H.R. 493 re Dodd-Frank Reform H.R. 585 re Financial Reform H.R. 832 re Consumer Financial Products H.R. 1018 re CFPB H.R. 1031 re CFPB H.R. 1459 re FSOC H.R. 1637 re CFPB S. 365 re CFPB S. 370 re Dodd-Frank Reform S. 387 re CFPB H.R. 4061 re Dodd-Frank FSOC H.R. 3762 re Dodd-Frank FIO H.R. 3861 re Dodd-Frank FIO H.R. 3746 re Dodd-Frank CFPB H.R. 4537 re Dodd-Frank FIO

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.916 To amend the Congressional Budget and Impoundment Control Act of 1974 to prohibit the use of guarantee fees as offsets. H.R.1018 To replace the Director of the Bureau ofConsumerFinancialProtectionwith a 5-person commission, and for other purposes. H.R.1116 TAILOR Act H.R. 1153 Mortgage Choice Act of 2017 H.R.1257 Securities and Exchange Commission Overpayment Credit Act H.R.1366 U.S. Territories Investor Protection Act of 2017 H.R.389 Credit Union Residential Loan Parity Act H.R.491 Let the GSEs Pay Us Back Act of 2017 H.R.815 To amend title 38, United States Code, to adjust certain limits on the guaranteed amount of a home loan under the home loan program of the Department of Veterans Affairs. H.R.910 Fair Access to Investment Research Act of 2017 H.R.1219 Supporting America's Innovators Act of 2017 H.R. 1637 RIGHTS at the CFPB Act of 2017 H.R. 2133 CLEARR Act H.R. 2226 Portfolio Lending and Mortgage Access Act H.R. 2948 To amend the S.A.F.E. Mortgage Licensing Act of 2008 to provide a temporary license for loan originators transitioning between employers, and for other purposes. H.R. 2890 Housing Opportunity Mortgage Expansion Act H.R. 4278 Independence from Credit Policy Act of 2017 H.R. 2148 Clarifying Commercial Real Estate Loans H.R. 2954 Home Mortgage Disclosure Adjustment Act H.R. 4607 Comprehensive Regulatory Review Act H.R. 3221 Securing Access to Affordable Mortgages Act H.R. 3299 Protecting Consumers' Access to Credit Act of 2017 H.R. 3978 TRID Improvement Act of 2017 S.105 Consumer Financial Protection Board Act of 2017 S.365 A bill to amend theConsumerFinancialProtectionAct of 2010 to remove the funding cap relating to the transfer of funds from the Board of Governors of the Federal Reserve System to the Bureau ofConsumerFinancialProtection, and for other purposes. S.366 TAILOR Act S.370 A bill to eliminate the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. S.387 A bill to amend theConsumerFinancialProtectionAct of 2010 to subject the Bureau ofConsumerFinancialProtectionto the regular appropriations process, and for other purposes. S. 626 CFPB-IG Act of 2017 S. 1753 SAFE Transitional License Act S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2304 A bill to amend title 38, United States Code, to protect veterans from predatory lending, and for other purposes. (could also go under Housing*)

H.R. 10 Financial Regulatory Reform H.R. 45 Financial Regulatory Reform H.R. 70 Federal Advisory Committee Act Amendments H.R. 493 Wall Street H.R. 585 Pre-Dispute Arbitration Agreement Prohibition H.R. 832 Consumer Financial Products Dispute Proceedings H.R. 1018 Director of the Bureau of Consumer Financial Protection H.R. 1031 Bureau of Consumer Financial Protection H.R. 1459 Regular Appropriations Process S. 365 Fund Transfer Funding Cap S. 370 Bureau of Consumer Financial Protection S. 387 Consumer Financial Protection Bureau Appropriations H.R. 2553 Bureau of Consumer Financial Protection H.R. 2750 Office of Financial Research Independent Funding S. 923 Financial Institutions Regulations Exemption H.R. 3312 Bank Holding Companies and Enhanced Supervision S. 1579 Consumer Financial Protection Advisory Boards S. 1744 Securities and Exchange Commission Regulations H.R. 4061 Financial Stability Oversight Council H.R. 4293 Comprehensive Capital Analysis and Review Process H.R. 4302 Congressional Accountability for Emergency Lending

Client expense: $1,390,000 · Firm income: Not reported

HR 1018 HR 2706 HR 3299 S 159 S 370 S 387

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the Consumer Financial Protection Bureau and consumer financial protection, generally; S.387: Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 1018: CFPB Constitutional Reform Act of 2017 H.J.Res: Disapproving the rule submitted by the Department of Labor relating to savings arrangements established by qualified State political subdivisions for non-governmental employees. H.J.Res 111: Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements" Issues related to Department of Labor's rule redefining Fiduciary under ERISA, generally: H.R. 355: Protecting American Families' Retirement Advice Act H.R. 2823: Affordable Retirement Advice for Savers Act S. 1321: Affordable Retirement Advice Protection Act

Client expense: $450,000 · Firm income: Not reported

All legislation, executive orders or agency actions pertaining to the Consumer Financial Protection Bureau, including to restrict its authorities, change its structure to a commission or modify its independent funding and all proposals to implement the Congressional Review Act to rescind CFPB rules, including the prepaid card rule of October 2016 and the arbitration rule of July 2017; comment on all rules proposed by the CFPB, including its high-cost (payday) and arbitration draft rules. Comment on all Executive Orders and Requests for Information pertaining to changing or limiting the structure of US Financial Regulation system. All agency proposed rules, requests for Information or guidances concerning ""fintech"" firms and their chartering. Oppose all appropriations riders to subject independent agencies to restrictive, duplicative regulatory cost-benefit analysis and OMB/OIRA oversight. Bills include HR10 (Financial Choice Act)/S370 (Repeal CFPB Act), S365 (Change Funding of CFPB), S387 (Consumer Financial Protection Bureau Accountability Act of 2017), S105 (Consumer Financial Protection Board Act of 2017), S626 (CFPB-IG Act of 2017), S552/HR1414 (Justice for Victims of Fraud Act of 2017), HR50 (Unfunded Mandates Information and Transparency Act of 2017), HR1116/S366 (TAILOR Act of 2017), HR1018 (CFPB Constitutional Reform Act of 2017) and SJR19/HJR73/HJR62 (To repeal CFPB Prepaid rule) and HJR 111/SJR47 to repeal CFPB arbitration rule. HR2133 (CLEARR Act of 2017 to weaken civil rights lending laws). HR5 (Regulatory Accountability Act) and similar regulatory/Administrative Procedures Act/benefit-cost analysis bills and riders. S1816, S1810, HR3878 and other bills to enact free credit freezes. S1786 (Secure Act)/HR3755 (Comprehensive Credit Reform Reporting Act and S1819/HR3783 (Equal Credit for All Acts) to amend the Fair Credit Reporting Act. HR3606 (Overdraft Protection Act). cOppose HR 3796 (Anti-Pyramid Scheme Promotion Act) and any riders to do same. HR3280 (Financial Services and General Government Appropriations Act) and any riders incorporated to weaken CFPB or Dodd-Frank Act generally. OCC - Urge agency not to establish special national bank charter for finetch firms. FHFA - In response to Request for Input (RFI), urge this agency (new name ends in Agency-FHFA) to improve language access in materials.

HR 1018 HR 2706 S 159 S 370 S 387

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.916 To amend the Congressional Budget and Impoundment Control Act of 1974 to prohibit the use of guarantee fees as offsets. H.R.1018 To replace the Director of the Bureau ofConsumerFinancialProtectionwith a 5-person commission, and for other purposes. H.R.1116 TAILOR Act H.R. 1153 Mortgage Choice Act of 2017 H.R.1257 Securities and Exchange Commission Overpayment Credit Act H.R.1366 U.S. Territories Investor Protection Act of 2017 H.R.389 Credit Union Residential Loan Parity Act H.R.491 Let the GSEs Pay Us Back Act of 2017 H.R.815 To amend title 38, United States Code, to adjust certain limits on the guaranteed amount of a home loan under the home loan program of the Department of Veterans Affairs. H.R.910 Fair Access to Investment Research Act of 2017 H.R.1219 Supporting America's Innovators Act of 2017 H.R. 1637 RIGHTS at the CFPB Act of 2017 H.R. 2133 CLEARR Act H.R. 2226 Portfolio Lending and Mortgage Access Act H.R. 2948 To amend the S.A.F.E. Mortgage Licensing Act of 2008 to provide a temporary license for loan originators transitioning between employers, and for other purposes. S.105 Consumer Financial Protection Board Act of 2017 S.365 A bill to amend theConsumerFinancialProtectionAct of 2010 to remove the funding cap relating to the transfer of funds from the Board of Governors of the Federal Reserve System to the Bureau ofConsumerFinancialProtection, and for other purposes. S.366 TAILOR Act S.370 A bill to eliminate the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. S.387 A bill to amend theConsumerFinancialProtectionAct of 2010 to subject the Bureau ofConsumerFinancialProtectionto the regular appropriations process, and for other purposes. S. 626 CFPB-IG Act of 2017

Issues related to Dodd-Frank; H.R. 45 re Regulatory Relief H.R. 70 re Financial Reform H.R. 493 re Dodd-Frank Reform H.R. 585 re Financial Reform H.R. 832 re Consumer Financial Products H.R. 1018 re CFPB H.R. 1031 re CFPB H.R. 1459 re FSOC H.R. 1637 re CFPB S. 365 re CFPB S. 370 re Dodd-Frank Reform S. 387 re CFPB H.R. 4061 re Dodd-Frank FSOC H.R. 3762 re Dodd-Frank FIO H.R. 3861 re Dodd-Frank FIO H.R. 3746 re Dodd-Frank FPB

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 10 Financial Regulatory Reform H.R. 45 Financial Regulatory Reform H.R. 70 Federal Advisory Committee Act Amendments H.R. 493 Wall Street H.R. 585 Pre-Dispute Arbitration Agreement Prohibition H.R. 832 Consumer Financial Products Dispute Proceedings H.R. 1018 Director of the Bureau of Consumer Financial Protection H.R. 1031 Bureau of Consumer Financial Protection H.R. 1459 Regular Appropriations Process S. 365 Fund Transfer Funding Cap S. 370 Bureau of Consumer Financial Protection S. 387 Consumer Financial Protection Bureau Appropriations H.R. 2553 Bureau of Consumer Financial Protection H.R. 2750 Office of Financial Research Independent Funding S. 923 Financial Institutions Regulations Exemption H.R. 3312 Bank Holding Companies and Enhanced Supervision S. 1579 Consumer Financial Protection Advisory Boards S. 1744 Securities and Exchange Commission Regulations

Client expense: $1,250,000 · Firm income: Not reported

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 10, HR 389, HR 1018, HR 1031, HR 1116, HR 1153, HR 1244, HR 1264, HR 1401, HR 1422, HR 1423, HR 1426, HR 1529, HR 1699, HR 1801, HR 1958, HR 1964, HR 2133, HR 2170, HR 2215, HR 2226, HR 2246, HR 2359, HR 2403, HR 2553, HR 2570, HR 2706, HR 2793, HR 2868, HR 2874, HR 2875, HR 2877, HR 2890, HR 2954, HR 3072, HR 3110, HR 3312, HR 3354, HR 3746, HR 3758, HR 3766, HR 3857, HR 3866; HJ Res 62, HJ Res 73, HJ Res 111; S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 563, S 567, S 836, S 838, S 1002, S 1264, S 1284, S 1313, S 1315, S 1368, S 1389, S 1499, S 1571, S 1579, S 1642, S 1753, S 1810; SJ Res 47; data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 10 HR 26, HR 389, HJ Res 62, HR 1018, HR 1031, HJ Res 73, HR 1116, HR 1153, HR 1244, HR 1264, HR 1366, HR 1401, HR 1422, HR 1423, HR 1426, HR 1459,, HR 1699, HR 1801, HR 1833, HR 1929, HR 1948, HR 1958, HR 1964, HR 2054, HR 2133, HR 2148, HR 2170, HR 2204, HR 2215, HR 2226, HR 2246, HR 2359, HR 2396, HR 2403, HR 2548, HR 2553, HR 2565, HR 2570, HR 2706, HR 2793, HR 2868, HR 2874, HR 2875, HR 2877, HR 2890; S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 389, S 563, S 567, S 626, S 639, S 836, S 838, S 869, S 1002, S 1058, S 1264, S 1284, S 130, S 1313, S 1315, S 1368, data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the Consumer Financial Protection Bureau and consumer financial protection, generally; S.387: Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 1018: CFPB Constitutional Reform Act of 2017 H.J.Res: Disapproving the rule submitted by the Department of Labor relating to savings arrangements established by qualified State political subdivisions for non-governmental employees. Issues related to Department of Labor's rule redefining Fiduciary under ERISA, generally: H.R. 355: Protecting American Families' Retirement Advice Act H.R. 2823: Affordable Retirement Advice for Savers Act S. 1321: Affordable Retirement Advice Protection Act

Client expense: $660,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

HR 1018 HR 2706 S 159 S 370 S 387

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

All legislation, executive orders or agency actions pertaining to the Consumer Financial Protection Bureau, including to restrict its authorities, change its structure to a commission or modify its independent funding and all proposals to implement the Congressional Review Act to rescind CFPB rules, including the prepaid card rule of October 2016; comment on all rules proposed by the CFPB, including its high-cost (payday) and arbitration draft rules. Comment on all Executive Orders and Requests for Information pertaining to changing or limiting the structure of US Financial Regulation system. All agency proposed rules, requests for Information or guidances concerning "fintech" firms and their chartering. Oppose all appropriations riders to subject independent agencies to restrictive, duplicative regulatory cost-benefit analysis and OMB/OIRA oversight. Bills include HR10 (Financial Choice Act)/S370 (Repeal CFPB Act), S365 (Change Funding of CFPB), S387 (Consumer Financial Protection Bureau Accountability Act of 2017), S105 (Consumer Financial Protection Board Act of 2017), S626 (CFPB-IG Act of 2017), S552/HR1414 (Justice for Victims of Fraud Act of 2017), HR50 (Unfunded Mandates Information and Transparency Act of 2017), HR1116/S366 (TAILOR Act of 2017), HR1018 (CFPB Constitutional Reform Act of 2017) and SJR19/HJR73/HJR62 (To repeal CFPB Prepaid rule). HR2133 (CLEARR Act of 2017 to weaken civil rights lending laws). HR5 (Regulatory Accountability Act) and similar regulatory/Administrative Procedures Act/benefit-cost analysis bills and riders.

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

H.R.916 To amend the Congressional Budget and Impoundment Control Act of 1974 to prohibit the use of guarantee fees as offsets. H.R.1018 To replace the Director of the Bureau ofConsumerFinancialProtectionwith a 5-person commission, and for other purposes. H.R.1116 TAILOR Act H.R. 1153 Mortgage Choice Act of 2017 H.R.1257 Securities and Exchange Commission Overpayment Credit Act H.R.1366 U.S. Territories Investor Protection Act of 2017 H.R.389 Credit Union Residential Loan Parity Act H.R.491 Let the GSEs Pay Us Back Act of 2017 H.R.815 To amend title 38, United States Code, to adjust certain limits on the guaranteed amount of a home loan under the home loan program of the Department of Veterans Affairs. H.R.910 Fair Access to Investment Research Act of 2017 H.R.1219 Supporting America's Innovators Act of 2017 H.R. 1637 RIGHTS at the CFPB Act of 2017 H.R. 2133 CLEARR Act H.R. 2226 Portfolio Lending and Mortgage Access Act H.R. 2948 To amend the S.A.F.E. Mortgage Licensing Act of 2008 to provide a temporary license for loan originators transitioning between employers, and for other purposes. S.105 Consumer Financial Protection Board Act of 2017 S.365 A bill to amend theConsumerFinancialProtectionAct of 2010 to remove the funding cap relating to the transfer of funds from the Board of Governors of the Federal Reserve System to the Bureau ofConsumerFinancialProtection, and for other purposes. S.366 TAILOR Act S.370 A bill to eliminate the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. S.387 A bill to amend theConsumerFinancialProtectionAct of 2010 to subject the Bureau ofConsumerFinancialProtectionto the regular appropriations process, and for other purposes. S. 626 CFPB-IG Act of 2017

H.R. 10 Financial Regulatory Reform H.R. 45 Financial Regulatory Reform H.R. 70 Federal Advisory Committee Act Amendments H.R. 493 Wall Street H.R. 585 Pre-Dispute Arbitration Agreement Prohibition H.R. 832 Consumer Financial Products Dispute Proceedings H.R. 1018 Director of the Bureau of Consumer Financial Protection H.R. 1031 Bureau of Consumer Financial Protection H.R. 1459 Regular Appropriations Process S. 365 Fund Transfer Funding Cap S. 370 Bureau of Consumer Financial Protection S. 387 Consumer Financial Protection Bureau Appropriations H.R. 2553 Bureau of Consumer Financial Protection H.R. 2750 Office of Financial Research Independent Funding S. 923 Financial Institutions Regulations Exemption

Client expense: $1,460,000 · Firm income: Not reported

Issues related to Dodd-Frank; H.R. 45 re Regulatory Relief H.R. 70 re Financial Reform H.R. 493 re Dodd-Frank Reform H.R. 585 re Financial Reform H.R. 832 re Consumer Financial Products H.R. 1018 re CFPB H.R. 1031 re CFPB H.R. 1459 re FSOC H.R. 1637 re CFPB S. 365 re CFPB S. 370 re Dodd-Frank Reform S. 387 re CFPB

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Legislation; HR 2896, Taking Account of Institutions with Low Operation Risk Act of 2015; H.R. 766, the Financial Institution Customer Protection Act of 2015; All legislation concerning budget views or appropriations, including concerning riders on independent funding, structure and authority of CFPB (Financial Services and General Government Appropriations (HR5485/S2663); riders on transportation safety and airline fee disclosure. All legislation concerning amendments to DoddFrank Wall Street Reform and Consumer Protection Act, including authority of agencies to enforce laws to protect consumers, taxpayers. H.R.4781 FDIC Accountability Act of 2016; HR 1265, Bureau Advisory Commission Transparency Act; HR 1263, Consumer Financial Protection Safety and Soundness Improvement Act of 2015; HR 1262, Consumer Right to Financial Privacy Act of 2015; HR 1264, CFPB Pay Fairness Act of 2015; HR 1261, Bureau of Consumer Financial Protection Accountability Act of 2015; HR 1413/S477, Firearms Manufacturers and Dealers Protection Act of 2015 (FDIC Operation Choke Point); H.R. 766 and S2790, the Financial Institution Customer Protection Act of 2015. HR 5510, to weaken FTC; HR 4768 Separation of Powers Restoration Act; other riders and amendments to weaken independent agency authority to enact regulations. HR4172 Full file credit reporting; HR5282 Fair Credit Reporting Act amendments. Department of Education Gainful Employment rule. including HR4768, the Separation of Powers Restoration Act; HR4612 and sections of HR4361 concerning the Midnight Rules Relief Act; S2355, the Credit Access and Inclusion Act; HR5424, the Investment Advisors Modernization Act; HR5226, the Regulatory Integrity Act; HR3468, The Review Act; HR5063, the Stop Settlement Funds Act and any similar riders proposed to Appropriations Bills such as HR5485/SB3067, Financial Services and General Government Appropriations Acts for 2017. File comments to CFPB on Docket 20160020 on forced arbitration; file comment to CFPB on announcement of Debt Collection rulemaking SBREFA process; meet with CFPB on consumer complaint database, payday lending and other matters. File comment to financial and bank regulators on status of completion of rulemaking on DoddFrank Section 956, Executive Compensation; All legislation pertaining to the Consumer Financial Protection Bureau, including to restrict its authorities, change its structure to a commission or modify its independent funding and all proposals to implement the Congressional Review Act to rescind CFPB rules, including the prepaid card rule of October 2016; comment on all rules proposed by the CFPB, including its high-cost (payday) and arbitration draft rules. Comment on all Executive Orders and Requests for Information pertaining to changing or limiting the structure of US Financial Regulation system. All agency proposed rules, requests for Information or guidances concerning "fintech" firms and their chartering. Oppose all appropriations riders to subject independent agencies to restrictive, duplicative regulatory cost-benefit analysis and OMB/OIRA oversight. Bills include HR103/S370, S365, S387, S105, S626, S552/HR1414, HR50, HR1116/S366, HR1018 and SJR19/HJR73/HJR62.

Issues related to the Consumer Financial Protection Bureau and consumer financial protection, generally; S.387: Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 1018: CFPB Constitutional Reform Act of 2017 Issues related to Department of Labor's rule redefining Fiduciary under ERISA, generally: H.R. 355: Protecting American Families' Retirement Advice Act H.J.Res: Disapproving the rule submitted by the Department of Labor relating to savings arrangements established by qualified State political subdivisions for non-governmental employees.

Client expense: $680,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of the Vice President of the United States, SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R.916 To amend the Congressional Budget and Impoundment Control Act of 1974 to prohibit the use of guarantee fees as offsets. H.R.1018 To replace the Director of the Bureau ofConsumerFinancialProtectionwith a 5-person commission, and for other purposes. H.R.1116 TAILOR Act H.R.1257 Securities and Exchange Commission Overpayment Credit Act H.R.1366 U.S. Territories Investor Protection Act of 2017 H.R.389 Credit Union Residential Loan Parity Act H.R.491 Let the GSEs Pay Us Back Act of 2017 H.R.815 To amend title 38, United States Code, to adjust certain limits on the guaranteed amount of a home loan under the home loan program of the Department of Veterans Affairs. H.R.910 Fair Access to Investment Research Act of 2017 H.R.1219 Supporting America's Innovators Act of 2017 S.105 Consumer Financial Protection Board Act of 2017 S.365 A bill to amend theConsumerFinancialProtectionAct of 2010 to remove the funding cap relating to the transfer of funds from the Board of Governors of the Federal Reserve System to the Bureau ofConsumerFinancialProtection, and for other purposes. S.366 TAILOR Act S.370 A bill to eliminate the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. S.387 A bill to amend theConsumerFinancialProtectionAct of 2010 to subject the Bureau ofConsumerFinancialProtectionto the regular appropriations process, and for other purposes.

Client expense: $805,000 · Firm income: Not reported

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 26, HR 389, HJ Res 62, HR 1018, HR 1031, HJ Res 73, HR 1116, HR 1153, HR 1244, HR 1264, HR 1366, HR 1401, HR 1422, HR 1423, HR 1426, HR 1459,, HR 1699, HR 1801, S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 389, S 563, S 567, data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1018 S 159 S 370 S 387

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE