Taking Account of Institutions with Low Operation Risk Act of 2017

Preserving the credit union tax exemption; Repeal of the Durbin Amendment on debit interchange; Regulatory relief for credit unions; Credit union exemptions from the CFPB; Reforms to the structure of the CFPB and its powers; data and cyber security - creation of a national data security standard; Housing Finance Reform - ensuring that credit unions have unfettered access to the secondary mortgage market based on loan quality rather than quantity; Member Business Lending - raise the arbitrary cap, raise the de minimis exclusion; exempt loans to veterans from the definition of MBL, and exclude non-owner occupied, 1-4-family dwellings from the calculation of the cap on credit union member business loans (H.R. 389/S. 836); Capital Access for Small Businesses and Jobs Act (H.R. 1244); TRID Improvement Act (H.R. 5078/S. 2490); Bank Secrecy Act; FCC Oversight; Patent Reform - provide relief from practices of patent trolls; NFIP - National flood insurance program; The REINS Act (H.R. 26/S. 21); Regulatory Flexibility Act; Improve or require agency regulatory guidance; Financial CHOICE Act (H.R. 10); Community Financial Institution Exemption Act (H.R. 1264); Financial Services for the Underserved Act (H.R. 4665); Senior$afe Act (H.R. 3758/S. 223); Community Mortgage Lender Regulatory Act of 2017 (H.R. 1964); Securing Access to Affordable Mortgage Act of 2017 (H.R. 3221); Greater pre-emption authority for the NCUA; Mortgage Choice Act (H.R. 1153); Preserving Access to Manufactured Housing Act (H.R.1699/S. 1751); Consumer Financial Protection Board Act 2017 (S. 105); Financial Product Safety Commission Act of 2018 (H.R. 5266); TAILOR Act (H.R. 1116/S.366); CFPB Accountability Act of 2017 or the TABS Act of 2017 (H.R. 2553/S.387); Subject CFPB to Congressional appropriations process; Financial Institutions Examination Fairness and Reform Act (H.R. 4545/S. 2237); Expanding SBA business loan programs; Financial Institution Customer Protection Act (H.R. 2706); Financial services and general government appropriations bill; Home Mortgage Disclosure Adjustment Act (H.R. 2954/S. 1310); Home Mortgage Reporting Relief Act of 2017 (H.R. 4648); QM safe harbor for portfolio loans; Portfolio Lending and Mortgage Access Act (H.R. 2226/S. 2013); the Community Lending Enhancement and Regulatory Relief Act (H.R. 2133/S.1002); Common Sense Credit Union Capital Relief Act of 2017 (H.R. 4464); Risk-Based Capital; Common Sense Credit Union Capital Relief Act of 2018 (H.R. 5288/S.3750); Credit Score Competition Act (H.R. 898/S. 1685); Community Institution Mortgage Relief Act of 2017 (H.R. 3971); Small Business 7(a) Lending Oversight Reform Act (H.R. 4743/S.2283); Business of Insurance Regulatory Reform Act of 2017 (H.R. 3746); Subject non-depository GLBA institutions to regular examinations; require credit reporting agencies to notify depository institutions when one of their accounts is breached; Protecting Americans from Credit Entanglements Act (H.R. 1958/S.838); Making Online Banking Initiation Legal and Easy Act of 2017 (H.R. 1457); Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155); Securing Access to Affordable Mortgages Act (H.R. 3221); Protecting Consumers' Access to Credit Act of 2017 (H.R. 3299); H.R. 4296 - related to operational risk capital requirements; Lawsuit abuse related to website access requirements under the Americans with Disabilities Act; the ADA Education and Reform Act of 2017 (H.R. 620); CFPB Examination and Reporting Threshold Act (H.R. 3072). NCUA - Voluntary mergers; reforms to credit union capital requirements; supplemental capital for credit unions; FOM improvements; FCU interest rate cap; asset securitization authority for credit unions; Call report modernization; NCUSIF issues including NOL ratio and equity distribution; short-term small dollar lending; de novo charter process, approvals, and flexibility; consistent examination expectations; Issuance of clear UDAAP expectations; Exam appeals process; Codify IRPS; Bylaws ANPR; Capital Planning and Supervisory Stress Testing; Accuracy of Advertising; support for NCUA Regulatory Reform Agenda; Extend examination cycle for low-risk, well-run credit unions greater than $1 billion in assets; CFPB - Use of Section 1022 exemption authority; rulemakings related to debt collection, overdraft, qualified mortgage, ATR, mortgage servicing, consumer complaint database (and consumer inquiry handling process), Home Mortgage Disclosure Act (HMDA) requirements and reporting thresholds, implementation and examination, prepaid accounts; Section 1071 small business data collection; remittances rule and review; Truth in Lending Act/Real Estate Settlement Procedures Act (TILA/RESPA); free access to credit scores for consumers; Amendments to TILA/RESPA Integrated Disclosure Rule (TRID); Dept. of Treasury - Executive Order implementation, streamlining CDFI certifications, CDFI and CDRLF funding; cybersecurity interagency coordination; Regulation of FinTech companies; Do not subject credit unions to the Community Reinvestment Act (CRA); FCC - TCPA reform and requirements, interpretations, and litigation, fighting robocalls; FHFA - chattel loans/duty to serve; GSEs use of alternative credit scores; Credit Risk Transfer transactions; implementation of the Common Securitization Platform (CSP) and Single Security; FHLB Capital Requirements; FHLB role in mortgage market; SBA - Expanding CU participation in SBA lending; Dept. of Defense - Military Lending Act (MLA) Final Rule changes, guidance and implementation; IRS - guidance related to the tax reform bill, including executive compensation excise tax; Dept. of Labor - Revocation of Fiduciary Duty rule and Overtime rule; Dept. of Justice - ADA standards and guidance related to website accessibility; FTC - frivolous demand letters in violation of the Federal Trade Commission Act; FinCEN - Burden related to Suspicious Activities Reports (SARs) required under the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules, raising the required SAR reporting threshold; combating financial crimes; Federal Reserve - Regulation CC; acceptance of electronically signed loans as pledged collateral; role in payments system; Electronic Signatures; NIST - framework for Improving Critical Infrastructure Cybersecurity; Dept. of VA - Allowable Charges and Fees Assessed Incident to VA-Guaranteed Home Loans; FFIEC - evolution of the Cybersecurity Assessment Tool (CAT); FASB - CECL Accounting Standard implementation; Involuntary Liquidation of FCUs and Claims Procedures; Modernizing data collection for supervision of credit unions; FHFA's Affordable Housing Program; IRS oversight of credit unions; FinCEN's Customer Due Diligence Rule; CFPB Civil Investigative Demands and Associated processes; CFPB's Rules of Practice for Adjudication Proceedings; Collection of Checks and other items by Federal Reserve Banks and Funds Transfers Through Fedwire; CFPB's Enforcement Processes; Federal Credit Union Bylaws; CFPB's Supervision Program; Proposed Suspension and Debarment Procedures; FY'19 FSGG Appropriations Bill; CFPB's RFI regarding external engagements; Regulatory Review; CFPB's Rulemaking Processes; the Give Useful Information to Define Effective Compliance Act (H.R. 5534); the Counter Terrorism and Illicit Finance Act (H.R. 6068); Regulatory Changes in Light of S. 2155; CFPB's Adopted Regulations and New Rulemakings Authorities; Volker Rule; Feedback regarding operating vision for the US Faster Payments Council; CFPB's Inherited Regulations and Inherited Rulemaking Authorities; Title VII of H.R. 5841; CFPB financial education programs; financial literacy; Payday Alternative Loans (PALs); privacy risks regarding data sharing and section 1033 of Dodd-Frank; Disparate Impact Standard; Identity Fraud; Variable Interest Rates; Glass-Steagall Act; Credit Bureaus and the Fair Credit Reporting Act; NDAA - bank operations on military bases; USPS banking services; H.R. 5036, the Financial Technology Protection Act; H.R. 6743 - the Consumer Information Notification Requirement Act, NCUAs proposed rulemaking on loans and lines of credit (RIN 3133-AE88); CFPBs proposed policy to Encourage Trial Disclosure Program; NCUA budget; FHFAs Enterprise Capital Requirements (RIN 2590-AA95); FHFAs Uniform Mortgage-Backed Security (RIN 2590-AA94); NCUAs Real Estate Appraisals (3133-AE79); Potential Federal Reserve Actions to Support Interbank Settlement of Faster Payments, RFC (Docket No. OP-1625); SBAs Express Loan Programs; Affiliation Standards (RIN 3245-AG74); CFPB Data Collection and internal data governance policies RFI.

Client expense: $530,000 · Firm income: Not reported

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

Preserving the credit union tax exemption; Repeal of the Durbin Amendment on debit interchange; Regulatory relief for credit unions; Credit union exemptions from the CFPB; Reforms to the structure of the CFPB and its powers; data and cyber security - creation of a national data security standard; Housing Finance Reform - ensuring that credit unions have unfettered access to the secondary mortgage market based on loan quality rather than quantity; Member Business Lending - raise the arbitrary cap, raise the de minimis exclusion; exempt loans to veterans from the definition of MBL, and exclude non-owner occupied, 1-4-family dwellings from the calculation of the cap on credit union member business loans (H.R. 389/S. 836); Capital Access for Small Businesses and Jobs Act (H.R. 1244); TRID Improvement Act (H.R. 5078/S. 2490); Bank Secrecy Act; FCC Oversight; Patent Reform - provide relief from practices of patent trolls; NFIP - National flood insurance program; The REINS Act (H.R. 26/S. 21); Regulatory Flexibility Act; Improve or require agency regulatory guidance; Financial CHOICE Act (H.R. 10); Community Financial Institution Exemption Act (H.R. 1264); Financial Services for the Underserved Act (H.R. 4665); Senior$afe Act (H.R. 3758/S. 223); Community Mortgage Lender Regulatory Act of 2017 (H.R. 1964); Securing Access to Affordable Mortgage Act of 2017 (H.R. 3221); Greater pre-emption authority for the NCUA; Mortgage Choice Act (H.R. 1153); Preserving Access to Manufactured Housing Act (H.R.1699/S. 1751); Consumer Financial Protection Board Act 2017 (S. 105); Financial Product Safety Commission Act of 2018 (H.R. 5266); TAILOR Act (H.R. 1116/S.366); CFPB Accountability Act of 2017 or the TABS Act of 2017 (H.R. 2553/S.387); Subject CFPB to Congressional appropriations process; Financial Institutions Examination Fairness and Reform Act (H.R. 4545/S. 2237); Expanding SBA business loan programs; Financial Institution Customer Protection Act (H.R. 2706); Financial services and general government appropriations bill; Home Mortgage Disclosure Adjustment Act (H.R. 2954/S. 1310); Home Mortgage Reporting Relief Act of 2017 (H.R. 4648); QM safe harbor for portfolio loans; Portfolio Lending and Mortgage Access Act (H.R. 2226/S. 2013); the Community Lending Enhancement and Regulatory Relief Act (H.R. 2133/S.1002); Common Sense Credit Union Capital Relief Act of 2017 (H.R. 4464); Risk-Based Capital; Common Sense Credit Union Capital Relief Act of 2018 (H.R. 5288/S.3750); Credit Score Competition Act (H.R. 898/S. 1685); Community Institution Mortgage Relief Act of 2017 (H.R. 3971); Small Business 7(a) Lending Oversight Reform Act (H.R. 4743/S.2283); Business of Insurance Regulatory Reform Act of 2017 (H.R. 3746); Subject non-depository GLBA institutions to regular examinations; require credit reporting agencies to notify depository institutions when one of their accounts is breached; Protecting Americans from Credit Entanglements Act (H.R. 1958/S.838); Making Online Banking Initiation Legal and Easy Act of 2017 (H.R. 1457); Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155); Securing Access to Affordable Mortgages Act (H.R. 3221); Protecting Consumers' Access to Credit Act of 2017 (H.R. 3299); H.R. 4296 - related to operational risk capital requirements; Lawsuit abuse related to website access requirements under the Americans with Disabilities Act; the ADA Education and Reform Act of 2017 (H.R. 620); CFPB Examination and Reporting Threshold Act (H.R. 3072). NCUA - Voluntary mergers; reforms to credit union capital requirements; supplemental capital for credit unions; FOM improvements; FCU interest rate cap; asset securitization authority for credit unions; Call report modernization; NCUSIF issues including NOL ratio and equity distribution; short-term small dollar lending; de novo charter process, approvals, and flexibility; consistent examination expectations; Issuance of clear UDAAP expectations; Exam appeals process; Codify IRPS; Bylaws ANPR; Capital Planning and Supervisory Stress Testing; Accuracy of Advertising; support for NCUA Regulatory Reform Agenda; Extend examination cycle for low-risk, well-run credit unions greater than $1 billion in assets; CFPB - Use of Section 1022 exemption authority; rulemakings related to debt collection, overdraft, qualified mortgage, ATR, mortgage servicing, consumer complaint database (and consumer inquiry handling process), Home Mortgage Disclosure Act (HMDA) requirements and reporting thresholds, implementation and examination, prepaid accounts; Section 1071 small business data collection; remittances rule and review; Truth in Lending Act/Real Estate Settlement Procedures Act (TILA/RESPA); free access to credit scores for consumers; Amendments to TILA/RESPA Integrated Disclosure Rule (TRID); Dept. of Treasury - Executive Order implementation, streamlining CDFI certifications, CDFI and CDRLF funding; cybersecurity interagency coordination; Regulation of FinTech companies; Do not subject credit unions to the Community Reinvestment Act (CRA); FCC - TCPA reform and requirements, interpretations, and litigation, fighting robocalls; FHFA - chattel loans/duty to serve; GSEs use of alternative credit scores; Credit Risk Transfer transactions; implementation of the Common Securitization Platform (CSP) and Single Security; FHLB Capital Requirements; FHLB role in mortgage market; SBA - Expanding CU participation in SBA lending; Dept. of Defense - Military Lending Act (MLA) Final Rule changes, guidance and implementation; IRS - guidance related to the tax reform bill, including executive compensation excise tax; Dept. of Labor - Revocation of Fiduciary Duty rule and Overtime rule; Dept. of Justice - ADA standards and guidance related to website accessibility; FTC - frivolous demand letters in violation of the Federal Trade Commission Act; FinCEN - Burden related to Suspicious Activities Reports (SARs) required under the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules, raising the required SAR reporting threshold; combating financial crimes; Federal Reserve - Regulation CC; acceptance of electronically signed loans as pledged collateral; role in payments system; Electronic Signatures; NIST - framework for Improving Critical Infrastructure Cybersecurity; Dept. of VA - Allowable Charges and Fees Assessed Incident to VA-Guaranteed Home Loans; FFIEC - evolution of the Cybersecurity Assessment Tool (CAT); FASB - CECL Accounting Standard implementation; Involuntary Liquidation of FCUs and Claims Procedures; Modernizing data collection for supervision of credit unions; FHFA's Affordable Housing Program; IRS oversight of credit unions; FinCEN's Customer Due Diligence Rule; CFPB Civil Investigative Demands and Associated processes; CFPB's Rules of Practice for Adjudication Proceedings; Collection of Checks and other items by Federal Reserve Banks and Funds Transfers Through Fedwire; CFPB's Enforcement Processes; Federal Credit Union Bylaws; CFPB's Supervision Program; Proposed Suspension and Debarment Procedures; FY'19 FSGG Appropriations Bill; CFPB's RFI regarding external engagements; Regulatory Review; CFPB's Rulemaking Processes; the Give Useful Information to Define Effective Compliance Act (H.R. 5534); the Counter Terrorism and Illicit Finance Act (H.R. 6068); Regulatory Changes in Light of S. 2155; CFPB's Adopted Regulations and New Rulemakings Authorities; Volker Rule; Feedback regarding operating vision for the US Faster Payments Council; CFPB's Inherited Regulations and Inherited Rulemaking Authorities; Title VII of H.R. 5841; CFPB financial education programs; financial literacy; Payday Alternative Loans (PALs); privacy risks regarding data sharing and section 1033 of Dodd-Frank; Disparate Impact Standard; Identity Fraud; Variable Interest Rates; Glass-Steagall Act; Credit Bureaus and the Fair Credit Reporting Act; NDAA - bank operations on military bases; USPS banking services; H.R. 5036, the Financial Technology Protection Act; H.R. 6743 - the Consumer Information Notification Requirement Act, NCUAs proposed rulemaking on loans and lines of credit (RIN 3133-AE88); CFPBs proposed policy to Encourage Trial Disclosure Program; NCUA budget; FHFAs Enterprise Capital Requirements (RIN 2590-AA95); FHFAs Uniform Mortgage-Backed Security (RIN 2590-AA94); NCUAs Real Estate Appraisals (3133-AE79); Potential Federal Reserve Actions to Support Interbank Settlement of Faster Payments, RFC (Docket No. OP-1625); SBAs Express Loan Programs; Affiliation Standards (RIN 3245-AG74); CFPB Data Collection and internal data governance policies RFI.

Client expense: $530,000 · Firm income: Not reported

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

H.R. 10, Financial CHOICE Act of 2017 H.R. 21/S. 34, Midnight Rules Relief Act of 2017 H.R. 78, SEC Regulatory Accountability Act H.R. 79/S. 588, Helping Angels Lead Our Startups (HALOS) Act H.R. 238, Commodity End-User Relief Act H.R. 477, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2017 H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 H.R. 1153, Mortgage Choice Act of 2017 H.R. 1219/S. 444, Supporting America's Innovators Act of 2017 H.R. 1257, Securities and Exchange Commission Overpayment Credit Act H.R. 1312/S. 416, Small Business Capital Formation Enhancement Act H.R. 1343, Encouraging Employee Ownership Act of 2017 H.R. 1457, Making Online Banking Initiation Legal and Easy (MOBILE) Act of 2017 H.R. 1585, Fair Investment Opportunities for Professional Experts Act H.R. 1611, Gender Diversity in Corporate Leadership Act of 2017 H.R. 1645/S. 2126, Fostering Innovation Act of 2017 H.R. 1702, Small Business Development Centers Improvement Act of 2018 H.R. 2128, Due Process Restoration Act of 2017 H.R. 2201, Micro Offering Safe Harbor Act H.R. 2226/S. 2013, Portfolio Lending and Mortgage Access Act H.R. 2319, Consumer Financial Choice and Capital Markets Protection Act of 2018 H.R. 2396, Privacy Notification Technical Clarification Act H.R. 2553, Taking Account of Bureaucrats Spending (TABS) Act of 2017 H.R. 2706, Financial Institution Customer Protection Act of 2017 H.R. 3089, Corporate Transparency Act of 2017 H.R. 3093, Investor Clarity and Bank Parity Act H.R. 3179, Transparency and Accountability for Business Standards Act H.R. 3299, Protecting Consumers' Access to Credit Act of 2017 H.R. 3312/S. 1893, Systemic Risk Designation Improvement Act of 2017 H.R. 3746/S. 2702, Business of Insurance Regulatory Reform Act of 2017 H.R. 3762, International Insurance Standards Act of 2017 H.R. 3857, Protecting Advice for Small Savers (PASS) Act of 2017 H.R. 3860, IRS Data Verification Modernization Act of 2017 H.R. 3903/S. 2347, Encouraging Public Offerings Act of 2017 H.R. 3911, Risk-Based Credit Examination Act H.R. 3948, Protection of Source Code Act H.R. 3972, Family Office Technical Correction Act of 2017 H.R. 3973, Market Data Protection Act of 2017 H.R. 3978, TRID Improvement Act of 2017 H.R. 4015, Corporate Governance Reform and Transparency Act of 2017 H.R. 4061, Financial Stability Oversight Council Improvement Act of 2017 H.R. 4248, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to conflict minerals, and for other purposes H.R. 4263, Regulation A+ Improvement Act of 2017 H.R. 4267, Small Business Credit Availability Act H.R. 4279, Expanding Investment Opportunities Act H.R. 4281/S. 2953, Expanding Access to Capital for Rural Job Creators Act H.R. 4289, To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal certain disclosure requirements related to coal and mine safety H.R. 4292, Financial Institution Living Will Improvement Act of 2017 H.R. 4293, Stress Test Improvement Act of 2017 H.R. 4294, Prevention of Private Information Dissemination Act of 2017 H.R. 4296, To place requirements on operational risk capital requirements for banking organizations established by an appropriate Federal banking agency H.R. 4311, Foreign Investment Risk Review Modernization Act of 2017 H.R. 4519, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to resource extraction, and for other purposes H.R. 4529, Accelerating Access to Capital Act of 2017 H.R. 4537, International Insurance Standards Act of 2017 H.R. 4545, Financial Institutions Examination Fairness and Reform Act H.R. 4550, Practice of Law Technical Clarification Act of 2017 H.R. 4566, Alleviating Stress Test Burdens to Help Investors Act H.R. 4607, Comprehensive Regulatory Review Act H.R. 4659, To require the appropriate Federal banking agencies to recognize the exposure-reducing nature of client margin for cleared derivatives H.R. 4753, Federal Reserve Supervision Testimony Clarification Act H.R. 4771, Small Bank Holding Company Relief Act of 2018 H.R. 4790, Volcker Rule Regulatory Harmonization Act H.R. 4861, Ensuring Quality Unbiased Access to Loans (EQUAL) Act of 2018 H.R. 5036, Financial Technology Protection Act H.R. 5051, Public Company Registration Threshold Act H.R. 5054, Small Company Disclosure Simplification Act of 2018 H.R. 5059, State Insurance Regulation Preservation Act H.R. 5105/S. 2436, Better Utilization of Investments Leading to Development (BUILD) Act of 2018 H.R. 5266, Financial Product Safety Commission Act of 2018 H.R. 5323, Derivatives Fairness Act H.R. 5534, Give Useful Information to Define Effective (GUIDE) Compliance Act H.R. 5645, Standard Merger and Acquisition Reviews Through Equal Rules Act of 2018 H.R. 5749, Options Markets Stability Act H.R. 5756, To require the Securities and Exchange Commission to adjust certain resubmission thresholds for shareholder proposals H.R. 5783, Cooperate with Law Enforcement Agencies and Watch Act of 2018 H.R. 5877, Main Street Growth Act H.R. 5970, Modernizing Disclosures for Investors Act H.R. 5999, Streamlining Communications for Investors Act H.R. 6021, Small Business Audit Correction Act of 2018 H.R. 6035, Streamlining Communications for Investors Act H.R. 6068, Counter Terrorism and Illicit Finance Act H.R. 6130, Helping Startups Continue to Grow Act H.R. 6139, Improving Investment Research for Small and Emerging Issuers Act H.R. 6158, Brokered Deposit Affiliate-Subsidiary Modernization Act of 2018 H.R. 6177, Developing and Empowering our Aspiring Leaders Act of 2018 H.R. 6319, Expanding Investment in Small Businesses Act H.R. 6320, Promoting Transparent Standards for Corporate Insiders Act H.R. 6321, Investment Adviser Regulatory Flexibility Improvement Act H.R. 6322, Enhancing Multi-Class Stock Disclosures Act H.R. 6324, Middle Market IPO Underwriting Cost Act S. 366, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 S. 462, Securities and Exchange Commission Overpayment Credit Act S. 488, Encouraging Employee Ownership Act S. 488, JOBS and Investor Confidence Act of 2018 (House Amendment) S. 536, Cybersecurity Disclosure Act of 2017 S. 1117, Consumer Financial Choice and Capital Markets Protection Act of 2017 S. 1241, Combating Money Laundering, Terrorist Financing, and Counterfeiting Act of 2017 S. 1454, True Incorporation Transparency for Law Enforcement (TITLE) Act S. 1717, Corporate Transparency Act of 2017 S. 1744, Brokaw Act S. 2098, Foreign Investment Risk Review Modernization Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2499, A bill to require the Financial Industry Regulatory Authority to establish a relief fund to provide investors with the full value of unpaid arbitration awards issued against brokerage firms or brokers regulated by the Authority S. 2756, Fair Investment Opportunities for Professional Experts Act S. 2765, RBIC Advisers Relief Act of 2018 S. 3004, Small Business Audit Correction Act of 2018 S. 3421, Blue Sky Harmonization Act S. 3577, Financial Stability Oversight Council Improvement Act of 2018 S. 3614, Corporate Governance Fairness Act S. J. Res. 57, A joint resolution 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 "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" Draft legislation titled Credit Services Protection Act of 2017 Draft legislation titled Counter Terrorism and Illicit Finance Act Draft legislation titled Data Acquisition and Technology Accountability and Security Act Draft legislation directing the Securities and Exchange Commission to increase and align the smaller reporting company and nonaccelerated filer financial thresholds Draft legislation to remove the limitation on large accelerated filers qualifying as an emerging growth company Draft legislation to require the Securities and Exchange Commission to revise the definition of a qualifying portfolio company to include an emerging growth company, for purposes of the exemption from registration for venture capital fund advisers under the Investment Advisers Act of 1940 Draft legislation to amend the Investment Company Act of 1940 to increase the percentage of voting shares a diversified company may hold in a single issuer Draft legislation on cryptocurrencies Potential legislation similar to H.R. 1090, Retail Investor Protection Act (114th Cong.) Potential legislation similar to H.R. 4294, Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act of 2015 Proposed regulations on universal proxy (81 Fed. Reg. 79,122-79,186, November 10, 2016) Proposed rule on auditor independence with respect to certain loans or debtor-creditor relationships (83 Fed. Reg. 20,753-20,773, May 8, 2018) Proposed regulation on Regulation Best Interest (83 Fed. Reg. 21,574-21,682, May 9, 2018) Proposed Commission interpretation regarding standard of conduct for investment advisers; request for comment on enhancing investment (83 Fed. Reg. 21,203-21,214, May 9, 2018) Proposed rule on form CRS relationship summary; amendments to form ADV; required disclosures in retail communications and restrictions on the use of certain names or titles (83 Fed. Reg. 21,416-21,575, May 9, 2018) Policy to Encourage Trial Disclosure Programs (83 Fed. Reg. 45,574-45,578, September, 10, 2018) Federal Reserve, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation, Security Exchange Commission, Commodity Futures Trading Commission: Proposed Revisions to Prohibitions and Restrictions on Proprietary Trading and Certain Interests in, and Relationships with, Hedge Funds and Private Equity Funds - Docket No. OCC-2018-0010 (OCC); Docket No. R-1608 (Federal Reserve); RIN 3064-AE67 (FDIC); File Number S7- 14-18 (SEC); RIN 3038-AE72 (CFTC) Proposed changes to applicability thresholds for regulatory capital and liquidity requirements. Docket IDs: OCC-2018--0037 RIN 1557-AE56; Docket No. R-1628 RIN 7100-AF21 Nomination of Kathleen Kraninger to serve as Director of the Bureau of Consumer Financial Protection Nomination of Elad Roisman to serve as a Commissioner of the Securities and Exchange Commission Nomination of Dr. Dino Falaschetti to serve as Director of the Office of Financial Research Nomination of Jelena McWilliams to be Chair of the Federal Deposit Insurance Corporation Nomination of Kimberly Reed to serve as President of the Export-Import Bank of the United States (Ex-Im) Various issues relating to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); implementation of the Jumpstart Our Business Startups Act (P.L. 112-106); implementation of the Economic Growth, Regulatory Relief, and Consumer Protection Act (P.L. 115-174); Executive Order 13772, Core Principles for Regulating the United States Financial System; Presidential Memorandum for the Secretary of the Treasury regarding Orderly Liquidation Authority; Basel III capital standards, bank capital, and liquidity reform; Consumer Financial Protection Bureau (CFPB) transparency and accountability; CFPB regulatory sandbox for disclosures; CFPB reform; anti-money laundering and Bank Secrecy Act (P.L. 91-508) improvements; political spending disclosures; systemic risk regulation and Financial Stability Oversight Council (FSOC) designation of non-bank financial companies; Financial Stability Oversight Council (FSOC) reform; Department of Treasury review of FSOC determination and designation process; Federal Reserve: Enhanced Disclosure of the Models Used in the Federal Reserves Supervisory Stress Test, Docket No. OP-1586; Stress Testing Policy Statement, Docket No. OP-1587; Policy Statement on the Scenario Design Framework for Stress Testing, Docket No. OP-1588; Office of Financial Research transparency and accountability; reform of international standard setting bodies including Financial Stability Board, International Association of Insurance Supervisors and Basel Committee on Banking Supervision; Federal Reserve reform; Federal Reserve proposed guidance on supervisory expectation for boards of directors 2017-16735; proxy voting systems; Security Exchange Commission strategic plan; Security Exchange Commission Rule 701 Form S-8 reforms; Security Exchange Commission conflict mineral rule; Security Exchange Commission pay ratio rule; Security Exchange Commission Advisory Committee on Small and Emerging Companies; Security Exchange Commission request for information regarding standards of conduct for investment advisors and broker-dealers; Security Exchange Commission staff legal bulletin 141 (CF) shareholder proposals; Security Exchange Commission FAST Act (P.L. 114-94) modernization and simplification of regulations S-K file no. S7-08-17; Security Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; Security Exchange Commission auditor independence with respect to certain loans or debtor-creditor relationships file no. S7-10-18; Security Exchange Commission Staff Legal Bulletin 20 Proxy Voting: Proxy Voting Responsibilities of Investment Advisers and Availability of Exemptions from the Proxy Rules for Proxy Advisory Firms; Security Exchange Commission proposal on the use of derivatives by registered investment companies and business development companies; Security Exchange Commission capital, margin, and segregation requirements for security-based swap dealers and major security-based swap participants and capital requirements for broker-dealers (File No. S7-08-12); Consumer Financial Protection Bureau trial disclosures and no action letter process; Public Company Accounting Oversight Board (PCAOB) draft strategic plan for 2018-2022; Federal Trade Commission competition and consumer protection in the 21st century hearings regarding common ownership; disclosure requirements and materiality; JOBS Act 3.0; Accounting standards developed by the Financial Accounting Standards Board, including the current expected credit loss (CECL) standard; potential legislation to create legal framework for venture exchange; potential legislation on anti-money laundering and Bank Secrecy Act reporting improvements; credit bureau issues; financial technology issues; beneficial ownership; reforms to the Committee on Foreign Investment in the United States; modernization of the Community Reinvestment Act (P.L. 95-128); application of Customer Identification Program requirements under anti-money laundering rules to bank-affiliated premium finance companies; application of the May 2016 Customer Due Diligence Rule to routine cash refunds issued by bank-affiliated premium finance companies; proposals to audit the Board of Governors of the Federal Reserve System; small business lending; impact of prudential regulations on lending to small businesses by depository institutions; CFTC Proposed rulemaking on the De Minimis Exception to the Swap Dealer Definition; HUD proposed rulemaking regarding implementation of the Fair Housing Acts Disparate Impact Standard; Federal Trade Commission concerning Common Ownership; SEC proposed amendments to the Commissions Whistleblower Program rules; blockchain and fintech; adoption of the current expected credit loss accounting standard; proxy process, proxy advisory firms, and other related aspects of corporate governance

Client expense: $15,950,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Energy Regulatory Commission (FERC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Office of the Vice President of the United States, Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), White House Office

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 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 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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HJRes 111 - CFPB Arbitration Rule HJRes 62 - CFPB Prepaid Rule HJRes 73 - CFPB Prepaid Rule HR 10 - The Financial CHOICE Act of 2017 HR 1116 - Tipton - TAILOR Act HR 1153 - Mortgage Choice Act of 2017 HR 1457 - MOBILE Act of 2017 HR 2133 - CLEARR Act of 2017 HR 2148 - Pittenger - HVCRE clarifications HR 238 - Commodity End-User Relief Act HR 3280 - House FSGG Appropriations 2018 HR 3299 - McHenry - Valid When Made Bill HR 3312 - Luetkemeyer - SIFI Threshold Bill HR 3857 - Wagner - PASS Act (DOL Fiduciary repeal and replace bill) HR 3860 - IRS Tax Transcript Access HR1813 - Border Wall Funding Act of 2017 S. 1002 - CLEAR Act S. 105 - Consumer Financial Protection Board Act of 2017 S. 223 - Senior$afe Act of 2017 S. 366 - TAILOR Act of 2017 SJRes 19 - CFPB Prepaid Rule SJRes 47 - CFPB Arbitration Rule S. 1893 - Bank SIFI Threshold S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.J.Res.122 - Resolution of Disapproval CFPB Payday Lending Rule HR 1 - Tax Cuts and Jobs Act H.R. 2148 - Clarifying Commercial Real Estate Loans S. 2405 - Clarifying Commercial Real Estate Loans S. 2498, the Protecting Children From Identity Theft Act H.R. 5192, the Protecting Children From Identity Theft Act H.R. 5266 - CFPB Commission HR 3354 / HR 238 - Interaffilite Swap Provisions S. 1642 - Valid When Made S. 1958 - Tax Transcripts S. 2854 - The MOBILE Act HR 6068 - BSA/AML Reform HR 4790 - Volcker Harmonization S. 2098 - FIRRMA HR 6258 / S. 3107 - FSGG Appropriations 2019 (swaps & Volcker issues) H.R.5961 Agriculture Appropriations Act, 2019 HR 6158 - Brokered Deposits

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

H.R.493, Subsidy Reserve Act of 2017, 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. 1116/S.366, the TAILOR Act H.R. 1264, Community Financial Institution Exemption Act H.R. 1624, Municipal Finance Support Act H.R. 1948, Small Bank Holding Company Relief Act H.R. 2121, Pension, Endowment, and Mutual Fund Access to Banking Act H.R. 2133, CLEARR Act of 017 H.R. 2396, the Privacy Notification Technical Clarification Act H.R. 2226, Portfolio Lending and Mortgage Access Act H.R. 2403, Keeping Capital Local for Underserved Communities Act of 2017 H.R. 2706, Financial Institution Customer Protection Act of 2017 H.R. 2793, Consumer Transaction Account Protection Act of 2017 H.R. 2954, Home Mortgage Disclosure Adjustment Act H.R. 3072, Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017 H.R. 3093, Investor Clarity and Bank Parity Act H.R. 3179, Transparency and Accountability for Business Standards Act H.R. 3221, the Securing Access to Affordable Mortgages Act H.R. 3312, The Systemic Risk Designation Improvement Act H.R. 3741, to codify the Minority Bank Deposit Program, and for other purposes. H.R. 3971, the Community Institution Mortgage Relief Act H.R. 3978, TRID Improvement Act of 2017 H.R. 4292, Financial Institution Living Will Improvement Act of 2017 H.R. 4293, Stress Test Improvement Act of 2017 H.R. 4296, to place requirements on operational risk capital requirements for banking organizations established by an appropriate Federal banking agency. H.R. 4439, the Modernizing Borrower Credit Opportunities Act H.R. 4545 / S. 2237, Financial Institutions Examination Fairness and Reform Act H.R. 4607, Comprehensive Regulatory Review Act H.R. 4648, Home Mortgage Relief Act of 2017 H.R. 4725, Community Bank Reporting Relief Act H.R. 4771, Small Bank Holding Company Relief Act H.R. 4790, Volcker Rule Regulatory Harmonization Act H.R. 4861, the Ensuring Quality Unbiased Access to Loans (EQUAL) Act H.R. 5076, Small Bank Exam Cycle Improvement Act of 2018 H.R. 5783, Cooperate with Law Enforcement Agencies and Watch Act of 2018 H.R. 6158, The Brokered Deposit-Affiliate Subsidiary Modernization Act of 2018 S. 828, to amend the Federal Deposit Insurance Act to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets. S. 1002, CLEAR Relief Act S. 1139, Main Street Regulatory Fairness Act S. 1284, Community Bank Relief Act S. 1310, Home Mortgage Disclosure Adjustment Act S. 1500, a bill to amend the Federal Deposit Insurance Act to ensure that the reciprocal deposits of an insured depository institution are not considered to be funds obtained by or through a deposit broker. S. 1642 / H.R. 3299, Protecting Consumers' Access to Credit Act of 2017 S. 1893, to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision. S. 1962, Community Bank Access to Capital Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act Russell Amendment to H.R. 5515, the National Defense Authorization Act for Fiscal Year 2019 Section 701 of H.R. 5841, the Foreign Investment Risk Review Modernization Act of 2018 Capital Rules Liquidity Rules LIBOR Stress Testing Accountability for Basel/FSB negotiations Volcker Rule Reform DoL Fiduciary Rule The Financial CHOICE Act Durbin Interchange Amendment De novo banks

Client expense: $2,130,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), 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), SENATE, Treasury, Dept of

Issues related to banking regulatory reform: HR 3312 - Systemic Risk Designation Improvement Act of 2017 HR 10 - Financial CHOICE Act of 2017 HR 1116 - Tailor Act of 2017 HR 5192 & S 2498 - Protecting Children from Identity Theft Act HR 6068 - Counter Terrorism & Illicit Finance Act HR 1635 - Empowering Students Through Enhanced Financial Counseling Act of 2018 HR 6972 - To Require the CFPB to meet its Statutory Purpose, and Other Purposes 2018 S 366 - Tailor Act of 2017 S 1893 - Systemic Risk Designation Improvement Act of 2017 S 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act S 2755 - Postal Banking Act S 3744 - Schatz Data Care Act Issues relating to Current Expected Credit Loss (CECL) - no bill number

Client expense: $490,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE

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; OCC CRA Reform; CECL Federal Legislative Activity TAILOR Act (HR 1116); Financial Choice Act(HR 10) and amendments; Durbin Amendment; Portfolio Lending and Mortgage Access Act; Federal Savings Association Charter Flexibility Act (HR 1426); credit union issues; Tax Reform and Jobs Act; Senate regulatory relief bill (S.2155)

Client expense: $55,000 · 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)

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 H.R. 695 Department of Defense Appropriations Act, 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 S. 3726 Protect Affordable Mortgages for Veterans Act of 2018 S. 3536 Protect Affordable Mortgages for Veterans Act of 2018

Client expense: $626,213 · Firm income: Not reported

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

S.708 Regulatory Improvement Act (Establishes the legislative branch the Regulatory Improvement Commission.) S.774 Financial Institutions Examination Fairness and Reform Act (Amends the Federal Financial Institutions Examination Council Act of 1978 to require a federal financial institutions regulatory agency to make a final examination report to a financial institution within 60 days of the later of: (1) the exit interview for an examination of the institution, or (2) the provision of additional information by the institution relating to the examination.) S.1484 Financial Regulatory Improvement Act of 2015 (amends the Gramm-Leach-Bliley Act to exempt from the requirement to provide consumers with an annual written disclosure of their privacy policy certain financial institutions that provide nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution.) S.1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 (amends the Truth in Lending Act, Gramm0Leach Bliley Act, FDI Act, FHLB Act, and the Securities Exchange Act) S.1607 the Independent Agency Regulatory Analysis Act of 2015 (A bill to affirm the authority of the President to require independent regulatory agencies to comply with regulatory analysis requirements applicable to executive agencies, and for other purposes.) S. 1647 Developing a Reliable and Innovative Vision for the Economy Act (amend title 23, United States Code, to authorize funds for Federal-aid highways and highway safety construction programs, and for other purposes.) S.1773 Consumer Reporting Fairness Act of 2015 (amend title 11, United States Code, to require creditors to inform consumer reporting agencies that certain debts have been discharged in bankruptcy cases.) S.1818 Principled Rulemaking Act (revises the federal agency rulemaking process to require a agencies to promulgate only rules (defined to exclude agency actions involving a military or foreign affairs function of the United States or a matter relating to agency management or personnel or to public property, loans, grants, benefits, or contracts) that are required by law, necessary to interpret a law, or made necessary by public need, to protect or improve the health and safety of the public, the environment, or the wellbeing of the people of the United States.) S.1820 Early Participation in Regulations Act (bill directs an agency, not later than 90 days before publishing a notice of proposed rule making for a major rule in the Federal Register, to publish advance notice of proposed rule making for such rule,) S.1817 Smarter Regulations Through Advance Planning and Review Act (requires a federal agency, when publishing a proposed major rule and when publishing a final major rule, to include a framework for assessing the rule) S.1958 Christopher Bryski Student Loan Protection Act (establish additional protections and disclosures for students and co-signers with respect to student loans, and for other purposes.) S.2038 Jumpstart GSE reform Act (prohibits the use of an increase in the guarantee fee required to be charged by the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), or any affiliate of such organizations (enterprises) to offset an increase in outlays or a reduction in revenues for any purposes other than those related to the enterprises' business functions) S.2663 Reforming CFPB Indirect Auto Financing Guidance Act (declares without force or effect Consumer Financial Protection Bureau (CFPB) Bulletin 2013-02 (Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act), published March 21, 2013.) S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S.552: Justice for Victims of Fraud Act (This bill amends the Truth in Lending Act and the Electronic Fund Transfer Act to prohibit predispute arbitration agreements with consumers (i.e., agreements to arbitrate any future disputes between parties instead of pursuing the claims in court) from being valid or enforceable in disputes related to credit card accounts or personal bank accounts that are not subject to a final judgment by a court if the credit card or bank account was not issued in response to a request or application for that account.) S. 537: Arbitration Fairness Act (prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S.550: Restoring Statutory Rights and Interests of the States Act (amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S.553: Court Legal Access and Student Support (CLASS) Act (makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S.647: Mandatory Arbitration Transparency Act (prohibits predispute arbitration agreements from containing a confidentiality clause regarding an employment, consumer, or civil rights dispute that could be interpreted to prohibit a party from: (1) making a communication in a manner such that the prohibition would violate a whistle-blower statute; or (2) reporting or making a communication about tortious conduct, unlawful conduct, or issues of public policy or public concern. ) S.646: Justice for Servicemembers Act (authorizes the Department of Justice (DOJ) to initiate an action for relief in a service member's employment or reemployment rights action with respect to: (1) a private or state employer, or (2) a state or private employer that is engaged in a pattern or practice to infringe upon such rights.) S.951 - Regulatory Accountability Act of 2017 (codifies and revises notice-and-comment rulemaking procedures to require federal agencies to consider: (1) whether a rulemaking is required by statute or is within the discretion of the agency, (2) whether existing federal laws or rules could be amended or rescinded to address the problem, and (3) reasonable alternatives for a new rule.) S.1642, Protecting Consumers Access to Credit Act of 2017 (amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.0 S.J.Res.47 - A joint resolution 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" S. 1659, the Protecting Consumers from Unreasonable Credit Rates Act (amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act (bill aimed at rolling back financial regulations concerning banks and other financial institutions) S.J. Res. 57 A joint resolution 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 "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" H.R. 4, makes revisions to Federal law to improve the conditions necessary for economic growth and job creation, and other purposes. H.R. 37, makes technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, to enhance the ability of small and emerging growth companies to access capital through public and private markets, to reduce regulatory burdens, and other purposes. H.R. 50, provides for additional safeguards with respect to imposing Federal mandates, & other purposes. H.R. 113, improves the accountability and transparency of the Board of Governors of the Federal Reserve System, and for other purposes. H.R. 185, reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents. H.R. 347, amends the Credit Repair Organizations Act to exempt certain consumer reporting agencies, and for other purposes. H.R. 367, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 427, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 527, amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 650, amends the Truth in Lending Act to modify definitions of a mortgage originator & high-cost mortgage. H.R. 685, amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 766, provides requirements for the appropriate Federal banking agencies when requesting or ordering a depository institution to terminate a specific customer account, to provide for additional requirements related to subpoenas issued under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, and for other purposes. H.R. 899, provides for additional safeguards with respect to imposing Federal mandates, and for other purposes. H.R. 957, requires Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and other purposes. H.R. 1090, amends the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. H.R. 1195, amends the Consumer Financial Protection Act of 2010 to establish advisory boards, other purposes H.R. 1210, amends the Truth in Lending Act to provide a safe harbor from certain requirements related to qualified mortgages for residential mortgage loans held on an originating depository institution's portfolio, and for other purposes. H.R. 1259, provides for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes. H.R. 1261, amends the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. H.R. 1264, provides an exemption from rules and regulations of the Bureau of Consumer Financial protection for community financial institutions, and for other purposes. H.R. 1265, applies the requirements of the Federal Advisory Committee Act to the Bureau of Consumer Financial Protection. H.R. 1266, amends the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes. H.R. 1413, terminates Operation Choke Point. H.R. 1493, imposes certain limitations on consent decrees and settlement agreements by agencies that require the agencies to take regulatory action in accordance with the terms thereof, and for other purposes. H.R. 1529, amends the Truth in Lending Act and the Real Estate Settlement Procedures Act of 1974 to modify the requirements for community financial institutions with respect to certain rules relating to mortgage loans, and for other purposes. H.R. 1553 amends the Federal Deposit Insurance Act to specify which smaller institutions may qualify for an 18-month examination cycle. H.R. 1660, amends the Home Owners' Loan Act to allow Federal savings associations to elect to operate as national banks, and for other purposes. H.R. 1737, nullifies certain guidance of the Bureau of Consumer Financial Protection and to provide requirements for guidance issued by the Bureau with respect to indirect auto lending. H.R. 1799, amends the Real Estate Settlement Procedures Act of 1974 to prohibit certain financial benefits for referrals of business and to improve the judicial relief for certain violations, & other purposes. H.R. 1941, improves the examination of depository institutions, and for other purposes. H.R. 2213, provides 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. 2029, makes appropriations for military construction, the Department of Veterans Affairs, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2243, suspends the current compensation packages for the senior executives of Fannie Mae and Freddie Mac and establish compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 2354, directs the Securities and Exchange Commission to review all its significant regulations to determine whether such regulations are necessary in the public interest or whether such regulations should be amended or rescinded. H.R. 4294, amends the Internal Revenue Code of 1986 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 2542 amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 2683, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2577, makes appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2804, amends title 5, United States Code, to require the Administrator of the Office of Information and Regulatory Affairs to publish information about rules on the Internet, and for other purposes. H.R. 3035, amends the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. H.R. 3189. amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System, and to amend title 31, United States Code, to reform the manner in which the Board of Governors of the Federal Reserve System is audited, & other purposes. H.R. 3192, provides 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. 3438, amends title 5, United States Code, to postpone the effective date of high-impact rules pending judicial review. H.R. 3634, establishes student loan borrowers' rights to basic consumer protections, reasonable and flexible repayment options, access to earned credentials, and effective loan cancellation in exchange for public service, and for other purposes. H.R. 4018, amends the Truth in Lending Act to establish deferred presentment transaction requirements, and other purposes. H.R. 4293, amends the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 4439, amends the Revised Statutes, the Bank Service Company Act, the Federal Deposit Insurance Act, and the Home Owners' Loan Act to clarify that the role of the insured depository institution as lender and the location of an insured depository institution under applicable law are not affected by any contract between the institution and a third-party service provider, and to clarify that Federal preemption of State usury laws applies to any loan to which an insured depository institution is the party to which the debt is initially owed according to its terms, and other purposes. H.R. 4550, amends the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from the definition of a debt collector, to amend the Consumer Financial Protection Act of 2010 to prevent the Bureau of Consumer Financial Protection from exercising supervisory or enforcement authority with respect to attorneys when undertaking certain actions related to legal proceedings, and other purposes. H.R. 4648, delays the effective date of certain regulations relating to home mortgage disclosures, to suspend certain data sharing requirements, and other purposes. H.R. 4725, amends the Federal Deposit Insurance Act to require short form call reports for certain depository institutions. H.R. 4768, amends title 5, United States Code, to clarify the nature of judicial review of agency interpretations of statutory and regulatory provisions. H.R. 4986, amends certain banking statutes in response to Operation Choke Point. H.R. 5143, provides greater transparency and congressional oversight of international insurance standards setting processes, and for other purposes. H.R. 5485, makes appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. H.R. 5982, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. Fiscal Year 2016 spending bills for the Department of Justice (CJS) Makes appropriations for the Departments of Commerce and Justice, Science, and Related Agencies for the fiscal year ending September 30, 2016, and for other purposes. Fiscal Year 2016 spending bills for the Department of Housing and Urban Development (THUD), Bill will fund critical infrastructure and safety programs, provide responsible levels of funding for low-income housing Fiscal Year 2017 Commerce, Justice, Science Funding Bill, Bill targets funding to law enforcement and national security efforts, economic development, and fundamental research activities H.R. 21 -Midnight Rules Relief Act of 2017, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act), amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 5 -Regulatory Accountability Act of 2017 (RAA), reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents, to clarify the nature of judicial review of agency interpretations, to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.J. Res. 73 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424, amends the Truth in Lending Act and the Electronic Fund Transfer Act to provide justice to victims of fraud. H.R. 1374, amends title 9 of the United States Code with respect to arbitration. H.R. 1396, restores statutory rights to the people of the United States from forced arbitration. H.R. 985, amends the procedures used in Federal court class actions and multidistrict litigation proceedings to assure fairer, more efficient outcomes for claimants and defendants, and for other purposes. H.R. 585, amends the Securities Exchange Act of 1934 to prohibit mandatory pre-dispute arbitration agreements, & other purposes. H.R. 864, (Rep. Love), amends the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors H.R. 924, (Rep. Rothfus), amends the Federal Financial Institutions Examination Council Act of 1978 to establish a three-judge independent examination review panel. H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 (To establish requirements for use of a driver's license or personal identification card by certain financial institutions for opening an account or obtaining a financial product or service, and for other purposes.) H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) (To provide regulatory relief to community financial institutions, and for other purposes.) H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act (amends the Truth in Lending Act to allow a depository institution or credit union with assets below a specified threshold to forgo certain ability-to-pay requirements regarding residential mortgage loans) H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act (amends section 503 of the Gramm-Leach Bliley Act. H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 (Sec. 2) amends the Truth in Lending Act and the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to exempt from property appraisal requirements a mortgage loan of $250,000 or less if it appears on the loan creditor's balance sheet for at least three years.) H.R. 6792 -Consumers First Act -Draft bill H.R. ___ To amend the Economic Growth, Regulatory Relief, and Consumer Protection Act to clarify seasoning requirements for certain refinanced mortgage loans, and for other purposes -H.R. 134 - To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes H.R. __, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 (To nullify certain guidance on deposit advance products and to amend the Federal Deposit Insurance Act to provide the appropriate Federal banking agencies with additional requirements when issuing such guidance, and for other purposes.) H.R. __, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, & other purposes. House Appropriations Financial Services and General Government Financial Services Bill H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 (This bill requires federal financial regulatory agencies to: (1) tailor any regulatory actions so as to limit burdens on the institutions involved, with consideration of the risk profiles and business models of those institutions; and (2) report to Congress on specific actions taken to do so, as well as on other related issues. The bill's tailoring requirement applies not only to future regulatory actions but also to regulations adopted within the last seven years.) H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 (amends the Truth in Lending Act (TILA) to specify that a retailer of manufactured housing is generally not a "mortgage originator" subject to requirements under that Act. Similarly, the bill amends the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 to specify that such a retailer is generally not a "loan originator" subject to requirements under that Act.) H.R. 2954, Home Mortgage Disclosure Adjustment Act (amends the Home Mortgage Disclosure Act of 1975 to exempt a depository institution from certain records and disclosure requirements related to the itemization of loan data: (1) with respect to closed-end mortgage loans, if the depository institution originated fewer than 500 such loans in each of the two preceding years; and (2) with respect to open-end lines of credit, if the depository institution originated fewer than 500 such lines of credit i

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

Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office

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 NCUAs risk-based capital rule Issues related to NCUAs Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUAs rule on securitization Issues related to NCUAs regulatory review process Issues related to NCUAs rule on Member Business Lending Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions 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 credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions 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 fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to premium assessments by the National Credit Union Share Insurance, NCUA Issues related to NCUAs Corporate Credit Union Stabilization Plan Issues related to NCUAs budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers 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 Supervisory 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 rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the CFPBs regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPBs regulation on Truth-in-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPBs consumer complaint database Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending 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 CFPB's proposal on arbitration 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 data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulatory D Issues related to the Feds implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumers access to records Issues related to economic growth Issues related to the National Credit Union Administration's Advance Notice of Proposed Rulemaking for Supplemental Capital Issues related to Interchange Fees Issues related to the funding of the National Credit Union Administration Issues related to the consumer notification of privacy standards Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to the transfer of leadership at the Consumer Financial Protection Bureau Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to the nomination of Kathy Kraninger to the BCFP Issues related to GSE/Housing Finance Reform Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster payments Issues related to the Department of Treasury's Bluespring for a Modernized Financial Issues related to the Fair Credit Reporting Act Issues related to Treasure and IRS actions on the implementation of HR 1, the Tax Cuts and Job Act H.J. Res 111, a resolution providing for congressional disapproval under chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.Con.Res. XX, a concurrent budget resolution for FY 2019-general issues H.R. 10, the Financial CHOICE Act H.R. 26, the Regulations in Need of Scrutiny Act, all provisions H.R. 389, the Credit Union Residential Loan Parity Act, all provisions H.R. 924, the Financial Institutions Due Process Act H.R. 1116, the Taking Account of Institutions with Low Operation Risk Act (TAILOR), all provisions H.R. 1153, the Mortgage Choice Act of 2017, all provisions H.R. 1244, the Capital Access for Small Businesses and Jobs Act, all provisions H.R. 1264, the Community Financial Institution Exemption Act, all provisions H.R. 1457, the MOBILE Act, all provisions H.R. 1585, the Mutual Bank Capital Opportunity Act, all provisions H.R. 1958, the Protections Affordable Coverage for Employees (PACE) Act, all provisions H.R. 2054, Protecting Americans from Credit Entanglements Act of 2017 H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act, all provisions H.R. 2204, the Homeowner Information Privacy Protection Act, all provisions H.R. 2226, the Portfolio Lending and Mortgage Access Act, all provisions H.R. 2359, Fair Credit Reporting Act Liability Harmonization H.R. 2396, the Privacy Notification Technical Correction Act H.R. 2706, the Financial Institution Customer Protection Act, all provisions H.R. 2954, the Home Mortgage Disclosure Adjustment Act H.R. 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold, all provisions H.R. 3089, the Corporate Transparency Act H.R. 3221, the Securing Access to Affordable Mortgages Act, all provisions H.R. 3299, the Protecting Consumers Access to Credit Act of 2017, all provisions H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 H.R. 3758, the Senior Safe Act of 2017 H.R. 3857, the PASS: Protecting Advice for Small Savers Act, all provisions H.R. 3866, to amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan, all provisions H.R. 3911, the Risk-Based Credit Examination Act, all provisions H.R. 3971, the Community Institution Mortgage Relief Act of 2017 H.R. 3978, To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes H.R. 4464, the Common Sense Credit Union Capital Relief Act of 2017, all provisions H.R. 4545, the Financial Institutions Examination Fairness and Reform Act, all provisions H.R. 4607, the Comprehensive Regulatory Review Act, all provisions H.R. 4648, the Home Mortgage Reporting Relief Act of 2017, all provisions H.R. 5078, the TRID Improvement Act of 2018, all provisions H.R. 5266, the Financial Product Safety Commission Act of 2018, all provisions H.R. 5288, the Common Sense Credit Union Capital Relief Act of 2018, all provisions H.R. 5515, The John S. McCain National Defense Authorization Act, provisions related to financial service branches on military bases H.R. 5534, the Give Useful Information to Define Effective Compliance Act, all provisions H.R. 5952, Commerce, Justice, Science and Related Agencies Appropriations, Title II H.R. 6068, the Counter Terrorism and Illicit Finance Act, all provisions H.R. 6147, the Financial Services and General Government Appropriations Act for Fiscal Year 2019, all provisions H.R. 6385, Department of State, Foreign Operations, and Related Programs, Title I H.R. 6743, the Consumer Information Notification Requirement Act, all provisions H.R. 6850, the Financial Reporting Threshold Modernization Act , all provisions S.J. Res. 47, a resolution providing for congressional disapproval under Chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 21, the Regulations in Need of Scrutiny Act, all provisions S. 223, the Senior $afe Act, all provisions S. 366, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act, all provisions S. 836, the Credit Union Residential Loan Parity Act, all provisions S. 838, the Protecting Affordable Coverage for Employees (PACE) Act, all provisions S. 869, Protecting Americans from Credit Entanglements Act of 2017 S. 1002, CLEAR Relief Act of 2017, all provisions S. 1310, Home Mortgage Disclosure Adjustment Act S. 1579, the Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 2155, Economic Growth, Regulatory Relief, and Consumer protection Act, all provisions S. 2237, the Financial Institution Examination Fairness Reform Act, all provisions S. 2463, Better Utilization of Investments Leading to Development (BUILD) Act S.J.Res. 19, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, all provisions Legislation contemplated by House Financial Services Committee Chairman Jeb Hensarling entitled the Financial Creating Hope and Opportunity for Investors, Consumer and Entrepreneurs (CHOICE) Act, provisions impacting credit unions, the National Credit Union Administration and the Consumer Financial Protection Bureau. Title XVII of the House Amendment to S. 488, the JOBS and Investor Confidence Act of 2018

Client expense: $1,020,000 · 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), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)

S.366 / H.R. 1116 - 115th Congress (2017-2018), TAILOR Act of 2017: Would require regulatory agencies to take risk profiles and business models into account when crafting new regulations and requires agencies to examine all regulations issued since passage of Dodd-Frank in 2010 to make sure they comply with TAILOR Act. H.R.1264 - 115th Congress (2017-2018), Community Financial Institution Exemption Act: Would provide that community financial institutions with under $50 billion in assets are exempt from CFPB regulations unless the CFPB can demonstrate harm to consumers. H.R.1244 - 115th Congress (2017-2018), Capital Access for Small Business and Jobs Act: Would provide credit unions relief from the NCUAs risk-based capital rule and allow credit unions to raise capital from sources other than retained earnings. S.105 - 115th Congress (2017-2018), Consumer Financial Protection Board Act of 2017: Would establish a five-member, bipartisan board of directors for the CFPB. S.387 - 115th Congress (2017-2018), Consumer Financial Protection Bureau Accountability Act of 2017: Subjects the CFPB to annual appropriations process rather than receiving funding via Federal Reserve System transfers. Raising or eliminating Member Business Lending cap. Credit Union tax exemption.

Client expense: Not reported · Firm income: Not reported

H.R. 10, Financial CHOICE Act of 2017 H.R. 21/S. 34, Midnight Rules Relief Act of 2017 H.R. 78, SEC Regulatory Accountability Act H.R. 79/S. 588, Helping Angels Lead Our Startups (HALOS) Act H.R. 238, Commodity End-User Relief Act H.R. 477, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2017 H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 H.R. 1153, Mortgage Choice Act of 2017 H.R. 1219/S. 444, Supporting America's Innovators Act of 2017 H.R. 1257, Securities and Exchange Commission Overpayment Credit Act H.R. 1312/S. 416, Small Business Capital Formation Enhancement Act H.R. 1343, Encouraging Employee Ownership Act of 2017 H.R. 1457, Making Online Banking Initiation Legal and Easy (MOBILE) Act of 2017 H.R. 1585, Fair Investment Opportunities for Professional Experts Act H.R. 1611, Gender Diversity in Corporate Leadership Act of 2017 H.R. 1645/S. 2126, Fostering Innovation Act of 2017 H.R. 1702, Small Business Development Centers Improvement Act of 2018 H.R. 2128, Due Process Restoration Act of 2017 H.R. 2201, Micro Offering Safe Harbor Act H.R. 2226/S. 2013, Portfolio Lending and Mortgage Access Act H.R. 2396, Privacy Notification Technical Clarification Act H.R. 2553, Taking Account of Bureaucrats Spending (TABS) Act of 2017 H.R. 2706, Financial Institution Customer Protection Act of 2017 H.R. 3089, Corporate Transparency Act of 2017 H.R. 3093, Investor Clarity and Bank Parity Act H.R. 3110, Financial Stability Oversight Council Insurance Member Continuity Act H.R. 3179, Transparency and Accountability for Business Standards Act H.R. 3299, Protecting Consumers' Access to Credit Act of 2017 H.R. 3312/S. 1893, Systemic Risk Designation Improvement Act of 2017 H.R. 3746/S. 2702, Business of Insurance Regulatory Reform Act of 2017 H.R. 3762, International Insurance Standards Act of 2017 H.R. 3857, Protecting Advice for Small Savers (PASS) Act of 2017 H.R. 3860, IRS Data Verification Modernization Act of 2017 H.R. 3903/S. 2347, Encouraging Public Offerings Act of 2017 H.R. 3911, Risk-Based Credit Examination Act H.R. 3948, Protection of Source Code Act H.R. 3972, Family Office Technical Correction Act of 2017 H.R. 3973, Market Data Protection Act of 2017 H.R. 3978, TRID Improvement Act of 2017 H.R. 4015, Corporate Governance Reform and Transparency Act of 2017 H.R. 4061, Financial Stability Oversight Council Improvement Act of 2017 H.R. 4248, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to conflict minerals, and for other purposes H.R. 4263, Regulation A+ Improvement Act of 2017 H.R. 4267, Small Business Credit Availability Act H.R. 4279, Expanding Investment Opportunities Act H.R. 4281/S. 2953, Expanding Access to Capital for Rural Job Creators Act H.R. 4289, To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal certain disclosure requirements related to coal and mine safety H.R. 4292, Financial Institution Living Will Improvement Act of 2017 H.R. 4293, Stress Test Improvement Act of 2017 H.R. 4294, Prevention of Private Information Dissemination Act of 2017 H.R. 4296, To place requirements on operational risk capital requirements for banking organizations established by an appropriate Federal banking agency H.R. 4311, Foreign Investment Risk Review Modernization Act of 2017 H.R. 4519, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to resource extraction, and for other purposes H.R. 4529, Accelerating Access to Capital Act of 2017 H.R. 4537, International Insurance Standards Act of 2017 H.R. 4545, Financial Institutions Examination Fairness and Reform Act H.R. 4550, Practice of Law Technical Clarification Act of 2017 H.R. 4566, Alleviating Stress Test Burdens to Help Investors Act H.R. 4607, Comprehensive Regulatory Review Act H.R. 4659, To require the appropriate Federal banking agencies to recognize the exposure-reducing nature of client margin for cleared derivatives H.R. 4753, Federal Reserve Supervision Testimony Clarification Act H.R. 4771, Small Bank Holding Company Relief Act of 2018 H.R. 4790, Volcker Rule Regulatory Harmonization Act H.R. 4861, Ensuring Quality Unbiased Access to Loans (EQUAL) Act of 2018 H.R. 5036, Financial Technology Protection Act H.R. 5051, Public Company Registration Threshold Act H.R. 5054, Small Company Disclosure Simplification Act of 2018 H.R. 5059, State Insurance Regulation Preservation Act H.R. 5105/S. 2436, Better Utilization of Investments Leading to Development (BUILD) Act of 2018 H.R. 5192/S. 2498, Protecting Children from Identity Theft Act H.R. 5266, Financial Product Safety Commission Act of 2018 H.R. 5323, Derivatives Fairness Act H.R. 5534, Give Useful Information to Define Effective (GUIDE) Compliance Act H.R. 5645, Standard Merger and Acquisition Reviews Through Equal Rules Act of 2018 H.R. 5749, Options Markets Stability Act H.R. 5756, To require the Securities and Exchange Commission to adjust certain resubmission thresholds for shareholder proposals H.R. 5783, Cooperate with Law Enforcement Agencies and Watch Act of 2018 H.R. 5877, Main Street Growth Act H.R. 5970, Simplifying Disclosures for Investors Act H.R. 5999, Streamlining Communications for Investors Act H.R. 6021, Small Business Audit Correction Act of 2018 H.R. 6035, Streamlining Communications for Investors Act H.R. 6068, Counter Terrorism and Illicit Finance Act H.R. 6130, Helping Startups Continue to Grow Act H.R. 6139, Improving Investment Research for Small and Emerging Issuers Act H.R. 6158, Brokered Deposit Affiliate-Subsidiary Modernization Act of 2018 H.R. 6177, Developing and Empowering our Aspiring Leaders Act of 2018 H.R. 6319, Expanding Investment in Small Businesses Act H.R. 6320, Promoting Transparent Standards for Corporate Insiders Act H.R. 6321, Investment Adviser Regulatory Flexibility Improvement Act H.R. 6322, Enhancing Multi-Class Stock Disclosures Act H.R. 6324, Middle Market IPO Underwriting Cost Act S. 366, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 S. 462, Securities and Exchange Commission Overpayment Credit Act S. 488, JOBS and Investor Confidence Act of 2018 S. 536, Cybersecurity Disclosure Act of 2017 S. 1117, Consumer Financial Choice and Capital Markets Protection Act of 2017 S. 1241, Combating Money Laundering, Terrorist Financing, and Counterfeiting Act of 2017 S. 1454, True Incorporation Transparency for Law Enforcement (TITLE) Act S. 1463, Financial Stability Oversight Council Insurance Member Continuity Act S. 1717, Corporate Transparency Act of 2017 S. 1744, Brokaw Act S. 2098, Foreign Investment Risk Review Modernization Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2499, A bill to require the Financial Industry Regulatory Authority to establish a relief fund to provide investors with the full value of unpaid arbitration awards issued against brokerage firms or brokers regulated by the Authority S. 2756, Fair Investment Opportunities for Professional Experts Act S. 2765, RBIC Advisers Relief Act of 2018 S. 3004, Small Business Audit Correction Act of 2018 S. 3421, Blue Sky Harmonization Act S. J. Res. 57, A joint resolution 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 "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" Draft legislation titled Credit Services Protection Act of 2017 Draft legislation titled Counter Terrorism and Illicit Finance Act Draft legislation titled Data Acquisition and Technology Accountability and Security Act Draft legislation directing the Securities and Exchange Commission to increase and align the smaller reporting company and nonaccelerated filer financial thresholds Draft legislation to remove the limitation on large accelerated filers qualifying as an emerging growth company Draft legislation to require the Securities and Exchange Commission to revise the definition of a qualifying portfolio company to include an emerging growth company, for purposes of the exemption from registration for venture capital fund advisers under the Investment Advisers Act of 1940 Draft legislation to amend the Investment Company Act of 1940 to increase the percentage of voting shares a diversified company may hold in a single issuer Potential legislation similar to H.R. 1090, Retail Investor Protection Act (114th Cong.) Potential legislation similar to H.R. 4294, Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act of 2015 Proposed regulations on universal proxy (81 Fed. Reg. 79,122-79,186, November 10, 2016) Proposed rule on auditor independence with respect to certain loans or debtor-creditor relationships (83 Fed. Reg. 20,753-20,773, May 8, 2018) Proposed regulation on Regulation Best Interest (83 Fed. Reg. 21,574-21,682, May 9, 2018) Proposed Commission interpretation regarding standard of conduct for investment advisers; request for comment on enhancing investment (83 Fed. Reg. 21,203-21,214, May 9, 2018) Proposed rule on form CRS relationship summary; amendments to form ADV; required disclosures in retail communications and restrictions on the use of certain names or titles (83 Fed. Reg. 21,416-21,575, May 9, 2018) Federal Reserve and the Office of the Comptroller of the Currency; Joint Notice of Proposed Rulemaking: Regulatory Capital Rules: Regulatory Capital, Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Certain of Their Subsidiary Insured Depository Institutions; Total Loss-Absorbing Capacity Requirements for U.S. Global Systemically Important Bank Holding Companies; Federal Reserve System Docket No. R-1604 and OCC Docket ID OCC-2018-0002 Nomination of Kathleen Kraninger to serve as Director of the Bureau of Consumer Financial Protection Nomination of Elad Roisman to serve as a Commissioner of the Securities and Exchange Commission Nomination of Dr. Dino Falaschetti to serve as Director of the Office of Financial Research Nomination of Jelena McWilliams to be Chair of the Federal Deposit Insurance Corporation Nomination of Kimberly Reed to serve as President of the Export-Import Bank of the United States (Ex-Im) Various issues relating to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); implementation of the Jumpstart Our Business Startups Act (P.L. 112-106); implementation of the Economic Growth, Regulatory Relief, and Consumer Protection Act (P.L. 115-174, section 215); Executive Order 13772, Core Principles for Regulating the United States Financial System; Presidential Memorandum for the Secretary of the Treasury regarding Orderly Liquidation Authority; Basel III capital standards, bank capital, and liquidity reform; Consumer Financial Protection Bureau (CFPB) transparency and accountability; CFPB regulatory sandbox for disclosures; CFPB consumer complaint database; CFPB reform; anti-money laundering and Bank Secrecy Act (P.L. 91-508) improvements; political spending disclosures; systemic risk regulation and Financial Stability Oversight Council (FSOC) designation of non-bank financial companies; Financial Stability Oversight Council (FSOC) reform; Department of Treasury review of FSOC determination and designation process; Federal Reserve: Enhanced Disclosure of the Models Used in the Federal Reserves Supervisory Stress Test, Docket No. OP-1586; Stress Testing Policy Statement, Docket No. OP-1587; Policy Statement on the Scenario Design Framework for Stress Testing, Docket No. OP-1588; Office of Financial Research transparency and accountability; reform of international standard setting bodies including Financial Stability Board, International Association of Insurance Supervisors and Basel Committee on Banking Supervision; Federal Reserve reform; Federal Reserve proposed guidance on supervisory expectation for boards of directors 2017-16735; proxy voting systems; Security Exchange Commission strategic plan; Security Exchange Commission Rule 701 Form S-8 reforms; Security Exchange Commission conflict mineral rule; Security Exchange Commission pay ratio rule; Security Exchange Commission Advisory Committee on Small and Emerging Companies; Security Exchange Commission request for information regarding standards of conduct for investment advisors and broker-dealers; Security Exchange Commission staff legal bulletin 141 (CF) shareholder proposals; Security Exchange Commission FAST Act (P.L. 114-94) modernization and simplification of regulations S-K file no. S7-08-17; Security Exchange Commission amendments to the Commissioners whistleblower rules file no. S7-16-18; Security Exchange Commission auditor independence with respect to certain loans or debtor-creditor relationships file no. S7-10-18; Security Exchange Commission Staff Legal Bulletin 20 Proxy Voting: Proxy Voting Responsibilities of Investment Advisers and Availability of Exemptions from the Proxy Rules for Proxy Advisory Firms; Security Exchange Commission proposal on the use of derivatives by registered investment companies and business development companies; Security Exchange Commission standards of conduct for investment advisers and broker-dealers; Public Company Accounting Oversight Board (PCAOB), including draft strategic plan for 2018-2022; Federal Trade Commission competition and consumer protection in the 21st century hearings regarding common ownership; disclosure requirements and materiality; JOBS Act 3.0; potential legislation to create legal framework for venture exchange; credit bureau issues; tailoring bank rules to reduce the burden on small, midsize, and regional banks; beneficial ownership; reforms to the Committee on Foreign Investment in the United States; modernization of the Community Reinvestment Act (P.L. 95-128); application of Customer Identification Program requirements under anti-money laundering rules to bank-affiliated premium finance companies; application of the May 2016 Customer Due Diligence Rule to routine cash refunds issued by bank-affiliated premium finance companies; proposals to audit the Board of Governors of the Federal Reserve System; small business lending; consolidated asset thresholds related to the Advanced Approaches capital framework, the net stable fund ratio rule, and the liquidity coverage ratio rule; impact of prudential regulations on lending to small businesses by depository institutions; testimony by the Vice Chairman for Supervision, Federal Reserve Board, to the House Committee on Financial Services and the Senate Committee on Banking, Housing, and Urban Affairs; CFTC Proposed rulemaking on the De Minimis Exception to the Swap Dealer Definition; HUD proposed rulemaking regarding implementation of the Fair Housing Acts Disparate Impact Standard; Federal Trade Commission concerning Common Ownership; SEC proposed amendments to the Commissions Whistleblower Program rules; blockchain and fintech

Client expense: $17,560,000 · Firm income: Not reported

Government targets: Agency for Toxic Substances & Disease Registry, Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Energy Regulatory Commission (FERC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Office of the Vice President of the United States, Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Fish & Wildlife Service (USFWS), U.S. Trade Representative (USTR), White House Office

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HJRes 111 - CFPB Arbitration Rule HJRes 62 - CFPB Prepaid Rule HJRes 73 - CFPB Prepaid Rule HR 10 - The Financial CHOICE Act of 2017 HR 1116 - Tipton - TAILOR Act HR 1153 - Mortgage Choice Act of 2017 HR 1457 - MOBILE Act of 2017 HR 2133 - CLEARR Act of 2017 HR 2148 - Pittenger - HVCRE clarifications HR 238 - Commodity End-User Relief Act HR 3280 - House FSGG Appropriations 2018 HR 3299 - McHenry - Valid When Made Bill HR 3312 - Luetkemeyer - SIFI Threshold Bill HR 3857 - Wagner - PASS Act (DOL Fiduciary repeal and replace bill) HR 3860 - IRS Tax Transcript Access HR1813 - Border Wall Funding Act of 2017 S. 1002 - CLEAR Act S. 105 - Consumer Financial Protection Board Act of 2017 S. 223 - Senior$afe Act of 2017 S. 366 - TAILOR Act of 2017 SJRes 19 - CFPB Prepaid Rule SJRes 47 - CFPB Arbitration Rule S. 1893 - Bank SIFI Threshold S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.J.Res.122 - Resolution of Disapproval CFPB Payday Lending Rule HR 1 - Tax Cuts and Jobs Act H.R. 2148 - Clarifying Commercial Real Estate Loans S. 2405 - Clarifying Commercial Real Estate Loans S. 2498, the Protecting Children From Identity Theft Act H.R. 5192, the Protecting Children From Identity Theft Act H.R. 5266 - CFPB Commission HR 3354 / HR 238 - Interaffilite Swap Provisions S. 1642 - Valid When Made S. 1958 - Tax Transcripts S. 2854 - The MOBILE Act HR 6068 - BSA/AML Reform HR 4790 - Volcker Harmonization S. 2098 - FIRRMA HR 6258 / S. 3107 - FSGG Appropriations 2019 (swaps & Volcker issues) H.R.5961 Agriculture Appropriations Act, 2019 HR 6158 - Brokered Deposits

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

Preserving the credit union tax exemption; Repeal of the Durbin Amendment on debit interchange; Regulatory relief for credit unions; Credit union exemptions from the CFPB; Reforms to the structure of the CFPB and its powers; data and cyber security - creation of a national data security standard; Housing Finance Reform - ensuring that credit unions have unfettered access to the secondary mortgage market based on loan quality rather than quantity; Member Business Lending - raise the arbitrary cap, raise the de minimis exclusion; exempt loans to veterans from the definition of MBL, and exclude non-owner occupied, 1-4-family dwellings from the calculation of the cap on credit union member business loans (H.R. 389/S. 836); Capital Access for Small Businesses and Jobs Act (H.R. 1244); TRID Improvement Act (H.R. 5078/S. 2490); Bank Secrecy Act; FCC Oversight; Patent Reform - provide relief from practices of patent trolls; NFIP - National flood insurance program; The REINS Act (H.R. 26/S. 21); Regulatory Flexibility Act; Improve or require agency regulatory guidance; Financial CHOICE Act (H.R. 10); Community Financial Institution Exemption Act (H.R. 1264); Financial Services for the Underserved Act (H.R. 4665); Senior$afe Act (H.R. 3758/S. 223); Community Mortgage Lender Regulatory Act of 2017 (H.R. 1964); Securing Access to Affordable Mortgage Act of 2017 (H.R. 3221); Greater pre-emption authority for the NCUA; Mortgage Choice Act (H.R. 1153); Preserving Access to Manufactured Housing Act (H.R.1699/S. 1751); Consumer Financial Protection Board Act 2017 (S. 105); Financial Product Safety Commission Act of 2018 (H.R. 5266); TAILOR Act (H.R. 1116/S.366); CFPB Accountability Act of 2017 or the TABS Act of 2017 (H.R. 2553/S.387); Subject CFPB to Congressional appropriations process; Financial Institutions Examination Fairness and Reform Act (H.R. 4545/S. 2237); Expanding SBA business loan programs; Financial Institution Customer Protection Act (H.R. 2706); Financial services and general government appropriations bill; Home Mortgage Disclosure Adjustment Act (H.R. 2954/S. 1310); Home Mortgage Reporting Relief Act of 2017 (H.R. 4648); QM safe harbor for portfolio loans; Portfolio Lending and Mortgage Access Act (H.R. 2226/S. 2013); the Community Lending Enhancement and Regulatory Relief Act (H.R. 2133/S.1002); Common Sense Credit Union Capital Relief Act of 2017 (H.R. 4464); Risk-Based Capital; Common Sense Credit Union Capital Relief Act of 2018 (H.R. 5288); Credit Score Competition Act (H.R. 898/S. 1685); Community Institution Mortgage Relief Act of 2017 (H.R. 3971); Small Business 7(a) Lending Oversight Reform Act (H.R. 4743/S.2283); Business of Insurance Regulatory Reform Act of 2017 (H.R. 3746); Subject non-depository GLBA institutions to regular examinations; require credit reporting agencies to notify depository institutions when one of their accounts is breached; Protecting Americans from Credit Entanglements Act (H.R. 1958/S.838); Making Online Banking Initiation Legal and Easy Act of 2017 (H.R. 1457); Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155); Securing Access to Affordable Mortgages Act (H.R. 3221); Protecting Consumers' Access to Credit Act of 2017 (H.R. 3299); H.R. 4296 - related to operational risk capital requirements; Lawsuit abuse related to website access requirements under the Americans with Disabilities Act; the ADA Education and Reform Act of 2017 (H.R. 620); CFPB Examination and Reporting Threshold Act (H.R. 3072). NCUA - Voluntary mergers; reforms to credit union capital requirements; supplemental capital for credit unions; FOM improvements; FCU interest rate cap; asset securitization authority for credit unions; Call report modernization; NCUSIF issues including NOL ratio and equity distribution; short-term small dollar lending; de novo charter process, approvals, and flexibility; consistent examination expectations; Issuance of clear UDAAP expectations; Exam appeals process; Codify IRPS; Bylaws ANPR; Capital Planning and Supervisory Stress Testing; Accuracy of Advertising; support for NCUA Regulatory Reform Agenda; Extend examination cycle for low-risk, well-run credit unions greater than $1 billion in assets; CFPB - Use of Section 1022 exemption authority; rulemakings related to debt collection, overdraft, qualified mortgage, ATR, mortgage servicing, consumer complaint database (and consumer inquiry handling process), Home Mortgage Disclosure Act (HMDA) requirements and reporting thresholds, implementation and examination, prepaid accounts; Section 1071 small business data collection; remittances rule and review; Truth in Lending Act/Real Estate Settlement Procedures Act (TILA/RESPA); free access to credit scores for consumers; Amendments to TILA/RESPA Integrated Disclosure Rule (TRID); Dept. of Treasury - Executive Order implementation, streamlining CDFI certifications, CDFI and CDRLF funding; cybersecurity interagency coordination; Regulation of FinTech companies; Do not subject credit unions to the Community Reinvestment Act (CRA); FCC - TCPA reform and requirements, interpretations, and litigation, fighting robocalls; FHFA - chattel loans/duty to serve; GSEs use of alternative credit scores; Credit Risk Transfer transactions; implementation of the Common Securitization Platform (CSP) and Single Security; FHLB Capital Requirements; FHLB role in mortgage market; SBA - Expanding CU participation in SBA lending; Dept. of Defense - Military Lending Act (MLA) Final Rule changes, guidance and implementation; IRS - guidance related to the tax reform bill, including executive compensation excise tax; Dept. of Labor - Revocation of Fiduciary Duty rule and Overtime rule; Dept. of Justice - ADA standards and guidance related to website accessibility; FTC - frivolous demand letters in violation of the Federal Trade Commission Act; FinCEN - Burden related to Suspicious Activities Reports (SARs) required under the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules, raising the required SAR reporting threshold; combating financial crimes; Federal Reserve - Regulation CC; acceptance of electronically signed loans as pledged collateral; role in payments system; Electronic Signatures; NIST - framework for Improving Critical Infrastructure Cybersecurity; Dept. of VA - Allowable Charges and Fees Assessed Incident to VA-Guaranteed Home Loans; FFIEC - evolution of the Cybersecurity Assessment Tool (CAT); FASB - CECL Accounting Standard implementation; Involuntary Liquidation of FCUs and Claims Procedures; Modernizing data collection for supervision of credit unions; FHFA's Affordable Housing Program; IRS oversight of credit unions; FinCEN's Customer Due Diligence Rule; CFPB Civil Investigative Demands and Associated processes; CFPB's Rules of Practice for Adjudication Proceedings; Collection of Checks and other items by Federal Reserve Banks and Funds Transfers Through Fedwire; CFPB's Enforcement Processes; Federal Credit Union Bylaws; CFPB's Supervision Program; Proposed Suspension and Debarment Procedures; FY'19 FSGG Appropriations Bill; CFPB's RFI regarding external engagements; Regulatory Review; CFPB's Rulemaking Processes; the Give Useful Information to Define Effective Compliance Act (H.R. 5534); the Counter Terrorism and Illicit Finance Act (H.R. 6068); Regulatory Changes in Light of S. 2155; CFPB's Adopted Regulations and New Rulemakings Authorities; Volker Rule; Feedback regarding operating vision for the US Faster Payments Council; CFPB's Inherited Regulations and Inherited Rulemaking Authorities; Title VII of H.R. 5841; CFPB financial education programs; financial literacy; Payday Alternative Loans (PALs); privacy risks regarding data sharing and section 1033 of Dodd-Frank; Disparate Impact Standard; Identity Fraud; Variable Interest Rates; Glass-Steagall Act; Credit Bureaus and the Fair Credit Reporting Act; NDAA - bank operations on military bases; USPS banking services; H.R. 5036, the Financial Technology Protection Act; H.R. 6743 - the Consumer Information Notification Requirement Act.

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

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

Preserving the credit union tax exemption; Repeal of the Durbin Amendment on debit interchange; Regulatory relief for credit unions; Credit union exemptions from the CFPB; Reforms to the structure of the CFPB and its powers; data and cyber security - creation of a national data security standard; Housing Finance Reform - ensuring that credit unions have unfettered access to the secondary mortgage market based on loan quality rather than quantity; Member Business Lending - raise the arbitrary cap, raise the de minimis exclusion; exempt loans to veterans from the definition of MBL, and exclude non-owner occupied, 1-4-family dwellings from the calculation of the cap on credit union member business loans (H.R. 389/S. 836); Capital Access for Small Businesses and Jobs Act (H.R. 1244); TRID Improvement Act (H.R. 5078/S. 2490); Bank Secrecy Act; FCC Oversight; Patent Reform - provide relief from practices of patent trolls; NFIP - National flood insurance program; The REINS Act (H.R. 26/S. 21); Regulatory Flexibility Act; Improve or require agency regulatory guidance; Financial CHOICE Act (H.R. 10); Community Financial Institution Exemption Act (H.R. 1264); Financial Services for the Underserved Act (H.R. 4665); Senior$afe Act (H.R. 3758/S. 223); Community Mortgage Lender Regulatory Act of 2017 (H.R. 1964); Securing Access to Affordable Mortgage Act of 2017 (H.R. 3221); Greater pre-emption authority for the NCUA; Mortgage Choice Act (H.R. 1153); Preserving Access to Manufactured Housing Act (H.R.1699/S. 1751); Consumer Financial Protection Board Act 2017 (S. 105); Financial Product Safety Commission Act of 2018 (H.R. 5266); TAILOR Act (H.R. 1116/S.366); CFPB Accountability Act of 2017 or the TABS Act of 2017 (H.R. 2553/S.387); Subject CFPB to Congressional appropriations process; Financial Institutions Examination Fairness and Reform Act (H.R. 4545/S. 2237); Expanding SBA business loan programs; Financial Institution Customer Protection Act (H.R. 2706); Financial services and general government appropriations bill; Home Mortgage Disclosure Adjustment Act (H.R. 2954/S. 1310); Home Mortgage Reporting Relief Act of 2017 (H.R. 4648); QM safe harbor for portfolio loans; Portfolio Lending and Mortgage Access Act (H.R. 2226/S. 2013); the Community Lending Enhancement and Regulatory Relief Act (H.R. 2133/S.1002); Common Sense Credit Union Capital Relief Act of 2017 (H.R. 4464); Risk-Based Capital; Common Sense Credit Union Capital Relief Act of 2018 (H.R. 5288); Credit Score Competition Act (H.R. 898/S. 1685); Community Institution Mortgage Relief Act of 2017 (H.R. 3971); Small Business 7(a) Lending Oversight Reform Act (H.R. 4743/S.2283); Business of Insurance Regulatory Reform Act of 2017 (H.R. 3746); Subject non-depository GLBA institutions to regular examinations; require credit reporting agencies to notify depository institutions when one of their accounts is breached; Protecting Americans from Credit Entanglements Act (H.R. 1958/S.838); Making Online Banking Initiation Legal and Easy Act of 2017 (H.R. 1457); Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155); Securing Access to Affordable Mortgages Act (H.R. 3221); Protecting Consumers' Access to Credit Act of 2017 (H.R. 3299); H.R. 4296 - related to operational risk capital requirements; Lawsuit abuse related to website access requirements under the Americans with Disabilities Act; the ADA Education and Reform Act of 2017 (H.R. 620); CFPB Examination and Reporting Threshold Act (H.R. 3072). NCUA - Voluntary mergers; reforms to credit union capital requirements; supplemental capital for credit unions; FOM improvements; FCU interest rate cap; asset securitization authority for credit unions; Call report modernization; NCUSIF issues including NOL ratio and equity distribution; short-term small dollar lending; de novo charter process, approvals, and flexibility; consistent examination expectations; Issuance of clear UDAAP expectations; Exam appeals process; Codify IRPS; Bylaws ANPR; Capital Planning and Supervisory Stress Testing; Accuracy of Advertising; support for NCUA Regulatory Reform Agenda; Extend examination cycle for low-risk, well-run credit unions greater than $1 billion in assets; CFPB - Use of Section 1022 exemption authority; rulemakings related to debt collection, overdraft, qualified mortgage, ATR, mortgage servicing, consumer complaint database (and consumer inquiry handling process), Home Mortgage Disclosure Act (HMDA) requirements and reporting thresholds, implementation and examination, prepaid accounts; Section 1071 small business data collection; remittances rule and review; Truth in Lending Act/Real Estate Settlement Procedures Act (TILA/RESPA); free access to credit scores for consumers; Amendments to TILA/RESPA Integrated Disclosure Rule (TRID); Dept. of Treasury - Executive Order implementation, streamlining CDFI certifications, CDFI and CDRLF funding; cybersecurity interagency coordination; Regulation of FinTech companies; Do not subject credit unions to the Community Reinvestment Act (CRA); FCC - TCPA reform and requirements, interpretations, and litigation, fighting robocalls; FHFA - chattel loans/duty to serve; GSEs use of alternative credit scores; Credit Risk Transfer transactions; implementation of the Common Securitization Platform (CSP) and Single Security; FHLB Capital Requirements; FHLB role in mortgage market; SBA - Expanding CU participation in SBA lending; Dept. of Defense - Military Lending Act (MLA) Final Rule changes, guidance and implementation; IRS - guidance related to the tax reform bill, including executive compensation excise tax; Dept. of Labor - Revocation of Fiduciary Duty rule and Overtime rule; Dept. of Justice - ADA standards and guidance related to website accessibility; FTC - frivolous demand letters in violation of the Federal Trade Commission Act; FinCEN - Burden related to Suspicious Activities Reports (SARs) required under the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules, raising the required SAR reporting threshold; combating financial crimes; Federal Reserve - Regulation CC; acceptance of electronically signed loans as pledged collateral; role in payments system; Electronic Signatures; NIST - framework for Improving Critical Infrastructure Cybersecurity; Dept. of VA - Allowable Charges and Fees Assessed Incident to VA-Guaranteed Home Loans; FFIEC - evolution of the Cybersecurity Assessment Tool (CAT); FASB - CECL Accounting Standard implementation; Involuntary Liquidation of FCUs and Claims Procedures; Modernizing data collection for supervision of credit unions; FHFA's Affordable Housing Program; IRS oversight of credit unions; FinCEN's Customer Due Diligence Rule; CFPB Civil Investigative Demands and Associated processes; CFPB's Rules of Practice for Adjudication Proceedings; Collection of Checks and other items by Federal Reserve Banks and Funds Transfers Through Fedwire; CFPB's Enforcement Processes; Federal Credit Union Bylaws; CFPB's Supervision Program; Proposed Suspension and Debarment Procedures; FY'19 FSGG Appropriations Bill; CFPB's RFI regarding external engagements; Regulatory Review; CFPB's Rulemaking Processes; the Give Useful Information to Define Effective Compliance Act (H.R. 5534); the Counter Terrorism and Illicit Finance Act (H.R. 6068); Regulatory Changes in Light of S. 2155; CFPB's Adopted Regulations and New Rulemakings Authorities; Volker Rule; Feedback regarding operating vision for the US Faster Payments Council; CFPB's Inherited Regulations and Inherited Rulemaking Authorities; Title VII of H.R. 5841; CFPB financial education programs; financial literacy; Payday Alternative Loans (PALs); privacy risks regarding data sharing and section 1033 of Dodd-Frank; Disparate Impact Standard; Identity Fraud; Variable Interest Rates; Glass-Steagall Act; Credit Bureaus and the Fair Credit Reporting Act; NDAA - bank operations on military bases; USPS banking services; H.R. 5036, the Financial Technology Protection Act; H.R. 6743 - the Consumer Information Notification Requirement Act.

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

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

Issues related to banking regulatory reform: HR 3312 - Systemic Risk Designation Improvement Act of 2017 HR 10 - Financial CHOICE Act of 2017 HR 1116 - Tailor Act of 2017 HR 5192 & S 2498 - Protecting Children from Identity Theft Act HR 6068 - Counter Terrorism & Illicit Finance Act HR 1635 - Empowering Students Through Enhanced Financial Counseling Act of 2018 HR 6972 - To Require the CFPB to meet its Statutory Purpose, and Other Purposes 2018 S 366 - Tailor Act of 2017 S 1893 - Systemic Risk Designation Improvement Act of 2017 S 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act S 2755 - Postal Banking Act

Client expense: $430,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.493, Subsidy Reserve Act of 2017, 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. 1116/S.366, the TAILOR Act H.R. 1264, Community Financial Institution Exemption Act H.R. 1624, Municipal Finance Support Act H.R. 1948, Small Bank Holding Company Relief Act H.R. 2121, Pension, Endowment, and Mutual Fund Access to Banking Act H.R. 2133, CLEARR Act of 017 H.R. 2396, the Privacy Notification Technical Clarification Act H.R. 2226, Portfolio Lending and Mortgage Access Act H.R. 2403, Keeping Capital Local for Underserved Communities Act of 2017 H.R. 2706, Financial Institution Customer Protection Act of 2017 H.R. 2793, Consumer Transaction Account Protection Act of 2017 H.R. 2954, Home Mortgage Disclosure Adjustment Act H.R. 3072, Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017 H.R. 3093, Investor Clarity and Bank Parity Act H.R. 3179, Transparency and Accountability for Business Standards Act H.R. 3221, the Securing Access to Affordable Mortgages Act H.R. 3312, The Systemic Risk Designation Improvement Act H.R. 3741, to codify the Minority Bank Deposit Program, and for other purposes. H.R. 3971, the Community Institution Mortgage Relief Act H.R. 3978, TRID Improvement Act of 2017 H.R. 4292, Financial Institution Living Will Improvement Act of 2017 H.R. 4293, Stress Test Improvement Act of 2017 H.R. 4296, to place requirements on operational risk capital requirements for banking organizations established by an appropriate Federal banking agency. H.R. 4439, the Modernizing Borrower Credit Opportunities Act H.R. 4545 / S. 2237, Financial Institutions Examination Fairness and Reform Act H.R. 4607, Comprehensive Regulatory Review Act H.R. 4648, Home Mortgage Relief Act of 2017 H.R. 4725, Community Bank Reporting Relief Act H.R. 4771, Small Bank Holding Company Relief Act H.R. 4790, Volcker Rule Regulatory Harmonization Act H.R. 4861, the Ensuring Quality Unbiased Access to Loans (EQUAL) Act H.R. 5076, Small Bank Exam Cycle Improvement Act of 2018 H.R. 5783, Cooperate with Law Enforcement Agencies and Watch Act of 2018 H.R. 6158, The Brokered Deposit-Affiliate Subsidiary Modernization Act of 2018 S. 828, to amend the Federal Deposit Insurance Act to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets. S. 1002, CLEAR Relief Act S. 1139, Main Street Regulatory Fairness Act S. 1284, Community Bank Relief Act S. 1310, Home Mortgage Disclosure Adjustment Act S. 1500, a bill to amend the Federal Deposit Insurance Act to ensure that the reciprocal deposits of an insured depository institution are not considered to be funds obtained by or through a deposit broker. S. 1642 / H.R. 3299, Protecting Consumers' Access to Credit Act of 2017 S. 1893, to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision. S. 1962, Community Bank Access to Capital Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act Russell Amendment to H.R. 5515, the National Defense Authorization Act for Fiscal Year 2019 Section 701 of H.R. 5841, the Foreign Investment Risk Review Modernization Act of 2018 Capital Rules Liquidity Rules LIBOR Stress Testing Accountability for Basel/FSB negotiations Volcker Rule Reform DoL Fiduciary Rule The Financial CHOICE Act Durbin Interchange Amendment De novo banks

Client expense: $2,130,000 · Firm income: Not reported

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

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

Client expense: $712,573 · Firm income: Not reported

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

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; OCC CRA Reform Federal Legislative Activity TAILOR Act (HR 1116); Financial Choice Act(HR 10) and amendments; Durbin Amendment; Portfolio Lending and Mortgage Access Act; Federal Savings Association Charter Flexibility Act (HR 1426); credit union issues; Tax Reform and Jobs Act; Senate regulatory relief bill (S.2155)

Client expense: $45,000 · 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)

Bank capital rules Banks stress tests H.R. 1116, the "Taking Account of Institutions with Low Operation Risk Act of 2017" HR 4790 -- Volcker Rule Regulatory Harmonization Act Volcker Rule

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

Bank capital rules Banks stress tests Financial Technology ("Fintech") H.R. 1116, the "Taking Account of Institutions with Low Operation Risk Act of 2017" H.R. 1144, the Inclusive Prosperity Act 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 5749 -- Options Market Stability Act Nominations for SEC, CFTC, FDIC S. 1020, the Carried Interest Fairness Act S. 2155 -- Economic Growth, Regulatory Relief, and Consumer Protection Act Substitute Amendment to S. 2155 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 5877 -- Main Street Growth Act Liquidity disclosures for funds

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

Oppose any riders to Appropriations bill(s) which would place the Consumer Financial Protection Bureau under the appropriations process Oppose the leaked version of a housing finance proposal from U.S. Senators Bob Corker (TN) and Mark Warner (VA) that would severely harm Americas housing market. Our opposition is mainly rooted in the proposals negative impact on access, affordability, and market stability Oppose H.R. 1153-the Mortgage Choice Act of 2018, which creates a loophole that would allow loans with higher costs to the borrower to improperly meet the Qualified Mortgage (QM) standard Oppose S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act. The bill de-regulates the financial service industry by repealing several portions of the 2010 Dodd-Frank Wall Street Reform Act Oppose Section 104 of S. 2155, which requires tiered reporting of information under the Home Mortgage Disclosure Act (HMDA) and will result in the exemption of 85% of depositories from the updated reporting required by the Dodd-Frank Wall Street Reform and Consumer Protection Act Support GSE reform that contains language to: Preserve and Enhance Fair Housing and Anti-Discrimination Protections; Provide Broad Access for Borrowers, Institutions and Regions; Preserve the Systems Affordable Housing Mission, and the Availability of Inclusive Loan Products and Services; and protect taxpayers Oppose any bill or amendment which would cut the salaries of employees of the Consumer Financial Protection Bureau (CFPB) Oppose HR 1116, the TAILOR Act, which imposes hurdles on agencies adopting regulations, and requires them to revisit them, with burdensome requirements that regulations be tailored for different types of institutions, something agencies already take into account. The bill will make it harder to adopt, maintain or defend regulations Oppose HR 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017, will eliminate the CFPB's authority to supervise banks from $10 billion to $50 billion, among the largest 2% of banks in the country Clarify and reiterate that we are opposed to S. 2155 and that we do not have a position on an amendment regarding credit scoring to be offered by Senator Scott (SC) to S. 2155 Oppose HR 5266 or any similar bill or amendment which would turn the leadership of the CFPB from a single director into a commission of 5. Oppose mandatory arbitration clauses for investors; support the SEC protecting investors rights to bring securities class action lawsuits Oppose S. J. Res. 57, which disapproves of a CFPB guidance aimed at restricting discrimination in auto lending Support a national cap on interest rates and fees at 36% to eliminate high-cost loans (support HR 3760 / S 1659) Support the amendment offered by Senator Cortez Masto (NV) to S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act to strike section 104 of the legislation. Section 104 is the section which would exempt 85% of depository institutions from full reporting of loan data under the Home Mortgage Disclosure Act (HMDA) Oppose S. 2155, because it does irreparable damage to fair lending protections against racial discrimination; it harms homebuyers; and it contains over two deregulatory provisions of the financial services industry that were put into place after the 2008 global crises Oppose H.R. 5266, the Financial Product Safety Commission Act of 2018 which would change the leadership structure of the CFPB from a single Director to a 5-member commission Oppose requiring the Consumer Financial Protection Bureau (CFPB) to re-evaluate the work of the CFPB Oppose changes to the CFPBs modus operendi that would make it more difficult for the agency to investigate potential violations of law and easier for lawbreakers to hamstring the bureau. Support the regulators preventing high-cost, usurious loans by banks and credit unions-whether short-term, balloon-payment payday loans (which banks sometimes call deposit advance loans) or longer-term high-cost installment loans or lines of credit, and regardless of whether the loans are made by banks directly or through partnerships with non-bank lenders. Oppose banning public access to the CFPB consumer complaint data base Oppose the CFPB revising the rules by which the Bureau brings administrative enforcement actions before Administrative Law Judges. This changes in procedure and the greater application of rules for federal court litigation would likely make it easier for defendants to slow down proceedings and otherwise obstruct the Bureaus enforcement process. Oppose S. 2702, the Business of Insurance Regulatory Reform Act of 2018. The bill limits the Consumer Financial Protection Bureaus (CFPBs) authority to enforce federal consumer financial protection laws against entities that are regulated by a state insurance regulator to the extent such person is engaged in the business of insurance. The bill threatens to have wide-ranging impacts that infringe on the CFPBs core authority to address problems with consumer financial products and services. Support the SEC urging delaying closing the comment period on their Regulation Best Interest regulatory package. Their entire regulatory approach rests on the questionable assumption that their proposed disclosures will enable investors to make an informed choice among different types of providers. Fortunately, they are planning to conduct investor testing of the disclosures, but they are not expected to complete that round of testing until after the comment period is scheduled to close August 7. We therefore support them keeping the comment period open until 90 days after they have completed and published the findings of their disclosure testing. Support the CFPBs current public complaint process Support the retention of the CFPBs inclusive, transparent, evidence-based and comprehensive rulemaking process Oppose riders to the Financial Services / General Government Appropriations bill for 2019 which would deregulate everything from the nations largest banks to high-frequency Wall Street traders to consumer lenders supervised by the Consumer Financial Protection Bureau Support a Community Reinvestment Act (CRA) which retains a local geographical focus; avoids simplistic measures of performance; safeguards vibrant public participation; maintains the importance of bank branches; retains its focus on low- and moderate-individuals and neighborhoods; penalizes, on CRA exams, discrimination and violation of anti-discrimination and pro-consumer laws; takes bank activity to people and communities of color into consideration; does not allow bank mergers after one or both of the banks fail a CRA exam; takes into consideration affiliate activities; recognizes community benefit agreements; and refines CRA rating to be more reflective of a banks activities Oppose the CFPB revisiting or weakening any existing regulations In order to stop abusive debt collection, support the following regulations: limit calls to one a week (with up to three attempted calls); require collectors to obey the consumers oral request to stop calling; ensure that newer communication technologies respect privacy, do not abuse or harass, and comply with the FDCPA; and prohibit the collection of time-barred debt or adopt very strict limits that prohibit suits on revived debt and limit communications to writings that include clear disclosures that the consumer cannot be sued Support the CFPB decision to refrain from revisiting or delaying the prepaid accounts rule (Regulations E and Z) that is scheduled to go into effect in 2019 Support the Consumer Financial Protection Bureaus remittance rule and urge the bureau not to revisit or weaken it. Support the CFPB (1) rescinding the rule permitting high pre-account opening fees on fee harvester cards that evade the CARD Act, (2) rescinding the ability-to-repay rule that permits consumers who do not have income to rely on household income even if they are not legally entitled to access Support that the FHFA (1) direct Fannie and Freddie to develop capital restoration plans, consistent with the capital and leverage standards being developed, and (2) suspend the net worth sweep in order to increase the GSEs capital buffer. Support existing regulations on the Truth in Savings Act, the Expedited Funds Availability Act, and the Fair lending Act and urge the CFPB not to weaken them Support the long-established disparate impact jurisprudence under the Equal Credit Opportunity Act (ECOA). Support the importance of Regulation B and the use of the disparate-impact doctrine in enforcement actions, examinations, and complaint investigations that have ECOA implications The CFPB must not adopt changes to its processes for using civil investigative demands that would hinder or delay its important work addressing potential legal violations. support and vote in favor of amendment #2157 to be offered by Senator Cortez Masto (NV) to S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act to strike section 104 of the legislation. Support HR 2219, the End Banking for Human Traffickers Act

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

Government targets: Agriculture, Dept of (USDA), Bureau of Citizenship & Immigration Services (BCIS), Bureau of Prisons (BOP), Bureau of the Census, Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Director of National Intelligence (ODNI), Education, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, 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), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Social Security Administration (SSA), State, Dept of (DOS), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), White House Office

Oppose Ken Marcuss nomination to Assistant Secretary of Education for Civil Rights Oppose the Department of Justices request for a new citizenship question on the 2020 Census. Support hearings by both the House and Senate Committees with oversight authority over the census in which Commerce Secretary Ross is asked how he came to the decision to include a citizenship question on the 2020 census form Support HR 4396, the Congress ME TOO Act. Support ensure a safe and fair workplace culture in Congress. Support that any anti-workplace harassment legislation for Congress ensure that any reforms also apply to claims of workplace discrimination based on sex (including sexual orientation, gender identity, pregnancy and childbirth), race, disability, age, ethnicity/national origin, color, religion, marital status, and status as a parent. Support the Census Bureau moving forward with testing of sexual orientation and gender identity questions, improving testing on privacy and confidentiality messaging, making the survey more accessible to people in group quarters, and reducing reliance on administrative records for enumeration regarding the American Community Survey (ACS). Support the need for better language supports for the ACS. Oppose HR 1116, the TAILOR Act, which imposes hurdles on agencies adopting regulations, and requires them to revisit them, with burdensome requirements that regulations be tailored for different types of institutions, something agencies already take into account. The bill will make it harder to adopt, maintain or defend regulations Support HR 4924, support it being strengthened by expanding the 1280 day reporting requirement to include the date the claimant knew of the alleged violation; extend the statutory deadline for filing a civil action to at least 90 days; extend whistleblower protections available to the executive branch to the legislative branch; and extend all notice posting requirements to the legislative branch. Support H. Res. 724, support extending the directives therein to the Senate Support statehood for the people of Puerto Rico Support, Preserve and Protect Equal Opportunity Programs including Affirmative Action Eliminate potential discrimination in Faith Based initiatives Study Proposals for Reparations for African Americans (support HR 40) Support access to the polls for all eligible voters, support making it easier to register and vote (support HR 12 / S 1437) Support same-day voter registration-Support early voting / Sunday voting Support automatic voter registration Oppose Photo Identification requirements for voting Support Campaign Finance Reform (support HR 20 / S 1640) Support the re-enfranchisement of ex-felony offenders (support S 1588) Ensure a fair and accurate 2020 census Support the repair and strengthening of the 1965 Voting Rights Act (Support HR 2978 / S1419) Oppose a citizenship question on the 2020 Census Oppose the confirmation of Mike Pompeo to serve as US Secretary of State Support $4.735 billion for the Census Bureau in FY2019 -$933.50 million above the Administrations request for the agency, and $912.5 million above the request of $3.015 billion for the 2020 Census. Oppose banning public access to the CFPB consumer complaint data base Oppose the CFPB revising the rules by which the Bureau brings administrative enforcement actions before Administrative Law Judges. This changes in procedure and the greater application of rules for federal court litigation would likely make it easier for defendants to slow down proceedings and otherwise obstruct the Bureaus enforcement process. Support that the CFPB maintain a policy and procedure for external engagements, such as a minimum number of roundtables, advisory board meetings, and/or teleconferences Support the Senate Appropriations Subcommittee on the Department of Commerce, Justice and Science Subcommittee match the funding level of roughly $4.8 billion for the 2020 Census that was in the Appropriations Committee approved bill. Support the CFPB's current public complaint process Support the retention of the CFPBs inclusive, transparent, evidence-based and comprehensive rulemaking process Support the Congressional Accountability Act of 1995 Reform Act (H.R. 4924 / S 2952). Support the House bill over the one passed in the Senate, as it provides greater transparency and accountability to the public and stronger protections for employees of the legislative workforce Support S. 1728, the Private Prison Information /act, which would require for-profit prisons and detention centers to comply with the Freedom of Information Act (FOIA)

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

Government targets: Agriculture, Dept of (USDA), Bureau of Citizenship & Immigration Services (BCIS), Bureau of Prisons (BOP), Bureau of the Census, Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Director of National Intelligence (ODNI), Education, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, 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), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Social Security Administration (SSA), State, Dept of (DOS), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), White House Office

Oppose any riders to Appropriations bill(s) which would place the Consumer Financial Protection Bureau under the appropriations process Oppose the leaked version of a housing finance proposal from U.S. Senators Bob Corker (TN) and Mark Warner (VA) that would severely harm Americas housing market. Our opposition is mainly rooted in the proposals negative impact on access, affordability, and market stability Oppose H.R. 1153-the Mortgage Choice Act of 2018, which creates a loophole that would allow loans with higher costs to the borrower to improperly meet the Qualified Mortgage (QM) standard Oppose S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act. The bill de-regulates the financial service industry by repealing several portions of the 2010 Dodd-Frank Wall Street Reform Act Oppose Section 104 of S. 2155, which requires tiered reporting of information under the Home Mortgage Disclosure Act (HMDA) and will result in the exemption of 85% of depositories from the updated reporting required by the Dodd-Frank Wall Street Reform and Consumer Protection Act Support GSE reform that contains language to: Preserve and Enhance Fair Housing and Anti-Discrimination Protections; Provide Broad Access for Borrowers, Institutions and Regions; Preserve the Systems Affordable Housing Mission, and the Availability of Inclusive Loan Products and Services; and protect taxpayers Oppose any bill or amendment which would cut the salaries of employees of the Consumer Financial Protection Bureau (CFPB) Oppose HR 1116, the TAILOR Act, which imposes hurdles on agencies adopting regulations, and requires them to revisit them, with burdensome requirements that regulations be tailored for different types of institutions, something agencies already take into account. The bill will make it harder to adopt, maintain or defend regulations Oppose HR 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017, will eliminate the CFPB's authority to supervise banks from $10 billion to $50 billion, among the largest 2% of banks in the country Clarify and reiterate that we are opposed to S. 2155 and that we do not have a position on an amendment regarding credit scoring to be offered by Senator Scott (SC) to S. 2155 Oppose HR 5266 or any similar bill or amendment which would turn the leadership of the CFPB from a single director into a commission of 5. Oppose S. J. Res. 57, which disapproves of a CFPB guidance aimed at restricting discrimination in auto lending. Support a national cap on interest rates and fees at 36% to eliminate high-cost loans (support HR 3760 / S 1659) Support the amendment offered by Senator Cortez Masto (NV) to S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act to strike section 104 of the legislation. Section 104 is the section which would exempt 85% of depository institutions from full reporting of loan data under the Home Mortgage Disclosure Act (HMDA) Oppose S. 2155, because it does irreparable damage to fair lending protections against racial discrimination; it harms homebuyers; and it contains over two deregulatory provisions of the financial services industry that were put into place after the 2008 global crises Oppose H.R. 5266, the Financial Product Safety Commission Act of 2018 which would change the leadership structure of the CFPB from a single Director to a 5-member commission Oppose requiring the Consumer Financial Protection Bureau (CFPB) to re-evaluate the work of the CFPB Oppose changes to the CFPBs modus operendi that would make it more difficult for the agency to investigate potential violations of law and easier for lawbreakers to hamstring the bureau. Support the regulators preventing high-cost, usurious loans by banks and credit unions-whether short-term, balloon-payment payday loans (which banks sometimes call deposit advance loans) or longer-term high-cost installment loans or lines of credit, and regardless of whether the loans are made by banks directly or through partnerships with non-bank lenders. Oppose banning public access to the CFPB consumer complaint data base Oppose the CFPB revising the rules by which the Bureau brings administrative enforcement actions before Administrative Law Judges. This changes in procedure and the greater application of rules for federal court litigation would likely make it easier for defendants to slow down proceedings and otherwise obstruct the Bureaus enforcement process. Oppose S. 2702, the Business of Insurance Regulatory Reform Act of 2018. The bill limits the Consumer Financial Protection Bureaus (CFPBs) authority to enforce federal consumer financial protection laws against entities that are regulated by a state insurance regulator to the extent such person is engaged in the business of insurance. The bill threatens to have wide-ranging impacts that infringe on the CFPBs core authority to address problems with consumer financial products and services. Support the SEC urging delaying closing the comment period on their Regulation Best Interest regulatory package. Their entire regulatory approach rests on the questionable assumption that their proposed disclosures will enable investors to make an informed choice among different types of providers. Fortunately, they are planning to conduct investor testing of the disclosures, but they are not expected to complete that round of testing until after the comment period is scheduled to close August 7. We therefore support them keeping the comment period open until 90 days after they have completed and published the findings of their disclosure testing. Support the CFPBs current public complaint process Support the retention of the CFPBs inclusive, transparent, evidence-based and comprehensive rulemaking process Oppose riders to the Financial Services / General Government Appropriations bill for 2019 which would deregulate everything from the nations largest banks to high-frequency Wall Street traders to consumer lenders supervised by the Consumer Financial Protection Bureau Support a Community Reinvestment Act (CRA) which retains a local geographical focus; avoids simplistic measures of performance; safeguards vibrant public participation; maintains the importance of bank branches; retains its focus on low- and moderate-individuals and neighborhoods; penalizes, on CRA exams, discrimination and violation of anti-discrimination and pro-consumer laws; takes bank activity to people and communities of color into consideration; does not allow bank mergers after one or both of the banks fail a CRA exam; takes into consideration affiliate activities; recognizes community benefit agreements; and refines CRA rating to be more reflective of a banks activities. Oppose the CFPB revisiting or weakening any existing regulations In order to stop abusive debt collection, support the following regulations: limit calls to one a week (with up to three attempted calls); require collectors to obey the consumers oral request to stop calling; ensure that newer communication technologies respect privacy, do not abuse or harass, and comply with the FDCPA; and prohibit the collection of time-barred debt or adopt very strict limits that prohibit suits on revived debt and limit communications to writings that include clear disclosures that the consumer cannot be sued Support the CFPB decision to refrain from revisiting or delaying the prepaid accounts rule (Regulations E and Z) that is scheduled to go into effect in 2019 Support the Consumer Financial Protection Bureaus remittance rule and urge the bureau not to revisit or weaken it. Support the CFPB (1) rescinding the rule permitting high pre-account opening fees on fee harvester cards that evade the CARD Act, (2) rescinding the ability-to-repay rule that permits consumers who do not have income to rely on household income even if they are not legally entitled to access Support that the FHFA (1) direct Fannie and Freddie to develop capital restoration plans, consistent with the capital and leverage standards being developed, and (2) suspend the net worth sweep in order to increase the GSEs capital buffer. Support existing regulations on the Truth in Savings Act, the Expedited Funds Availability Act, and the Fair lending Acct and urge the CFPB not to weaken them Support the long-established disparate impact jurisprudence under the Equal Credit Opportunity Act (ECOA). Support the importance of Regulation B and the use of the disparate-impact doctrine in enforcement actions, examinations, and complaint investigations that have ECOA implications The CFPB must not adopt changes to its processes for using civil investigative demands that would hinder or delay its important work addressing potential legal violations. support and vote in favor of amendment #2157 to be offered by Senator Cortez Masto (NV) to S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act to strike section 104 of the legislation. Support HR 2219, the End Banking for Human Traffickers Act

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

Government targets: Agriculture, Dept of (USDA), Bureau of Citizenship & Immigration Services (BCIS), Bureau of Prisons (BOP), Bureau of the Census, Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Director of National Intelligence (ODNI), Education, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, 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), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Social Security Administration (SSA), State, Dept of (DOS), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), White House Office

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

Client expense: $521,294 · Firm income: Not reported

Government targets: Bureau of the Census, Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Education, Dept of, Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Commission on Civil Rights

H.R.493, Subsidy Reserve Act of 2017, 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. 1116/S.366, the TAILOR Act H.R. 1264, Community Financial Institution Exemption Act H.R. 1624, Municipal Finance Support Act H.R. 1948, Small Bank Holding Company Relief Act H.R. 2121, Pension, Endowment, and Mutual Fund Access to Banking Act H.R. 2133, CLEARR Act of 017 H.R. 2396, the Privacy Notification Technical Clarification Act H.R. 2226, Portfolio Lending and Mortgage Access Act H.R. 2403, Keeping Capital Local for Underserved Communities Act of 2017 H.R. 2706, Financial Institution Customer Protection Act of 2017 H.R. 2793, Consumer Transaction Account Protection Act of 2017 H.R. 2954, Home Mortgage Disclosure Adjustment Act H.R. 3072, Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017 H.R. 3093, Investor Clarity and Bank Parity Act H.R. 3179, Transparency and Accountability for Business Standards Act H.R. 3221, the Securing Access to Affordable Mortgages Act H.R. 3312, The Systemic Risk Designation Improvement Act H.R. 3741, to codify the Minority Bank Deposit Program, and for other purposes. H.R. 3971, the Community Institution Mortgage Relief Act H.R. 3978, TRID Improvement Act of 2017 H.R. 4292, Financial Institution Living Will Improvement Act of 2017 H.R. 4293, Stress Test Improvement Act of 2017 H.R. 4296, to place requirements on operational risk capital requirements for banking organizations established by an appropriate Federal banking agency. H.R. 4439, the Modernizing Borrower Credit Opportunities Act H.R. 4545 / S. 2237, Financial Institutions Examination Fairness and Reform Act H.R. 4607, Comprehensive Regulatory Review Act H.R. 4648, Home Mortgage Relief Act of 2017 H.R. 4725, Community Bank Reporting Relief Act H.R. 4771, Small Bank Holding Company Relief Act H.R. 4790, Volcker Rule Regulatory Harmonization Act H.R. 4861, the Ensuring Quality Unbiased Access to Loans (EQUAL) Act H.R. 5076, Small Bank Exam Cycle Improvement Act of 2018 H.R. 5783, Cooperate with Law Enforcement Agencies and Watch Act of 2018 S. 828, to amend the Federal Deposit Insurance Act to require the appropriate Federal banking agencies to treat certain municipal obligations as level 2B liquid assets. S. 1002, CLEAR Relief Act S. 1139, Main Street Regulatory Fairness Act S. 1284, Community Bank Relief Act S. 1310, Home Mortgage Disclosure Adjustment Act S. 1500, a bill to amend the Federal Deposit Insurance Act to ensure that the reciprocal deposits of an insured depository institution are not considered to be funds obtained by or through a deposit broker. S. 1642 / H.R. 3299, Protecting Consumers' Access to Credit Act of 2017 S. 1893, to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision. S. 1962, Community Bank Access to Capital Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act Russell Amendment to H.R. 5515, the National Defense Authorization Act for Fiscal Year 2019 Section 701 of H.R. 5841, the Foreign Investment Risk Review Modernization Act of 2018 Capital Rules Liquidity Rules LIBOR Stress Testing Accountability for Basel/FSB negotiations Volcker Rule Reform DoL Fiduciary Rule The Financial CHOICE Act Durbin Interchange Amendment De novo banks

Client expense: $2,500,000 · Firm income: Not reported

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

S.836 / H.R. 389 - 115th Congress (2017-2018), Credit Union Residential Loan Parity Act: Creates parity between banks and credit unions regarding treatment of loans by credit unions for 1-4 family, non-owner occupied residential dwellings as residential rather than commercial loans, thereby exempting such loans from counting against a credit unions MBL cap. S.366 / H.R. 1116 - 115th Congress (2017-2018), TAILOR Act of 2017: Would require regulatory agencies to take risk profiles and business models into account when crafting new regulations and requires agencies to examine all regulations issued since passage of Dodd-Frank in 2010 to make sure they comply with TAILOR Act. H.R.1264 - 115th Congress (2017-2018), Community Financial Institution Exemption Act: Would provide that community financial institutions with under $50 billion in assets are exempt from CFPB regulations unless the CFPB can demonstrate harm to consumers. H.R.1244 - 115th Congress (2017-2018), Capital Access for Small Business and Jobs Act: Would provide credit unions relief from the NCUAs risk-based capital rule and allow credit unions to raise capital from sources other than retained earnings. S.105 - 115th Congress (2017-2018), Consumer Financial Protection Board Act of 2017: Would establish a five-member, bipartisan board of directors for the CFPB. S.387 - 115th Congress (2017-2018), Consumer Financial Protection Bureau Accountability Act of 2017: Subjects the CFPB to annual appropriations process rather than receiving funding via Federal Reserve System transfers. S.2155 - 115th Congress (2017-2018), Economic Growth, Regulatory Relief, and Consumer Protection Act Credit Union tax exemption.

Client expense: Not reported · Firm income: Not reported

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 NCUAs risk-based capital rule Issues related to NCUAs Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUAs rule on securitization Issues related to NCUAs regulatory review process Issues related to NCUAs rule on Member Business Lending Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions 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 credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions 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 fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to premium assessments by the National Credit Union Share Insurance, NCUA Issues related to NCUAs Corporate Credit Union Stabilization Plan Issues related to NCUAs budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers 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 Supervisory 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 rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the CFPBs regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPBs regulation on Truth-in-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPBs consumer complaint database Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending 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 CFPB's proposal on arbitration 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 data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulatory D Issues related to the Feds implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumers access to records Issues related to economic growth Issues related to the National Credit Union Administration's Advance Notice of Proposed Rulemaking for Supplemental Capital Issues related to Interchange Fees Issues related to the funding of the National Credit Union Administration Issues related to the consumer notification of privacy standards Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to the transfer of leadership at the Consumer Financial Protection Bureau Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms H.J. Res 111, a resolution providing for congressional disapproval under chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.R. 10, the Financial CHOICE Act H.R. 26, the Regulations in Need of Scrutiny Act, all provisions H.R. 389, the Credit Union Residential Loan Parity Act, all provisions H.R. 924, the Financial Institutions Due Process Act H.R. 1116, the Taking Account of Institutions with Low Operation Risk Act (TAILOR), all provisions H.R. 1153, the Mortgage Choice Act of 2017, all provisions H.R. 1244, the Capital Access for Small Businesses and Jobs Act, all provisions H.R. 1264, the Community Financial Institution Exemption Act, all provisions H.R. 1457, the MOBILE Act, all provisions H.R. 1585, the Mutual Bank Capital Opportunity Act, all provisions H.R. 1958, the Protections Affordable Coverage for Employees (PACE) Act, all provisions H.R. 2054, Protecting Americans from Credit Entanglements Act of 2017 H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act, all provisions H.R. 2204, the Homeowner Information Privacy Protection Act, all provisions H.R. 2226, the Portfolio Lending and Mortgage Access Act, all provisions H.R. 2359, Fair Credit Reporting Act Liability Harmonization H.R. 2396, the Privacy Notification Technical Correction Act H.R. 2706, the Financial Institution Customer Protection Act, all provisions H.R. 2954, the Home Mortgage Disclosure Adjustment Act H.R. 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold, all provisions H.R. 3089, the Corporate Transparency Act H.R. 3221, the Securing Access to Affordable Mortgages Act, all provisions H.R. 3299, the Protecting Consumers Access to Credit Act of 2017, all provisions H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 H.R. 3758, the Senior Safe Act of 2017 H.R. 3857, the PASS: Protecting Advice for Small Savers Act, all provisions H.R. 3866, to amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan, all provisions H.R. 3911, the Risk-Based Credit Examination Act, all provisions H.R. 3971, the Community Institution Mortgage Relief Act of 2017 H.R. 3978, To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes H.R. 4464, the Common Sense Credit Union Capital Relief Act of 2017, all provisions H.R. 4545, the Financial Institutions Examination Fairness and Reform Act, all provisions H.R. 4607, the Comprehensive Regulatory Review Act, all provisions H.R. 4648, the Home Mortgage Reporting Relief Act of 2017, all provisions H.R. 5078, the TRID Improvement Act of 2018, all provisions H.R. 5266, the Financial Product Safety Commission Act of 2018, all provisions H.R. 5288, the Common Sense Credit Union Capital Relief Act of 2018, all provisions S.J. Res. 47, a resolution providing for congressional disapproval under Chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 21, the Regulations in Need of Scrutiny Act, all provisions S. 223, the Senior $afe Act, all provisions S. 366, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act, all provisions S. 836, the Credit Union Residential Loan Parity Act, all provisions S. 838, the Protecting Affordable Coverage for Employees (PACE) Act, all provisions S. 869, Protecting Americans from Credit Entanglements Act of 2017 S. 1002, CLEAR Relief Act of 2017, all provisions S. 1310, Home Mortgage Disclosure Adjustment Act S. 1579, the Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 2155, Economic Growth, Regulatory Relief, and Consumer protection Act, all provisions S. 2237, the Financial Institution Examination Fairness Reform Act, all provisions S.J.Res. 19, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, all provisions Legislation contemplated by House Financial Services Committee Chairman Jeb Hensarling entitled the Financial Creating Hope and Opportunity for Investors, Consumer and Entrepreneurs (CHOICE) Act, provisions impacting credit unions, the National Credit Union Administration and the Consumer Financial Protection Bureau.

Client expense: $1,070,000 · 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), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)

Bills in the Senate: S. 708 Regulatory Improvement Act (Establishes in the legislative branch the Regulatory Improvement Commission.) S. 774 Financial Institutions Examination Fairness and Reform Act (Amends the Federal Financial Institutions Examination Council Act of 1978 to require a federal financial institutions regulatory agency to make a final examination report to a financial institution within 60 days of the later of: (1) the exit interview for an examination of the institution, or (2) the provision of additional information by the institution relating to the examination.) S. 1484 Financial Regulatory Improvement Act of 2015 (This bill amends the Gramm-Leach-Bliley Act to exempt from the requirement to provide consumers with an annual written disclosure of their privacy policy certain financial institutions that provide nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution.) S. 1491 Community Lender Regulatory Relief and Consumer Protection Act of 2015 (Bill amends the Truth in Lending Act, Gramm0Leach Bliley Act, FDI Act, FHLB Act, and the Securities Exchange Act) S. 1607 the Independent Agency Regulatory Analysis Act of 2015 (A bill to affirm the authority of the President to require independent regulatory agencies to comply with regulatory analysis requirements applicable to executive agencies, and for other purposes.) S. 1647 Developing a Reliable and Innovative Vision for the Economy Act (To amend title 23, United States Code, to authorize funds for Federal-aid highways and highway safety construction programs, and for other purposes.) S. 1773 Consumer Reporting Fairness Act of 2015 (To amend title 11, United States Code, to require creditors to inform consumer reporting agencies that certain debts have been discharged in bankruptcy cases.) S. 1818 Principled Rulemaking Act (This bill revises the federal agency rulemaking process to require a agencies to promulgate only rules (defined to exclude agency actions involving a military or foreign affairs function of the United States or a matter relating to agency management or personnel or to public property, loans, grants, benefits, or contracts) that are required by law, necessary to interpret a law, or made necessary by public need, to protect or improve the health and safety of the public, the environment, or the wellbeing of the people of the United States.) S. 1820 Early Participation in Regulations Act (he bill directs an agency, not later than 90 days before publishing a notice of proposed rule making for a major rule in the Federal Register, to publish advance notice of proposed rule making for such rule,) S. 1817 Smarter Regulations Through Advance Planning and Review Act ( This bill requires a federal agency, when publishing a proposed major rule and when publishing a final major rule, to include a framework for assessing the rule) S. 1958 Christopher Bryski Student Loan Protection Act (To establish additional protections and disclosures for students and co-signers with respect to student loans, and for other purposes.) S. 2038 Jumpstart GSE reform Act (prohibits the use of an increase in the guarantee fee required to be charged by the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), or any affiliate of such organizations (enterprises) to offset an increase in outlays or a reduction in revenues for any purposes other than those related to the enterprises' business functions) S. 2663 Reforming CFPB Indirect Auto Financing Guidance Act (This bill declares without force or effect Consumer Financial Protection Bureau (CFPB) Bulletin 2013-02 (Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act), published March 21, 2013.) S.J. Res. 19 - A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) S. 552: Justice for Victims of Fraud Act (This bill amends the Truth in Lending Act and the Electronic Fund Transfer Act to prohibit predispute arbitration agreements with consumers (i.e., agreements to arbitrate any future disputes between parties instead of pursuing the claims in court) from being valid or enforceable in disputes related to credit card accounts or personal bank accounts that are not subject to a final judgment by a court if the credit card or bank account was not issued in response to a request or application for that account.) S. 537: Arbitration Fairness Act (This bill prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.) S. 550: Restoring Statutory Rights and Interests of the States Act (This bill amends the Federal Arbitration Act to invalidate arbitration agreements between parties in certain commercial contracts or transactions if they require arbitration of a claim for damages or injunctive relief brought by an individual or small business arising from the alleged violation of a federal or state statute, the U.S. Constitution, or a state constitution, unless the written agreement to arbitrate is entered into by both parties after the claim has arisen and pertains solely to an existing claim.) S. 553: Court Legal Access and Student Support (CLASS) Act (This bill makes procedures for the enforcement of arbitration agreements inapplicable to an enrollment agreement between a student and an institution of higher education (IHE).) S. 647: Mandatory Arbitration Transparency Act (This bill prohibits predispute arbitration agreements from containing a confidentiality clause regarding an employment, consumer, or civil rights dispute that could be interpreted to prohibit a party from: (1) making a communication in a manner such that the prohibition would violate a whistle-blower statute; or (2) reporting or making a communication about tortious conduct, unlawful conduct, or issues of public policy or public concern. ) S. 646: Justice for Servicemembers Act (This bill authorizes the Department of Justice (DOJ) to initiate an action for relief in a service member's employment or reemployment rights action with respect to: (1) a private or state employer, or (2) a state or private employer that is engaged in a pattern or practice to infringe upon such rights.) S.951 - Regulatory Accountability Act of 2017 (This bill codifies and revises notice-and-comment rulemaking procedures to require federal agencies to consider: (1) whether a rulemaking is required by statute or is within the discretion of the agency, (2) whether existing federal laws or rules could be amended or rescinded to address the problem, and (3) reasonable alternatives for a new rule.) S. 1642, Protecting Consumers Access to Credit Act of 2017 (This bill amends the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to state that bank loans that are valid when made as to their maximum rate of interest in accordance with federal law shall remain valid with respect to that rate regardless of whether a bank has subsequently sold or assigned the loan to a third party.0 S.J.Res.47 - A joint resolution 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" S. 1659, the Protecting Consumers from Unreasonable Credit Rates Act (This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%.) S.2155, Economic Growth, Regulatory Relief, and Consumer Protection Act (bill aimed at rolling back financial regulations concerning banks and other financial institutions) S.J. Res. 57 A joint resolution 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 "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" Bills in the House: H.R. 4, makes revisions to Federal law to improve the conditions necessary for economic growth and job creation, and for other purposes. H.R. 37, makes technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, to enhance the ability of small and emerging growth companies to access capital through public and private markets, to reduce regulatory burdens, and for other purposes. H.R. 50, provides for additional safeguards with respect to imposing Federal mandates, and for other purposes. H.R. 113, improves the accountability and transparency of the Board of Governors of the Federal Reserve System, and for other purposes. H.R. 185, reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents. H.R. 347, amends the Credit Repair Organizations Act to exempt certain consumer reporting agencies, and for other purposes. H.R. 367, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 427, amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 527, amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 650, amends the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage. H.R. 685, amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 766, provides requirements for the appropriate Federal banking agencies when requesting or ordering a depository institution to terminate a specific customer account, to provide for additional requirements related to subpoenas issued under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, and for other purposes. H.R. 899, provides for additional safeguards with respect to imposing Federal mandates, and for other purposes. H.R. 957, requires Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and for other purposes. H.R. 1090, amends the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. H.R. 1195, amends the Consumer Financial Protection Act of 2010 to establish advisory boards, and for other purposes H.R. 1210, amends the Truth in Lending Act to provide a safe harbor from certain requirements related to qualified mortgages for residential mortgage loans held on an originating depository institution's portfolio, and for other purposes. H.R. 1259, provides for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes. H.R. 1261, amends the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. H.R. 1264, provides an exemption from rules and regulations of the Bureau of Consumer Financial protection for community financial institutions, and for other purposes. H.R. 1265, applies the requirements of the Federal Advisory Committee Act to the Bureau of Consumer Financial Protection. H.R. 1266, amends the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes. H.R. 1413, terminates Operation Choke Point. H.R. 1493, imposes certain limitations on consent decrees and settlement agreements by agencies that require the agencies to take regulatory action in accordance with the terms thereof, and for other purposes. H.R. 1529, amends the Truth in Lending Act and the Real Estate Settlement Procedures Act of 1974 to modify the requirements for community financial institutions with respect to certain rules relating to mortgage loans, and for other purposes. H.R. 1553 amends the Federal Deposit Insurance Act to specify which smaller institutions may qualify for an 18-month examination cycle. H.R. 1660, amends the Home Owners' Loan Act to allow Federal savings associations to elect to operate as national banks, and for other purposes. H.R. 1737, nullifies certain guidance of the Bureau of Consumer Financial Protection and to provide requirements for guidance issued by the Bureau with respect to indirect auto lending. H.R. 1799, amends the Real Estate Settlement Procedures Act of 1974 to prohibit certain financial benefits for referrals of business and to improve the judicial relief for certain violations, and for other purposes. H.R. 1941, improves the examination of depository institutions, and for other purposes. H.R. 2213, provides 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. 2029, makes appropriations for military construction, the Department of Veterans Affairs, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2243, suspends the current compensation packages for the senior executives of Fannie Mae and Freddie Mac and establish compensation for such positions in accordance with rates of pay for senior employees in the Executive Branch of the Federal Government, and for other purposes. H.R. 2354, directs the Securities and Exchange Commission to review all its significant regulations to determine whether such regulations are necessary in the public interest or whether such regulations should be amended or rescinded. H.R. 4294, amends the Internal Revenue Code of 1986 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 2542 amends chapter 6 of title 5, United States Code (commonly known as the Regulatory Flexibility Act), to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.R. 2683, amends the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes. H.R. 2577, makes appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. H.R. 2804, amends title 5, United States Code, to require the Administrator of the Office of Information and Regulatory Affairs to publish information about rules on the Internet, and for other purposes. H.R. 3035, amends the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. H.R. 3189. amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System, and to amend title 31, United States Code, to reform the manner in which the Board of Governors of the Federal Reserve System is audited, and for other purposes. H.R. 3192, provides 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. 3438, amends title 5, United States Code, to postpone the effective date of high-impact rules pending judicial review. H.R. 3634, establishes student loan borrowers' rights to basic consumer protections, reasonable and flexible repayment options, access to earned credentials, and effective loan cancellation in exchange for public service, and for other purposes. H.R. 4018, amends the Truth in Lending Act to establish deferred presentment transaction requirements, and for other purposes. H.R. 4293, amends the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests, and for other purposes. H.R. 4439, amends the Revised Statutes, the Bank Service Company Act, the Federal Deposit Insurance Act, and the Home Owners' Loan Act to clarify that the role of the insured depository institution as lender and the location of an insured depository institution under applicable law are not affected by any contract between the institution and a third-party service provider, and to clarify that Federal preemption of State usury laws applies to any loan to which an insured depository institution is the party to which the debt is initially owed according to its terms, and for other purposes. H.R. 4550, amends the Fair Debt Collection Practices Act to exclude law firms and licensed attorneys who are engaged in activities related to legal proceedings from the definition of a debt collector, to amend the Consumer Financial Protection Act of 2010 to prevent the Bureau of Consumer Financial Protection from exercising supervisory or enforcement authority with respect to attorneys when undertaking certain actions related to legal proceedings, and for other purposes. H.R. 4648, delays the effective date of certain regulations relating to home mortgage disclosures, to suspend certain data sharing requirements, and for other purposes. H.R. 4725, amends the Federal Deposit Insurance Act to require short form call reports for certain depository institutions. H.R. 4768, amends title 5, United States Code, to clarify the nature of judicial review of agency interpretations of statutory and regulatory provisions. H.R. 4986, amends certain banking statutes in response to Operation Choke Point. H.R. 5143, provides greater transparency and congressional oversight of international insurance standards setting processes, and for other purposes. H.R. 5485, makes appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. H.R. 5982, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. Fiscal Year 2016 spending bills for the Department of Justice (CJS) Makes appropriations for the Departments of Commerce and Justice, Science, and Related Agencies for the fiscal year ending September 30, 2016, and for other purposes. Fiscal Year 2016 spending bills for the Department of Housing and Urban Development (THUD), Bill will fund critical infrastructure and safety programs, provide responsible levels of funding for low-income housing Fiscal Year 2017 Commerce, Justice, Science Funding Bill, Bill targets funding to law enforcement and national security efforts, economic development, and fundamental research activities H.R. 21 -Midnight Rules Relief Act of 2017, amends chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes. H.R. 26 -Executive Need of Scrutiny Act of 2017 (REINS Act), amends chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. H.R. 5 -Regulatory Accountability Act of 2017 (RAA), reforms the process by which Federal agencies analyze and formulate new regulations and guidance documents, to clarify the nature of judicial review of agency interpretations, to ensure complete analysis of potential impacts on small entities of rules, and for other purposes. H.J. Res. 73 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act. (CRA) H.R. 1424, amends the Truth in Lending Act and the Electronic Fund Transfer Act to provide justice to victims of fraud. H.R. 1374, amends title 9 of the United States Code with respect to arbitration. H.R. 1396, restores statutory rights to the people of the United States from forced arbitration. H.R. 985, amends the procedures used in Federal court class actions and multidistrict litigation proceedings to assure fairer, more efficient outcomes for claimants and defendants, and for other purposes. H.R. 585, amends the Securities Exchange Act of 1934 to prohibit mandatory pre-dispute arbitration agreements, and for other purposes. H.R. 864, (Rep. Love), amends the Fair Debt Collection Practices Act to restrict the debt collection practices of certain debt collectors H.R. 924, (Rep. Rothfus), amends the Federal Financial Institutions Examination Council Act of 1978 to establish a three-judge independent examination review panel. H.R. 1457, (Rep. Tipton), the Making Online Banking Initiation Legal and Easy Act of 2017 (To establish requirements for use of a driver's license or personal identification card by certain financial institutions for opening an account or obtaining a financial product or service, and for other purposes.) H.R. 2133, (Rep. Luetkemeyer), the Community Lending Enhancement and Regulatory Relief Act of 2017 (CLEARR act) (To provide regulatory relief to community financial institutions, and for other purposes.) H.R. 2226, (Rep. Barr), the Portfolio Lending and Mortgage Access Act ( This bill amends the Truth in Lending Act to allow a depository institution or credit union with assets below a specified threshold to forgo certain ability-to-pay requirements regarding residential mortgage loans) H.R. 2396, (Rep. Trott), the Privacy Notification Technical Correction Act (Bill amends section 503 of the Gramm-Leach Bliley Act. H.R. 3221, (Rep. Kustoff), the Access to Affordable Mortgages Act of 2017 (Sec. 2) This bill amends the Truth in Lending Act and the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to exempt from property appraisal requirements a mortgage loan of $250,000 or less if it appears on the loan creditor's balance sheet for at least three years.) H.R. ____, (Rep. Hollingsworth), the Ensuring Quality Unbiased Access to Loans Act of 2017 (To nullify certain guidance on deposit advance products and to amend the Federal Deposit Insurance Act to provide the appropriate Federal banking agencies with additional requirements when issuing such guidance, and for other purposes.) H.R. ____, (Rep. Tenney), to simplify the process for national banks to obtain deposit insurance, and for other purposes. House Appropriations Financial Services and General Government Financial Services Bill H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 (This bill requires federal financial regulatory agencies to: (1) tailor any regulatory actions so as to limit burdens on the institutions involved, with consideration of the risk profiles and business models of those institutions; and (2) report to Congress on specific actions taken to do so, as well as on other related issues. The bill's tailoring requirement applies not only to future regulatory actions but also to regulations adopted within the last seven years.) H.R. 1699, Preserving Access to Manufactured Housing Act of 2017 (This bill amends the Truth in Lending Act (TILA) to specify that a retailer of manufactured housing is generally not a "mortgage originator" subject to requirements under that Act. Similarly, the bill amends the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 to specify that such a retailer is generally not a "loan originator" subject to requirements under that Act.) H.R. 2954, Home Mortgage Disclosure Adjustment Act (This bill amends the Home Mortgage Disclosure Act of 1975 to exempt a depository institution from certain records and disclosure requirements related to the itemization of loan data: (1) with respect to closed-end mortgage loans, if the depository institution originated fewer than 500 such loans in each of the two preceding years; and (2) with respect to open-end lines of credit, if the depository institu

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

Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Treasury, Dept of, White House Office

H.R. 1116 Tailor Act of 2017 H.R. 1244 Credit Union Access to Supplemental Capital H.R. 1264 Community Financial Institutions Exemption Act H.R. 1426 Federal Savings Association Charter Flexibility Act H.R. 1948 Small Bank Holding Company Relief Act H.R. 1964 Community Mortgage Lender Regulatory Act of 2017 H.R. 2133 CLEAR Relief Act H.R. 2148 Clarifying Commercial Real Estate Loans, treatment of loans under regulatory capital rules H.R. 2215 SAFE Act of 2017 H.R. 2226 The Portfolio Lending and Mortgage Access Act H.R. 2319 Consumer Financial Choice and Capital Markets Protection Act of 2017 H.R. 2570 Mortgage Fairness 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. 2954 Home Mortgage Disclosure Adjustment Act H.R. 3221 Securing Access to Affordable Mortgages Act H.R. 3299 Protecting Consumers Access to Credit Act H.R. 3971 Community Institution Mortgage Relief Act H.R. 3978 TRID Improvement Act H.R. 4545 The Financial Institutions Examination Fairness and Reform Act H.R. 4015 The Corporate Governance Reform and Transparency Act H.R. 4562 Community Bank Access to Capital Act of 2017 H.R. 4607 Comprehensive Regulatory Review Act H.R. 4648 Home Mortgage Reporting Relief Act H.R. 4771 Small Bank Holding Company Relief Act of 2018 H.R. 4790 The Volcker Rule Regulatory Harmonization Act H.R. 5155 John S. McCain National Defense Authorization Act for Fiscal Year 2019 - The Russell Amendment (Military Banking) H.R. 5534 Give Useful Information to Define Effective (GUIDE) Compliance Act H.R. 5756 SEC Shareholder Reforms H.R. 5783 Cooperate with Law Enforcement Agencies and Watch Act S. 366 Tailor Act of 2017 S. 567 Federal Savings Association Charter Flexibility Act of 2017 S. 1002 CLEAR Relief Act S. 1152 SAFE Banking Act S. 1284 Small Bank Holding Company Relief Act S. 1310 Home Mortgage Disclosure Adjustment Act S. 1315 Relationship Lending Preservation Act of 2017 S. 1499 A bill to increase from $10B to $50B the threshold figure at which regulated depository institutions are subject to direct examination and reporting requirements of the Bureau of Consumer Financial Protection, and for other purposes. S. 1571 National Flood Insurance Program Reauthorization Act of 2017 S. 2155 Economic Growth Regulatory Relief and Consumer Protection Act Administration's Rescission Package--Funding for CDFI Fund Programs (Bank Enterprise Award and Capital Magnet Fund) S. 2361 Housing Opportunity Mortgage Expansion Act S. 2755 Postal Banking Act S. 2987 2019 National Defense Authorization Act S.J. Res 57 A joint resolution 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 "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act Bank Secrecy Act/Anti-Money Laundering Rules/Legislation, including Beneficial Ownership Issue Bank Secrecy Act Reforms Call Report Streamlining Cannabis Banking Capital Access for Community Banks Capital Rules--Basel III, including treatment of commercial real estate loans, Small Bank Holding Company Policy Statement asset threshold and impact of tax reform on deferred tax assets/regulatory capital CFPB Data Aggregation CFPB Data Collection CFPB Overdraft CFPB Reforms/Governance Structure CFPB Small Business Loan Data Collection Community Reinvestment Act Credit Union Business Lending Powers Credit Union Field of Membership Rules Credit Union Supplemental Capital Customer Due Diligence Rule Cybersecurity - Information Sharing Data Security and Breaches De Novo Bank Applications Durbin Interchange Amendment Economic Growth, Regulatory Relief and Consumer Protection Act Implementation Equifax Data Breach Faster Payments Flood Insurance Reauthorization Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Industrial Loan Corporation Loophole/Exemption from Bank Holding Company Act/Square Financial Services Inc (ILC) deposit insurance application Innovation Initiative (FinTech) Interchange Mortgage Lending Regulations/Reform Mortgage Servicing Regulations Postal Banking Public Banking Qualified Mortgages, Ability to Repay Rules Regulatory Burden Relief for Community Banks Regulatory and Tax Relief for Community Banks SBA 7(a) Lending Limit Support for the nomination of Jelena McWilliams for FDIC Chairman Support for the nomination of Michelle Bowman for the Federal Reserve Board of Governors Virtual Currency

Client expense: $1,890,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), Treasury, Dept of

H.J.Res.132 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act". S.J.Res.57 - A joint resolution 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 "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act". H.R.4439 - Modernizing Credit Opportunities Act S.2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.R.1116 - TAILOR Act of 2017 H.R.3072 - Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017 H.R.4508 - PROSPER Act H.R.4550 - Practice of Law Technical Clarification Act of 2017 H.R.5082 - Practice of Law Technical Clarification Act of 2018 H.R.3299 - Protecting Consumers' Access to Credit Act of 2017 S.1642 - Protecting Consumers' Access to Credit Act of 2017 H.R.4861 - EQUAL Act of 2018 H.R.3760 - Protecting Consumers from Unreasonable Credit Rates Act of 2017 S.1659 - Protecting Consumers from Unreasonable Credit Rates Act of 2017

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HJRes 111 - CFPB Arbitration Rule HJRes 62 - CFPB Prepaid Rule HJRes 73 - CFPB Prepaid Rule HR 10 - The Financial CHOICE Act of 2017 HR 1116 - Tipton - TAILOR Act HR 1153 - Mortgage Choice Act of 2017 HR 1457 - MOBILE Act of 2017 HR 2133 - CLEARR Act of 2017 HR 2148 - Pittenger - HVCRE clarifications HR 238 - Commodity End-User Relief Act HR 3280 - House FSGG Appropriations 2018 HR 3299 - McHenry - Valid When Made Bill HR 3312 - Luetkemeyer - SIFI Threshold Bill HR 3857 - Wagner - PASS Act (DOL Fiduciary repeal and replace bill) HR 3860 - IRS Tax Transcript Access HR1813 - Border Wall Funding Act of 2017 S. 1002 - CLEAR Act S. 105 - Consumer Financial Protection Board Act of 2017 S. 223 - Senior$afe Act of 2017 S. 366 - TAILOR Act of 2017 SJRes 19 - CFPB Prepaid Rule SJRes 47 - CFPB Arbitration Rule S. 1893 - Bank SIFI Threshold S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.J.Res.122 - Resolution of Disapproval CFPB Payday Lending Rule HR 1 - Tax Cuts and Jobs Act H.R. 2148 - Clarifying Commercial Real Estate Loans S. 2405 - Clarifying Commercial Real Estate Loans S. 2498, the Protecting Children From Identity Theft Act H.R. 5192, the Protecting Children From Identity Theft Act H.R. 5266 - CFPB Commission HR 3354 / HR 238 - Interaffilite Swap Provisions S. 1642 - Valid When Made S. 1958 - Tax Transcripts S. 2854 - The MOBILE Act HR 6068 - BSA/AML Reform HR 4790 - Volcker Harmonization S. 2098 - FIRRMA HR 6258 / S. 3107 - FSGG Appropriations 2019 (swaps & Volcker issues) H.R.5961 Agriculture Appropriations Act, 2019 HR 6158 - Brokered Deposits

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

Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

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

Client expense: $873,696 · Firm income: Not reported

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

H.R. 10, Financial CHOICE Act of 2017 H.R. 21/S. 34, Midnight Rules Relief Act of 2017 H.R. 78, SEC Regulatory Accountability Act H.R. 79/S. 588, Helping Angels Lead Our Startups (HALOS) Act H.R. 238, Commodity End-User Relief Act H.R. 477, Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2017 H.R. 1116, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 H.R. 1153, Mortgage Choice Act of 2017 H.R. 1219/S. 444, Supporting America's Innovators Act of 2017 H.R. 1257, Securities and Exchange Commission Overpayment Credit Act H.R. 1312/S. 416, Small Business Capital Formation Enhancement Act H.R. 1343, Encouraging Employee Ownership Act of 2017 H.R. 1457, Making Online Banking Initiation Legal and Easy (MOBILE) Act of 2017 H.R. 1585, Fair Investment Opportunities for Professional Experts Act H.R. 1611, Gender Diversity in Corporate Leadership Act of 2017 H.R. 1645/S. 2126, Fostering Innovation Act of 2017 H.R. 1702, Small Business Development Centers Improvement Act of 2018 H.R. 2201, Micro Offering Safe Harbor Act H.R. 2226/S. 2013, Portfolio Lending and Mortgage Access Act H.R. 2396, Privacy Notification Technical Clarification Act H.R. 2553, Taking Account of Bureaucrats Spending (TABS) Act of 2017 H.R. 2706, Financial Institution Customer Protection Act of 2017 H.R. 3089, Corporate Transparency Act of 2017 H.R. 3093, Investor Clarity and Bank Parity Act H.R. 3110, Financial Stability Oversight Council Insurance Member Continuity Act H.R. 3179, Transparency and Accountability for Business Standards Act H.R. 3299, Protecting Consumers' Access to Credit Act of 2017 H.R. 3312/S. 1893, Systemic Risk Designation Improvement Act of 2017 H.R. 3746/S. 2702, Business of Insurance Regulatory Reform Act of 2017 H.R. 3762, International Insurance Standards Act of 2017 H.R. 3857, Protecting Advice for Small Savers (PASS) Act of 2017 H.R. 3860, IRS Data Verification Modernization Act of 2017 H.R. 3903/S. 2347, Encouraging Public Offerings Act of 2017 H.R. 3911, Risk-Based Credit Examination Act H.R. 3948, Protection of Source Code Act H.R. 3972, Family Office Technical Correction Act of 2017 H.R. 3973, Market Data Protection Act of 2017 H.R. 3978, TRID Improvement Act of 2017 H.R. 4015, Corporate Governance Reform and Transparency Act of 2017 H.R. 4028/S. 1982, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology (PROTECT) Act of 2017 H.R. 4061, Financial Stability Oversight Council Improvement Act of 2017 H.R. 4248, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to conflict minerals, and for other purposes H.R. 4263, Regulation A+ Improvement Act of 2017 H.R. 4267, Small Business Credit Availability Act H.R. 4279, Expanding Investment Opportunities Act H.R. 4281/S. 2953, Expanding Access to Capital for Rural Job Creators Act H.R. 4289, To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal certain disclosure requirements related to coal and mine safety H.R. 4292, Financial Institution Living Will Improvement Act of 2017 H.R. 4293, Stress Test Improvement Act of 2017 H.R. 4294, Prevention of Private Information Dissemination Act of 2017 H.R. 4296, To place requirements on operational risk capital requirements for banking organizations established by an appropriate Federal banking agency H.R. 4311, Foreign Investment Risk Review Modernization Act of 2017 H.R. 4519, To amend the Securities Exchange Act of 1934 to repeal certain disclosure requirements related to resource extraction, and for other purposes H.R. 4529, Accelerating Access to Capital Act of 2017 H.R. 4537, International Insurance Standards Act of 2017 H.R. 4545, Financial Institutions Examination Fairness and Reform Act H.R. 4550, Practice of Law Technical Clarification Act of 2017 H.R. 4566, Alleviating Stress Test Burdens to Help Investors Act H.R. 4607, Comprehensive Regulatory Review Act H.R. 4659, To require the appropriate Federal banking agencies to recognize the exposure-reducing nature of client margin for cleared derivatives H.R. 4771, Small Bank Holding Company Relief Act of 2018 H.R. 4790, Volcker Rule Regulatory Harmonization Act H.R. 4861, Ensuring Quality Unbiased Access to Loans (EQUAL) Act of 2018 H.R. 5051, Public Company Registration Threshold Act H.R. 5054, Small Company Disclosure Simplification Act of 2018 H.R. 5059, State Insurance Regulation Preservation Act H.R. 5105/S. 2436, Better Utilization of Investments Leading to Development (BUILD) Act of 2018 H.R. 5192/S. 2498, Protecting Children from Identity Theft Act H.R. 5266, Financial Product Safety Commission Act of 2018 H.R. 5323, Derivatives Fairness Act H.R. 5645, Standard Merger and Acquisition Reviews Through Equal Rules Act of 2018 H.R. 5749, Options Markets Stability Act H.R. 5756, To require the Securities and Exchange Commission to adjust certain resubmission thresholds for shareholder proposals H.R. 5783, Cooperate with Law Enforcement Agencies and Watch Act of 2018 H.R. 5877, Main Street Growth Act H.R. 5970, Simplifying Disclosures for Investors Act H.R. 5999, Streamlining Communications for Investors Act H.R. 6035, Streamlining Communications for Investors Act H.R. 6068, Counter Terrorism and Illicit Finance Act H.R. 6130, Helping Startups Continue to Grow Act H.R. 6139, Improving Investment Research for Small and Emerging Issuers Act S. 327, Fair Access to Investment Research Act of 2017 S. 366, Taking Account of Institutions with Low Operation Risk (TAILOR) Act of 2017 S. 462, Securities and Exchange Commission Overpayment Credit Act S. 488, Encouraging Employee Ownership Act S. 536, Cybersecurity Disclosure Act of 2017 S. 1117, Consumer Financial Choice and Capital Markets Protection Act of 2017 S. 1241, Combating Money Laundering, Terrorist Financing, and Counterfeiting Act of 2017 S. 1284, Community Bank Relief Act S. 1454, True Incorporation Transparency for Law Enforcement (TITLE) Act S. 1463, Financial Stability Oversight Council Insurance Member Continuity Act S. 1717, Corporate Transparency Act of 2017 S. 1744, Brokaw Act S. 2098, Foreign Investment Risk Review Modernization Act of 2017 S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2282, Bankruptcy Venue Reform Act of 2018 S. 2499, A bill to require the Financial Industry Regulatory Authority to establish a relief fund to provide investors with the full value of unpaid arbitration awards issued against brokerage firms or brokers regulated by the Authority S. 2756, Fair Investment Opportunities for Professional Experts Act S. 2765, RBIC Advisers Relief Act of 2018 S. 3004, Small Business Audit Correction Act of 2018 S. J. Res. 57, A joint resolution 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 "Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act" Draft legislation titled Credit Services Protection Act of 2017 Draft legislation titled Counter Terrorism and Illicit Finance Act Draft legislation titled Data Acquisition and Technology Accountability and Security Act Draft legislation directing the Securities and Exchange Commission to increase and align the smaller reporting company and nonaccelerated filer financial thresholds Draft legislation to remove the limitation on large accelerated filers qualifying as an emerging growth company Draft legislation to require the Securities and Exchange Commission to revise the definition of a qualifying portfolio company to include an emerging growth company, for purposes of the exemption from registration for venture capital fund advisers under the Investment Advisers Act of 1940 Draft legislation to amend the Investment Company Act of 1940 to increase the percentage of voting shares a diversified company may hold in a single issuer Potential legislation similar to H.R. 1090, Retail Investor Protection Act (114th Cong.) Potential legislation similar to H.R. 4294, Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act of 2015 Final regulation on definition of the term "fiduciary"; conflict of interest rule--retirement investment advice (81 Fed. Reg. 20,945-21,002, April 8, 2016) Proposed regulations on universal proxy (81 Fed. Reg. 79,122-79,186, November 10, 2016) Joint advance notice of proposed rulemaking on enhanced cyber risk management standards (81 Fed. Reg. 74,315-74,326, October 26, 2016) Proposed rule on regulations Q and Y; risk-based capital and other regulatory requirements for activities of financial holding companies related to physical commodities and risk-based capital requirements for merchant banking investments (81 Fed. Reg. 67,220-67,239, September 30, 2016) Proposed regulation on Regulation Best Interest (83 Fed. Reg. 21,574-21,682, May 9, 2018) Proposed Commission interpretation regarding standard of conduct for investment advisers; request for comment on enhancing investment (83 Fed. Reg. 21,203-21,214, May 9, 2018) Proposed rule on form CRS relationship summary; amendments to form ADV; required disclosures in retail communications and restrictions on the use of certain names or titles (83 Fed. Reg. 21,416-21,575, May 9, 2018) Request for Information Regarding Bureau Civil Investigative Demands and Associated Processes (83 Fed. Reg. 3,686-3,687, January 26, 2018) Request for Information Regarding Bureau Rules and Practices for Adjudication Proceedings (83 Fed. Reg. 5,055-5,056, February 5, 2018) Request for Information Regarding Bureau Enforcement Processes (83 Fed. Reg. 5,999-6,000, February 12, 2018) Request for Information Regarding Bureau External Engagements (83 Fed. Reg. 8,247-8,249, February 26, 2018) Request for Information Regarding Bureau Public Reporting Practices of Consumer Complaint Information (83 Fed. Reg. 9,499-9,501, March 6, 2018) Request for Information Regarding Bureau Rulemaking Processes (83 Fed. Reg. 10,437-10,440, March 9, 2018) Request for Information Regarding the Bureaus Adopted Regulations and New Rulemaking Authorities (83 Fed. Reg. 12,286-12,289, March 21, 2018) Request for Information Regarding the Bureaus Inherited Regulations and Inherited Rulemaking Authorities (83 Fed. Reg. 12,881-12,883, March 26, 2018) Request for Information Regarding the Bureaus Supervision Program (83 Fed. Reg. 7,166-7,168, February 20, 2018) Federal Reserve and the Office of the Comptroller of the Currency; Joint Notice of Proposed Rulemaking: Regulatory Capital Rules: Regulatory Capital, Enhanced Supplementary Leverage Ratio Standards for U.S. Global Systemically Important Bank Holding Companies and Certain of Their Subsidiary Insured Depository Institutions; Total Loss-Absorbing Capacity Requirements for U.S. Global Systemically Important Bank Holding Companies; Federal Reserve System Docket No. R-1604 and OCC Docket ID OCC-2018-0002 Nomination of Governor Jerome Powell to serve as Chairman of the Board of Governors of the Federal Reserve System Nomination of Jelena McWilliams to be Chair of the Federal Deposit Insurance Corporation Various issues relating to the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (P.L. 111-203); implementation of the Jumpstart Our Business Startups Act (P.L. 112-106); Executive Order 13772, Core Principles for Regulating the United States Financial System; Presidential Memorandum for the Secretary of the Treasury regarding Orderly Liquidation Authority; Basel III capital standards, bank capital, and liquidity reform; Consumer Financial Protection Bureau (CFPB) transparency and accountability; CFPB consumer complaint database; CFPB reform; anti-money laundering and Bank Secrecy Act (P.L. 91-508) improvements; Notice of Stakeholder Consultations on Responsible Conflict Mineral Sourcing; Financial Industry Regulatory Authority (FINRA) engagement initiative; political spending disclosures; systemic risk regulation and Financial Stability Oversight Council (FSOC) designation of non-bank financial companies; Financial Stability Oversight Council (FSOC) reform; Department of Treasury review of FSOC determination and designation process; Federal Reserve: Enhanced Disclosure of the Models Used in the Federal Reserves Supervisory Stress Test, Docket No. OP-1586; Stress Testing Policy Statement, Docket No. OP-1587; Policy Statement on the Scenario Design Framework for Stress Testing, Docket No. OP-1588; Office of Financial Research transparency and accountability; reform of international standard setting bodies including Financial Stability Board, International Association of Insurance Supervisors and Basel Committee on Banking Supervision; Federal Reserve reform; Federal Reserve proposed guidance on supervisory expectation for boards of directors 2017-16735; proxy voting systems; Security Exchange Commission conflict mineral rule; Security Exchange Commission pay ratio rule; Security Exchange Commission Advisory Committee on Small and Emerging Companies; Security Exchange Commission request for information regarding standards of conduct for investment advisors and broker-dealers; Security Exchange Commission staff legal bulletin 141 (CF) shareholder proposals; Security Exchange Commission FAST Act (P.L. 114-94) modernization and simplification of regulations S-K file no. S7-08-17; disclosure requirements and materiality; JOBS Act 3.0; potential legislation to create legal framework for venture exchange; credit bureau issues; tailoring bank rules to reduce the burden on small, midsize, and regional banks; beneficial ownership; reforms to the Committee on Foreign Investment in the United States; modernization of the Community Reinvestment Act (P.L. 95-128); application of Customer Identification Program requirements under anti-money laundering rules to bank-affiliated premium finance companies; application of the May 2016 Customer Due Diligence Rule to routine cash refunds issued by bank-affiliated premium finance companies; proposals to audit the Board of Governors of the Federal Reserve System; small business lending; consolidated asset thresholds related to the Advanced Approaches capital framework, the net stable fund ratio rule, and the liquidity coverage ratio rule; impact of prudential regulations on lending to small businesses by depository institutions; testimony by the Vice Chairman for Supervision, Federal Reserve Board, to the House Committee on Financial Services and the Senate Committee on Banking, Housing, and Urban Affairs; blockchain and fintech

Client expense: $15,190,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Energy Regulatory Commission (FERC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Natl Telecommunications & Information Administration (NTIA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Trade Representative (USTR), Vice President of the U.S., White House Office

Preserving the credit union tax exemption; Repeal of the Durbin Amendment on debit interchange; Regulatory relief for credit unions; Credit union exemptions from the CFPB; Reforms to the structure of the CFPB and its powers; data and cyber security - creation of a national data security standard; Housing Finance Reform - ensuring that credit unions have unfettered access to the secondary mortgage market based on loan quality rather than quantity; Member Business Lending - raise the arbitrary cap, raise the de minimis exclusion; exempt loans to veterans from the definition of MBL, and exclude non-owner occupied, 1-4-family dwellings from the calculation of the cap on credit union member business loans (H.R. 389/S. 836); Capital Access for Small Businesses and Jobs Act (H.R. 1244); TRID Improvement Act (H.R. 5078/S. 2490); Bank Secrecy Act amendments; FCC Oversight; Patent Reform - provide relief from practices of patent trolls; NFIP - National flood insurance program reauthorization; The REINS Act (H.R. 26/S. 21); Regulatory Flexibility Act; Improve or require agency regulatory guidance; Financial CHOICE Act (H.R. 10); Community Financial Institution Exemption Act (H.R. 1264); Financial Services for the Underserved Act (H.R. 4665); Senior$afe Act (H.R. 3758/S. 223); Community Mortgage Lender Regulatory Act of 2017 (H.R. 1964); Securing Access to Affordable Mortgage Act of 2017 (H.R. 3221); Greater pre-emption authority for the NCUA; Mortgage Choice Act (H.R. 1153); Preserving Access to Manufactured Housing Act (H.R.1699/S. 1751); Consumer Financial Protection Board Act 2017 (S. 105); Financial Product Safety Commission Act of 2018 (H.R. 5266); TAILOR Act (H.R. 1116/S.366); CFPB Accountability Act of 2017 or the TABS Act of 2017 (H.R. 2553/S.387); Subject CFPB to Congressional appropriations process; Financial Institutions Examination Fairness and Reform Act (H.R. 4545/S. 2237); Expanding SBA business loan programs; Financial Institution Customer Protection Act (H.R. 2706); Financial services and general government appropriations bill; Home Mortgage Disclosure Adjustment Act (H.R. 2954/S. 1310); Home Mortgage Reporting Relief Act of 2017 (H.R. 4648); QM safe harbor for portfolio loans; Portfolio Lending and Mortgage Access Act (H.R. 2226/S. 2013); the Community Lending Enhancement and Regulatory Relief Act (H.R. 2133/S.1002); Common Sense Credit Union Capital Relief Act of 2017 (H.R. 4464); Common Sense Credit Union Capital Relief Act of 2018 (H.R. 5288); Credit Score Competition Act (H.R. 898/S. 1685); Community Institution Mortgage Relief Act of 2017 (H.R. 3971); Small Business 7(a) Lending Oversight Reform Act (H.R. 4743/S.2283); Business of Insurance Regulatory Reform Act of 2017 (H.R. 3746); Subject non-depository GLBA institutions to regular examinations; require credit reporting agencies to notify depository institutions when one of their accounts is breached; Protecting Americans from Credit Entanglements Act (H.R. 1958/S.838); Making Online Banking Initiation Legal and Easy Act of 2017 (H.R. 1457); Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155); Securing Access to Affordable Mortgages Act (H.R. 3221); Protecting Consumers' Access to Credit Act of 2017 (H.R. 3299); H.R. 4296 - related to operational risk capital requirements; Lawsuit abuse related to website access requirements under the Americans with Disabilities Act; the ADA Education and Reform Act of 2017 (H.R. 620); CFPB Examination and Reporting Threshold Act (H.R. 3072). NCUA - Voluntary mergers; reforms to credit union capital requirements; supplemental capital for credit unions; FOM improvements; FCU interest rate cap; asset securitization authority for credit unions; Call report modernization; NCUSIF issues including NOL ratio and equity distribution; short-term small dollar lending; de novo charter process, approvals, and flexibility; consistent examination expectations; Issuance of clear UDAAP expectations; Exam appeals process; Codify IRPS; Bylaws ANPR; Capital Planning and Supervisory Stress Testing; Accuracy of Advertising; support for NCUA Regulatory Reform Agenda; Extend examination cycle for low-risk, well-run credit unions greater than $1 billion in assets; CFPB - Use of Section 1022 exemption authority; rulemakings related to debt collection, overdraft, qualified mortgage, ATR, mortgage servicing, consumer complaint database, Home Mortgage Disclosure Act (HMDA) requirements and reporting thresholds, implementation and examination, prepaid accounts; Section 1071 small business data collection; remittances rule and review; Truth in Lending Act/Real Estate Settlement Procedures Act (TILA/RESPA); free access to credit scores for consumers; Amendments to TILA/RESPA Integrated Disclosure Rule (TRID); Dept. of Treasury - Executive Order implementation, streamlining CDFI certifications, CDFI funding; cybersecurity interagency coordination; Regulation of FinTech companies; Do not subject credit unions to the Community Reinvestment Act (CRA); FCC - TCPA reform and requirements, interpretations, and litigation, fighting robocalls; FHFA - chattel loans/duty to serve; GSEs use of alternative credit scores; Credit Risk Transfer transactions; implementation of the Common Securitization Platform (CSP) and Single Security; FHLB Capital Requirements; FHLB role in mortgage market; SBA - Expanding CU participation in SBA lending; Dept. of Defense - Military Lending Act (MLA) Final Rule changes, guidance and implementation; IRS - guidance related to the tax reform bill, including executive compensation excise tax; Dept. of Labor - Revocation of Fiduciary Duty rule and Overtime rule; Dept. of Justice - ADA standards and guidance related to website accessibility; FTC - frivolous demand letters in violation of the Federal Trade Commission Act; FinCEN - Burden related to Suspicious Activities Reports (SARs) required under the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules, raising the required SAR reporting threshold; combating financial crimes; Federal Reserve - Regulation CC; acceptance of electronically signed loans as pledged collateral; role in payments system; NIST - framework for Improving Critical Infrastructure Cybersecurity; Dept. of VA - Allowable Charges and Fees Assessed Incident to VA-Guaranteed Home Loans; FFIEC - evolution of the Cybersecurity Assessment Tool (CAT); FASB - CECL Accounting Standard implementation; Involuntary Liquidation of FCUs and Claims Procedures; Modernizing data collection for supervision of credit unions; FHFA's Affordable Housing Program; suggested IRS oversight of credit unions; FinCEN's Customer Due Diligence Rule; CFPB Civil Investigative Demands and Associated processes; CFPB's Rules of Practice for Adjudication Proceedings; Collection of Checks and other items by Federal Reserve Banks and Funds Transfers Through Fedwire; CFPB's Enforcement Processes; Federal Credit Union Bylaws; CFPB's Supervision Program; Proposed Suspension and Debarment Procedures; FY'19 FSGG Appropriations Bill; CFPB's RFI regarding external engagements; Regulatory Review; CFPB's Rulemaking Processes; the Give Useful Information to Define Effective Compliance Act (H.R. 5534); the Counter Terrorism and Illicit Finance Act (H.R. 6068); Regulatory Changes in Light of S. 2155; CFPB's Adopted Regulations and New Rulemakings Authorities; Volker Rule; Feedback regarding operating vision for the US Faster Payments Council; CFPB's Inherited Regulations and Inherited Rulemaking Authorities; Title VII of H.R. 5841.

Client expense: $550,000 · Firm income: Not reported

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

Preserving the credit union tax exemption; Repeal of the Durbin Amendment on debit interchange; Regulatory relief for credit unions; Credit union exemptions from the CFPB; Reforms to the structure of the CFPB and its powers; data and cyber security - creation of a national data security standard; Housing Finance Reform - ensuring that credit unions have unfettered access to the secondary mortgage market based on loan quality rather than quantity; Member Business Lending - raise the arbitrary cap, raise the de minimis exclusion; exempt loans to veterans from the definition of MBL, and exclude non-owner occupied, 1-4-family dwellings from the calculation of the cap on credit union member business loans (H.R. 389/S. 836); Capital Access for Small Businesses and Jobs Act (H.R. 1244); TRID Improvement Act (H.R. 5078/S. 2490); Bank Secrecy Act amendments; FCC Oversight; Patent Reform - provide relief from practices of patent trolls; NFIP - National flood insurance program reauthorization; The REINS Act (H.R. 26/S. 21); Regulatory Flexibility Act; Improve or require agency regulatory guidance; Financial CHOICE Act (H.R. 10); Community Financial Institution Exemption Act (H.R. 1264); Financial Services for the Underserved Act (H.R. 4665); Senior$afe Act (H.R. 3758/S. 223); Community Mortgage Lender Regulatory Act of 2017 (H.R. 1964); Securing Access to Affordable Mortgage Act of 2017 (H.R. 3221); Greater pre-emption authority for the NCUA; Mortgage Choice Act (H.R. 1153); Preserving Access to Manufactured Housing Act (H.R.1699/S. 1751); Consumer Financial Protection Board Act 2017 (S. 105); Financial Product Safety Commission Act of 2018 (H.R. 5266); TAILOR Act (H.R. 1116/S.366); CFPB Accountability Act of 2017 or the TABS Act of 2017 (H.R. 2553/S.387); Subject CFPB to Congressional appropriations process; Financial Institutions Examination Fairness and Reform Act (H.R. 4545/S. 2237); Expanding SBA business loan programs; Financial Institution Customer Protection Act (H.R. 2706); Financial services and general government appropriations bill; Home Mortgage Disclosure Adjustment Act (H.R. 2954/S. 1310); Home Mortgage Reporting Relief Act of 2017 (H.R. 4648); QM safe harbor for portfolio loans; Portfolio Lending and Mortgage Access Act (H.R. 2226/S. 2013); the Community Lending Enhancement and Regulatory Relief Act (H.R. 2133/S.1002); Common Sense Credit Union Capital Relief Act of 2017 (H.R. 4464); Common Sense Credit Union Capital Relief Act of 2018 (H.R. 5288); Credit Score Competition Act (H.R. 898/S. 1685); Community Institution Mortgage Relief Act of 2017 (H.R. 3971); Small Business 7(a) Lending Oversight Reform Act (H.R. 4743/S.2283); Business of Insurance Regulatory Reform Act of 2017 (H.R. 3746); Subject non-depository GLBA institutions to regular examinations; require credit reporting agencies to notify depository institutions when one of their accounts is breached; Protecting Americans from Credit Entanglements Act (H.R. 1958/S.838); Making Online Banking Initiation Legal and Easy Act of 2017 (H.R. 1457); Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155); Securing Access to Affordable Mortgages Act (H.R. 3221); Protecting Consumers' Access to Credit Act of 2017 (H.R. 3299); H.R. 4296 - related to operational risk capital requirements; Lawsuit abuse related to website access requirements under the Americans with Disabilities Act; the ADA Education and Reform Act of 2017 (H.R. 620); CFPB Examination and Reporting Threshold Act (H.R. 3072). NCUA - Voluntary mergers; reforms to credit union capital requirements; supplemental capital for credit unions; FOM improvements; FCU interest rate cap; asset securitization authority for credit unions; Call report modernization; NCUSIF issues including NOL ratio and equity distribution; short-term small dollar lending; de novo charter process, approvals, and flexibility; consistent examination expectations; Issuance of clear UDAAP expectations; Exam appeals process; Codify IRPS; Bylaws ANPR; Capital Planning and Supervisory Stress Testing; Accuracy of Advertising; support for NCUA Regulatory Reform Agenda; Extend examination cycle for low-risk, well-run credit unions greater than $1 billion in assets; CFPB - Use of Section 1022 exemption authority; rulemakings related to debt collection, overdraft, qualified mortgage, ATR, mortgage servicing, consumer complaint database, Home Mortgage Disclosure Act (HMDA) requirements and reporting thresholds, implementation and examination, prepaid accounts; Section 1071 small business data collection; remittances rule and review; Truth in Lending Act/Real Estate Settlement Procedures Act (TILA/RESPA); free access to credit scores for consumers; Amendments to TILA/RESPA Integrated Disclosure Rule (TRID); Dept. of Treasury - Executive Order implementation, streamlining CDFI certifications, CDFI funding; cybersecurity interagency coordination; Regulation of FinTech companies; Do not subject credit unions to the Community Reinvestment Act (CRA); FCC - TCPA reform and requirements, interpretations, and litigation, fighting robocalls; FHFA - chattel loans/duty to serve; GSEs use of alternative credit scores; Credit Risk Transfer transactions; implementation of the Common Securitization Platform (CSP) and Single Security; FHLB Capital Requirements; FHLB role in mortgage market; SBA - Expanding CU participation in SBA lending; Dept. of Defense - Military Lending Act (MLA) Final Rule changes, guidance and implementation; IRS - guidance related to the tax reform bill, including executive compensation excise tax; Dept. of Labor - Revocation of Fiduciary Duty rule and Overtime rule; Dept. of Justice - ADA standards and guidance related to website accessibility; FTC - frivolous demand letters in violation of the Federal Trade Commission Act; FinCEN - Burden related to Suspicious Activities Reports (SARs) required under the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules, raising the required SAR reporting threshold; combating financial crimes; Federal Reserve - Regulation CC; acceptance of electronically signed loans as pledged collateral; role in payments system; NIST - framework for Improving Critical Infrastructure Cybersecurity; Dept. of VA - Allowable Charges and Fees Assessed Incident to VA-Guaranteed Home Loans; FFIEC - evolution of the Cybersecurity Assessment Tool (CAT); FASB - CECL Accounting Standard implementation; Involuntary Liquidation of FCUs and Claims Procedures; Modernizing data collection for supervision of credit unions; FHFA's Affordable Housing Program; suggested IRS oversight of credit unions; FinCEN's Customer Due Diligence Rule; CFPB Civil Investigative Demands and Associated processes; CFPB's Rules of Practice for Adjudication Proceedings; Collection of Checks and other items by Federal Reserve Banks and Funds Transfers Through Fedwire; CFPB's Enforcement Processes; Federal Credit Union Bylaws; CFPB's Supervision Program; Proposed Suspension and Debarment Procedures; FY'19 FSGG Appropriations Bill; CFPB's RFI regarding external engagements; Regulatory Review; CFPB's Rulemaking Processes; the Give Useful Information to Define Effective Compliance Act (H.R. 5534); the Counter Terrorism and Illicit Finance Act (H.R. 6068); Regulatory Changes in Light of S. 2155; CFPB's Adopted Regulations and New Rulemakings Authorities; Volker Rule; Feedback regarding operating vision for the US Faster Payments Council; CFPB's Inherited Regulations and Inherited Rulemaking Authorities; Title VII of H.R. 5841.

Client expense: $550,000 · Firm income: Not reported

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

Issues related to banking regulatory reform: HR 3312 - Systemic Risk Designation Improvement Act of 2017 HR 10 - Financial CHOICE Act of 2017 HR 1116 - Tailor Act of 2017 HR 5192 & S 2498 - Protecting Children from Identity Theft Act HR 6068 - Counter Terrorism & Illicit Finance Act S 366 - Tailor Act of 2017 S 1893 - Systemic Risk Designation Improvement Act of 2017 S 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act S 2755 - Postal Banking Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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 TAILOR Act (HR 1116); Financial Choice Act(HR 10) and amendments; Durbin Amendment; Portfolio Lending and Mortgage Access Act; Federal Savings Association Charter Flexibility Act (HR 1426); credit union issues; Tax Reform and Jobs Act; Senate regulatory relief bill (S.2155)

Client expense: $65,000 · 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)

HR 4545- Financial Institutions Examination Fairness and Reform Act HR 1116- Financial Institutions Regulatory Risk HR 4296- Banking Organization Risk S 2155- Economic Growth, Regulatory Relief, and Consumer Protection Act Debt Relief for Puerto Rico and Territories Financial reform consumer protections, including Payday loans; Consumer Financial Protection Bureau (CFPB) Fiduciary Rule Corporate Disclosure of Climate Risk Social Impact Partnerships

Client expense: $600,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, State, Dept of (DOS), U.S. Trade Representative (USTR)

Authority of CFPB Bank capital rules Banks stress tests Best interest standard CFPB Office of Fair Lending and Equal Opportunity Dept. of Ed barriers to emergency relief funds Federal Deposit Insurance Corporation policies relating to bank employment Federal Reserve rating system for large financial institutions Financial Technology ("Fintech") Funding of CFPB H.J. Res. 111, regarding the CFPB rule on Mandatory Arbitration H.R. 10, Financial CHOICE Act H.R. 10, the Financial CHOICE Act H.R. 1116, the "Taking Account of Institutions with Low Operation Risk Act of 2017" H.R. 1144, the Inclusive Prosperity Act H.R. 1153, the "Mortgage Choice Act" H.R. 1585, the "Fair Investment Opportunities for Professional Experts Act" H.R. 1645, the "Fostering Innovation Act of 2017" H.R. 1699, the "Preserving Access to Manufactured Housing Act of 2017" H.R. 2121, the "Pension, Endowment, and Mutual Fund Access to Banking Act" H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act H.R. 2148, "Clarifying Commercial Real Estate Loans" H.R. 2201, the "Micro Offering Safe Harbor Act" H.R. 2295, the Carried Interest Fairness Act of 2017 H.R. 2306, the Putting Main Street FIRST: Finishing Irresponsible Reckless Speculative Trading Act H.R. 2319, The "Consumer Choice and Capital Markets Protection Act" H.R. 2396, the "Privacy Notification Technical Clarification Act" H.R. 2570, the "Mortgage Fairness Act of 2017" H.R. 2585, the 21st Century Glass Steagall Act H.R. 2706, the "Financial Institution Customer Protection Act of 2017" H.R. 2954, the "Home Mortgage Disclosure Adjustment Act" H.R. 3072, the "Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017" H.R. 3179, the "Transparency and Accountability for Business Standards Act" H.R. 3221, the "Securing Access to Affordable Mortgages Act" H.R. 3299, the "Protecting Consumers Access to Credit Act of 2017" H.R. 3312, the "Systemic Risk Designation Improvement Act of 2017" H.R. 3857, the "Protecting Advice for Small Savers Act of 2017" H.R. 3911, the "Risk-Based Credit Examination Act" H.R. 3948, the "Protection of Source Code Act" H.R. 3971, the "Community Institution Mortgage Relief Act of 2017" H.R. 3973, the "Market Data Protection Act of 2017" H.R. 3978, the "TRID Improvement Act" H.R. 399, the Stop Subsidizing Multimillion Dollar Corporate Bonuses Act H.R. 4015, the "Corporate Governance Reform and Transparency Act of 2017" H.R. 4247, the "Restoring Financial Market Freedom Act" H.R. 4263, the "Regulation A+ Improvement Act" H.R. 4267, the "Small Business Credit Availability Act" H.R. 4279, the "Expanding Investment Opportunities Act" H.R. 4292, the "Living Will Improvement Act" H.R. 4293, the "Stress Test Improvement Act" H.R. 4296, "To Place Requirements on Operational Risk Capital Requirements For Banking Organizations" H.R. 4464, the "Common Sense Credit Union Capital Relief Act of 2017" H.R. 4508, the "Promoting Real Opportunity, Success, and Prosperity through Education Reform (PROSPER) Act" H.R. 4529, the "Accelerating Access to Capital Act of 2017" H.R. 4537, the "International Insurance Standards Act of 2017" H.R. 4545, the "Financial Institutions Examination Fairness and Reform Act" H.R. 4546, the "National Securities Exchange Regulatory Parity Act" H.R. 4566, the "Alleviating Stress Test Burdens to Help Investors Act" H.R. 477, the Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2017″ H.R. 790, the Return to Prudent Banking Act of 2017 H.R. 859, the Financial Services Conflict of Interest Act - HR 1116 -- Taking Account of Institutions with Low Operating Risk (TAILOR) Act of 2017 HR 1153 -- Mortgage Choice Act of 2017 HR 1264 -- Community Financial Institution Exemption Act HR 2226 -- Portfolio Lending and Mortgage Access Act HR 2319 -- Consumer Financial Choice and Capital Markets Protection Act of 2017 HR 3312 HR 3746 -- Business of Insurance Regulatory Reform Act of 2017 HR 3978 -- TRID Improvement Act of 2017 HR 4061 -- Financial Stability Oversight Council Improvement Act of 2017 HR 4263 -- Regulation A+ Improvement Act of 2017 HR 4293 -- Stress Test Improvement Act of 2017 HR 4296 -- To place requirements on operational risk capital requirements for banking organizations established by an appropriate Federal banking agency HR 4545 -- Financial Institutions Examination Fairness and Reform Act HR 4550 -- Practice of Law Technical Clarification Act of 2017 HR 4566 -- Alleviating Stress Test Burdens to Help Investors Act HR 4607 -- Comprehensive Regulatory Review Act HR 4659 -- To require the appropriate Federal banking agencies to recognize the exposure-reducing nature of client margin for cleared derivatives HR 4738 -- Mutual Fund Litigation Reform Act HR 4771 -- Small Bank Holding Company Relief Act of 2018 HR 4785 -- American Customer Information Protection Act HR 4790 -- Volcker Rule Regulatory Harmonization Act HR 4861 -- Ensuring Quality Unbiased Access to Loans (EQUAL) Act of 2018 HR 5051 -- Public Company Registration Threshold Act HR 5082 -- Practice of Law Technical Clarification Act of 2018 HR 5323 -- Derivatives Fairness Act Legislation affecting Consumer Financial Protection Bureau staffing Nomination of Joseph Otting to be Comptroller of the Currency Nominations for SEC, CFTC, FDIC Protecting Consumers Access to Credit Act of 2017 (H.R. 3299) S. 1020, the Carried Interest Fairness Act S. 1642 S. 2155 -- Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2155, the "Economic Growth, Regulatory Relief, and Consumer Protection Act" S. 2417 -- the Stopping Abuse & Fraud in Electronic (SAFE) Lending Act S.J. Res. 47 SEC fiduciary rule Sen. Brown Amendment No. 2080 Sen. Moran Amendment No. 2140 Substitute Amendment to S. 2155 Treasury department review of financial regulations Volcker Rule *In accordance with her lobbying and communication restrictions, Kristine Lucius has not lobbied or had contact with any covered officials in the Senate on these issues

Client expense: $292,750 · Firm income: Not reported

Government targets: Bureau of the Census, Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Education, Dept of, Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), 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), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Transportation, Dept of (DOT), Treasury, Dept of

Oppose HR 4550, which would exempt attorneys engaged in a lawsuits from the Fair Debt Collection Act Oppose any riders to Appropriations bill(s) which would place the Consumer Financial Protection Bureau under the appropriations process Oppose the leaked version of a housing finance proposal from U.S. Senators Bob Corker (TN) and Mark Warner (VA) that would severely harm Americas housing market. Our opposition is mainly rooted in the proposals negative impact on access, affordability, and market stability Oppose H.R. 1153-the Mortgage Choice Act of 2018, which creates a loophole that would allow loans with higher costs to the borrower to improperly meet the Qualified Mortgage (QM) standard Support Senator Merkleys Stopping Abuse and Fraud in Electronic Lending (SAFE) Act of 2018, which will help safeguard consumers and law-abiding lenders from abuses rampant today in consumer lending Oppose S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act. The bill de-regulates the financial service industry by repealing several portions of the 2010 Dodd-Frank Wall Street Reform Act Oppose Section 104 of S. 2155, which requires tiered reporting of information under the Home Mortgage Disclosure Act (HMDA) and will result in the exemption of 85% of depositories from the updated reporting required by the Dodd-Frank Wall Street Reform and Consumer Protection Act Support the FDICs proposals to changes to its policies governing the circumstances under which FDIC-regulated banks may hire people with prior criminal histories, with suggestions to improve / strengthen the proposal Support GSE reform that contains language to: Preserve and Enhance Fair Housing and Anti-Discrimination Protections; Provide Broad Access for Borrowers, Institutions and Regions; Preserve the Systems Affordable Housing Mission, and the Availability of Inclusive Loan Products and Services; and protect taxpayers Oppose any bill or amendment which would cut the salaries of employees of the Consumer Financial Protection Bureau (CFPB) Oppose HR 5028, which would exempt attorneys engaged in a lawsuits from the Fair Debt Collection Act. Oppose HR 1116, the TAILOR Act, which imposes hurdles on agencies adopting regulations, and requires them to revisit them, with burdensome requirements that regulations be tailored for different types of institutions, something agencies already take into account. The bill will make it harder to adopt, maintain or defend regulations Oppose HR 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017, will eliminate the CFPB's authority to supervise banks from $10 billion to $50 billion, among the largest 2% of banks in the country Support amendment by Senators Durbin, Reed, Warren, Brown, Duckworth, Baldwin, Hassan, VanHollen, Murry, and Blumenthal to S. 2155. The Durbin, et.al. amendment would improve consumer protections for federal and private student loans Clarify and reiterate that we are opposed to S. 2155 and that we do not have a position on an amendment regarding credit scoring to be offered by Senator Scott (SC) to S. 2155 Oppose HR 5266 or any similar bill or amendment which would turn the leadership of the CFPB from a single director into a commission of 5. Oppose mandatory arbitration clauses for investors; support the SEC protecting investors rights to bring securities class action lawsuits Oppose S. J. Res. 57, which disapproves of a CFPB guidance aimed at restricting discrimination in auto lending Support a national cap on interest rates and fees at 36% to eliminate high-cost loans (support HR 3760 / S 1659) Support the amendment offered by Senator Cortez Masto (NV) to S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act to strike section 104 of the legislation. Section 104 is the section which would exempt 85% of depository institutions from full reporting of loan data under the Home Mortgage Disclosure Act (HMDA) Oppose S. 2155, because it does irreparable damage to fair lending protections against racial discrimination; it harms homebuyers; and it contains over two deregulatory provisions of the financial services industry that were put into place after the 2008 global crises

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

Government targets: Agriculture, Dept of (USDA), Bureau of the Census, Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Postal Regulatory Commission, SENATE, Securities & Exchange Commission (SEC), Social Security Administration (SSA), State, Dept of (DOS), Treasury, Dept of, White House Office

Oppose HR 4550, which would exempt attorneys engaged in a lawsuits from the Fair Debt Collection Act. Oppose any riders to Appropriations bill(s) which would place the Consumer Financial Protection Bureau under the appropriations process Oppose the leaked version of a housing finance proposal from U.S. Senators Bob Corker (TN) and Mark Warner (VA) that would severely harm Americas housing market. Our opposition is mainly rooted in the proposals negative impact on access, affordability, and market stability Oppose H.R. 1153-the Mortgage Choice Act of 2018, which creates a loophole that would allow loans with higher costs to the borrower to improperly meet the Qualified Mortgage (QM) standard Support Senator Merkleys Stopping Abuse and Fraud in Electronic Lending (SAFE) Act of 2018, which will help safeguard consumers and law-abiding lenders from abuses rampant today in consumer lending Oppose S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act. The bill de-regulates the financial service industry by repealing several portions of the 2010 Dodd-Frank Wall Street Reform Act Oppose Section 104 of S. 2155, which requires tiered reporting of information under the Home Mortgage Disclosure Act (HMDA) and will result in the exemption of 85% of depositories from the updated reporting required by the Dodd-Frank Wall Street Reform and Consumer Protection Act Support the FDICs proposals to changes to its policies governing the circumstances under which FDIC-regulated banks may hire people with prior criminal histories, with suggestions to improve / strengthen the proposal Support GSE reform that contains language to: Preserve and Enhance Fair Housing and Anti-Discrimination Protections; Provide Broad Access for Borrowers, Institutions and Regions; Preserve the Systems Affordable Housing Mission, and the Availability of Inclusive Loan Products and Services; and protect taxpayers Oppose any bill or amendment which would cut the salaries of employees of the Consumer Financial Protection Bureau (CFPB) Oppose HR 5028, which would exempt attorneys engaged in a lawsuits from the Fair Debt Collection Act. Oppose HR 1116, the TAILOR Act, which imposes hurdles on agencies adopting regulations, and requires them to revisit them, with burdensome requirements that regulations be tailored for different types of institutions, something agencies already take into account. The bill will make it harder to adopt, maintain or defend regulations Oppose HR 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017, will eliminate the CFPB's authority to supervise banks from $10 billion to $50 billion, among the largest 2% of banks in the country Support amendment by Senators Durbin, Reed, Warren, Brown, Duckworth, Baldwin, Hassan, VanHollen, Murry, and Blumenthal to S. 2155. The Durbin, et.al. amendment would improve consumer protections for federal and private student loans Clarify and reiterate that we are opposed to S. 2155 and that we do not have a position on an amendment regarding credit scoring to be offered by Senator Scott (SC) to S. 2155 Oppose HR 5266 or any similar bill or amendment which would turn the leadership of the CFPB from a single director into a commission of 5. Oppose mandatory arbitration clauses for investors; support the SEC protecting investors rights to bring securities class action lawsuits. Oppose S. J. Res. 57, which disapproves of a CFPB guidance aimed at restricting discrimination in auto lending. Support a national cap on interest rates and fees at 36% to eliminate high-cost loans (support HR 3760 / S 1659) Support the amendment offered by Senator Cortez Masto (NV) to S. 2155, the Economic Growth, Regulatory Relief, and Consumer Protection Act to strike section 104 of the legislation. Section 104 is the section which would exempt 85% of depository institutions from full reporting of loan data under the Home Mortgage Disclosure Act (HMDA) Oppose S. 2155, because it does irreparable damage to fair lending protections against racial discrimination; it harms homebuyers; and it contains over two deregulatory provisions of the financial services industry that were put into place after the 2008 global crises

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

Government targets: Agriculture, Dept of (USDA), Bureau of the Census, Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Postal Regulatory Commission, SENATE, Securities & Exchange Commission (SEC), Social Security Administration (SSA), State, Dept of (DOS), Treasury, Dept of, White House Office