Financial Institutions Examination Fairness and Reform Act

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. 1244 Credit Union Access to Supplemental Capital H.R. 1264 Community Financial Institutions Exemption Act H.R. 2215 SAFE Act of 2017 H.R. 2226 The Portfolio Lending and Mortgage Access Act H.R. 4545 Financial Institutions Examination Fairness and Reform Act H.R. 5515 Military Banking Provisions of the FY 2019 Defense Bill H.R. 5534 Give Useful Information to Define Effective (GUIDE) Compliance Act H.R. 5756 SEC Shareholder Reforms H.R. 6258 Community bank regulatory relief provisions and the postal banking amendment to the House FY 2019 Financial Services and General Government Appropriations Act H.R. 6743 Consumer Information Notification Act S. 1152 SAFE Banking Act 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 S. 2237 Financial Institutions Examination Fairness and Reform Act S. 2361 Housing Opportunity Mortgage Expansion Act S. 2490 TRID Improvement Act S. 2755 Postal Banking 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 Ability to Repay Rules--Treatment of Property Assessed Clean Energy (PACE) Loans CFPB Data Collection CFPB Small Business Loan Data Collection CFPB Wholistic Review of Operations and Regulations, including investigations, adjudication and enforcement; supervision; rulemaking process and adopted and inherited regulations; consumer complaints; and external engagement Community Reinvestment Act Credit Union Business Lending Powers Credit Union Field of Membership Rules Credit Union Supplemental Capital Current Expected Credit Losses (CECL) Customer Due Diligence Rule Data Security and Breaches De Novo Bank Applications Durbin Interchange Amendment Economic Growth, Regulatory Relief and Consumer Protection Act Implementation Faster Payments Flood Insurance Reauthorization Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Implementation of the Economic Growth, Regulatory Relief and Consumer Protection Act Industrial Loan Corporation Loophole/Exemption from Bank Holding Company Act/Nelnet (ILC) deposit insurance application Innovation Initiative (FinTech) Mortgage Lending Regulations/Reform Mortgage Servicing Regulations Nomination of Michelle Bowman for the Federal Reserve Board of Governors (support) Nomination of Kathleen Kraninger to serve as the director of the Bureau of Consumer Financial Protection (support) Nomination of Justin Muzinich to serve as Deputy secretary of the U.S. Treasury Postal Banking Private Flood Insurance Qualified Mortgages, Ability to Repay Rules Regulatory Burden Relief for Community Banks Regulatory and Tax Relief for Community Banks Small Dollar Lending Virtual Currency

Client expense: $1,050,000 · 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.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

Issues Related to Cyber Security, Data Security & Breach Notification H.R. 6743, Consumer Information Notification Requirement Act Issues Related to Data Acquisition and Technology Accountability and Security Act Issues Related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB S. 105, Consumer Financial Protection Board Act of 2017, H.R. 5266 Financial Product Safety Commission Act of 2018 Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to CFPB Consumer Response Portal Issues related to CFPB Small-dollar Rule Issues related to Dodd-Frank Act, including Section 1071 S. 387, Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 3601, Protecting Consumers from Frivolous Claims Act of 2017 Issues related to the Ability to Repay Rule, Qualified Mortgage Standards Issues related to Underbanked/Unbanked Consumers Issues related to CFPB No-Action Letter and Project Sandbox Proposal H.R. 5534, GUIDE Compliance Act H.R. 2553, TABS Act of 2017 Nomination of Kathy Kraninger, Director BCFP Issues Related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 4508, Promoting Real Opportunity, Success, and Prosperity through Education Reform Act H.R. 4119, The Student Loan Disclosure Modernization Act Issues Related to AML-BSA Reform Issues Related to FinCEN CDD Rule H.R. 6068 Counter Terrorism and Illicit Finance Act Issues Related to Appropriations H.R. 6258 & S. 3107 Financial Services & General Government Appropriations Act, 2019 H.R. 4439, Modernizing Credit Opportunities Act Issues Related to Deposit Advance Products H.R. 4861, EQUAL Act of 2018 Issues Related to the Fair Credit Reporting Act Issues Related to budget reconciliation Issues Related to FY18 budget Issues related to implementation of Public Law No: 115-97, Tax Cuts and Jobs Act. Issues related to S. 2237/H.R. 4545, Financial Institutions Examination Fairness and Reform Act Issues related to H.R. 6158, Brokered Deposit Affiliate-Subsidiary Modernization Act of 2018 Issues Related to the Community Reinvestment Act Issues Related to the Fair Credit Reporting Act H.R. 4028, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 Issues Related to Flood Insurance H.R. 2874, 21st Century Flood Reform Act S. 1571, National Flood Insurance Program Reauthorization Act of 2017 Issues Related to unfair, deceptive, or abusive acts or practices under Dodd-Frank Act Issues related to unfair or deceptive acts or practices under section 5 of the FTC Act Issues related to systemic risk designations Issues related to the Ensuring Quality Unbiased Access to Loans Act H.R. 2706, Financial Institution Customer Protection Act of 2017 Issues related to financial regulatory coordination Issues related to oversight of SBA 7(a) Loan Program Issues related to SBA Programs Commercial Real Estate Appraisal Threshold H.R. 6347/S. 3552, 7(a) Real Estate Appraisal Harmonization Act H.R. 6348/S. 3553, Small Business ACE Act Issues related to H.R. 4452, Right to Lend Act of 2017 Issues related to S. 1642/H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act Issues Related to FinTech Issues related to the E-SIGN Act H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to H.R. 3857, Protecting Advice for Small Savers Act of 2017 Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to FinCEN Due Diligence Rule S.A.F.E. Mortgage Licensing Act - Regulation G Privacy of Consumer Financial Information - Regulation P Truth in Saving - Regulation DD

Client expense: $1,700,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), 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

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

Issues related to the regulation of asset managers. Issues related to the electronic delivery of investor materials H.R.4204 - International Regulated Investment Company Act of 2017 H.R.4566- Alleviating Stress Test Burdens to Help Investor Act H.R. 4263 - Regulation A+ Improvement Act of 2017 H.R. 4545 - Financial Institutions Examination Fairness and Reform Act H.R. 4061 - Financial Stability Oversight Council Improvement Act of 2017

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial Technology ("Fintech") H.R. 10, Financial CHOICE Act H.R. 1153, the "Mortgage Choice Act" H.R. 3072, the "Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017" H.R. 4537, the "International Insurance Standards Act of 2017" H.R. 477, the Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2017″ HR 3746 -- Business of Insurance Regulatory Reform Act of 2017 HR 4439 -- Modernizing Credit Opportunities Act HR 4545 -- Financial Institutions Examination Fairness and Reform Act HR 4566 -- Alleviating Stress Test Burdens to Help Investors Act HR 4607 -- Comprehensive Regulatory Review Act HR 5323 -- Derivatives Fairness Act Nominations for SEC, CFTC, FDIC S. 1020, the Carried Interest Fairness Act S. 2155 -- Economic Growth, Regulatory Relief, and Consumer Protection Act SEC fiduciary rule Substitute Amendment to S. 2155 Treasury department review of financial regulations Brokaw bill HR 5877 -- Main Street Growth Act Small Business Lending Discrimination HR 5534 Give Useful Information to Define Effective Guidance (GUIDE) Act HR 6743 Consumer Information Notification Requirement Act Nomination of Brett Kavanaugh to US Supreme Court Nomination of Eric Dreiband as AAG at DOJ HR 6972 Consumers First Act S 3503 American Housing and Economic Mobility Act H.R.3555 - Exchange Regulatory Improvement Act H.R.6021 - Small Business Audit Correction 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.6322 - Enhancing Multi-Class Stock Disclosures Act H.R.6324 - Middle Market IPO Underwriting Cost Act H.R.6320 - Promoting Transparent Standards for Corporate Insiders Act H.R.6323 - Senior Security Act of 2018 S.488 - JOBS and Investor Confidence Act of 2018 H.R.5059 - State Insurance Regulation Preservation Act H.R.2128 - Due Process Restoration Act of 2017 H.R.6741 - Federal Reserve Reform Act of 2018 H.R.6745 - ACCESS Rural America Act H.R.5381 - GRATER Act of 2018 Interagency rule regarding the implementation of CECL accounting rules Reg BI De minimis exemption is a critical element of the swap dealer rule Whistleblower program Volcker ruke amendments

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

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

H.R. 10, Financial CHOICE Act H.R. 2585, the 21st Century Glass Steagall Act HR 4545 -- Financial Institutions Examination Fairness and Reform Act HR 4566 -- Alleviating Stress Test Burdens to Help Investors Act HR 4607 -- Comprehensive Regulatory Review Act HR 4771 -- Small Bank Holding Company Relief Act of 2018 HR 4790 -- Volcker Rule Regulatory Harmonization Act HR 5323 -- Derivatives Fairness Act Treasury department review of financial regulations H.R.3555 - Exchange Regulatory Improvement Act H.R.6021 - Small Business Audit Correction 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.6322 - Enhancing Multi-Class Stock Disclosures Act H.R.6324 - Middle Market IPO Underwriting Cost Act H.R.6320 - Promoting Transparent Standards for Corporate Insiders Act H.R.6323 - Senior Security Act of 2018 S.488 - JOBS and Investor Confidence Act of 2018 H.R.5059 - State Insurance Regulation Preservation Act H.R.2128 - Due Process Restoration Act of 2017 H.R.6741 - Federal Reserve Reform Act of 2018 H.R.6745 - ACCESS Rural America Act H.R.5381 - GRATER Act of 2018 Interagency rule regarding the implementation of CECL accounting rules Reg BI De minimis exemption is a critical element of the swap dealer rule Whistleblower program Volcker rule amendments

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

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

Issues related to 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)

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

Issues Related to Cyber Security, Data Security & Breach Notification H.R. 6743, Consumer Information Notification Requirement Act Issues Related to Data Acquisition and Technology Accountability and Security Act Issues Related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB S. 105, Consumer Financial Protection Board Act of 2017, H.R. 5266 Financial Product Safety Commission Act of 2018 Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to Implementation of the TILA/RESPA Integrated Disclosures Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to CFPB Consumer Response Portal Issues related to Auto Guidance Issues related to CFPB Small-dollar Rule Issues related to H.R. 10, the Financial Choice Act of 2017 Issues related to Dodd-Frank Act, including Section 1071 S. 387, Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 3601, Protecting Consumers from Frivolous Claims Act of 2017 H.R. 5534, GUIDE Compliance Act H.R. 3625, CFPB-IG Act of 2017 H.R. 2553, TABS Act of 2017 Nomination of Kathy Kraninger, Director BCFP Issues Related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending H.R. 1283/S. 749, Transparency in Student Lending H.R. 1635, Empowering Students Through Enhanced Financial Counseling Act Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 4508, Promoting Real Opportunity, Success, and Prosperity through Education Reform Act H.R. 4119, The Student Loan Disclosure Modernization Act S. 1066, Federal Adjustment in Reporting Student Credit Act Issues Related to AML-BSA Reform Issues Related to FinCEN CDD Rule H.R. 6068 Counter Terrorism and Illicit Finance Act Issues Related to Appropriations H.R. 6258 & S. 3107 Financial Services & General Government Appropriations Act, 2019 H.R. 4439, Modernizing Credit Opportunities Act Issues Related to Deposit Advance Products H.R. 4861, EQUAL Act of 2018 Issues Related to the Fair Credit Reporting Act H.R. 2359 FCRA Liability Harmonization Act Issues Related to budget reconciliation Issues Related to FY18 budget Issues related to implementation of Public Law No: 115-97, Tax Cuts and Jobs Act. Issues related to S. 2237/H.R. 4545, Financial Institutions Examination Fairness and Reform Act Issues related to H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act of 2017 Issues related to H.R. 924, the Financial Institutions Due Process Act of 2017 Issues related to H.R. 2396, the Privacy Notification Technical Clarification Act Issues related to H.R. 4607, Comprehensive Regulatory Review Act Issues related to H.R. 4648, Home Mortgage Reporting Relief Act Issues related to H.R. 6158, Brokered Deposit Affiliate-Subsidiary Modernization Act of 2018 Issues Related to the Community Reinvestment Act Issues Related to the Fair Credit Reporting Act H.R. 4028, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 Issues Related to Flood Insurance H.R. 2874, 21st Century Flood Reform Act S. 1571, National Flood Insurance Program Reauthorization Act of 2017 Issues Related to unfair, deceptive, or abusive acts or practices under Dodd-Frank Act Issues Related to systemic risk designations S. 1893/H.R. 3312, Systemic Risk Designation Improvement Act of 2017 Issues related to the Ensuring Quality Unbiased Access to Loans Act H.R. 2706, Financial Institution Customer Protection Act of 2017 Issues related to financial regulatory coordination Issues related to oversight of SBA 7(a) Loan Program H.R. 4743/S. 2283, Small Business 7(a) Lending Oversight Reform Act of 2018 Issues related to SBA Programs Commercial Real Estate Appraisal Threshold H.R. 6347, 7(a) Real Estate Appraisal Harmonization Act H.R. 6348, Small Business ACE Act Issues related to H.R. 4452, Right to Lend Act of 2017 Issues related to S. 1642/H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act Issues Related to FinTech HR. 1457, the Making Online Banking Initiation Legal and Easy Act of 2017 Issues related to the E-SIGN Act S. 2854 MOBILE Act of 2018 H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to H.R. 3857, Protecting Advice for Small Savers Act of 2017 Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to FinCEN Due Diligence Rule S.A.F.E. Mortgage Licensing Act - Regulation G Privacy of Consumer Financial Information - Regulation P Truth in Saving - Regulation DD

Client expense: $720,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), 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 the regulation of asset managers. Issues related to the electronic delivery of investor materials H.R.4204 - International Regulated Investment Company Act of 2017 H.R.4566- Alleviating Stress Test Burdens to Help Investor Act H.R. 4263 - Regulation A+ Improvement Act of 2017 H.R. 4545 - Financial Institutions Examination Fairness and Reform Act H.R. 4061 - Financial Stability Oversight Council Improvement Act of 2017

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

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

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

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

Issues Related to Cyber Security, Data Security & Breach Notification Issues Related to Data Acquisition and Technology Accountability and Security Act Issues Related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB S. 105, Consumer Financial Protection Board Act of 2017, H.R. 5266 Financial Product Safety Commission Act of 2018 Issues related to the CFPBs rulemaking for prepaid cards Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to Implementation of the TILA/RESPA Integrated Disclosures Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to CFPB Consumer Response Portal Issues related to Auto Guidance Issues related to CFPB Small-dollar Rule Issues related to H.R. 10, the Financial Choice Act of 2017 Issues related to Dodd-Frank Act, including Section 1071 S. 387, Consumer Financial Protection Bureau Accountability Act of 2017 H.R. 3601, Protecting Consumers from Frivolous Claims Act of 2017 H.R. 5534, GUIDE Compliance Act H.R. 3625, CFPB-IG Act of 2017 H.R. 2553, TABS Act of 2017 Nomination of Kathy Kraninger, Director BCFP Issues Related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending H.R. 1283/S. 749, Transparency in Student Lending H.R. 1635, Empowering Students Through Enhanced Financial Counseling Act Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 4508, Promoting Real Opportunity, Success, and Prosperity through Education Reform Act H.R. 4119, The Student Loan Disclosure Modernization Act S. 1066, Federal Adjustment in Reporting Student Credit Act Issues Related to AML-BSA Reform Issues Related to FinCEN CDD Rule H.R. 6068 Counter Terrorism and Illicit Finance Act Issues Related to Appropriations Financial Services and General Government Appropriations Act, 2019 H.R. 6258 & S. 3107 Financial Services & General Government Appropriations Act, 2019 Issues Related to Postal Banking H.R. 4439, Modernizing Credit Opportunities Act Issues Related to Deposit Advance Products H.R. 4861, EQUAL Act of 2018 Issues Related to the Fair Credit Reporting Act H.R. 2359 FCRA Liability Harmonization Act Issues Related to budget reconciliation Issues Related to FY18 budget Issues related to implementation of Public Law No: 115-97, Tax Cuts and Jobs Act. Issues related to S. 2237/H.R. 4545, Financial Institutions Examination Fairness and Reform Act Issues related to H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act of 2017 Issues related to H.R. 924, the Financial Institutions Due Process Act of 2017 Issues related to H.R. 2396, the Privacy Notification Technical Clarification Act Issues related to H.R. 4607, Comprehensive Regulatory Review Act Issues related to H.R. 4648, Home Mortgage Reporting Relief Act Issues Related to the Community Reinvestment Act Issues Related to the Fair Credit Reporting Act H.R. 4028, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 Issues Related to the Department of Labor Fiduciary Rule Issues Related to Flood Insurance H.R. 2874, 21st Century Flood Reform Act S. 1571, National Flood Insurance Program Reauthorization Act of 2017 Issues Related to unfair, deceptive, or abusive acts or practices under Dodd-Frank Act Issues Related to systemic risk designations S. 1893/H.R. 3312, Systemic Risk Designation Improvement Act of 2017 Issues related to the Ensuring Quality Unbiased Access to Loans Act H.R. 2706, Financial Institution Customer Protection Act of 2017 Issues related to financial regulatory coordination Issues related to oversight of SBA 7(a) Loan Program H.R. 4743/S. 2283, Small Business 7(a) Lending Oversight Reform Act of 2018 Issues related to H.R. 4452, Right to Lend Act of 2017 Issues related to S. 1642/H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act Issues Related to FinTech HR. 1457, the Making Online Banking Initiation Legal and Easy Act of 2017 Issues related to the E-SIGN Act S. 2854 MOBILE Act of 2018 H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to H.R. 3857, Protecting Advice for Small Savers Act of 2017 Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to FinCEN Due Diligence Rule

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

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), 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 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

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)

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.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 the regulation of asset managers. Issues related to the electronic delivery of investor materials H.R.4204 - International Regulated Investment Company Act of 2017 H.R.4566- Alleviating Stress Test Burdens to Help Investor Act H.R. 4263 - Regulation A+ Improvement Act of 2017 H.R. 4545 - Financial Institutions Examination Fairness and Reform Act H.R. 4061 - Financial Stability Oversight Council Improvement Act of 2017

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

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

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

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: $590,000 · Firm income: Not reported

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

Issues Related to Cyber Security, Data Security & Breach Notification Issues Related to Data Acquisition and Technology Accountability and Security Act Issues Related to the Consumer Financial Protection Bureau Legislation related to establishing a commission at the CFPB S. 105, Consumer Financial Protection Board Act of 2017, H.R. 5266 Financial Product Safety Commission Act of 2018 Issues related to the CFPBs rulemaking for prepaid cards Issues related to the CFPBs rulemaking under the Home Mortgage Disclosure Act Issues related to Implementation of the TILA/RESPA Integrated Disclosures Issues related to anticipated rulemaking that would affect debt collection Issues related to Equal Credit Opportunity Act Issues related to CFPB Consumer Response Portal Issues related to Auto Guidance Issues related to CFPB Small-dollar Rule Issues related to H.R. 10, the Financial Choice Act of 2017 Issues related to Dodd-Frank Act, including Section 1071 S. 387, Consumer Financial Protection Bureau Accountability Act of 2017 Issues Related to Student Loans Issues related to the reauthorization of the Higher Education Act Issues related to the CFPBs and Department of Educations actions on student lending H.R. 1283/S. 749, Transparency in Student Lending H.R. 1635, Empowering Students Through Enhanced Financial Counseling Act Issues related to disclosures for federal student loans Legislation related to student loan refinancing programs Issues related to bankruptcy protections for student loans Issues related to federal student loan reform H.R. 4508, Promoting Real Opportunity, Success, and Prosperity through Education Reform Act H.R. 4119, The Student Loan Disclosure Modernization Act S. 1066, Federal Adjustment in Reporting Student Credit Act Issues Related to Appropriations H.R. 3280 Financial Services and General Government Appropriations Act, 2018 Financial Services and General Government Appropriations Act, 2019 Issues Related to budget reconciliation Issues Related to FY18 budget Issues related to H.R. 1, Tax Cuts and Jobs Act of 2017 Issues related to S. 2237/H.R. 4545, Financial Institutions Examination Fairness and Reform Act Issues related to H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act of 2017 Issues related to H.R. 924, the Financial Institutions Due Process Act of 2017 Issues related to H.R. 2396, the Privacy Notification Technical Clarification Act Issues related to H.R. 4607, Comprehensive Regulatory Review Act Issues related to H.R. 4648, Home Mortgage Reporting Relief Act Issues Related to the Community Reinvestment Act Issues Related to the Fair Credit Reporting Act H.R. 4028, Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 Issues Related to the Department of Labor Fiduciary Rule Issues Related to Flood Insurance H.R. 2874, 21st Century Flood Reform Act S. 1571, National Flood Insurance Program Reauthorization Act of 2017 Issues Related to unfair, deceptive, or abusive acts or practices under Dodd-Frank Act Issues Related to systemic risk designations S. 1893/H.R. 3312, Systemic Risk Designation Improvement Act of 2017 Issues related to the Ensuring Quality Unbiased Access to Loans Act H.R. 2706, Financial Institution Customer Protection Act of 2017 Issues related to financial regulatory coordination Issues related to oversight of SBA 7(a) Loan Program H.R. 4743/S. 2283, Small Business 7(a) Lending Oversight Reform Act of 2018 Issues related to H.R. 4452, Right to Lend Act of 2017 Issues related to S. 1642/H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act Issues Related to FinTech HR. 1457, the Making Online Banking Initiation Legal and Easy Act of 2017 Issues related to the E-SIGN Act H.R. 3299, Protecting Consumers Access to Credit Act of 2017 Issues related to H.R. 3857, Protecting Advice for Small Savers Act of 2017 Issues related to the Bank Secrecy Act and Anti-Money Laundering Issues related to the Counter Terrorism & Illicit Finance Act Regulations: Equal Credit Opportunity issues, Regulation B, 12 CFR Part 1002 Home Mortgage Disclosure Act Issues, Regulation C, 12 CFR Part 1003 Fair Debt Collection Practices Issues, Regulation F, 12 CFR Part 1006 Privacy Issues, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting Issues, 12 CFR Parts 41, 171, 334, 1022 Real Estate Settlement Procedures Issues, Regulation X, 12 CFR Part 1024 Truth in Lending Issues, Regulation Z, 12 CFR Part 1026 Disclosure of Records and Information, 12 CFR Part 1070 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to the Higher Education Act Issues related to Telephone Consumer Protection Act, 47 U.S.C. 227 Issues related to Electronic Fund Transfer Act, regulation E, 15 U.S.C. 1693 Department of Education Cash Management Rules Issues related to FDIC Deposit Insurance Issues related to the Paperwork Reduction Act Issues related to the Military Lending Act Community Reinvestment Act Regulations & Q&A issues Issues related to the Servicemembers Civil Relief Act Issues related to Small Business Act Issues related to FCC & FTC Do Not Call Registry Issues related to the Bank Secrecy Act and Anti-Money Laundering rules Issues related to the Counter Terrorism & Illicit Finance Act Issues related to the CFPB Request for Information Process Issues related to FinCEN Due Diligence Rule

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

Government targets: Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

LEGISLATIVE: 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). REGULATORY: 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, 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.

Client expense: $790,000 · 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

LEGISLATIVE: 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). REGULATORY: 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, 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.

Client expense: $790,000 · 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.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. 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 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 Capital Rules Liquidity Rules 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: $2,592,000 · 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

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, 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. 910/S. 327, Fair Access to Investment Research 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, Fostering Innovation Act of 2017 H.R. 1849, Practice of Law Technical Clarification 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 2017 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, 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. 3861, Federal Insurance Office Reform Act of 2017 H.R. 3903, 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, 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. 4861, Ensuring Quality Unbiased Access to Loans (EQUAL) Act of 2018 H.R. 5051, Public Company Registration Threshold Act H.R. 5323, Derivatives Fairness 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. 536, Cybersecurity Disclosure 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. 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. 2498, Protecting Children From Identity Theft 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 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. 20,946-21,002, 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) 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 2.0; 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

Client expense: $15,390,000 · 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 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), Occupational Safety & Health Administration (OSHA), 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), 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

H.R. 10 Financial CHOICE Act H.R. 924 Financial Institutions Due Process Act 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. 1422 Flood Insurance Development Modernization Act H.R. 1426 Federal Savings Association Charter Flexibility Act H.R. 1457 Making Online Banking Initiation Legal and Easy 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. 2170 Flood and Agriculture Risk Management Cost Reduction Act of 2017 H.R. 2204 Homeowner Information Privacy Protection 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. 2706 Financial Institution Customer Protection Act: Anti-Choke Point Provisions H.R. 2868 National Flood Insurance Program Policyholder Protection Act of 2017 H.R. 2874 21st Century Flood Reform Act H.R. 2875 National Flood Insurance Program Administrative Reform Act of 2017 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. 3070 To amend the Federal Deposit Insurance Act to clarify the definition of a deposit broker, and for other purposes H.R. 3072 Bureau of Consumer Financial Protection Examination and Reporting Threshold Act of 2017 H.R. 3089 Corporate Transparency Act of 2017, disclosure of beneficial owners and corporations H.R. 3221 Securing Access to Affordable Mortgages Act H.R. 3299 Protecting Consumers Access to Credit Act H.R. 3857 PASS Act of 2017: Repeal DOL Fiduciary Rule H.R. 3971 Community Institution Mortgage Relief Act H.R. 3978 TRID Improvement Act H.R. 4424 To amend the Internal Revenue Code of 1986 to provide an exclusion from gross income for interest on certain small business loans. H.R. 4545 The Financial Institutions Examination Fairness and Reform 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. 4725 The Community Bank Reporting Relief Act H.R. 4771 Small Bank Holding Company Relief Act of 2018 H.R. 4790 The Volcker Rule Regulatory Harmonization Act S. 366 Tailor Act of 2017 S. 387 CFPB Accountability Act S. 563 The Flood Insurance Market Parity and Modernization Act S. 567 Federal Savings Association Charter Flexibility Act of 2017 S. 1002 CLEAR Relief Act S. 1152 SAFE Banking Act S. 1264 Community Bank Sensible Regulation Act of 2017 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. 1647 TRUPS Reform S. 2155 Economic Growth Regulatory Relief and Consumer Protection Act Bank Secrecy Act/Anti-Money Laundering Rules/Legislation, including Beneficial Ownership Issue Call Report Streamlining 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 Bank Examination Appeals Community Reinvestment Act Credit Union Business Lending Powers Credit Union Field of Membership Rules Credit Union Supplemental Capital Cybersecurity - Information Sharing Data Security and Breaches De Novo Bank Applications Durbin Interchange Amendment 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 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 Sustainable, Affordable, Fair, and Efficient (SAFE) National Flood Insurance Program Reauthorization Act of 2017 Virtual Currency

Client expense: $1,220,000 · 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.R.916 To amend the Congressional Budget and Impoundment Control Act of 1974 to prohibit the use of guarantee fees as offsets. H.R.1018 To replace the Director of the Bureau ofConsumerFinancialProtectionwith a 5-person commission, and for other purposes. H.R.1116 TAILOR Act H.R. 1153 Mortgage Choice Act of 2017 H.R.1257 Securities and Exchange Commission Overpayment Credit Act H.R.1366 U.S. Territories Investor Protection Act of 2017 H.R.389 Credit Union Residential Loan Parity Act H.R.491 Let the GSEs Pay Us Back Act of 2017 H.R.815 To amend title 38, United States Code, to adjust certain limits on the guaranteed amount of a home loan under the home loan program of the Department of Veterans Affairs. H.R.910 Fair Access to Investment Research Act of 2017 H.R.1219 Supporting America's Innovators Act of 2017 H.R. 1637 RIGHTS at the CFPB Act of 2017 H.R. 2133 CLEARR Act H.R. 2226 Portfolio Lending and Mortgage Access Act H.R. 2948 To amend the S.A.F.E. Mortgage Licensing Act of 2008 to provide a temporary license for loan originators transitioning between employers, and for other purposes. H.R. 2890 Housing Opportunity Mortgage Expansion Act H.R. 4278 Independence from Credit Policy Act of 2017 H.R. 2148 Clarifying Commercial Real Estate Loans H.R. 2954 Home Mortgage Disclosure Adjustment Act H.R. 4607 Comprehensive Regulatory Review Act H.R. 3221 Securing Access to Affordable Mortgages Act H.R. 3299 Protecting Consumers' Access to Credit Act of 2017 H.R. 3978 TRID Improvement Act of 2017 H.R. 1264 Community Financial Institution Exemption Act H.R. 5266 Financial Product Safety Commission Act H.R. 4545 Financial Institutions Examination Fairness & Reform Act S.105 Consumer Financial Protection Board Act of 2017 S.365 A bill to amend theConsumerFinancialProtectionAct of 2010 to remove the funding cap relating to the transfer of funds from the Board of Governors of the Federal Reserve System to the Bureau ofConsumerFinancialProtection, and for other purposes. S.366 TAILOR Act S.370 A bill to eliminate the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. S.387 A bill to amend theConsumerFinancialProtectionAct of 2010 to subject the Bureau ofConsumerFinancialProtectionto the regular appropriations process, and for other purposes. S. 626 CFPB-IG Act of 2017 S. 1753 SAFE Transitional License Act S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act S. 2304 A bill to amend title 38, United States Code, to protect veterans from predatory lending, and for other purposes. S. 2405 Clarifying Commercial Real Estate Loans

Client expense: $671,317 · 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

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: $1,150,000 · 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)

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S 2155-Economic Growth Regulatory Relief and Consumer Protection Act, HR 1264-Community Financial Institutions Exemption Act, HR 1426-Federal Savings Association Charter Flexibility Act of 2017, HR 2226-Portfolio Lending and Mortgage Access Act, HR 3299-Protecting Consumer Access to Credit Act of 2017, HR 2978-Voting Rights Advancement Act of 2017, HR 4296-Place requirements on operational risk capital requirements for banking organizations established by appropriate federal banking agency, HR 1116-TAILOR Act, HR 4061-Financial Stability Oversight Council Improvement Act of 2017, HR 4263-Regulatory A+ Improvement Act of 2017, HR 4545-Financial Institutions Examination Fairness and Reform Act, HR 4293-STRESS Test Improvement Act of 2017, HR 4566-Alleviating Stress Test burdens to help investors act, Anti-trust remedies, Fighting the Crapo bank deregulatory bill,

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

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), U.S. Trade Representative (USTR)

Issues related to the regulation of asset managers. Issues related to the electronic delivery of investor materials H.R.4204 - International Regulated Investment Company Act of 2017 H.R.4566- Alleviating Stress Test Burdens to Help Investor Act H.R. 4263 - Regulation A+ Improvement Act of 2017 H.R. 4545 - Financial Institutions Examination Fairness and Reform Act H.R. 4061 - Financial Stability Oversight Council Improvement Act of 2017

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE