Protect Affordable Mortgages for Veterans Act of 2018

Government-sponsored enterprise reform. Housing finance reform. Transitional licensing for registered mortgage loan originators under the SAFE Act. Federal Housing Finance Agency rule regarding membership standards for federal home loan banks. Federal Home Loan Bank membership for mortgage real estate investment trusts. 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, all provisions. H.R. 2890, Housing Opportunity Mortgage Expansion Act, all provisions. H.R. 5534, GUIDE Compliance Act, all provisions. S. 2155, provisions affecting Home Mortgage Disclosure Act reporting, TILA-RESPA integrated disclosure improvements, transitional authority to make mortgages and issues related to high-volatility commercial real estate. H.R. 6737, Protecting Affordable Mortgages for Veterans Act, all provisions.

Client expense: Not reported · Firm income: $22,500

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1153, The Mortgage Choice Act; H.R. 3860 and S. 1958, The IRS Data Verification Modernization Bill; S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act; S. 2304, Protecting Veterans from Predatory Lending Act of 2018; issues under the jurisdiction of the US House Appropriations Subcommittee on Financial Services and General Government; FY2018 Financial Services and General Government Appropriations Bill; General Dodd-Frank corrections, including qualified mortgage rule and CFPB matters; General GSE reform; FHA and VA residential; HUD FHA Home Equity Conversion Program (HECM); General FHFA & FHA issues; oversight of federal housing policy; H.R. 10, The Financial Choice Act; HR 2890, Housing Opportunity Mortgage Expansion Act and S. 2361,Housing Opportunity Mortgage Expansion Act; HR 6737, Protect Affordable Mortgages for Veterans Act of 2018

Client expense: $240,000 · Firm income: Not reported

Issues related to the implementation of S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act; HR 5534 Guide Act; HR 6737 Protect Affordable Mortgage for Veterans Act of 2018; housing finance; Federal Home Loan Bank issues; S. 3401 Self-Employed Mortgage Access Act of 2018

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.916 To amend the Congressional Budget and Impoundment Control Act of 1974 to prohibit the use of guarantee fees as offsets. H.R.1031 To eliminate the Bureau ofConsumerFinancialProtectionby repealing title X of the Dodd-Frank Wall Street Reform andConsumerProtectionAct, commonly known as theConsumerFinancialProtectionAct of 2010. H.R. 1153 Mortgage Choice Act of 2017 H.R.1321 To amend the National Housing Act to require the Secretary of Housing and Urban Development to issue guidance to reduce up-front premiums for FHA-insured mortgages if the capital ratio of the Mutual Mortgage Insurance Fund exceeds the statutory limit, and for other purposes. 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.851 HousingFinancialLiteracy Act of 2017 H.R.948 Common Sense Housing Investment Act of 2017 H.R. 1699 The Preserving Access to Manufactured Housing Act H.R. 2226 Portfolio Lending and Mortgage Access Act H.R. 5993 Fixing Housing Access Act of 2018 H.R. 2570 Mortgage Fairness Act of 2017 H.R. 5953 Building Up Independent Lives & Dreams Act H.R. 435 The Credit Access and Inclusion Act of 2017 H.R. 6072 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2019 H.R. 6737 Protect Affordable Mortgages for Veterans Act of 2018 H.R. 695 Department of Defense Appropriations Act, 2018 S.122 Mortgage Debt Tax Relief Act S. 1655 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2019 S. 2361 Housing Opportunity Mortgage Expansion (HOME) Act 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

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

HR 2570 - Mortgage Fairness Act of 2017 - amend the qualified mortgage rules to remove double counting. HR 399 - Blue Water Veterans - amend to lessen impact on lower priced loans. HR 6737 - Protect Affordable Loans for Veterans - concern about limiting loans offered to veterans.

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

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

Issues relating to Federal Housing Administration; Issues relating to housing finance reform general; H.R. 6737, the Protect Affordable Mortgages for Veterans Act of 2018, all provisions.

Client expense: $1,020,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

FHA Premiums HR1321 - To amend the National Housing Act to require the Secretary of Housing and Urban Development to issue guidance to reduce up-front premiums for FHA-insured mortgages if the capital ratio of the Mutual Mortgage Insurance Fund exceeds the statutory limit, and for other purposes. HR4159 - Making FHA More Affordable Act of 2017 Fair Housing Protections HR1447 - Fair and Equal Housing Act S1328 - Fair and Equal Housing Act of 2017 HR6220 - Restoring Fair Housing Protections Eliminated by HUD Act of 2018 Manufactured Housing HR1699 - Preserving Access to Manufactured Housing Act of 2017 Rural Housing Programs HR__ - FY2018 Agriculture Appropriations HR__ - FY2018 HUD Appropriations HR1625 - Consolidated Appropriations Act, 2018 HR3267 - Commerce, Justice, Science, and Related Agencies Appropriations Act, 2018 S2976 - Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2019 VA Housing HR299 - Blue Water Navy Vietnam Veterans Act of 2017 HR815 - 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. HR2777 - Give Veterans Home Loan Choices Act of 2017 HR5693 - Long-Term Care Veterans Choice Act HR6737 - Protect Affordable Mortgages for Veterans Act of 2018 S2034 - Protecting Veterans from Predatory Lending Act of 2018 HUD Housing Choice Voucher Mobility HR5793 - Housing Choice Voucher Mobility Demonstration Act of 2018 Affordable Housing S3231 - Task Force on the Impact of the Affordable Housing Crisis Act of 2018 S3503 - American Housing and Economic Mobility Act of 2018 Violence Against Women Act Reauthorization - Housing Provisions HR6545 - Violence Against Women Reauthorization Act of 2018 Discussions with the Department of Housing and Urban Development (HUD) regarding affirmatively furthering fair housing, down payments, FHA condominium rules, and FHA and federally assisted housing. Discussions with the Department of Veterans Affairs (VA) regarding the VA home loan guaranty program. Discussions with the U.S. Department of Agriculture (USDA) regarding rural housing loans, loan system upgrades, and technology fees. Discussions with the Federal Housing Administration (FHA) within HUD regarding condominium regulations and fair housing. Discussions with the Appraisal Subcommittee on rural appraisals. Discussions with the U.S. Treasury Department regarding multi-family risk-sharing.

H.R. 1153, The Mortgage Choice Act; H.R. 3860 and S. 1958, The IRS Data Verification Modernization Bill; S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act; S. 2304, Protecting Veterans from Predatory Lending Act of 2018; issues under the jurisdiction of the US House Appropriations Subcommittee on Financial Services and General Government; FY2018 Financial Services and General Government Appropriations Bill; General Dodd-Frank corrections, including qualified mortgage rule and CFPB matters; General GSE reform; FHA and VA residential; HUD FHA Home Equity Conversion Program (HECM); General FHFA & FHA issues; oversight of federal housing policy; H.R. 10, The Financial Choice Act; HR 2890, Housing Opportunity Mortgage Expansion Act and S. 2361,Housing Opportunity Mortgage Expansion Act; HR 6737, Protect Affordable Mortgages for Veterans Act of 2018

Client expense: $290,000 · Firm income: Not reported

H.R.916 To amend the Congressional Budget and Impoundment Control Act of 1974 to prohibit the use of guarantee fees as offsets. H.R.1031 To eliminate the Bureau ofConsumerFinancialProtectionby repealing title X of the Dodd-Frank Wall Street Reform andConsumerProtectionAct, commonly known as theConsumerFinancialProtectionAct of 2010. H.R. 1153 Mortgage Choice Act of 2017 H.R.1321 To amend the National Housing Act to require the Secretary of Housing and Urban Development to issue guidance to reduce up-front premiums for FHA-insured mortgages if the capital ratio of the Mutual Mortgage Insurance Fund exceeds the statutory limit, and for other purposes. 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.851 HousingFinancialLiteracy Act of 2017 H.R.948 Common Sense Housing Investment Act of 2017 H.R. 1699 The Preserving Access to Manufactured Housing Act H.R. 2226 Portfolio Lending and Mortgage Access Act H.R. 5993 Fixing Housing Access Act of 2018 H.R. 2570 Mortgage Fairness Act of 2017 H.R. 5953 Building Up Independent Lives & Dreams Act H.R. 435 The Credit Access and Inclusion Act of 2017 H.R. 6072 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2019 H.R. 6737 Protect Affordable Mortgages for Veterans Act of 2018 S.122 Mortgage Debt Tax Relief Act S. 1655 Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2019 S. 2361 Housing Opportunity Mortgage Expansion (HOME) Act S. 3401 Self-Employed Mortgage Access Act of 2018 S. 3443 GUIDE Compliance Act

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

H.R.916 To amend the Congressional Budget and Impoundment Control Act of 1974 to prohibit the use of guarantee fees as offsets. H.R.1018 To replace the Director of the Bureau ofConsumerFinancialProtectionwith a 5-person commission, and for other purposes. H.R.1116 TAILOR Act H.R. 1153 Mortgage Choice Act of 2017 H.R.1257 Securities and Exchange Commission Overpayment Credit Act H.R.1366 U.S. Territories Investor Protection Act of 2017 H.R.389 Credit Union Residential Loan Parity Act H.R.491 Let the GSEs Pay Us Back Act of 2017 H.R.815 To amend title 38, United States Code, to adjust certain limits on the guaranteed amount of a home loan under the home loan program of the Department of Veterans Affairs. H.R.910 Fair Access to Investment Research Act of 2017 H.R.1219 Supporting America's Innovators Act of 2017 H.R. 1637 RIGHTS at the CFPB Act of 2017 H.R. 2133 CLEARR Act H.R. 2226 Portfolio Lending and Mortgage Access Act H.R. 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

Implementation of the Dodd Frank Act; HR 5534 Guide Act; HR 6737 Protect Affordable Mortgage for Veterans Act of 2018; housing finance. S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE