Housing Financial Literacy Act of 2019

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUA's low income designation regulations Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding its regulatory emergency liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws 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 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 NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's 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 CFPB's Leadership Structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings 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 the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's 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 CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to the Department of Defenese Poposal 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 Financial Accounting Standards Board (FASB) 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 Regulation D Issues related to the Fed's 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 the 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 consumer's access to records Issues related to economic growth Issues related to Interchange Fees 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 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 FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to NCUA's Fidelity Bonds Proposed Rule Issues related to the Consumer Financial Protection Bureau's No-Acton Letters and the BCFP Product Sandbox Issues related to the Consumer Financial Protection Bureau's proposal to extend the Payday Rule's compliance daedline Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 79(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to robocalls and the Stopping Bad Robocalls Act Issues related to financial technology (FINTECH) Issues related to the Consumer Financial Protection Bureau Payday Rule Issues related to appraisals Issues related to student lending Issues related to robocalls and the draft Declaratory Ruling (the ruling) and Third Further Notice of Proposed Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17-97 Issues related to FY 2020 Foreign Assistance Budget and Policy Priorities Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to permit Federal Credit Unions to establish their own fiscal year Issues related to striking a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhance flexibility of Federal Credit Unions to schedule board meetings Issues related to remove certain outdated responsibilities of Federal credit union board of directors Issues related to permit Federal credit unions to expel disruptive members for just cause without a vote Issues related to permit balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to the draft bill improving Laundering Laws and Increasing Comprehensive Information Issues related to tracking of Criminal Activity in Shell Holding (ILLICIT CASH Act) Issues related to PACE loans Issues related to Consumer Financial Protection Bureau's HMDA reporting thresholds Issues on NCUA Executive compensation rules Issues related to business access to financial services Issues related to Strengthening Cybersecurity for the Financial Sector Act of 2019 Issues related to minority depository institutions Issues related to the Federal Reserve's Faster Payments Proposal Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to Credit Union Board Meeting Frequency Issues related to COVID-19 crisis response legislation Issues related to the regulation of overtime Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to essential services designation for financial services during COVID-19 Issues related to QRM Risk Retention review Issues related to NCUA's proposed rule on Combination transactions Issues related to the Freezing Assets of Suspected Terrorist and Enemy Recruits Act of 2020 Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to Federal Home Loan Bank liquidity Issues related to digital identity legislation Issues related to Paid Leave Payroll Tax Credits Issues related to the Central Liquidity Facility (CLF) Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to the legislation to temporarily halt the Federal financial regulators from carrying out rulemakings unrelated to the COVID-19 emergency until the end of such emergency Issues related to troubled debt restructuring Issues related to Prompt Corrective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forbearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to Fair Debt Collection Practices Act Issues related to Diversity in Financial Regulatory Advisory Committees Act Issues related to Federal Home Loan Bank Board Diversity Act Issues related to Federal Reserve Bank Board Diversity Act Issues related to the FHFA market fee increase Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to provision 4013 of the Coronavirus Aid, Relief and Economic Security Act Issues related to setting an American Framework to Ensure Data Access, Transparency and Accountability Issues related to Tax provisions in the CARES Act Issues related to the Federal Reserve on FedNOW Issues related to support of legislation to create CDFI National Crisis Fund Issues related to OCC National Bank and Savings Association Digital Activities Issues related to FHFA's proposed Adverse Market Refinance Fee Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to the NCUA 2020 Regulatory Review H.R. 266, Paycheck Protection Program and Healthcare Enhancement Act H.R. 388, the Financial Reporting Threshold Modernization Act H.R. 442, to amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act H.R. 748, the Coronavirus Aid, Relief, and Economic Security Act, Title I and Secs. 4008, 4012, 4014 of Title IV H.R.1039, to streamline requirements for currency transaction reports and suspicious activity reports and for other purposes H.R. 1158, the FY2020 Consolidated Appropriations Act (funding for the CDFI Fund as well as the Community Development Revolving Loan Fund) H.R. 1500, the Consumers First Act H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking act of 2019 H.R. 1661, to provide the National Credit Union Administration Board flexibility to increase Federal credit Union loan maturities, and for other purposes H.R. 1737, the American Housing and Economic Mobility Act of 2019 H.R. 1865, FY2020 Further Consolidated Appropriations Act (funding for the Cooperative Development Program, tax extenders, repeal of "parking tax") H.R. 1957, the Taxpayers First Act of 2019 H.R. 2093, to amend the Controlled Substances Act to provide for a new rule regarding the application of the Act of marijuana, and for other purposes H.R. 2157, Supplemental Appropriations Act of 2019 H.R. 2162, Housing Financial Literacy Act of 2019 H.R. 2290, Shutdown Guidance for Financial Institutions Act H.R. 2305, Veterans Members Business Loan Act H.R. 2445, Self-Employed Mortgage Access Act H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 H.R. 2513, Corporate Transparency Act of 2019 H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 H.R. 2740, the State and Foreign Operations and Related Programs Appropriations Act H.R. 2852, Homebuyer Assistance Act of 2019 H.R. 3055, Further Continuing Appropriations Act, 2020, flood insurance provision H.R. 3111, National Flood Insurance Program Administration Reform Act of 2019 H.R. 3167, National Flood Insurance Program Re-authorization Act of 2019 H.R. 3182, Current Expected Credit Loss Consumer Impact and Study Bill of 2019 H.R. 3198, the Comprehensive Regulatory Review Act H.R. 3300, the Economic Mobility Act of 2019 H.R. 3301, the Taxpayer Certainty and Disaster Tax Relief Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act of 2020 H.R. 3375, the Stopping Bad Robocalls Act H.R. 4458, Cybersecurity and Financial System Resilience Act H.R. 4464, Monitoring and Curbing Abusive Debt Collection Clarification Act H.R. 4565, the Responsible Accounting Standards Act of 2019 H.R. 5001, Non-Judicial Foreclosure Debt Collection Clarification Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5050, Veterans and Consumers Fair Credit Act H.R. 5132, Gun Violence Prevention through Financial Intelligence Act H.R. 5315, Expanding Opportunities for Minority Depository Institutions Act H.R. 5322, Ensuring Diversity in Community Banking Act of 2019 H.R. 5332, Protecting your Credit Score Act of 2019 H.R. 5332, Protection your Credit Score Act of 2019, Sec. 5 H.R. 5513, the Expanding Opportunities for Minority Depository Institutions Act H.R. 5981, Credit Union Board Modernization Act H.R. 6074, Coronavirus Preparedness and Response Supplemental Appropriations Act H.R. 6116, the Consumer Financial Protection Commission Act of 2020 H.R. 6201, the Families First Coronavirus Response Act, paid and sick leave provisions H.R. 6321, the Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act H.R. 6395, National Defense Authorization Act for Fiscal Year 2021 H.R. 6423, to provide a temporary debt collection moratorium during the COVID-19 emergency period, and for other purposes H.R. 6550, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 H.R. 6551, the CARES Act Section 4014, Technical Corrections Act H.R. 6729, the COVID-19 Homeowner Assistance Fund Act H.R. 6735, the COVID-19 Fraud Prevention Act H.R. 6736, the Protect Rural Renters Act of 2020 H.R. 6741, the COVID-19 Mortgage Relief Act H.R. 6789, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 H.R. 6790, the Business Borrowers Protection Act H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act of 2020 H.R. 6820, the Emergency Rental Assistance and Rental Market Stabilization Act of 2020 H.R. 6861, Paycheck Protection Program Data and Diversity Accountability Act of 2020 H.R. 6873, the Emergency Housing Assistance for Older Adults Act of 2020 H.R. 6874, Paycheck Protection Program Transparency Act of 2020 H.R. 7084, the Emergency Housing Voucher Act of 2020 H.R. 7617, Defense, Commerce, Justice, Science, Energy and Water Development, Financial Services and General Government, Labor, Health and Human Services, Education, Transportation, Housing and Urban Development Appropriations Act of 2021 H.R. 7777, Paycheck Protection Small Business Forgiveness Act H.R. 7963, Credit Union Governance Modernization Act of 2020 H.R. 8160, Promoting Diversity and Inclusion in Banking Act of 2020 H.Res 275, Supporting the goals and ideals of "Financial Literacy Month" H.Res 327, Encouraging greater public-private sector collaboration to promote financial literacy for students and young adults H.Res 328, Supporting the protection of elders through financial literacy H. Res 602, Support of resolution in support of cooperatives S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act S. 787, the American Housing and Economic Mobility Act of 2019 S. 1028, Strengthening the Tenth Amendment through Entrusting States (STATES Act) S. 1200, Secure and Fair Enforcement Banking Act of 2019 (SAFE Act) S. 1564, Continued Encouragement for Consumer Lending Act S. 1624, HEALS Act S. 2524, the Financial Services and General Government Appropriations Act of Fiscal Year 2020 S. 2563, The Improving Laundering Laws and Increasing Comprehensive Information S. 2583, the State-Foreign Operations and Related Programs Appropriations Act for FY2020 S. 2833, Veterans and Consumers Fair Credit Act of 2019 S. 2834, Veterans member Business Loan Act S. 3003, the Financial Institution Customer Protection Act S. 3032, Strengthening the Tenth Amendment Through Entrusting States S. 3323, Credit Union Governance Modernization Act of 2020 S. 3326, Credit Union Modernization Act of 2019 S. 3389, Expanding Access to Lending Options Act S. 3533, the Securing and Enabling Commerce Using Remote and Electronic (SECURE) S. 3548, Coronavirus Aid, Relief, and Economic Security act, payroll tax provisions S. 3571, the Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act S. 3620, A Bill to establish a Housing Assistance Fund at the Department of Treasury S. 3676, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 S. 4049, National Defense Authorization Act for Fiscal Year 2021 S. 4116, to extend the authority for commitments for the paycheck protection program and separate amounts authorized for other loans under section 7(a) of the Small Business Act, and for other purposes S. 4117, Paycheck Protection Small Business Forgiveness Act S. 4159 the E-SIGN Modernization Act of 2020 S. 4317, the SAFE to WORK Act S. 4430, CDFI Crisis Fund Act Sec. 2821 of S. 1790, the National Defense Authorization Act of FY 2020

Client expense: $1,030,510 · 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, U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA)

H.R. 299; Blue Water Navy Vietnam Veterans Act of 2019; Would remove the loan limit on V.A. home loans and increase the fee on the loans. H.R. 748; Coronavirus Aid, Relief, and Economic Security Act or the CARES Act; Creates forgivable loans for small businesses and independent Contractors. Would also provide Pandemic Unemployment Assistance for people who do not historically qualify for unemployment insurance. H.R. 6364, S 3533; Securing and Enabling Commerce Using Remote and Electronic Notarization Act, would allow for remote online notarization. H.R. 2162; Housing Financial Literacy Act of 2019; Would reduce the FHA single-family mortgage insurance premium for first-time homebuyers who completed a housing counseling course. H.R. 3141; FHA Loan Affordability Act of 2019; Would eliminate the FHA mortgage insurance premium once the LTV has reached 78 percent. H.R 3504; Ryan Kules Specially Adaptive Housing Improvement Act of 2019; would extend increases in the VA home loan guarantee program. H.R. 6800; Health and Economic Recovery Omnibus Emergency Solutions Act or the HEROES Act; would provide tenant and landlord assistance, expand the Paycheck Protection Program, extend foreclosure and eviction moratoriums, and other actions. H.R. 6886; Paycheck Protection Program Flexibility Act of 2020; The bill would make changes to the Paycheck Protection Program. C.A.R. spoke with the National Economic Council about mortgage finance reform, conforming loan limits, FHA home loan premiums, and California's housing supply. C.A.R. spoke to Congress about the need for the Federal government to look for ways to stimulate the housing supply in California. C.A.R. spoke to Congress about the risk HECM loans pose to the safety and soundness of the Mutual Mortgage Insurance Fund and the cost to home owners. C.A.R. spoke to Congress about the need to support affordable housing for home ownership. C.A.R. spoke to Congress about mortgage finance Reform proposals. This includes the government guarantee, conforming loan limits and due on sale clauses. C.A.R. spoke to Congress about flood insurance proposals. C.A.R. spoke to Congress about the proposed fee increase for Fannie Mae and Freddie Mac's guarantee fee in the Administration's proposed budget. C.A.R. spoke to Congress about the importance of and Infrastructure bill to the Housing market. C.A.R. Spoke to HUD about finalizing the FHA condo rule. C.A.R. spoke to HUD about adjusting the FHA mortgage insurance premium. C.A.R. spoke to HUD about needing to look at the Service Animals Guidelines for more clarification. C.A.R. spoke to the FHFA regarding the Conforming Loan Limits for Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the guarantee fee charged by Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the Duty to Serve for Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the conservatorship and capital retention of Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the Due on Sale clauses of Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding affordable housing programs by Fannie Mae and Freddie Mac. C.A.R. commented on the HUD Housing Finance Reform Plan C.A.R. commented on the Treasury Housing Reform Plan C.A.R. commented on HUD RFI Docket Number FR-6187-N-01 White House Council on Eliminating Regulatory Barriers to Affordable Housing C.A.R. Discussed For-Profit Shared Equity programs with the CFPB and the FHFA. C.A.R. commented on potential increases in bulk sales of government back/owned REOs. C.A.R. discussed FHA mortgage insurance premium levels during the COVID-19 crisis. C.A.R. commented on FHFA policy for GSEs purchasing of qualified mortgages in forbearance. C.A.R. commented on HUD policy for FHA insuring qualified mortgages in forbearance. C.A.R. discussed market liquidity during the housing crisis with HUD and the FHFA. C.A.R. commented on RIN 2590-AA95: Notice of Proposed Rulemaking; Enterprise Regulatory Capital Framework.

H.R. 299; Blue Water Navy Vietnam Veterans Act of 2019; Would remove the loan limit on V.A. home loans and increase the fee on the loans. H.R. 748; Coronavirus Aid, Relief, and Economic Security Act or the CARES Act; Creates forgivable loans for small businesses and independent Contractors. Would also provide Pandemic Unemployment Assistance for people who do not historically qualify for unemployment insurance. H.R. 6364, S 3533; Securing and Enabling Commerce Using Remote and Electronic Notarization Act, would allow for remote online notarization. H.R. 2162; Housing Financial Literacy Act of 2019; Would reduce the FHA single-family mortgage insurance premium for first-time homebuyers who completed a housing counseling course. H.R. 3141; FHA Loan Affordability Act of 2019; Would eliminate the FHA mortgage insurance premium once the LTV has reached 78 percent. H.R 3504; Ryan Kules Specially Adaptive Housing Improvement Act of 2019; would extend increases in the VA home loan guarantee program. H.R. 6800; Health and Economic Recovery Omnibus Emergency Solutions Act or the HEROES Act; would provide tenant and landlord assistance, expand the Paycheck Protection Program, extend foreclosure and eviction moratoriums, and other actions. H.R. 6886; Paycheck Protection Program Flexibility Act of 2020; The bill would make changes to the Paycheck Protection Program. C.A.R. spoke with the National Economic Council about mortgage finance reform, conforming loan limits, FHA home loan premiums, and California's housing supply. C.A.R. spoke to Congress about the need for the Federal government to look for ways to stimulate the housing supply in California. C.A.R. spoke to Congress about the risk HECM loans pose to the safety and soundness of the Mutual Mortgage Insurance Fund and the cost to home owners. C.A.R. spoke to Congress about the need to support affordable housing for home ownership. C.A.R. spoke to Congress about mortgage finance Reform proposals. This includes the government guarantee, conforming loan limits and due on sale clauses. C.A.R. spoke to Congress about flood insurance proposals. C.A.R. spoke to Congress about the proposed fee increase for Fannie Mae and Freddie Mac's guarantee fee in the Administration's proposed budget. C.A.R. spoke to Congress about the importance of and Infrastructure bill to the Housing market. C.A.R. Spoke to HUD about finalizing the FHA condo rule. C.A.R. spoke to HUD about adjusting the FHA mortgage insurance premium. C.A.R. spoke to HUD about needing to look at the Service Animals Guidelines for more clarification. C.A.R. spoke to the FHFA regarding the Conforming Loan Limits for Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the guarantee fee charged by Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the Duty to Serve for Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the conservatorship and capital retention of Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the Due on Sale clauses of Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding affordable housing programs by Fannie Mae and Freddie Mac. C.A.R. commented on the HUD Housing Finance Reform Plan C.A.R. commented on the Treasury Housing Reform Plan C.A.R. commented on HUD RFI Docket Number FR-6187-N-01 White House Council on Eliminating Regulatory Barriers to Affordable Housing C.A.R. Discussed For-Profit Shared Equity programs with the CFPB and the FHFA. C.A.R. commented on potential increases in bulk sales of government back/owned REOs. C.A.R. discussed FHA mortgage insurance premium levels during the COVID-19 crisis. C.A.R. commented on FHFA policy for GSEs purchasing of qualified mortgages in forbearance. C.A.R. commented on HUD policy for FHA insuring qualified mortgages in forbearance. C.A.R. discussed market liquidity during the housing crisis with HUD and the FHFA.

Rural Housing HR3620 - Strategy and Investment in Rural Housing Preservation Act of 2019 Communications with the House Financial Services Committee in support of the Rural Housing Service. Communications with the House and Senate in support of rural housing programs, 502 loans, and rural broadband. Violence Against Women Act HR1585 - Violence Against Women Reauthorization Act of 2019 Veterans Housing Issues HR299 - Blue Water Navy Vietnam Veterans Act of 2019 HR5923 - Fair Access to Co-ops for Veterans Act Communications with the House of Representatives and the Senate opposing the use of VA Home Loan Guarantee Fees to pay for other VA programs. Fair Housing Protections HR5 - Equality Act HR149 - Housing Fairness Act of 2019 HR1865 - Further Consolidated Appropriations Act, 2020 HR6760 - Fair Housing Further Enforcement Emergency Act of 2020 Communications with the House and Senate regarding HUD FY 2021 appropriations, including support for Fair Housing Initiative Programs (FHIP) and the HUD Office of Fair Housing and Equal Opportunity, and Fair Housing enforcement. FHA Programs HR123 - FHA Additional Credit Pilot Program Reauthorization Act HR1865 - Further Consolidated Appropriations Act, 2020 HR2162 - Housing Financial Literacy Act of 2019 HR2852 - Homebuyer Assistance Act of 2019 HR3141 - FHA Loan Affordability Act of 2019 HR5931 - Improving FHA Support for Small Dollar Mortgages Act of 2020 S1722 - FHA Appraiser Eligibility Expansion Act S3639 - Housing Financial Literacy Act of 2019 HUD-Assisted Housing HR1690 - Safe Housing for Families Act of 2019 HR __ - DISCUSSION DRAFT - Housing Infrastructure Act Transportation and Housing HR4307 - Build More Housing Near Transit Act HR4351 - Yes In My Backyard Act S1919 - Yes In My Backyard Act Affordable Housing HR4300 - Fostering Stable Housing Opportunities Act of 2019 S1804 - HUD Manufactured Housing Modernization Act of 2019 S2160 - CO ALERTS Act of 2019 COVID-19 Relief HR748 - CARES Act HR6201 - Families First Coronavirus Response Act HR6800 - HEROES Act S3685 - Emergency Rental Assistance and Rental Market Stabilization Act of 2020 Communications with Congress regarding additional relief for the rental industry and consumers HUD Leadership Communications with the Senate in support of Brian Montgomery's nomination to be Deputy Secretary of HUD, and in support of David Woll's nomination to be Assistant Secretary of HUD, Office of Community Planning and Development. Discussions with the Department of Housing and Urban Development (HUD) regarding, the FHA, fair housing, multifamily housing, the FHA and private flood insurance, FHA forbearance policies, and FHA premiums. Discussions with the Department of Veterans Affairs (VA) regarding the VA home loan guarantee program. Discussions with the U.S. Department of Agriculture (USDA) regarding rural housing loans and the rural housing service.

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUA's low income designation regulations Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding its regulatory emergency liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws 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 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 NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's 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 CFPB's Leadership Structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings 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 the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's 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 CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to the Department of Defenese Poposal 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 Financial Accounting Standards Board (FASB) 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 Regulation D Issues related to the Fed's 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 the 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 consumer's access to records Issues related to economic growth Issues related to Interchange Fees 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 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 FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to NCUA's Fidelity Bonds Proposed Rule Issues related to the Consumer Financial Protection Bureau's No-Acton Letters and the BCFP Product Sandbox Issues related to the Consumer Financial Protection Bureau's proposal to extend the Payday Rule's compliance daedline Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 79(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to robocalls and the Stopping Bad Robocalls Act Issues related to financial technology (FINTECH) Issues related to the Consumer Financial Protection Bureau Payday Rule Issues related to appraisals Issues related to student lending Issues related to robocalls and the draft Declaratory Ruling (the ruling) and Third Further Notice of Proposed Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17-97 Issues related to FY 2020 Foreign Assistance Budget and Policy Priorities Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to permit Federal Credit Unions to establish their own fiscal year Issues related to striking a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhance flexibility of Federal Credit Unions to schedule board meetings Issues related to remove certain outdated responsibilities of Federal credit union board of directors Issues related to permit Federal credit unions to expel disruptive members for just cause without a vote Issues related to permit balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to the draft bill improving Laundering Laws and Increasing Comprehensive Information Issues related to tracking of Criminal Activity in Shell Holding (ILLICIT CASH Act) Issues related to PACE loans Issues related to Consumer Financial Protection Bureau's HMDA reporting thresholds Issues on NCUA Executive compensation rules Issues related to business access to financial services Issues related to Strengthening Cybersecurity for the Financial Sector Act of 2019 Issues related to minority depository institutions Issues related to the Federal Reserve's Faster Payments Proposal Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to Credit Union Board Meeting Frequency Issues related to COVID-19 crisis response legislation Issues related to the regulation of overtime Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to essential services designation for financial services during COVID-19 Issues related to QRM Risk Retention review Issues related to NCUA's proposed rule on Combination transactions Issues related to the Freezing Assets of Suspected Terrorist and Enemy Recruits Act of 2020 Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to Federal Home Loan Bank liquidity Issues related to digital identity legislation Issues related to Paid Leave Payroll Tax Credits Issues related to the Central Liquidity Facility (CLF) Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to the legislation to temporarily halt the Federal financial regulators from carrying out rulemakings unrelated to the COVID-19 emergency until the end of such emergency Issues related to troubled debt restructuring Issues related to Prompt Corrective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forbearance Issues related to Paycheck Protection Program forgiveness process H.R. 266, Paycheck Protection Program and Healthcare Enhancement Act H.R. 388, the Financial Reporting Threshold Modernization Act H.R. 442, to amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act H.R. 748, the Coronavirus Aid, Relief, and Economic Security Act, Title I and Secs. 4008, 4012, 4014 of Title IV H.R.1039, to streamline requirements for currency transaction reports and suspicious activity reports and for other purposes H.R. 1158, the FY2020 Consolidated Appropriations Act (funding for the CDFI Fund as well as the Community Development Revolving Loan Fund) H.R. 1500, the Consumers First Act H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking act of 2019 H.R. 1661, to provide the National Credit Union Administration Board flexibility to increase Federal credit Union loan maturities, and for other purposes H.R. 1737, the American Housing and Economic Mobility Act of 2019 H.R. 1865, FY2020 Further Consolidated Appropriations Act (funding for the Cooperative Development Program, tax extenders, repeal of "parking tax") H.R. 1957, the Taxpayers First Act of 2019 H.R. 2093, to amend the Controlled Substances Act to provide for a new rule regarding the application of the Act of marijuana, and for other purposes H.R. 2157, Supplemental Appropriations Act of 2019 H.R. 2162, Housing Financial Literacy Act of 2019 H.R. 2290, Shutdown Guidance for Financial Institutions Act H.R. 2305, Veterans Members Business Loan Act H.R. 2445, Self-Employed Mortgage Access Act H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 H.R. 2513, Corporate Transparency Act of 2019 H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 H.R. 2740, the State and Foreign Operations and Related Programs Appropriations Act H.R. 2852, Homebuyer Assistance Act of 2019 H.R. 3111, National Flood Insurance Program Administration Reform Act of 2019 H.R. 3167, National Flood Insurance Program Re-authorization Act of 2019 H.R. 3182, Current Expected Credit Loss Consumer Impact and Study Bill of 2019 H.R. 3198, the Comprehensive Regulatory Review Act H.R. 3300, the Economic Mobility Act of 2019 H.R. 3301, the Taxpayer Certainty and Disaster Tax Relief Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act of 2020 H.R. 3375, the Stopping Bad Robocalls Act H.R. 4458, Cybersecurity and Financial System Resilience Act H.R. 4464, Monitoring and Curbing Abusive Debt Collection Clarification Act H.R. 4565, the Responsible Accounting Standards Act of 2019 H.R. 5001, Non-Judicial Foreclosure Debt Collection Clarification Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5050, Veterans and Consumers Fair Credit Act H.R. 5132, Gun Violence Prevention through Financial Intelligence Act H.R. 5315, Expanding Opportunities for Minority Depository Institutions Act H.R. 5322, Ensuring Diversity in Community Banking Act of 2019 H.R. 5332, Protecting your Credit Score Act of 2019 H.R. 5332, Protection your Credit Score Act of 2019, Sec. 5 H.R. 5513, the Expanding Opportunities for Minority Depository Institutions Act H.R. 5981, Credit Union Board Modernization Act H.R. 6074, Coronavirus Preparedness and Response Supplemental Appropriations Act H.R. 6116, the Consumer Financial Protection Commission Act of 2020 H.R. 6201, the Families First Coronavirus Response Act, paid and sick leave provisions H.R. 6321, the Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act H.R. 6395, National Defense Authorization Act for Fiscal Year 2021 H.R. 6423, to provide a temporary debt collection moratorium during the COVID-19 emergency period, and for other purposes H.R. 6550, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 H.R. 6551, the CARES Act Section 4014, Technical Corrections Act H.R. 6736, the Protect Rural Renters Act of 2020 H.R. 6741, the COVID-19 Mortgage Relief Act H.R. 6789, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 H.R. 6790, the Business Borrowers Protection Act H.R. 6800, Health and Economic Recovery Omnibus Emergency Solutions (HEROES) Act of 2020 H.R. 6820, the Emergency Rental Assistance and Rental Market Stabilization Act of 2020 H.R. 6873, the Emergency Housing Assistance for Older Adults Act of 2020 H.R. 7084, the Emergency Housing Voucher Act of 2020 H.Res 275, Supporting the goals and ideals of "Financial Literacy Month" H.Res 327, Encouraging greater public-private sector collaboration to promote financial literacy for students and young adults H.Res 328, Supporting the protection of elders through financial literacy H. Res 602, Support of resolution in support of cooperatives S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act S. 787, the American Housing and Economic Mobility Act of 2019 S. 1028, Strengthening the Tenth Amendment through Entrusting States (STATES Act) S. 1200, Secure and Fair Enforcement Banking Act of 2019 (SAFE Act) S. 1564, Continued Encouragement for Consumer Lending Act S. 2524, the Financial Services and General Government Appropriations Act of Fiscal Year 2020 S. 2563, The Improving Laundering Laws and Increasing Comprehensive Information S. 2583, the State-Foreign Operations and Related Programs Appropriations Act for FY2020 S. 2833, Veterans and Consumers Fair Credit Act of 2019 S. 2834, Veterans member Business Loan Act S. 3003, the Financial Institution Customer Protection Act S. 3032, Strengthening the Tenth Amendment Through Entrusting States S. 3323, Credit Union Governance Modernization Act of 2020 S. 3326, Credit Union Modernization Act of 2019 S. 3389, Expanding Access to Lending Options Act S. 3533, the Securing and Enabling Commerce Using Remote and Electronic (SECURE) S. 3548, Coronavirus Aid, Relief, and Economic Security act, payroll tax provisions S. 3571, the Financial Protections and Assistance for America's Consumers, States, Businesses, and Vulnerable Populations Act S. 3620, A Bill to establish a Housing Assistance Fund at the Department of Treasury S. 3676, Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act of 2020 S. 4049, National Defense Authorization Act for Fiscal Year 2021 Sec. 2821 of S. 1790, the National Defense Authorization Act of FY 2020

H.R. 299; Blue Water Navy Vietnam Veterans Act of 2019; Would remove the loan limit on V.A. home loans and increase the fee on the loans. H.R. 748; Coronavirus Aid, Relief, and Economic Security Act or the CARES Act; Creates forgivable loans for small businesses and independent Contractors. Would also provide Pandemic Unemployment Assistance for people who do not historically qualify for unemployment insurance. H.R. 6364, S 3533; Securing and Enabling Commerce Using Remote and Electronic Notarization Act, would allow for remote online notarization. H.R. 2162; Housing Financial Literacy Act of 2019; Would reduce the FHA single-family mortgage insurance premium for first-time homebuyers who completed a housing counseling course. H.R. 3141; FHA Loan Affordability Act of 2019; Would eliminate the FHA mortgage insurance premium once the LTV has reached 78 percent. H.R 3504; Ryan Kules Specially Adaptive Housing Improvement Act of 2019; would extend increases in the VA home loan guarantee program. C.A.R. spoke with the National Economic Council about mortgage finance reform, conforming loan limits, FHA home loan premiums, and California's housing supply. C.A.R. spoke to Congress about the need for the Federal government to look for ways to stimulate the housing supply in California. C.A.R. spoke to Congress about the risk HECM loans pose to the safety and soundness of the Mutual Mortgage Insurance Fund and the cost to home owners. C.A.R. spoke to Congress about the need to support affordable housing for home ownership. C.A.R. spoke to Congress about mortgage finance Reform proposals. This includes the government guarantee, conforming loan limits and due on sale clauses. C.A.R. spoke to Congress about flood insurance proposals. C.A.R. spoke to Congress about the proposed fee increase for Fannie Mae and Freddie Mac's guarantee fee in the Administration's proposed budget. C.A.R. spoke to Congress about the importance of and Infrastructure bill to the Housing market. C.A.R. Spoke to HUD about finalizing the FHA condo rule. C.A.R. spoke to HUD about adjusting the FHA mortgage insurance premium. C.A.R. spoke to HUD about needing to look at the Service Animals Guidelines for more clarification. C.A.R. spoke to the FHFA regarding the Conforming Loan Limits for Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the guarantee fee charged by Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the Duty to Serve for Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the conservatorship and capital retention of Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the Due on Sale clauses of Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding affordable housing programs by Fannie Mae and Freddie Mac. C.A.R. commented on the HUD Housing Finance Reform Plan C.A.R. commented on the Treasury Housing Reform Plan C.A.R. commented on HUD RFI Docket Number FR-6187-N-01 White House Council on Eliminating Regulatory Barriers to Affordable Housing C.A.R. Discussed For-Profit Shared Equity programs with the CFPB and the FHFA.

Rural Housing HR3620 - Strategy and Investment in Rural Housing Preservation Act of 2019 Communications with the House Financial Services Committee in support of the Rural Housing Service. Communications with the House and Senate in support of rural housing programs, 502 loans, and rural broadband. Violence Against Women Act HR1585 - Violence Against Women Reauthorization Act of 2019 Veterans Housing Issues HR299 - Blue Water Navy Vietnam Veterans Act of 2019 HR5923 - Fair Access to Co-ops for Veterans Act Communications with the House of Representatives and the Senate opposing the use of VA Home Loan Guarantee Fees to pay for other VA programs. Fair Housing Protections HR5 - Equality Act HR149 - Housing Fairness Act of 2019 HR1865 - Further Consolidated Appropriations Act, 2020 S1246 - Fair and Equal Housing Act of 2019 Communications with the House and Senate regarding HUD FY 2021 appropriations, including support for Fair Housing Initiative Programs (FHIP) and the HUD Office of Fair Housing and Equal Opportunity. FHA Programs HR123 - FHA Additional Credit Pilot Program Reauthorization Act HR1865 - Further Consolidated Appropriations Act, 2020 HR2162 - Housing Financial Literacy Act of 2019 HR2852 - Homebuyer Assistance Act of 2019 HR3141 - FHA Loan Affordability Act of 2019 HR5931 - Improving FHA Support for Small Dollar Mortgages Act of 2020 S1722 - FHA Appraiser Eligibility Expansion Act HUD-Assisted Housing HR1690 - Safe Housing for Families Act of 2019 HR __ - DISCUSSION DRAFT - Housing Infrastructure Act Transportation and Housing HR4307 - Build More Housing Near Transit Act HR4351 - Yes In My Backyard Act S1919 - Yes In My Backyard Act Affordable Housing HR4300 - Fostering Stable Housing Opportunities Act of 2019 S1804 - HUD Manufactured Housing Modernization Act of 2019 S2160 - CO ALERTS Act of 2019 COVID-19 Relief HR748 - CARES Act HR6201 - Families First Coronavirus Response Act Communications with Congress requesting COVID-19 relief for multifamily property owners and tenants. HUD Leadership Communications with the Senate in support of Brian Montgomery's nomination to be Deputy Secretary of HUD, and in support of David Woll's nomination to be Assistant Secretary of HUD, Office of Community Planning and Development. Discussions with the Department of Housing and Urban Development (HUD) regarding, the FHA, barriers to affordable housing, fair housing, Section 8 Multifamily housing, the FHA Single Family loan program, nominations, and the FHA and private flood insurance. Discussions with the Department of Veterans Affairs (VA) regarding the VA home loan guarantee program. Discussions with the U.S. Department of Agriculture (USDA) regarding rural housing loans and multifamily housing. Discussions with the Federal Housing Finance Agency (FHFA) regarding appraisals and real property.

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUA's low income designation regulations Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding its regulatory emergency liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws 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 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 NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's 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 CFPB's Leadership Structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings 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 the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's 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 CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to the Department of Defenese Poposal 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 Financial Accounting Standards Board (FASB) 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 Regulation D Issues related to the Fed's 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 the 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 consumer's access to records Issues related to economic growth Issues related to Interchange Fees 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 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 FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to NCUA's Fidelity Bonds Proposed Rule Issues related to the Consumer Financial Protection Bureau's No-Acton Letters and the BCFP Product Sandbox Issues related to the Consumer Financial Protection Bureau's proposal to extend the Payday Rule's compliance daedline Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 79(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to robocalls and the Stopping Bad Robocalls Act Issues related to financial technology (FINTECH) Issues related to the Consumer Financial Protection Bureau Payday Rule Issues related to appraisals Issues related to student lending Issues related to robocalls and the draft Declaratory Ruling (the ruling) and Third Further Notice of Proposed Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17-97 Issues related to FY 2020 Foreign Assistance Budget and Policy Priorities Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to permit Federal Credit Unions to establish their own fiscal year Issues related to striking a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhance flexibility of Federal Credit Unions to schedule board meetings Issues related to remove certain outdated responsibilities of Federal credit union board of directors Issues related to permit Federal credit unions to expel disruptive members for just cause without a vote Issues related to permit balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to the draft bill improving Laundering Laws and Increasing Comprehensive Information Issues related to tracking of Criminal Activity in Shell Holding (ILLICIT CASH Act) Issues related to PACE loans Issues related to Consumer Financial Protection Bureau's HMDA reporting thresholds Issues on NCUA Executive compensation rules Issues related to business access to financial services Issues related to Strengthening Cybersecurity for the Financial Sector Act of 2019 Issues related to minority depository institutions Issues related to the Federal Reserve's Faster Payments Proposal Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to Credit Union Board Meeting Frequency Issues related to COVID-19 crisis response legislation Issues related to the regulation of overtime Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to essential services designation for financial services during COVID-19 Issues related to QRM Risk Retention review Issues related to NCUA's proposed rule on Combination transactions Issues related to the Freezing Assets of Suspected Terrorist and Enemy Recruits Act of 2020 H.R. 388, the Financial Reporting Threshold Modernization Act H.R. 442, to amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act H.R. 748, the Coronavirus Aid, Relief, and Economic Security Act, Title I and Secs. 4008, 4012, 4014 of Title IV H.R.1039, to streamline requirements for currency transaction reports and suspicious activity reports and for other purposes H.R. 1158, the FY2020 Consolidated Appropriations Act (funding for the CDFI Fund as well as the Community Development Revolving Loan Fund) H.R. 1500, the Consumers First Act H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking act of 2019 H.R. 1661, to provide the National Credit Union Administration Board flexibility to increase Federal credit Union loan maturities, and for other purposes H.R. 1737, the American Housing and Economic Mobility Act of 2019 H.R. 1865, FY2020 Further Consolidated Appropriations Act (funding for the Cooperative Development Program, tax extenders, repeal of "parking tax") H.R. 1957, the Taxpayers First Act of 2019 H.R. 2093, to amend the Controlled Substances Act to provide for a new rule regarding the application of the Act of marijuana, and for other purposes H.R. 2157, Supplemental Appropriations Act of 2019 H.R. 2162, Housing Financial Literacy Act of 2019 H.R. 2290, Shutdown Guidance for Financial Institutions Act H.R. 2305, Veterans Members Business Loan Act H.R. 2445, Self-Employed Mortgage Access Act H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 H.R. 2513, Corporate Transparency Act of 2019 H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 H.R. 2740, the State and Foreign Operations and Related Programs Appropriations Act H.R. 2852, Homebuyer Assistance Act of 2019 H.R. 3111, National Flood Insurance Program Administration Reform Act of 2019 H.R. 3167, National Flood Insurance Program Re-authorization Act of 2019 H.R. 3182, Current Expected Credit Loss Consumer Impact and Study Bill of 2019 H.R. 3198, the Comprehensive Regulatory Review Act H.R. 3300, the Economic Mobility Act of 2019 H.R. 3301, the Taxpayer Certainty and Disaster Tax Relief Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act of 2020 H.R. 3375, the Stopping Bad Robocalls Act H.R. 4458, Cybersecurity and Financial System Resilience Act H.R. 4464, Monitoring and Curbing Abusive Debt Collection Clarification Act H.R. 4565, the Responsible Accounting Standards Act of 2019 H.R. 5001, Non-Judicial Foreclosure Debt Collection Clarification Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5050, Veterans and Consumers Fair Credit Act H.R. 5132, Gun Violence Prevention through Financial Intelligence Act H.R. 5315, Expanding Opportunities for Minority Depository Institutions Act H.R. 5322, Ensuring Diversity in Community Banking Act of 2019 H.R. 5332, Protecting your Credit Score Act of 2019 H.R. 5513, the Expanding Opportunities for Minority Depository Institutions Act H.R. 5981, Credit Union Board Modernization Act H.R. 6201, the Families First Coronavirus Response Act, paid and sick leave provisions H.R. 6116, the Consumer Financial Protection Commission Act of 2020 H.Res 275, Supporting the goals and ideals of "Financial Literacy Month" H.Res 327, Encouraging greater public-private sector collaboration to promote financial literacy for students and young adults H.Res 328, Supporting the protection of elders through financial literacy H. Res 602, Support of resolution in support of cooperatives S. 151, Telephone Robocall Abuse Criminal Enforcement and Deterrence Act S. 787, the American Housing and Economic Mobility Act of 2019 S. 1028, Strengthening the Tenth Amendment through Entrusting States (STATES Act) S. 1200, Secure and Fair Enforcement Banking Act of 2019 (SAFE Act) S. 1564, Continued Encouragement for Consumer Lending Act S. 2524, the Financial Services and General Government Appropriations Act of Fiscal Year 2020 S. 2563, The Improving Laundering Laws and Increasing Comprehensive Information S. 2583, the State-Foreign Operations and Related Programs Appropriations Act for FY2020 S. 2833, Veterans and Consumers Fair Credit Act of 2019 S. 2834, Veterans member Business Loan Act S. 3003, the Financial Institution Customer Protection Act S. 3032, Strengthening the Tenth Amendment Through Entrusting States S. 3323, Credit Union Governance Modernization Act of 2020 S. 3326, Credit Union Modernization Act of 2019 S. 3389, Expanding Access to Lending Options Act S. 3548, Coronavirus Aid, Relief, and Economic Security act, payroll tax provisions Sec. 2821 of S. 1790, the National Defense Authorization Act of FY 2020

Rural Housing HR3620 - Strategy and Investment in Rural Housing Preservation Act of 2019 Communications with the House Financial Services Committee in support of the Rural Housing Service. Violence Against Women Act HR1585 - Violence Against Women Reauthorization Act of 2019 Veterans Housing Issues HR299 - Blue Water Navy Vietnam Veterans Act of 2019 Communications with the House of Representatives and the Senate opposing the use of VA Home Loan Guarantee Fees to pay for other VA programs. Fair Housing Protections HR5 - Equality Act HR1865 - Further Consolidated Appropriations Act, 2020 S1246 - Fair and Equal Housing Act of 2019 FHA Programs HR123 - FHA Additional Credit Pilot Program Reauthorization Act HR1865 - Further Consolidated Appropriations Act, 2020 HR2162 - Housing Financial Literacy Act of 2019 HR2852 - Homebuyer Assistance Act of 2019 HR3141 - FHA Loan Affordability Act of 2019 S1722 - FHA Appraiser Eligibility Expansion Act HUD-Assisted Housing HR1690 - Safe Housing for Families Act of 2019 HR __ - DISCUSSION DRAFT - Housing Infrastructure Act Transportation and Housing HR4307 - Build More Housing Near Transit Act HR4351 - Yes In My Backyard Act S1919 - Yes In My Backyard Act Affordable Housing HR4300 - Fostering Stable Housing Opportunities Act of 2019 S1804 - HUD Manufactured Housing Modernization Act of 2019 S2160 - CO ALERTS Act of 2019 HUD Leadership Communications with the Senate Finance Committee in support of Brian Montgomery's nomination to be Deputy Secretary of HUD Discussions with the Department of Housing and Urban Development (HUD) regarding the FHA condominium rule, the FHA, loan limits, barriers to affordable housing, and fair housing. Discussions with the Department of Veterans Affairs (VA) regarding the VA home loan guarantee program. Discussions with the U.S. Department of Agriculture (USDA) regarding rural housing loans. Discussions with the White House regarding barriers to affordable housing, and the nomination of Brian Montgomery to be Deputy Secretary of HUD.

H.R. 299; Blue Water Navy Vietnam Veterans Act of 2019; Would remove the loan limit on V.A. home loans and increase the fee on the loans. H.R. 2162; Housing Financial Literacy Act of 2019; Would reduce the FHA single-family mortgage insurance premium for first-time homebuyers who completed a housing counseling course. H.R. 3141; FHA Loan Affordability Act of 2019; Would eliminate the FHA mortgage insurance premium once the LTV has reached 78 percent. H.R 3504; Ryan Kules Specially Adaptive Housing Improvement Act of 2019; would extend increases in the VA home loan guarantee program. C.A.R. spoke with the National Economic Council about mortgage finance reform, conforming loan limits, FHA home loan premiums, and California's housing supply. C.A.R. spoke to Congress about the need for the Federal government to look for ways to stimulate the housing supply in California. C.A.R. spoke to Congress about the risk HECM loans pose to the safety and soundness of the Mutual Mortgage Insurance Fund and the cost to home owners. C.A.R. spoke to Congress about the need to support affordable housing for home ownership. C.A.R. spoke to Congress about mortgage finance Reform proposals. This includes the government guarantee, conforming loan limits and due on sale clauses. C.A.R. spoke to Congress about flood insurance proposals. C.A.R. Spoke to HUD about finalizing the FHA condo rule. C.A.R. spoke to HUD about adjusting the FHA mortgage insurance premium. C.A.R. spoke to HUD about needing to look at the Service Animals Guidelines for more clarification. C.A.R. spoke to the FHFA regarding the Conforming Loan Limits for Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the guarantee fee charged by Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the Duty to Serve for Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the conservatorship and capital retention of Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the Due on Sale clauses of Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding affordable housing programs by Fannie Mae and Freddie Mac. C.A.R. commented on the HUD Housing Finance Reform Plan C.A.R. commented on the Treasury Housing Reform Plan

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUA's low income designation regulations Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding its regulatory emergency liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws 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 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 NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's 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 CFPB's Leadership Structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings 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 the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's 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 CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to the Department of Defenese Poposal 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 Financial Accounting Standards Board (FASB) 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 Fed's 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 the 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 consumer's access to records Issues related to economic growth Issues related to Interchange Fees 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 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 FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to NCUA's Fidelity Bonds Proposed Rule Issues related to the Consumer Financial Protection Bureau's No-Acton Letters and the BCFP Product Sandbox Issues related to the Consumer Financial Protection Bureau's proposal to extend the Payday Rule's compliance daedline Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 79(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to robocalls and the Stopping Bad Robocalls Act Issues related to financial technology (FINTECH) Issues related to the Consumer Financial Protection Bureau Payday Rule Issues related to appraisals Issues related to student lending Issues related to robocalls and the draft Declaratory Ruling (the ruling) and Third Further Notice of Proposed Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17-97 Issues related to FY 2020 Foreign Assistance Budget and Policy Priorities Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to permit Federal Credit Unions to establish their own fiscal year Issues related to striking a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhance flexibility of Federal Credit Unions to schedule board meetings Issues related to remove certain outdated responsibilities of Federal credit union board of directors Issues related to permit Federal credit unions to expel disruptive members for just cause without a vote Issues related to permit balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to the draft bill improving Laundering Laws and Increasing Comprehensive Information Issues related to tracking of Criminal Activity in Shell Holding (ILLICIT CASH Act) Issues related to PACE loans Issues related to Consumer Financial Protection Bureau's HMDA reporting thresholds Issues on NCUA Executive compensation rules Issues related to small business cannabis Issues related to Strengthening Cybersecurity for the Financial Sector Act of 2019 Issues related to minority depository institutions Issues related to the Federal Reserve's Faster Payments Proposal Issues related to Credit Union acquisitions of banks Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act H.R. 388, the Financial Reporting Threshold Modernization Act H.R. 442, to amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act H.R.1039, to streamline requirements for currency transaction reports and suspicious activity reports and for other purposes H.R. 1158, the FY2020 Consolidated Appropriations Act (funding for the CDFI Fund as well as the Community Development Revolving Loan Fund) H.R. 1500, the Consumers First Act H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking act of 2019 H.R. 1661, to provide the National Credit Union Administration Board flexibility to increase Federal credit Union loan maturities, and for other purposes H.R. 1737, the American Housing and Economic Mobility Act of 2019 H.R. 1865, FY2020 Further Consolidated Appropriations Act (funding for the Cooperative Development Program, tax extenders, repeal of "parking tax") H.R. 1957, the Taxpayers First Act of 2019 H.R. 2093, to amend the Controlled Substances Act to provide for a new rule regarding the application of the Act of marijuana, and for other purposes H.R. 2157, Supplemental Appropriations Act of 2019 H.R. 2162, Housing Financial Literacy Act of 2019 H.R. 2290, Shutdown Guidance for Financial Institutions Act H.R. 2305, Veterans Members Business Loan Act H.R. 2445, Self-Employed Mortgage Access Act H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 H.R. 2513, Corporate Transparency Act of 2019 H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 H.R. 2740, the State and Foreign Operations and Related Programs Appropriations Act H.R. 2852, Homebuyer Assistance Act of 2019 H.R. 3111, National Flood Insurance Program Administration Reform Act of 2019 H.R. 3167, National Flood Insurance Program Re-authorization Act of 2019 H.R. 3182, CECL Consumer Impact and Study Bill of 2019 H.R. 3198, the Comprehensive Regulatory Review Act H.R. 3300, the Economic Mobility Act of 2019 H.R. 3301, the Taxpayer Certainty and Disaster Tax Relief Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act of 2020 H.R. 3375, the Stopping Bad Robocalls Act H.R. 4458, Cybersecurity and Financial System Resilience Act H.R. 4464, Monitoring and Curbing Abusive Debt Collection Clarification Act H.R. 4565, the Responsible Accounting Standards Act of 2019 H.R. 5001, Non-Judicial Foreclosure Debt Collection Clarification Act H.R. 5013, Small Business Fair Debt Collection Protection Act H.R. 5050, Veterans and Consumers Fair Credit Act H.R. 5315, Expanding Opportunities for Minority Depository Institutions Act H.R. 5322, Ensuring Diversity in Community Banking Act of 2019 H.R. 5332, Protecting your Credit Score Act of 2019 H.Res 275, Supporting the goals and ideals of "Financial Literacy Month" H.Res 327, Encouraging greater public-private sector collaboration to promote financial literacy for students and young adults H.Res 328, Supporting the protection of elders through financial literacy H. Res 602, Support of resolution in support of cooperatives S. 151, TRACED Act S. 787, the American Housing and Economic Mobility Act of 2019 S. 1028, Strengthening the Tenth Amendment through Entrusting States (STATES Act) S. 1200, Secure and Fair Enforcement Banking Act of 2019 (SAFE Act) S. 1564, Continued Encouragement for Consumer Lending Act S. 2524, the Financial Services and General Government Appropriations Act of Fiscal Year 2020 S. 2563, The Improving Laundering Laws and Increasing Comprehensive Information S. 2583, the State-Foreign Operations and Related Programs Appropriations Act for FY2020 S. 2834, Veterans member Business Loan Act S. 3003, the Financial Institution Customer Protection Act S. 3032, Strengthening the Tenth Amendment Through Entrusting States Sec. 2821 of S. 1790, the National Defense Authorization Act of FY 2020

Rural Housing HR3620 - Strategy and Investment in Rural Housing Preservation Act of 2019 Communications with the House Financial Services Committee in support of the Rural Housing Service. Violence Against Women Act HR1585 - Violence Against Women Reauthorization Act of 2019 Veterans Housing Issues HR299 - Blue Water Navy Vietnam Veterans Act of 2019 Communications with the House of Representatives and the Senate opposing the use of VA Home Loan Guarantee Fees to pay for other VA programs. Fair Housing Protections Based on Sexual Orientation and Diversity HR5 - Equality Act S1246 - Fair and Equal Housing Act of 2019 FHA Programs HR123 - FHA Additional Credit Pilot Program Reauthorization Act HR2162 - Housing Financial Literacy Act of 2019 HR2852 - Homebuyer Assistance Act of 2019 HR3141 - FHA Loan Affordability Act of 2019 S1722 - FHA Appraiser Eligibility Expansion Act HUD-Assisted Housing HR1690 - Safe Housing for Families Act of 2019 HR __ - DISCUSSION DRAFT - Housing Infrastructure Act Transportation and Housing HR4307 - Build More Housing Near Transit Act HR4351 - Yes In My Backyard Act S1919 - Yes In My Backyard Act Downpayment Assistance Communications with Rep. Meeks' office in support of the American Dream Downpayment Act draft bill. Discussions with the Department of Housing and Urban Development (HUD) and the Federal Housing Agency (FHA) within HUD regarding the FHA condominium rule, companion and service animal guidance, Opportunity Zones, the FHA, FHA premiums, EAD Visas, access to FHA loans for cannabis business employees, and assisted housing. Discussions with the Department of Veterans Affairs (VA) regarding the VA home loan guarantee program and funding fees. Discussions with the U.S. Department of Agriculture (USDA) regarding rural housing loans. Discussions with the White House regarding barriers to affordable housing, service animals, the FHA condominium rule, and Opportunity Zones.

H.R. 299; Blue Water Navy Vietnam Veterans Act of 2019; Would remove the loan limit on V.A. home loans and increase the fee on the loans. H.R. 2162; Housing Financial Literacy Act of 2019; Would reduce the FHA single-family mortgage insurance premium for first-time homebuyers who completed a housing counseling course. H.R. 3141; FHA Loan Affordability Act of 2019; Would eliminate the FHA mortgage insurance premium once the LTV has reached 78 percent. C.A.R. spoke with the National Economic Council about mortgage finance reform, conforming loan limits, FHA home loan premiums, and California's housing supply. C.A.R. spoke to Congress about the need for the Federal government to look for ways to stimulate the housing supply in California. C.A.R. spoke to Congress about the risk HECM loans pose to the safety and soundness of the Mutual Mortgage Insurance Fund and the cost to home owners. C.A.R. spoke to Congress about the need to support affordable housing for home ownership. C.A.R. spoke to Congress about mortgage finance Reform proposals. This includes the government guarantee, conforming loan limits and due on sale clauses. C.A.R. spoke to Congress about flood insurance proposals. C.A.R. Spoke to HUD about finalizing the FHA condo rule. C.A.R. spoke to HUD about adjusting the FHA mortgage insurance premium. C.A.R. spoke to HUD about needing to look at the Service Animals Guidelines for more clarification. C.A.R. spoke to the FHFA regarding the Conforming Loan Limits for Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the guarantee fee charged by Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the Duty to Serve for Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the conservatorship and capital retention of Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the Due on Sale clauses of Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding affordable housing programs by Fannie Mae and Freddie Mac. C.A.R. commented on the HUD Housing Finance Reform Plan C.A.R. commented on the Treasury Housing Reform Plan

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUA's low income designation regulations Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding its regulatory emergency liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws 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 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 NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's 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 CFPB's Leadership Structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings 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 the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's 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 CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to the Department of Defenese Poposal 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 Financial Accounting Standards Board (FASB) 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 Fed's 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 the 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 consumer's access to records Issues related to economic growth Issues related to Interchange Fees 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 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 FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to NCUA's Fidelity Bonds Proposed Rule Issues related to the Consumer Financial Protection Bureau's No-Acton Letters and the BCFP Product Sandbox Issues related to the Consumer Financial Protection Bureau's proposal to extend the Payday Rule's compliance daedline Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 79(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to robocalls and the Stopping Bad Robocalls Act Issues related to financial technology (FINTECH) Issues related to the Consumer Financial Protection Bureau Payday Rule Issues related to appraisals Issues related to student lending Issues related to robocalls and the draft Declaratory Ruling (the ruling) and Third Further Notice of Proposed Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17-97 Issues related to FY 2020 Foreign Assistance Budget and Policy Priorities Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to permit Federal Credit Unions to establish their own fiscal year Issues related to striking a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhance flexibility of Federal Credit Unions to schedule board meetings Issues related to remove certain outdated responsibilities of Federal credit union board of directors Issues related to permit Federal credit unions to expel disruptive members for just cause without a vote Issues related to permit balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to the draft bill improving Laundering Laws and Increasing Comprehensive Information Issues related to tracking of Criminal Activity in Shell Holding (ILLICIT CASH Act) Issues related to PACE loans Issues related to Consumer Financial Protection Bureau's HMDA reporting thresholds Issues on NCUA Executive compensation rules Issues related to small business cannabis H.R. 388, the Financial Reporting Threshold Modernization Act H.R. 442, to amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act H.R.1039, to streamline requirements for currency transaction reports and suspicious activity reports and for other purposes H.R. 1500, the Consumers First Act H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking act of 2019 H.R. 1661, to provide the National Credit Union Administration Board flexibility to increase Federal credit Union loan maturities, and for other purposes H.R. 1737, the American Housing and Economic Mobility Act of 2019 H.R. 1957, the Taxpayers First Act of 2019 H.R. 2093, to amend the Controlled Substances Act to provide for a new rule regarding the application of the Act of marijuana, and for other purposes H.R. 2157, Supplemental Appropriations Act of 2019 H.R. 2162, Housing Financial Literacy Act of 2019 H.R. 2290, Shutdown Guidance for Financial Institutions Act H.R. 2305, Veterans Members Business Loan Act H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 H.R. 2513, Corporate Transparency Act of 2019 H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 H.R. 2740, the State and Foreign Operations and Related Programs Appropriations Act H.R. 2852, Homebuyer Assistance Act of 2019 H.R. 3111, National Flood Insurance Program Administration Reform Act of 2019 H.R. 3167, National Flood Insurance Program Re-authorization Act of 2019 H.R. 3182, CECL Consumer Impact and Study Bill of 2019 H.R. 3198, the Comprehensive Regulatory Review Act H.R. 3300, the Economic Mobility Act of 2019 H.R. 3301, the Taxpayer Certainty and Disaster Tax Relief Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act of 2020 H.R. 3375, the Stopping Bad Robocalls Act H.R. 4565, the Responsible Accounting Standards Act of 2019 H.Res 275, Supporting the goals and ideals of "Financial Literacy Month" H.Res 327, Encouraging greater public-private sector collaboration to promote financial literacy for students and young adults H.Res 328, Supporting the protection of elders through financial literacy H. Res 602, Support of resolution in support of cooperatives S. 151, TRACED Act S. 787, the American Housing and Economic Mobility Act of 2019 S. 1028, Strengthening the Tenth Amendment through Entrusting States (STATES Act) S. 1200, Secure and Fair Enforcement Banking Act of 2019 (SAFE Act) S. 1564, Continued Encouragement for Consumer Lending Act S. 2563, The Improving Laundering Laws and Increasing Comprehensive Information Sec. 2821 of S. 1790, the National Defense Authorization Act of FY 2020

Protect the credit union tax exemption; Setting the record straight on banker attacks; Examining Regulatory Frameworks for Digital Currencies, Digital Assets and Blockchain; Enrollment Period for Electronic Consent Based Social Security Number Verification Service (Docket No. SSA 2019-0021); Social Security Administrations (SSA) implementation of section 215 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA) to create a new electronic Consent Based Social Security Number (SSN) Verification (eCBSV) service; Support proposal to increase deposits from public units and nonmembers (RIN 3133-AF00); capital and risk-based capital reforms to preserve safety and soundness of the credit union industry; Delay of effective date of the risk-based capital rules, RIN 3133-AF01; Third Further Notice of Proposed Rulemaking, Advanced Methods to Target and Eliminate Unlawful Robocalls, CG Docket No. 17-59, WC Docket No. 17-97, 84 Fed. Reg. 29,478 (June 24, 2019); modernize the Telephone Consumer Protection Act to combat illegal robocalls, while also protecting credit unions ability to freely make legitimate communications with their members - reforms should clarify the intent requirement for a TCPA violation to prevent good-faith communications by legitimate callers from being swept into the provisions of the bill; Support H.R. 3375, the Stopping Bad Robocalls Act and the requirement for the FCC to prescribe regulations to clarify the definition of an ATDS or autodialer; Support examining the Use of Alternative Data in Underwriting and Credit Scoring to Expand Access to Credit in a responsible way and on a level playing field with credit unions; Support examining the proposed merger of Suntrust and BB&T; Support Congress examining legislative steps to take to provide greater clarity and legal certainty at the federal level for credit unions that choose to provide financial services to state-authorized marijuana related businesses; Challenges for cannabis and Banking: outside perspectives; Support examining and looking at regulatory concerns related to Facebooks proposed cryptocurrency, Libra and its impact on consumers, privacy, investors, and the American financial system; Support Potential Modifications to the Federal Reserve Banks' National Settlement Service and Fedwire Funds Service / Docket No. OP-1664; Support CFPB Review Pursuant to the Regulatory Flexibility Act and CFPBs discretion to review rules not subject to the 610 reviews / Docket No. CFPB-2019-0024; Support for H.R. 3182, the CECL Consumer Impact and Study Bill of 2019; Support H.R. 281, the Ensuring Diverse Leadership Act of 2019: support the amendment in the nature of a substitute to H.R. 2852, the Homebuyer Assistance Act of 2019; Support H.R. 3618, the Free Credit Scores for Consumers Act of 2019; Do not support H.R. 3614, the Restricting Use of Credit Checks for Employment Decisions Act; Support in part H.R. 3642, the Improving Credit Reporting for All Consumers Act; Do not support H.R. 3629, the Clarity in Credit Score Formation Act of 2019; Support for H.R. 2162, the Housing Financial Literacy Act of 2019; Support Renewal without Change of the Requirement for Information Sharing between Government Agencies and Financial Institutions (Docket No.: FINCEN-2018-0017; OMB Control No.: 1506-0049); Support Overdraft Rule Review Pursuant to the Regulatory Flexibility Act Docket No. CFPB-2019-0023; Support Modernization of the Safeguards Rule, 16 CFR part 314, Project No. 145407; Support the credit union difference; Support Housing Finance Reforms, such as guaranteed access for community financial institutions, fair pricing based on quality and not quantity of loans sold, and a level playing field allowing institutions of all sizes to compete; Support extending implementation period for CECL / Topic 326; support using extended implementation period to educated credit unions about the practical application of CECL; Support addressing CECLs negative impact on credit unions; Support revising Qualified Mortgage Definition Under the Truth in Lending Act (Regulation Z) RIN 3170-AA98); Support increased funding for NCUAs Community Development Revolving Loan Fund, the Community Development Financial Institutions Fund, and the Small Business Administrations 7(a) and 504 loan programs; Support limiting the scope of the Debt Collection Practices regulation to the scope of the FDCPA (Regulation F) (RIN 3170-AA41); Support H.R. 123, Alternative Data for Additional Credit FHA Pilot Program Reauthorization Act; Support H.R. 4067, Financial Inclusion in Banking Act of 2019; Support in part, H.R. 4328, Protecting Innocent Consumers Affected by a Shutdown Act; Oppose section 2821 of the National Defense Authorization Act (NDAA) for Fiscal Year 2020 (S. 1790); Support Facilitating Faster Payments in the U.S.; support the Federal Reserve developing real-time gross settlement capability, aka the FedNow Service; Support an update to the Exceptions to Employment Restrictions Under Section 205(d) of the Federal Credit Union Act (RIN: 3133-AF02); Support FHFA directive to prohibit GSEs from providing volume-based discounts; oppose full recapitalization and removal of the GSEs from conservatorship without first coordinating with Congress to achieve fair pricing and equal access to the secondary mortgage market.

Protect the credit union tax exemption; Setting the record straight on banker attacks; Examining Regulatory Frameworks for Digital Currencies, Digital Assets and Blockchain; Enrollment Period for Electronic Consent Based Social Security Number Verification Service (Docket No. SSA 2019-0021); Social Security Administrations (SSA) implementation of section 215 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA) to create a new electronic Consent Based Social Security Number (SSN) Verification (eCBSV) service; Support proposal to increase deposits from public units and nonmembers (RIN 3133-AF00); capital and risk-based capital reforms to preserve safety and soundness of the credit union industry; Delay of effective date of the risk-based capital rules, RIN 3133-AF01; Third Further Notice of Proposed Rulemaking, Advanced Methods to Target and Eliminate Unlawful Robocalls, CG Docket No. 17-59, WC Docket No. 17-97, 84 Fed. Reg. 29,478 (June 24, 2019); modernize the Telephone Consumer Protection Act to combat illegal robocalls, while also protecting credit unions ability to freely make legitimate communications with their members - reforms should clarify the intent requirement for a TCPA violation to prevent good-faith communications by legitimate callers from being swept into the provisions of the bill; Support H.R. 3375, the Stopping Bad Robocalls Act and the requirement for the FCC to prescribe regulations to clarify the definition of an ATDS or autodialer; Support examining the Use of Alternative Data in Underwriting and Credit Scoring to Expand Access to Credit in a responsible way and on a level playing field with credit unions; Support examining the proposed merger of Suntrust and BB&T; Support Congress examining legislative steps to take to provide greater clarity and legal certainty at the federal level for credit unions that choose to provide financial services to state-authorized marijuana related businesses; Challenges for cannabis and Banking: outside perspectives; Support examining and looking at regulatory concerns related to Facebooks proposed cryptocurrency, Libra and its impact on consumers, privacy, investors, and the American financial system; Support Potential Modifications to the Federal Reserve Banks' National Settlement Service and Fedwire Funds Service / Docket No. OP-1664; Support CFPB Review Pursuant to the Regulatory Flexibility Act and CFPBs discretion to review rules not subject to the 610 reviews / Docket No. CFPB-2019-0024; Support for H.R. 3182, the CECL Consumer Impact and Study Bill of 2019; Support H.R. 281, the Ensuring Diverse Leadership Act of 2019: support the amendment in the nature of a substitute to H.R. 2852, the Homebuyer Assistance Act of 2019; Support H.R. 3618, the Free Credit Scores for Consumers Act of 2019; Do not support H.R. 3614, the Restricting Use of Credit Checks for Employment Decisions Act; Support in part H.R. 3642, the Improving Credit Reporting for All Consumers Act; Do not support H.R. 3629, the Clarity in Credit Score Formation Act of 2019; Support for H.R. 2162, the Housing Financial Literacy Act of 2019; Support Renewal without Change of the Requirement for Information Sharing between Government Agencies and Financial Institutions (Docket No.: FINCEN-2018-0017; OMB Control No.: 1506-0049); Support Overdraft Rule Review Pursuant to the Regulatory Flexibility Act Docket No. CFPB-2019-0023; Support Modernization of the Safeguards Rule, 16 CFR part 314, Project No. 145407; Support the credit union difference; Support Housing Finance Reforms, such as guaranteed access for community financial institutions, fair pricing based on quality and not quantity of loans sold, and a level playing field allowing institutions of all sizes to compete; Support extending implementation period for CECL / Topic 326; support using extended implementation period to educated credit unions about the practical application of CECL; Support addressing CECLs negative impact on credit unions; Support revising Qualified Mortgage Definition Under the Truth in Lending Act (Regulation Z) RIN 3170-AA98); Support increased funding for NCUAs Community Development Revolving Loan Fund, the Community Development Financial Institutions Fund, and the Small Business Administrations 7(a) and 504 loan programs; Support limiting the scope of the Debt Collection Practices regulation to the scope of the FDCPA (Regulation F) (RIN 3170-AA41); Support H.R. 123, Alternative Data for Additional Credit FHA Pilot Program Reauthorization Act; Support H.R. 4067, Financial Inclusion in Banking Act of 2019; Support in part, H.R. 4328, Protecting Innocent Consumers Affected by a Shutdown Act; Oppose section 2821 of the National Defense Authorization Act (NDAA) for Fiscal Year 2020 (S. 1790); Support Facilitating Faster Payments in the U.S.; support the Federal Reserve developing real-time gross settlement capability, aka the FedNow Service; Support an update to the Exceptions to Employment Restrictions Under Section 205(d) of the Federal Credit Union Act (RIN: 3133-AF02); Support FHFA directive to prohibit GSEs from providing volume-based discounts; oppose full recapitalization and removal of the GSEs from conservatorship without first coordinating with Congress to achieve fair pricing and equal access to the secondary mortgage market.

Rural Housing Communications with the House Financial Services Committee in support of the Rural Housing Service. Violence Against Women Act HR1585 - Violence Against Women Reauthorization Act of 2019 Veterans Housing Issues HR299 - Blue Water Navy Vietnam Veterans Act of 2019 Fair Housing Protections Based on Sexual Orientation and Diversity HR5 - Equality Act S1246 - Fair and Equal Housing Act of 2019 FHA Programs HR2162 - Housing Financial Literacy Act of 2019 HR2852 - Homebuyer Assistance Act of 2019 HR3141 - FHA Loan Affordability Act of 2019 S1722 - FHA Appraiser Eligibility Expansion Act HUD-Assisted Housing HR1690 - Safe Housing for Families Act of 2019 HR __ - DISCUSSION DRAFT - Housing Infrastructure Act Downpayment Assistance Communications with Rep. Meeks' office in support of the American Dream Downpayment Act draft bill. Discussions with the Department of Housing and Urban Development (HUD) regarding the FHA condominium rule, companion and service animal guidance, Opportunity Zones, the FHA< and Section 8 Housing. Discussions with the Department of Veterans Affairs (VA) regarding the VA home loan guarantee program, loan limits, and loan fees. Discussions with the U.S. Department of Agriculture (USDA) regarding rural housing loans lending issues and property requirements. Discussions with the White House regarding affordable housing.

Client expense: $10,280,000 · Firm income: Not reported

H.R. 299; Blue Water Navy Vietnam Veterans Act of 2019; Would remove the loan limit on V.A. home loans and increase the fee on the loans. H.R. 2162; Housing Financial Literacy Act of 2019; Would reduce the FHA single-family mortgage insurance premium for first-time homebuyers who completed a housing counseling course. H.R. 3141; FHA Loan Affordability Act of 2019; Would eliminate the FHA mortgage insurance premium once the LTV has reached 78 percent. C.A.R. spoke with the National Economic Council about mortgage finance reform, conforming loan limits, FHA home loan premiums, and California's housing supply. C.A.R. spoke to Congress about the need for the Federal government to look for ways to stimulate the housing supply in California. C.A.R. spoke to Congress about the risk HECM loans pose to the safety and soundness of the Mutual Mortgage Insurance Fund and the cost to home owners. C.A.R. spoke to Congress about the need to support affordable housing for home ownership. C.A.R. spoke to Congress about mortgage finance Reform proposals. This includes the government guarantee, conforming loan limits and due on sale clauses. C.A.R. spoke to Congress about flood insurance proposals. C.A.R. Spoke to HUD about finalizing the FHA condo rule. C.A.R. spoke to HUD about adjusting the FHA mortgage insurance premium. C.A.R. spoke to HUD about needing to look at the Service Animals Guidelines for more clarification. C.A.R. spoke to the FHFA regarding the Conforming Loan Limits for Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the guarantee fee charged by Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the Duty to Serve for Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the conservatorship and capital retention of Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the Due on Sale clauses of Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding affordable housing programs by Fannie Mae and Freddie Mac.

Rural Housing Communications with the House Financial Services Committee in support of the Rural Housing Service. Violence Against Women Act HR1585 - Violence Against Women Reauthorization Act of 2019 Veterans Housing Issues HR299 - Blue Water Navy Vietnam Veterans Act of 2019 Fair Housing Protections Based on Sexual Orientation and Diversity HR5 - Equality Act S1246 - Fair and Equal Housing Act of 2019 FHA Programs HR2162 - Housing Financial Literacy Act of 2019 HR2852 - Homebuyer Assistance Act of 2019 HR3141 - FHA Loan Affordability Act of 2019 S1722 - FHA Appraiser Eligibility Expansion Act HUD-Assisted Housing HR1690 - Safe Housing for Families Act of 2019 HR __ - DISCUSSION DRAFT - Housing Infrastructure Act Downpayment Assistance Communications with Rep. Meeks' office in support of the American Dream Downpayment Act draft bill. Discussions with the Department of Housing and Urban Development (HUD) regarding the FHA condominium rule, companion and service animal guidance, Opportunity Zones, the FHA< and Section 8 Housing. Discussions with the Department of Veterans Affairs (VA) regarding the VA home loan guarantee program, loan limits, and loan fees. Discussions with the U.S. Department of Agriculture (USDA) regarding rural housing loans lending issues and property requirements. Discussions with the White House regarding affordable housing.

Client expense: $10,280,000 · Firm income: Not reported

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUA's low income designation regulations Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding its regulatory emergency liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws 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 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 NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's 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 CFPB's Leadership Structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings 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 the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's 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 CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to the Department of Defenese Poposal 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 Financial Accounting Standards Board (FASB) 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 Fed's 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 the 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 consumer's access to records Issues related to economic growth Issues related to Interchange Fees 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 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 FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to debt collection requirements Issues related to capital reform for credit unions Issues related to procurement reform for private voluntary organizations Issues related to Federal Credit Union Charter Modernization Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to NCUA's Fidelity Bonds Proposed Rule Issues related to the Consumer Financial Protection Bureau's No-Acton Letters and the BCFP Product Sandbox Issues related to the Consumer Financial Protection Bureau's proposal to extend the Payday Rule's compliance daedline Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 79(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to robocalls and the Stopping Bad Robocalls Act Issues related to financial technology (FINTECH) Issues related to the Consumer Financial Protection Bureau Payday Rule Issues related to appraisals Issues related to student lending Issues related to robocalls and the draft Declaratory Ruling (the ruling) and Third Further Notice of Proposed Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17-97 Issues related to FY 2020 Foreign Assistance Budget and Policy Priorities Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to permit Federal Credit Unions to establish their own fiscal year Issues related to striking a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhance flexibility of Federal Credit Unions to schedule board meetings Issues related to remove certain outdated responsibilities of Federal credit union board of directors Issues related to permit Federal credit unions to expel disruptive members for just cause without a vote Issues related to permit balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to the draft bill improving Laundering Laws and Increasing Comprehensive Information Issues related to tracking of Criminal Activity in Shell Holding (ILLICIT CASH Act) Issues related to PACE loans Issues related to Consumer Financial Protection Bureau's HMDA reporting thresholds Issues on NCUA Executive compensation rules Issues related to small business cannabis H.R. 388, the Financial Reporting Threshold Modernization Act H.R. 442, to amend the Consumer Financial Protection Act of 2010 to extend the supervisory authority of the Bureau of Consumer Financial Protection to include assessing compliance with the Military Lending Act H.R.1039, to streamline requirements for currency transaction reports and suspicious activity reports and for other purposes H.R. 1500, the Consumers First Act H.R. 1595, the Secure and Fair Enforcement (SAFE) Banking act of 2019 H.R. 1661, to provide the National Credit Union Administration Board flexibility to increase Federal credit Union loan maturities, and for other purposes H.R. 1737, the American Housing and Economic Mobility Act of 2019 H.R. 1957, the Taxpayers First Act of 2019 H.R. 2093, to amend the Controlled Substances Act to provide for a new rule regarding the application of the Act of marijuana, and for other purposes H.R. 2157, Supplemental Appropriations Act of 2019 H.R. 2162, Housing Financial Literacy Act of 2019 H.R. 2290, Shutdown Guidance for Financial Institutions Act H.R. 2305, Veterans Members Business Loan Act H.R. 2500, National Defense Authorization Act for Fiscal Year 2020 H.R. 2513, Corporate Transparency Act of 2019 H.R. 2514, Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 H.R. 2740, the State and Foreign Operations and Related Programs Appropriations Act H.R. 2852, Homebuyer Assistance Act of 2019 H.R. 3111, National Flood Insurance Program Administration Reform Act of 2019 H.R. 3167, National Flood Insurance Program Re-authorization Act of 2019 H.R. 3182, CECL Consumer Impact and Study Bill of 2019 H.R. 3198, the Comprehensive Regulatory Review Act H.R. 3300, the Economic Mobility Act of 2019 H.R. 3301, the Taxpayer Certainty and Disaster Tax Relief Act of 2019 H.R. 3351, Financial Services and General Government Appropriations Act of 2020 H.Res 275, Supporting the goals and ideals of "Financial Literacy Month" H.Res 327, Encouraging greater public-private sector collaboration to promote financial literacy for students and young adults H.Res 328, Supporting the protection of elders through financial literacy S. 151, TRACED Act S. 787, the American Housing and Economic Mobility Act of 2019 S. 1028, Strengthening the Tenth Amendment through Entrusting States (STATES Act) S. 1200, Secure and Fair Enforcement Banking Act of 2019 (SAFE Act) S. 1564, Continued Encouragement for Consumer Lending Act

House Appropriations-Financial services and general government, insider trading, Executive Compensation reform, HR 2176/Glass-Steagall-return to prudent banking act of 2019, banking issues related to mega-bank reform, ethics issues related to treasury secretary, CFPB rulemaking, HR 2534-Insider Trading Prohibition Act, HR 2515-Whistleblower Protection reform act of 2019, HR 2513-Corporate Transparency Act of 2019, HR 2162-Housing Financial Literacy Act of 2019, draft bills on SEC enforcement, Environmental Social and Governance (ESG) disclosure issues, SEC nominating process, postal banking

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

Government targets: Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), U.S. Trade Representative (USTR)