Homeownership for DREAMers Act

GSE Reform Discussions with the House and Senate regarding GSE Reform. Anti-Money Laundering/Beneficial Ownership HR2513 - Corporate Transparency Act of 2019 HR2514 - Coordinating Oversight, Upgrading and Innovating Technology, and Examiner Reform Act of 2019 HR __ - (Discussion Draft) To make reforms to the Federal Bank Secrecy Act and anti-money laundering laws, and for other purposes S2563 - ILLICIT Cash Act (Discussion Draft) Discussions with the House Financial Services Committee on Anti-Money Laundering issues. Discussions with the House Financial Services Committee on the Bank Secrecy Act. Discussions with the Senate Banking Committee on Anti-Money Laundering issues. Credit Reporting HR3618 - Free Credit Scores for Consumers Act of 2019 HR3621 - Student Borrower Credit Improvement Act HR3622 - Restoring Unfairly Impaired Credit and Protecting Consumers Act HR4067 - Financial Inclusion in Banking Act of 2019 HR4328 - Protecting Innocent Consumers Affected by a Shutdown Act HR5332 - Protecting Your Credit Score Act of 2019 HR__ - Improving Credit Reporting for All Consumers Act of 2019 HR__ - Clarity in Credit Score Formation Act of 2019 HR__ - Accurate Access to Credit Information Act of 2019 Discussions with the Senate. Financial Education HR4067 - Financial Inclusion in Banking Act of 2019 Student Loan Debt HR4545 - Private Loan Disability Discharge Act of 2019 HR5287 - Fair Student Loan Debt Collection Practices Act HR5294 - Student Borrower Protections Act of 2019 Communications with the House and Senate. Credit Scoring HR5332 - Protecting Your Credit Score Act of 2020 Discussions with the House and Senate. Qualified Mortgage (QM) Rule HR2445 - Self-Employed Mortgage Access Act of 2019 Community Reinvestment Act HJRes90 - Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "Community Reinvestment Act Regulations". Access to Credit HR6794 - Promoting Access to Credit for Homebuyers Act of 2020 COVID-19 Relief HR6800 - HEROES Act S__ - HEALS Act Letter to Congressional leadership regarding COVID-19 relief priorites. Federal Mortgage Access for DACA Recipients HR3154 - Homeownership for DREAMers Act Communications with the House and Senate regarding the QM Patch, mortgage forbearance due to COVID-19, and the CRA. Communications with the Treasury Department regarding the CDC eviction moratorium and the need for rental assistance. Communications with the White House regarding the CDC eviction moratorium and the need for rental assistance. Communications with the National Economic Council (NEC) regarding the CDC eviction moratorium and the need for rental assistance. Communications with the Treasury Department regarding the CDC eviction moratorium and the need for rental assistance. Communications with the Department of Housing and Urban Development (HUD) regarding the CDC eviction moratorium and the need for rental assistance. Communications with the Consumer Financial Protection Bureau (CFPB) regarding QM regulations, RESPA, TRID, and the COVID-19 response. Communications with the Federal Housing Finance Agency (FHFA) regarding the GSE capital rule, credit access, and fees, liquidity, and duty to serve. Communications with the Financial Crimes Enforcement Network (FinCEN) on anti-money laundering issues.

Client expense: $33,420,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Financial Crimes Enforcement Network (FinCEN), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Economic Council (NEC), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA), White House Office

Support S. 331 / HR 963, which restores comprehensive HMDA reporting requirements to 25 for mortgages and 100 for HELOCs with the exclusion for banks and credit unions with fewer than $30 million in assets Support lifting the austere Budget Control Act federal spending caps and ensuring that affordable housing, community development, and transportation programs receive the highest allocation of discretionary funds possible for FY20. Support S. 787 / HR 1737, the American Housing and Economic Mobility Act, which would: ramp up investments at the federal level to build an estimated 3 million new housing units aimed at lower-income and middle-class families in urban, suburban, and rural areas; establish down-payment assistance programs in communities that were shut out of homeownership by redlining and segregation practices; create hard-to-refuse incentives for local governments to eliminate land use rules that currently drive up costs and reduce the construction of new affordable housing; provide support to underwater borrowers, primarily in suburban and rural communities; modernize the Community Reinvestment Act so it covers more financial institutions and promotes more sustainable investments in LMI communities; update the Fair Housing Act of 1968 to prevent discrimination against people because of sexual orientation, gender identity, marital status, source of income, or veterans status; return the estate tax thresholds to their levels at the end of the Bush Administration - affecting about 10,000 of the wealthiest families in the country - in order to fund the provisions in the bill Support the Disability Integration Act, S.117 / H.R. 555, to ensure that people with disabilities can live in the community rather than be forced into nursing facilities and other institutions. Support increasing resources to fight housing discrimination; support HR 149 Support multi-year funding to repair the Federal Housing Administrations broken IT systems Support FHFAs activities to make their mortgage loan products more accessible to Americans with Limited English Proficiency. Support $5 billion for the National Low Income Trust and $15 billion to rehabilitate the public housing stock and that housing be included in any omnibus infrastructure plan Support s. 2076 / hr 3685 which is a comprehensive reform of eviction and screening policies for federal housing assistance. Oppose the CFPB proposal to raise the threshold for financial institutions to submit Home Mortgage Disclosure (HMDA) data. Support a letter by Chair Waters and Chair Velasquez in opposition to these changes. Support a letter by Ranking Member Brown in opposition to these changes Support HR 3154 / S1929, the Homeownership for Dreamers Act, which would ensure that DACA recipients are eligible for loans backed by FHA. Oppose the decision by the Federal Housing Finance Agency to remove the question about a borrowers language preference from the revised Uniform Residential Loan Application (URLA) FHA mortgages play a crucial role in providing and maintaining access to affordable and sustainable homeownership for LMI families and communities of color. If the Loan Sale Program continues in its current unregulated form, FHA borrowers and their communities remain at risk of further harm from non-compliant servicers and private equity loan purchasers. It is crucial that HUD implement strong protections both before and after loans are sold to prevent needless borrower displacement and neighborhood instability. HUD must develop and enforce robust protections for FHA borrowers and former borrowers affected by loan sales and mandate comprehensive data collection, including on fair housing issues, so that the impact of loan sales can be properly evaluated and problems addressed Support the view that any effort to comprehensively reform Government Sponsored Entities (GSEs)-Fannie Mae and Freddie Mac-must recognize the importance of preserving and strengthening access to stable, affordable, and equitable homeownership opportunities for American families. Oppose the Presidential Memorandum on the issue Support the ATR-QM rule coinciding with the expiration of the GSE Patch; support the elimination Eliminate the debt-to-income (DTI) ratio threshold and the associated Appendix Q; Support maintaining and enhancing the existing ATR regulatory language; and maintaining the existing QM statutory safe product restrictions that prohibit certain risky loan features (e.g., no terms over 30 years, no negative amortization, no interest-only payments, no balloon payments, documented and verified income, etc.) Oppose the Presidential Memorandum on Federal Housing Finance Reform released on 9-5-19 as it will increase the cost of a mortgage for everyone, especially families of color, low- to moderate-income families, and rural families Any effort to comprehensively reform Government Sponsored Entities (GSEs)-Fannie Mae and Freddie Mac-must recognize the importance of preserving and strengthening access to stable, affordable, and equitable homeownership opportunities for all American families Support a letter by Senator Cortez Masto to FHFA Director Mark Calabria opposing his decision to remove the language preference and housing counseling information from the Uniform Residential Loan Application form Support the administration continuing to make contributions to the Housing Trust Fund and Capital Magnet Fund as housing finance reform efforts move forward, including any capital restoration plan.

Client expense: $72,500 · Firm income: Not reported

Government targets: Alcohol & Tobacco Tax & Trade Bureau (TTB), Army, Dept of (Corps of Engineers), Bureau of Alcohol Tobacco Firearms & Explosives, Bureau of Citizenship & Immigration Services (BCIS), Bureau of the Census, Centers For Disease Control & Prevention (CDC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Economic Development Administration, Education, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Motor Carrier Safety Administration, Federal Reserve System, Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Policy Development, Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Immigration & Customs Enforcement (ICE), White House Office

Support the S. 505 / HR 1288, the Korematsu-Takai Civil Liberties Protection Act which would amend the Non-Detention Act of 1971 to prohibit detentions based solely on race ethnicity, religion, gender, gender identity, or sexual orientation Support H.R. 6, the Dream and Promise Act of 2019, which would put immigrant youth known as Dreamers and long-time beneficiaries of Temporary Protected Status (TPS) and Deferred Enforced Departure (DED) on a roadmap to citizenship Support the NO Ban Act, S. 1123, by Senator Coons (DE) and 2214 by Congresswoman Chu (CA) which prohibits the Muslim ban, the asylum ban, and extreme vetting Oppose the Social Security Administration sending no match letters (letters sent to employers when the name and SSN on an employers records do not match those at SSA). Support Temporary Protected Status for Haitians and others; support HR 5 Support DREAMERs; support HR 5 / S 874 Support Alejandra, a 44-year-old transgender woman from El Salvador who requested asylum at the U.S.-Mexico border in November 2017 but has been held in immigration detention by ICE ever since. Oppose Julie Kirchner for the position of Director of U.S. Citizenship and Immigration Services (USCIS). Oppose H.R. 2820, the Dream Act of 2019, unless the discretionary bars based on juvenile adjudications or alleged or actual gang affiliation are removed. Oppose nomination of Ken Cuccinelli to be Director of the U.S. Citizenship and Immigration Service (USCIS) Support HR 3154 / S1929, the Homeownership for Dreamers Act, which would ensure that DACA recipients are eligible for loans backed by FHA. Support ending immigration detention without bail; support an end to the automatic deportation of individuals who have had contact with the criminallegal system; support ending the entanglement of local policing and immigration enforcement; and support decriminalizing migration by repealing laws that make migration a crime Support Due Process Rights of Migrants in ICE custody Oppose the Hold their Feet to the Fire event held by the Federation for American Immigration Reform (FAIR) and call on Members of Congress not to validate the event by participating and support Members of Congress releasing a public statement denouncing anti-immigrant bigotry. Support Garcia (TX) amendment A051 to HR 2500, the National Defense Authorization Act. Amendment A051 would prevent DOD facilities from being used to house or detain unaccompanied minor children. Support Ocasio-Cortez Amendment A052 to HR 2500, the National Defense Authorization Act. Amendment A052 would prohibit the President from deploying troops to the southern border to bolster immigration efforts. Support Ocasio-Cortez amendment A053 to H.R. 2500, the National Defense Authorization Act. Amendment A053 would prevent DOD facilities from being used to house or detain undocumented immigrants Support the amendment A054 by Congressman Thompson (MS) to H.R. 2500, the National Defense Authorization Act. Amendment A054 would prohibit DOD from using any DoD facilities from housing any foreign nationals or individuals detained by ICE Support HR 3239, which established humanitarian standards for individuals held in detention by ICE Support HR 549, which extended Temporary Protected Status to Venezuelan nationals Support HR 3525, which directs the Department of Homeland Security (DHS) to (1) research and report to Congress new approaches to improve procedures for providing medical screening of individuals interdicted by U.S. Customs and Border Protection between ports of entry and recommend any necessary corrective actions, and (2) establish an electronic health record system containing the records of individuals in DHS custody that can be accessed by all relevant DHS departments.

Client expense: $72,500 · Firm income: Not reported

Government targets: Alcohol & Tobacco Tax & Trade Bureau (TTB), Army, Dept of (Corps of Engineers), Bureau of Alcohol Tobacco Firearms & Explosives, Bureau of Citizenship & Immigration Services (BCIS), Bureau of the Census, Centers For Disease Control & Prevention (CDC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Economic Development Administration, Education, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Motor Carrier Safety Administration, Federal Reserve System, Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Policy Development, Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA), State, Dept of (DOS), Treasury, Dept of, U.S. Customs & Border Protection, U.S. Immigration & Customs Enforcement (ICE), White House Office