Downpayment Toward Equity Act of 2021

Fair Housing Protections HR5 - Equality Act HR68 - Housing Fairness Act of 2021 HR2471 - Consolidated Appropriations Act, 2022 HR2617 - Consolidated Appropriations Act, 2023 S769 - Housing Fairness Act of 2021 S2549 - Mapping Housing Discrimination Act Conversations with the House Select Committee regarding fair housing policy. Disparate Impact HR5376 - Inflation Reduction Act of 2022 Credit Discrimination HR166 - Fair Lending for All Act HR2617 - Consolidated Appropriations Act, 2023 HR8985 - Credit Access and Inclusion Act of 2022 Conversations with the House Financial Services Committee regarding Community Redevelopment Act (CRA) modernization. TILA - Language Access HR3009 - Improving Language Access in Mortgage Servicing Act of 2021 Discrimination in Valuations HR2553 - Real Estate Valuation Fairness and Improvement Act of 2021 Student Loan Debt Communications with the Senate Banking Committee regarding impact of student loan debt on racial justice, borrowers, and the economy Equal Access to Housing and Financial Services Statement for the Record: HFSC Hearing Justice for All: Achieving Racial Equity Through Access to Housing and Financial Services Racial Discrimination in Housing Letter to the Senate Banking Committee for its hearing Separate and Unequal: The Legacy of Racial Discrimination in Housing Unlocking Possibilities Program HR5376 - Inflation Reduction Act of 2022 Downpayment Assistance HR4495 - Downpayment Toward Equity Act Fair Lending Conversations with the Senate Banking Committee regarding fair lending practices and policies. Conversations with the U.S. House of Representatives and the U.S. Senate regarding Fair Housing and downpayment issues. Communications with the Department of Housing and Urban Development regarding homeownership initiatives, appraisal bias.

Client expense: $25,260,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE

H.R. 4495 - Downpayment Toward Equity Act of 2021 H.R. 2553 - Real Estate Valuation Fairness and Improvement Act of 2021 S. 98 - Neighborhood Homes Investment Act S. 5342 - Preserving Homes and Communities Act of 2022 PN1519 - Nomination of David Uejio to be Assistant Secretary of Housing and Urban Development PN433 - Nomination of Solomon Jeffrey Greene to be Assistant Secretary of Housing and Urban Development

Client expense: $90,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process 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 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 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 CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" 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 and innovation 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 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 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-Bases 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 Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox 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 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 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 the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions 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 digital identity legislation Issues related Paid Leave Payroll Tax Credits 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 troubled debt restructuring Issues related to Prompt Corective 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 forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal Issues related to credit union coverage under GNMA rules Issues related to Cryptocurrency and digital assets Issues related to the re-nomination of Todd Harper to the NCUA Board Issues related to examining frameworks to address future pandemic risk Issues related to the NDAA rate cap proposals Issues related to the collection of checks and other items by Federal Reserve Banks and Funds Transfers through Fedwire Issues related to the potential modifications to the Federal Reserve policy on payment system risk Issues related to Small Business Bankruptcy Issues related to mortgage-backed securities insurance Issues related to the state of the rural economy Issues related to financial barriers to minority and women-owned businesses' involvement in infrastructure projects Issues related to the President's working group on financial market's report on stablecoins Issues related to economic impact of growing burden of medical debt Issues related to the Credit Union Employee and Member Safety Act in the FY2022 Omnibus Appropriations Act Issues related to the Interagency Task Force on Property Appraisal and Valuation Equity (PAVE) appraisals Issues related to the National Defense Authorization Act FY2023 Issues related to the Administration of the CDFI Fund Issues related to Central Bank Digital Currency Issues related to National Flood Insurance Program Reauthorization Issues related to Reg. II, Dodd Frank, Durbin Amendment, Section 107531 Issues related to G20 Rome Leaders Declaration Issues related to the United States Innovation and Competition Act of 2021 Issues related to Prompt Corrective Action: Earnings Retention Waivers and Net Worth Restoration Plans Issues related to Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking Issues related to the Truth in Savings Act (TISA) and Part 707 of the NCUA Rules and Regulations Issues related to 40 Year Term Loan Modifications Issues related to data security and interchange fees Issues related to credit union loan maturity limits Issues related to credit union business lending caps Issues related to the administration of the CDFI Fund Issues related to the National Defense Authorization Act and Interchange fee issues Issues related to CDFI recertification applications Issues related to Protecting military service members and veterans from Financial scams and fraud Issues related to new consumer financial products and the impacts to workers Issues related to making the CFPB Accountable to Small Business Act Issues related to cyber incident notification requirements for Federally insured credit unions Issues related to ensuring responsible development of digital assets Issues related to the CFPB ensuring data aggregation services market is Fair, transparent and competitive H.J. Res 35, 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 "National Banks and Federal Savings Associations as Lenders" S.J. Res 15, a joint resolution 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 "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 963, the Forced Arbitration Injustice Repeal (FAIR) Act H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2471, the Consolidated Appropriations Act of 2022 H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3684, Infrastructure Investment and Jobs Act, Sec. 90005, Extension of enterprise guarantee fees H.R. 3958, Central Liquidity Facility Enhancement Act H.R. 3962, SECURE Notarization Act of 2021 H.R. 4277, Overdraft protection legislation H.R. 4495, the Down payment Toward Equity Act of 2021 H.R. 4773, the Consumer Financial Protection Commission Act H.R. 4905, Promoting New and Diverse Depository Institutions Act H.R. 5189, Member Business Loan Expansion Act H.R. 5206, Tax Gap Reform and IRS Enforcement Act H.R. 5305, Extending Government Funding and Delivering Emergency Assistance Act H.R. 5451, Protecting Financial Privacy Act of 2021 H.R. 5912, the Close the ILC Loophole Act H.R. 6889, Credit Union Board Modernization Act H.R. 7003, Expanding Financial Access to Underserved Communities Act H.R. 7022, the Strengthening Cyber-Security for the Financial Sector Act H.R. 7733, the CDFI Bond Guarantee Program Improvement Act of 2022 H.R. 7900, SAFE Banking, amendment #983 by Representative Beatty (OH), Amendment #543 offered by Representatives Dean (PA), Armstrong (ND), Perlmutter (CO),Reschenthalter (PA) and Escobar (TX) H.R. 8152, American Data Privacy and Protection Act H.R. 8294, the Transportation, Housing and Urban development, Agriculture, Rural development, Energy and Water Development, Financial Services and General Government, Interior, Environment, Military Construction, and Veterans affairs Appropriations Act of Fiscal Year 2023 H.R. 8485, the Expanding Access to Credit through Consumer-Permissioned Data Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1625, Securing and Enabling Commerce Using Remote and Electronic Notarization Act S. 1767, the Credit Union Employee and Member Safety Act of 2021 S. 2857, Protection Financial Privacy Act of 2021 S. 3715, E-SIGN Modernization Act of 2022 S. 3813, Veterans Member Business Loan Act S. 4325, Credit Union Board Modernization S. 4356, The Responsible Financial Innovation Act S. 4676, Credit Card Competition Act of 2022 S. 4698, Improving Cybersecurity of Credit Unions Act S. 4879, Expanding Financial Access for Underserved Communities Act S. Amendment 6174, National Defense Authorization Act, Report on Credit and Debit Card

Issues related to fair housing and fair lending. Federal Funding for Fair Housing Enforcement. H.R. 4495 - Downpayment Toward Equity Act of 2021. Nominations of David Uejio and Solomon Green. S.98 - Neighborhood Homes Investment Act. Inflation Reduction Act (H.R. 5376) Public Law 117-169.

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

No bill number: SAVE Act - energy Efficient Mortgage legislation HR 2483 and Sen. Amdmt 2451 to Infrastructure (HR3684): Build More Housing Near Transit Act HR 3684 : President's Build Back Better Infrastructure Legislation - affordable housing, reducing obstacles to growth, housing tax credits, 45L new home energy tax credit HR4495 Downpayment Toward Equity Act - entire bill

Client expense: Not reported · Firm income: $125,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues/Topics Affordable housing Housing finance reform Housing vouchers Rental assistance Special purpose credit programs Low-income housing tax credit Fair housing Public housing Foreclosure/eviction prevention Disaster recovery Zoning reform Construction innovation Bills H.R. 2573 / S. 1136, the Affordable Housing Credit Improvement Act H.R. 6880 / S. 1820, the Choice in Affordable Housing Act H.R. 492, the Supporting Veteran Families in Need Act H.R. 876 / S.612, the Improving Housing Outcomes for Veterans Act H.R. 1257, the Homeless Veterans CREDIT Act H.R. 2419, the Affordable Housing for Homeless Veterans Act S. 1838, the Building Credit Access for Veterans Act S. 2172, the Building Solutions for Veterans Experiencing Homelessness Act H.R. 240, the Homeless Veterans with Children Reintegration Act H.R. 5606, the Return Home to Housing Act H.R. 5376, the Build Back Better Act H.R. 5301, To amend title 38, United States Code H.R. 4707 / S. 2471, the Reforming Disaster Recovery Act S. 2182, the Eviction Crisis Act H.R. 4495, the Down Payment Toward Equity Act H.R. 1728, the Investment and Strategy in Rural Housing Preservation Act S. 1991, the Family Stability and Opportunity Vouchers Act H.R. 2143 / S. 98, the Neighborhood Home Investment Act S. 2190, the Task Force on the Impact of the Affordable Housing Crisis Act S. 902, the Housing Supply and Affordability Act S. 2797, the LIFT Homebuyers Act S. 4445, the Affordable Housing Bond Enhancement Act H.R. 3323 / S. 1684, the Federal Home Loan Banks' Mission Implementation Act H.R. 7078 / S. 4181, the LIFELINE Act H.R. 5376, the Inflation Reduction Act

Client expense: $860,000 · Firm income: Not reported

H.R. 2543 Financial Services Racial Equity, Inclusion, and Economic Justice Act H.R. 2553 Real Estate Valuation Fairness and Improvement Act of 2021 H.R. 3009 Improving Language Access in Mortgage Servicing Act H.R. 3172 HELPER Act H.R. 4155 Green Neighborhoods Act of 2021 H.R. 4495 Downpayment Toward Equity Act of 2022 H.R. 4657 Veteran Home Energy Savings Act H.R. 5915 FHA Fairness Act H.R. 7049 Mortgage Borrower Protection Act of 2022 H.R. 7735 Improving Access to the VA Home Loan Benefit Act of 2022 S. 4208 Improving Access to the VA Home Loan Benefit Act of 2022 S. 1838 Building Credit Access for Veterans Act of 2022 S. 3788 Housing for All Act of 2022 S. 3941 Housing Supply Expansion Act H.R. 8235 Housing Supply Expansion Act S. 4445 Affordable Housing Bond Enhancement Act S.4737 Housing Market Transparency Act S.4872 Strategy and Investment in Rural Housing Preservation Act of 2022 FHA MIP reduction, servicing standards, and other FHA program issues. GNMA Issuer Eligibility standards FHFA Capital and Liquidity Standards for IMBs GSE condo project guidelines

Client expense: $520,000 · Firm income: Not reported

Fair Housing Protections HR5 - Equality Act HR68 - Housing Fairness Act of 2021 HR2471 - Consolidated Appropriations Act, 2022 S769 - Housing Fairness Act of 2021 S2549 - Mapping Housing Discrimination Act Conversations with the House Select Committee regarding fair housing policy. Disparate Impact HR5376 - Inflation Reduction Act of 2022 Credit Discrimination HR166 - Fair Lending for All Act HR8985 - Credit Access and Inclusion Act of 2022 Conversations with the House Financial Services Committee regarding Community Redevelopment Act (CRA) modernization. TILA - Language Access HR3009 - Improving Language Access in Mortgage Servicing Act of 2021 Discrimination in Valuations HR2553 - Real Estate Valuation Fairness and Improvement Act of 2021 Student Loan Debt Communications with the Senate Banking Committee regarding impact of student loan debt on racial justice, borrowers, and the economy Equal Access to Housing and Financial Services Statement for the Record: HFSC Hearing Justice for All: Achieving Racial Equity Through Access to Housing and Financial Services Racial Discrimination in Housing Letter to the Senate Banking Committee for its hearing Separate and Unequal: The Legacy of Racial Discrimination in Housing Unlocking Possibilities Program HR5376 - Inflation Reduction Act of 2022 Downpayment Assistance HR4495 - Downpayment Toward Equity Act Fair Lending Conversations with the Senate Banking Committee regarding fair lending practices and policies. Conversations with the U.S. House of Representatives and the U.S. Senate regarding Fair Housing and downpayment issues.

Client expense: $29,260,000 · Firm income: Not reported

H.R. 4495 - Downpayment Toward Equity Act of 2021 H.R. 8357 - Rent Relief Act of 2022 H.R. 3172 - HELPER Act of 2021 S. 98 - Neighborhood Homes Investment Act S. 4728 - Rent Relief Act of 2022 S. 4181 - LIFELINE Act S. 1820 - Choice in Affordable Housing Act S. 4722 - American Dream Down Payment Act of 2022 S. 4737 - Housing Market Transparency Act S. 2981 - HELPER Act of 2021 PN1519 - Nomination of David Uejio to be Assistant Secretary of Housing and Urban Development PN433 - Nomination of Solomon Jeffrey Greene to be Assistant Secretary of Housing and Urban Development PM767 - Nomination of Julia Gordon to be Assistant Secretary of Housing and Urban Development PN1491 - Nomination of Sandra L. Thompson to be Director of the Federal Housing Finance Agency Legislation related to real estate property valuation.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 68 - Housing Fairness Act - The bill would increase HUDs Fair Housing Initiatives Program by $18 million with the bulk of funds directed to increased discrimination testing under the Private Enforcement Initiative. H.R. 1319 - The American Rescue Plan Act - C.A.R. advocated for financial support for mom-and-pop landlords, the paycheck protection program, and assistance for struggling homeowners. H.R. 1836 - Guard and Reserve GI Bill Parity Act - C.A.R. discussed the provision of the bill that increased and extended fees on VA home loans. H.R. 2126 - Housing Supply and Affordability Act - Will create a housing grant program that state and local governments can apply for to create more housing units. H.R. 3684 - INVEST in America Act - C.A.R. advocated against the Fannie Mae and Freddie Mac fee in the bill used to offset the cost. H.R. 4495 - Downpayment Toward Equity Act - Would provide downpayment assistance for first-generation homebuyers. H.R. 5915 - FHA Fairness Act - Would increase FHA loan limits in certain counties. H.R. 8360 - Housing Oversight and Mitigating Exploitation Act - The is intended to address and deter institutional investors from purchasing single family resident homes. S. 769 - Housing Fairness Act - The bill would increase HUDs Fair Housing Initiatives Program by $18 million with the bulk of funds directed to increased discrimination testing under the Private Enforcement Initiative S. 902 - Housing Supply and Affordability Act - Will create a housing grant program that state and local governments can apply for to create more housing units. S. Con. Res. 14 - The Concurrent Resolution on the Budget for Fiscal Year 2022 - C.A.R. advocated in support of housing provisions that would create incentive for additional housing units, increase funding for Fair Housing enforcement and provide downpayment assistance. C.A.R. advocated on the topic of making housing a part of infrastructure and transportation. C.A.R. advocated to Congress and has submitted comments to HUD asking the FHA and HUD to reduce the FHA mortgage insurance premium and stop the life of the loan premium. C.A.R. advocated for the elimination of risk based pricing by Fannie Mae and Freddie Mac. C.A.R. advocated for the reform of Fannie Mae and Freddie Mac to bring them out of conservatorship. C.A.R. advocated for an increase in funding for HUD's Office of Fair Housing and Equal Opportunity. C.A.R. worked with Congress to improve the Emergency Rental Assistance program. C.A.R. advocated on the implementation of new condominium Questionnaire and rules for Fannie Mae and Freddie Mac loans. C.A.R. advocated on the FHFA announced "Targeted Increases to Enterprise Pricing Framework" that increased fees on conforming jumbo and second/vacation mortgages for Fannie Mae and Freddie Mac loans. C.A.R. discussed the issue of how much federal affordable housing funding went to homeownership programs. This included the Community Development Block Program, Low-Income Housing Tax Credits, and the HOME program. C.A.R. advocated for the removal of FHA Home Equity Conversion Mortgage from the FHA's Forward Mortgage reserve calculation in determining the minimum Mutual Mortgage Insurance Fund reserve. C.A.R. discussed the Property Appraisal and Valuation Equity report. C.A.R. discussed appraisal waivers and desktop appraisals, and their impact in California's real estate market.

Issues related to fair housing and fair lending. Federal Funding for Fair Housing Enforcement. H.R. 4495 - Downpayment Toward Equity Act of 2021. Nominations of David Uejio and Solomon Green. S.98 - Neighborhood Homes Investment Act. Inflation Reduction Act (H.R. 5376) Public Law 117-169.

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

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process 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 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 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 CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" 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 and innovation 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 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 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-Bases 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 Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox 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 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 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 the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions 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 digital identity legislation Issues related Paid Leave Payroll Tax Credits 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 troubled debt restructuring Issues related to Prompt Corective 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 forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal Issues related to credit union coverage under GNMA rules Issues related to Cryptocurrency and digital assets Issues related to the re-nomination of Todd Harper to the NCUA Board Issues related to examining frameworks to address future pandemic risk Issues related to the NDAA rate cap proposals Issues related to the collection of checks and other items by Federal Reserve Banks and Funds Transfers through Fedwire Issues related to the potential modifications to the Federal Reserve policy on payment system risk Issues related to Small Business Bankruptcy Issues related to mortgage-backed securities insurance Issues related to the state of the rural economy Issues related to financial barriers to minority and women-owned businesses' involvement in infrastructure projects Issues related to the President's working group on financial market's report on stablecoins Issues related to economic impact of growing burden of medical debt Issues related to the Credit Union Employee and Member Safety Act in the FY2022 Omnibus Appropriations Act Issues related to the Interagency Task Force on Property Appraisal and Valuation Equity (PAVE) appraisals Issues related to the National Defense Authorization Act FY2023 Issues related to the Administration of the CDFI Fund Issues related to Central Bank Digital Currency Issues related to National Flood Insurance Program Reauthorization Issues related to Reg. II, Dodd Frank, Durbin Amendment, Section 107531 Issues related to G20 Rome Leaders Declaration Issues related to the United States Innovation and Competition Act of 2021 Issues related to Prompt Corrective Action: Earnings Retention Waivers and Net Worth Restoration Plans Issues related to Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking Issues related to the Truth in Savings Act (TISA) and Part 707 of the NCUA Rules and Regulations Issues related to 40 Year Term Loan Modifications Issues related to data security and interchange fees Issues related to credit union loan maturity limits Issues related to credit union business lending caps Issues related to the administration of the CDFI Fund Issues related to the National Defense Authorization Act and Interchange fee issues Issues related to CDFI recertification applications Issues related to Protecting military service members and veterans from Financial scams and fraud Issues related to new consumer financial products and the impacts to workers Issues related to making the CFPB Accountable to Small Business Act Issues related to cyber incident notification requirements for Federally insured credit unions Issues related to ensuring responsible development of digital assets Issues related to the CFPB ensuring data aggregation services market is Fair, transparent and competitive H.J. Res 35, 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 "National Banks and Federal Savings Associations as Lenders" S.J. Res 15, a joint resolution 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 "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 963, the Forced Arbitration Injustice Repeal (FAIR) Act H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2471, the Consolidated Appropriations Act of 2022 H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3684, Infrastructure Investment and Jobs Act, Sec. 90005, Extension of enterprise guarantee fees H.R. 3958, Central Liquidity Facility Enhancement Act H.R. 3962, SECURE Notarization Act of 2021 H.R. 4277, Overdraft protection legislation H.R. 4495, the Down payment Toward Equity Act of 2021 H.R. 4773, the Consumer Financial Protection Commission Act H.R. 4905, Promoting New and Diverse Depository Institutions Act H.R. 5189, Member Business Loan Expansion Act H.R. 5206, Tax Gap Reform and IRS Enforcement Act H.R. 5305, Extending Government Funding and Delivering Emergency Assistance Act H.R. 5451, Protecting Financial Privacy Act of 2021 H.R. 5912, the Close the ILC Loophole Act H.R. 6889, Credit Union Board Modernization Act H.R. 7003, Expanding Financial Access to Underserved Communities Act H.R. 7022, the Strengthening Cyber-Security for the Financial Sector Act H.R. 7733, the CDFI Bond Guarantee Program Improvement Act of 2022 H.R. 7900, SAFE Banking, amendment #983 by Representative Beatty (OH), Amendment #543 offered by Representatives Dean (PA), Armstrong (ND), Perlmutter (CO),Reschenthalter (PA) and Escobar (TX) H.R. 8152, American Data Privacy and Protection Act H.R. 8294, the Transportation, Housing and Urban development, Agriculture, Rural development, Energy and Water Development, Financial Services and General Government, Interior, Environment, Military Construction, and Veterans affairs Appropriations Act of Fiscal Year 2023 H.R. 8485, the Expanding Access to Credit through Consumer-Permissioned Data Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1625, Securing and Enabling Commerce Using Remote and Electronic Notarization Act S. 1767, the Credit Union Employee and Member Safety Act of 2021 S. 2857, Protection Financial Privacy Act of 2021 S. 3715, E-SIGN Modernization Act of 2022 S. 3813, Veterans Member Business Loan Act S. 4325, Credit Union Board Modernization S. 4356, The Responsible Financial Innovation Act S. 4676, Credit Card Competition Act of 2022 S. 4698, Improving Cybersecurity of Credit Unions Act S. 4879, Expanding Financial Access for Underserved Communities Act S. Amendment 6174, National Defense Authorization Act, Report on Credit and Debit Card

No bill number: SAVE Act - energy Efficient Mortgage legislation HR 2483 and Sen. Amdmt 2451 to Infrastructure (HR3684): Build More Housing Near Transit Act HR 3684 : President's Build Back Better Infrastructure Legislation - affordable housing, reducing obstacles to growth, housing tax credits, 45L new home energy tax credit HR4495 Downpayment Toward Equity Act - entire bill

Client expense: Not reported · Firm income: $125,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Fair Housing Protections HR5 - Equality Act HR68 - Housing Fairness Act of 2021 HR2471 - Consolidated Appropriations Act, 2022 S769 - Housing Fairness Act of 2021 S2549 - Mapping Housing Discrimination Act Conversations with the House Select Committee regarding fair housing policy. Disparate Impact HR5376 - Build Back Better Act Credit Discrimination HR166 - Fair Lending for All Act TILA - Language Access HR3009 - Improving Language Access in Mortgage Servicing Act of 2021 Discrimination in Valuations HR2553 - Real Estate Valuation Fairness and Improvement Act of 2021 Student Loan Debt Communications with the Senate Banking Committee regarding impact of student loan debt on racial justice, borrowers, and the economy Equal Access to Housing and Financial Services Statement for the Record: HFSC Hearing Justice for All: Achieving Racial Equity Through Access to Housing and Financial Services Racial Discrimination in Housing Letter to the Senate Banking Committee for its hearing Separate and Unequal: The Legacy of Racial Discrimination in Housing Unlocking Possibilities Program HR5376 - Build Back Better Act Downpayment Assistance HR4495 - Downpayment Toward Equity Act Conversations with the U.S. House of Representatives and the U.S. Senate regarding Fair Housing and downpayment issues. Discussions with the Federal Housing Finance Agency (FHFA) regarding a fair housing database.

Client expense: $14,820,000 · Firm income: Not reported

H.R. 5788 - Preventing Sexual Harassment in Public Housing Act H.R. 4495 - Downpayment Toward Equity Act of 2021 S. 98 - Neighborhood Homes Investment Act H.R. 68 - Housing Fairness Act of 2021 H.R. 7739 - Affordable Housing and Area Median Income Fairness Act of 2022 HR 7049, the Mortgage Borrower Protection Act PN1519 - Nomination of David Uejio to be Assistant Secretary of Housing and Urban Development PN433 - Nomination of Solomon Jeffrey Greene to be Assistant Secretary of Housing and Urban Development PM767 - Nomination of Julia Gordon to be Assistant Secretary of Housing and Urban Development PN1491 - Nomination of Sandra L. Thompson to be Director of the Federal Housing Finance Agency PN433 - Nomination of Solomon Jeffrey Greene to be Assistant Secretary of Housing and Urban Development PN1527 - James Arthur Jemison II - Department of Housing and Urban Development

Client expense: $90,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2543Financial Services Racial Equity, Inclusion, and Economic Justice Act H.R. 3009Improving Language Access in Mortgage Servicing Act H.R. 3172HELPER Act H.R. 4155Green Neighborhoods Act of 2021 H.R. 4495 Downpayment Toward Equity Act of 2022 H.R. 4657Veteran Home Energy Savings Act H.R. 5915FHA Fairness Act H.R. 7049Mortgage Borrower Protection Act of 2022 H.R. 7735Improving Access to the VA Home Loan Benefit Act of 2022 S. 1838 Building Credit Access for Veterans Act of 2022 S. 3788 Housing for All Act of 2022 S. 3941 Housing Supply Expansion Act H.R. 8235Housing Supply Expansion Act S. 4445 Affordable Housing Bond Enhancement Act FHFA Prudential Standards for IMBs Enterprise Equitable Housing Finance Plans FHFA UMBS Fee CFPB matters related to QM rule Special purpose credit programs (SPCPs) Unfair, Deceptive, or Abusive Acts or Practices (UDAAPs) HUD Issues related to FHA Servicing matters Mortgage Insurance Premium Handbook revisions

Client expense: $860,000 · Firm income: Not reported

Issues/Topics Affordable housing Housing finance reform Housing vouchers Rental assistance Special purpose credit programs Low-income housing tax credit Fair housing Public housing Foreclosure/eviction prevention Disaster recovery Zoning reform Construction innovation Bills H.R. 2573/S. 1136, the Affordable Housing Credit Improvement Act H.R. 6880/S. 1820, the Choice in Affordable Housing Act H.R. 492, the Supporting Veteran Families in Need Act H.R. 876/S.612, the Improving Housing Outcomes for Veterans Act H.R. 1257, the Homeless Veterans CREDIT Act H.R. 2419, the Affordable Housing for Homeless Veterans Act S. 1838, the Building Credit Access for Veterans Act S. 2172, the Building Solutions for Veterans Experiencing Homelessness Act H.R. 240, the Homeless Veterans with Children Reintegration Act H.R. 5606, the Return Home to Housing Act H.R. 5376, the Build Back Better Act H.R. 5301 H.R. 4707/S. 2471, the Reforming Disaster Recovery Act S. 2182, the Eviction Crisis Act H.R. 4495, the Down payment Toward Equity Act H.R. 1728, the Investment and Strategy in Rural Housing Preservation Act S. 1991, the Family Stability and Opportunity Vouchers Act S. 98/H.R. 2143, the Neighborhood Home Investment Act S. 2190, the Task Force on the Impact of the Affordable Housing Crisis Act S. 902, the Housing Supply and Affordability Act S. 2797, the LIFT Homebuyers Act S. 4445, the Affordable Housing Bond Enhancement Act H.R. 3323/S. 1684, the Federal Home Loan Banks' Mission Implementation Act

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

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process 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 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 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 CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" 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 and innovation 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 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 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-Bases 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 Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox 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 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 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 the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions 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 digital identity legislation Issues related Paid Leave Payroll Tax Credits 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 troubled debt restructuring Issues related to Prompt Corective 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 forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal Issues related to credit union coverage under GNMA rules Issues related to Cryptocurrency and digital assets Issues related to the re-nomination of Todd Harper to the NCUA Board Issues related to examining frameworks to address future pandemic risk Issues related to the NDAA rate cap proposals Issues related to the collection of checks and other items by Federal Reserve Banks and Funds Transfers through Fedwire Issues related to the potential modifications to the Federal Reserve policy on payment system risk Issues related to Small Business Bankruptcy Issues related to mortgage-backed securities insurance Issues related to the state of the rural economy Issues related to financial barriers to minority and women-owned businesses' involvement in infrastructure projects Issues related to the President's working group on financial market's report on stablecoins Issues related to economic impact of growing burden of medical debt Issues related to the Credit Union Employee and Member Safety Act in the FY2022 Omnibus Appropriations Act Issues related to the Interagency Task Force on Property Appraisal and Valuation Equity (PAVE) appraisals Issues related to the National Defense Authorization Act FY2023 Issues related to the Administration of the CDFI Fund Issues related to Central Bank Digital Currency Issues related to National Flood Insurance Program Reauthorization Issues related to Reg. II, Dodd Frank, Durbin Amendment, Section 107531 Issues related to G20 Rome Leaders Declaration Issues related to the United States Innovation and Competition Act of 2021 Issues related to Prompt Corrective Action: Earnings Retention Waivers and Net Worth Restoration Plans Issues related to Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking Issues related to the Truth in Savings Act (TISA) and Part 707 of the NCUA Rules and Regulations Issues related to 40 Year Term Loan Modifications H.J. Res 35, 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 "National Banks and Federal Savings Associations as Lenders" S.J. Res 15, a joint resolution 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 "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 963, the Forced Arbitration Injustice Repeal (FAIR) Act H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2471, the Consolidated Appropriations Act of 2022 H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3684, Infrastructure Investment and Jobs Act, Sec. 90005, Extension of enterprise guarantee fees H.R. 3958, Central Liquidity Facility Enhancement Act H.R. 3962, SECURE Notarization Act of 2021 H.R. 4495, the Downpayment Toward Equity Act of 2021 H.R. 4773, the Consumer Financial Protection Commission Act H.R. 4905, Promoting New and Diverse Depository Institutions Act H.R. 5189, Member Business Loan Expansion Act H.R. 5206, Tax Gap Reform and IRS Enforcement Act H.R. 5305, Extending Government Funding and Delivering Emergency Assistance Act H.R. 5451, Protecting Financial Privacy Act of 2021 H.R. 5912, the Close the ILC Loophole Act H.R. 6889, Credit Union Board Modernization Act H.R. 7003, Expanding Financial Access to Underserved Communities Act H.R. 8152, American Data Privacy and Protection Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1625, Securing and Enabling Commerce Using Remote and Electronic Notarization Act S. 1767, the Credit Union Employee and Member Safety Act of 2021 S. 2857, Protection Financial Privacy Act of 2021 S. 3715, E-SIGN Modernization Act of 2022 S. 3813, Veterans Member Business Loan Act S. 4325, Credit Union Board Modernization S. 4356, The Responsible Financial Innovation Act

Issues related to fair housing and fair lending. Nominations to the FHFA and Federal Reserve. Federal Funding for Fair Housing Enforcement. H.R. 5376 - Build Back Better. H.R. 4495 - Downpayment Toward Equity Act of 2021. H.R. 68 - Housing Fairness Act of 2021.

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

H.R. 68 - Housing Fairness Act - The bill would increase HUDs Fair Housing Initiatives Program by $18 million with the bulk of funds directed to increased discrimination testing under the Private Enforcement Initiative. H.R. 1319 - The American Rescue Plan Act - C.A.R. advocated for financial support for mom-and-pop landlords, the paycheck protection program, and assistance for struggling homeowners. H.R. 1836 - Guard and Reserve GI Bill Parity Act - C.A.R. discussed the provision of the bill that increased and extended fees on VA home loans. H.R. 2126 - Housing Supply and Affordability Act - Will create a housing grant program that state and local governments can apply for to create more housing units. H.R. 3684 - INVEST in America Act - C.A.R. advocated against the Fannie Mae and Freddie Mac fee in the bill used to offset the cost. H.R. 4495 - Downpayment Toward Equity Act - Would provide downpayment assistance for first-generation homebuyers. H.R. 5915 - FHA Fairness Act - Would increase FHA loan limits in certain counties. S. 769 - Housing Fairness Act - The bill would increase HUDs Fair Housing Initiatives Program by $18 million with the bulk of funds directed to increased discrimination testing under the Private Enforcement Initiative S. 902 - Housing Supply and Affordability Act - Will create a housing grant program that state and local governments can apply for to create more housing units. S. Con. Res. 14 - The Concurrent Resolution on the Budget for Fiscal Year 2022 - C.A.R. advocated in support of housing provisions that would create incentive for additional housing units, increase funding for Fair Housing enforcement and provide downpayment assistance. C.A.R. advocated on the topic of making housing a part of infrastructure and transportation. C.A.R. advocated to Congress and has submitted comments to HUD asking the FHA and HUD to reduce the FHA mortgage insurance premium and stop the life of the loan premium. C.A.R. advocated for the elimination of risk based pricing by Fannie Mae and Freddie Mac. C.A.R. advocated for the reform of Fannie Mae and Freddie Mac to bring them out of conservatorship. C.A.R. advocated for an increase in funding for HUD's Office of Fair Housing and Equal Opportunity. C.A.R. worked with Congress to improve the Emergency Rental Assistance program. C.A.R. advocated on the implementation of new condominium Questionnaire and rules for Fannie Mae and Freddie Mac loans. C.A.R. advocated on the FHFA announced "Targeted Increases to Enterprise Pricing Framework" that increased fees on conforming jumbo and second/vacation mortgages for Fannie Mae and Freddie Mac loans. C.A.R. discussed the issue of how much federal affordable housing funding went to homeownership programs. This included the Community Development Block Program, Low-Income Housing Tax Credits, and the HOME program. C.A.R. advocated for the removal of FHA Home Equity Conversion Mortgage from the FHA's Forward Mortgage reserve calculation in determining the minimum Mutual Mortgage Insurance Fund reserve. C.A.R. discussed the Property Appraisal and Valuation Equity report. C.A.R. discussed appraisal waivers and desktop appraisals, and their impact in California's real estate market.

No bill number: SAVE Act - energy Efficient Mortgage legislation HR 2483 and Sen. Amdmt 2451 to Infrastructure (HR3684): Build More Housing Near Transit Act HR 3684 : President's Build Back Better Infrastructure Legislation - affordable housing, reducing obstacles to growth, housing tax credits, 45L new home energy tax credit HR4495 Downpayment Toward Equity Act - entire bill

Client expense: Not reported · Firm income: $125,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1.Nomination of Julia Gordon for FHA Commissioner 2.Nomination of Sandra Thompson for FHFA Director 3.FHFA OIG report on supervision 4.GSE Equity Plans 5.HR 7022, Strengthening Cybersecurity for the Financial Sector Act of 2022 6.P.L. 116-136, CARES Act - implementation issues related to mortgage forbearance and servicer liquidity 7.Issues related to mortgage servicer implementation of borrower forbearance and other borrower assistance under the CARES Act and The American Rescue Plan (Homeowner Assistance Fund). 8.Issues related to appraisal regulation and down payment assistance 9.HR 5376, Build Back Better Act 10.S. 2428 - False Claims Amendments Act of 2021 11.S 2429 - Administrative False Claims Act of 2021 12.HR 2543, Federal Reserve Racial & Economic Equity Act 13.HR 7049, Mortgage Borrower Protection Act of 2022 14.S 1625, HR 3962 Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2021 15.HR 2553, Real Estate Valuation Fairness and Improvement Act of 2021 16.HR 4495, Downpayment Toward Equity Act of 2021

Client expense: $150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1.Nomination of Julia Gordon for FHA Commissioner 2.Nomination of Sandra Thompson for FHFA Director 3.FHFA OIG report on supervision 4.GSE Equity Plans 5.HR 7022, Strengthening Cybersecurity for the Financial Sector Act of 2022 6.P.L. 116-136, CARES Act - implementation issues related to mortgage forbearance and servicer liquidity 7.Issues related to mortgage servicer implementation of borrower forbearance and other borrower assistance under the CARES Act and The American Rescue Plan (Homeowner Assistance Fund). 8.Issues related to appraisal regulation and down payment assistance 9.HR 5376, Build Back Better Act 10.S. 2428 - False Claims Amendments Act of 2021 11.S 2429 - Administrative False Claims Act of 2021 12.HR 2543, Federal Reserve Racial & Economic Equity Act 13.HR 7049, Mortgage Borrower Protection Act of 2022 14.S 1625, HR 3962 Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2021 15.HR 2553, Real Estate Valuation Fairness and Improvement Act of 2021 16.HR 4495, Downpayment Toward Equity Act of 2021

Client expense: $150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1.Nomination of Julia Gordon for FHA Commissioner 2.Nomination of Sandra Thompson for FHFA Director 3.FHFA OIG report on supervision 4.GSE Equity Plans 5.HR 7022, Strengthening Cybersecurity for the Financial Sector Act of 2022 6.P.L. 116-136, CARES Act - implementation issues related to mortgage forbearance and servicer liquidity 7.Issues related to mortgage servicer implementation of borrower forbearance and other borrower assistance under the CARES Act and The American Rescue Plan (Homeowner Assistance Fund). 8.Issues related to appraisal regulation and down payment assistance 9.HR 5376, Build Back Better Act 10.S. 2428 - False Claims Amendments Act of 2021 11.S 2429 - Administrative False Claims Act of 2021 12.HR 2543, Federal Reserve Racial & Economic Equity Act 13.HR 7049, Mortgage Borrower Protection Act of 2022 14.S 1625, HR 3962 Securing and Enabling Commerce Using Remote and Electronic Notarization Act of 2021 15.HR 2553, Real Estate Valuation Fairness and Improvement Act of 2021 16.HR 4495, Downpayment Toward Equity Act of 2021

Client expense: $150,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Housing (Michael Kelley, Michele Stockwell) House and Senate Issues/Topics Affordable housing Housing finance reform Housing vouchers Rental assistance Special purpose credit programs Low-income housing tax credit Fair housing Public housing Foreclosure/eviction prevention Disaster recovery Zoning reform Bills H.R. 2573/S. 1136, the Affordable Housing Credit Improvement Act H.R. 6880/S. 1820, the Choice in Affordable Housing Act H.R. 492, the Supporting Veteran Families in Need Act H.R. 876/S.612, the Improving Housing Outcomes for Veterans Act H.R. 1257, the Homeless Veterans CREDIT Act H.R. 2419, the Affordable Housing for Homeless Veterans Act S. 1838, the Building Credit Access for Veterans Act S. 2172, the Building Solutions for Veterans Experiencing Homelessness Act H.R. 240, the Homeless Veterans with Children Reintegration Act H.R. 5606, the Return Home to Housing Act H.R. 5376, the Build Back Better Act H.R. 5301 H.R. 4707/S. 2471, the Reforming Disaster Recovery Act S. 2182, the Eviction Crisis Act H.R. 4495, the Down payment Toward Equity Act H.R. 1728, the Investment and Strategy in Rural Housing Preservation Act S. 1991, the Family Stability and Opportunity Vouchers Act S. 98/H.R. 2143, the Neighborhood Home Investment Act S. 2190, the Task Force on the Impact of the Affordable Housing Crisis Act S. 902, the Housing Supply and Affordability Act S. 2797, the LIFT Homebuyers Act

Client expense: $630,000 · Firm income: Not reported

H.R. 4497 - Housing is Infrastructure Act of 2021 H.R. 4495 - Downpayment Toward Equity Act of 2021 H.R. 2143 - Neighborhood Homes Investment Act H.R. 2553 - Real Estate Valuation Fairness and Improvement Act of 2021 S. 98 - Neighborhood Homes Investment Act S. 2920 - Downpayment Toward Equity Act of 2021 PN1519 - Nomination of David Uejio to be Assistant Secretary of Housing and Urban Development PN433 - Nomination of Solomon Jeffrey Greene to be Assistant Secretary of Housing and Urban Development PM767 - Nomination of Julia Gordon to be Assistant Secretary of Housing and Urban Development PN1491 - Nomination of Sandra L. Thompson to be Director of the Federal Housing Finance Agency

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Housing (Michael Kelley, Michele Stockwell) House and Senate Issues/Topics Affordable housing Housing finance reform Housing vouchers Rental assistance Special purpose credit programs Low-income housing tax credit Fair housing Public housing Foreclosure/eviction prevention Disaster recovery Zoning reform Bills H.R. 2573/S. 1136, the Affordable Housing Credit Improvement Act H.R. 6880/S. 1820, the Choice in Affordable Housing Act H.R. 492, the Supporting Veteran Families in Need Act H.R. 876/S.612, the Improving Housing Outcomes for Veterans Act H.R. 1257, the Homeless Veterans CREDIT Act H.R. 2419, the Affordable Housing for Homeless Veterans Act S. 1838, the Building Credit Access for Veterans Act S. 2172, the Building Solutions for Veterans Experiencing Homelessness Act H.R. 240, the Homeless Veterans with Children Reintegration Act H.R. 5606, the Return Home to Housing Act H.R. 5376, the Build Back Better Act H.R. 5301 H.R. 4707/S. 2471, the Reforming Disaster Recovery Act S. 2182, the Eviction Crisis Act H.R. 4495, the Down payment Toward Equity Act H.R. 1728, the Investment and Strategy in Rural Housing Preservation Act S. 1991, the Family Stability and Opportunity Vouchers Act S. 98/H.R. 2143, the Neighborhood Home Investment Act S. 2190, the Task Force on the Impact of the Affordable Housing Crisis Act S. 902, the Housing Supply and Affordability Act S. 2797, the LIFT Homebuyers Act

Client expense: $620,000 · Firm income: Not reported

Affordable housing, housing finance reform, housing vouchers, rental assistance, special purpose credit programs, low-income housing tax credit, fair housing, public housing, foreclosure/eviction prevention, disaster recovery, zoning reform H.R. 2573/S. 1136, the Affordable Housing Credit Improvement Act S. 1820, the Choice in Affordable Housing Act H.R. 492, the Supporting Veteran Families in Need Act H.R. 876/S.612, the Improving Housing Outcomes for Veterans Act H.R. 1257, the Homeless Veterans CREDIT Act H.R. 2419, the Affordable Housing for Homeless Veterans Act S. 1838, the Building Credit Access for Veterans Act S. 2172, the Building Solutions for Veterans Experiencing Homelessness Act H.R. 240, the Homeless Veterans with Children Reintegration Act H.R. 5606, the Return Home to Housing Act H.R. 5376, the Build Back Better Act H.R. 5301 H.R. 4707/S. 2471, the Reforming Disaster Recovery Act S. 2182, the Eviction Crisis Act H.R. 4495, the Downpayment Toward Equity Act H.R. 1728, the Investment and Strategy in Rural Housing Preservation Act S. 1991, the Family Stability and Opportunity Vouchers Act S. 98/H.R. 2143, the Neighborhood Home Investment Act S. 2190, the Task Force on the Impact of the Affordable Housing Crisis Act S. 902, the Housing Supply and Affordability Act S. 2797, the LIFT Homebuyers Act

Client expense: $610,000 · Firm income: Not reported

H.R. 2126 -Housing Supply and Affordability Act H.R. 2483 -Build More Housing Near Transit Act H.R. 2553 -Real Estate Valuation and Fairness Act H.R. 2768 -American Housing and Economic Mobility Act H.R. 2851 -Affordable Housing Preservation Act H.R. 3009 -Improving Language Access in Mortgage Servicing Act H.R. 3172 -HELPER Act H.R. 3198 -Yes In My Back Yard Act H.R. 3680 -Promoting Affordable Housing Near Transit Act H.R. 3684 -INVEST in America Act H.R. 3913 -Renter Protection Act H.R. 4495 -Downpayment Toward Equity Act of 2021 H.R. 4502 -Labor, Health and Human Services, Education, Agriculture, Rural Development, Energy and Water Development, Financial Services and General Government, Interior, Environment, Military Construction, Veterans Affairs, Transportation, and Housing and Urban Development Appropriations Act, 2022 H.R. 5196 -Expediting Assistance to Renters and Landlords Act of 2021 S. 902 -Housing Supply and Affordability Act S. 1614 -Yes In My Back Yard Act S. 1820-Choice in Affordable Housing Act S. 2131-Improving FHA Support For Small Dollar Mortgages Act S. 2797-LIFT Homebuyers Act of 2021 H.R. 5915 -FHA Fairness Act H.R. 6119 -Further Extending Government Funding Act H.R. 4155 -Green Neighborhoods Act H.R. 4657 -Veteran Home Energy Savings Act

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

H.R. 2126 -Housing Supply and Affordability Act H.R. 2483 -Build More Housing Near Transit Act H.R. 2553 -Real Estate Valuation and Fairness Act H.R. 2768 -American Housing and Economic Mobility Act H.R. 2851 -Affordable Housing Preservation Act H.R. 3009 -Improving Language Access in Mortgage Servicing Act H.R. 3172 -HELPER Act H.R. 3198 -Yes In My Back Yard Act H.R. 3680 -Promoting Affordable Housing Near Transit Act H.R. 3684 -INVEST in America Act H.R. 3913 -Renter Protection Act H.R. 4495 -Downpayment Toward Equity Act of 2021 H.R. 4502 -Labor, Health and Human Services, Education, Agriculture, Rural Development, Energy and Water Development, Financial Services and General Government, Interior, Environment, Military Construction, Veterans Affairs, Transportation, and Housing and Urban Development Appropriations Act, 2022 H.R. 5196 -Expediting Assistance to Renters and Landlords Act of 2021 S. 902 -Housing Supply and Affordability Act S. 1614 -Yes In My Back Yard Act S. 1820-Choice in Affordable Housing Act S. 2131-Improving FHA Support For Small Dollar Mortgages Act S. 2797-LIFT Homebuyers Act of 2021

Client expense: $660,000 · Firm income: Not reported

H.R. 2126 -Housing Supply and Affordability Act H.R. 2483 -Build More Housing Near Transit Act H.R. 2553 -Real Estate Valuation and Fairness Act H.R. 2768 -American Housing and Economic Mobility Act H.R. 2851 -Affordable Housing Preservation Act H.R. 3009 -Improving Language Access in Mortgage Servicing Act H.R. 3172 -HELPER Act H.R. 3198 -Yes In My Back Yard Act H.R. 3680 -Promoting Affordable Housing Near Transit Act H.R. 3684 -INVEST in America Act H.R. 3913 -Renter Protection Act H.R. 4495 -Downpayment Toward Equity Act of 2021 H.R. 4502 -Labor, Health and Human Services, Education, Agriculture, Rural Development, Energy and Water Development, Financial Services and General Government, Interior, Environment, Military Construction, Veterans Affairs, Transportation, and Housing and Urban Development Appropriations Act, 2022 H.R. 5196 -Expediting Assistance to Renters and Landlords Act of 2021 S. 902 -Housing Supply and Affordability Act S. 1614 -Yes In My Back Yard Act S. 1820-Choice in Affordable Housing Act S. 2131-Improving FHA Support For Small Dollar Mortgages Act S. 2797-LIFT Homebuyers Act of 2021 H.R. 5915 -FHA Fairness Act H.R. 6119 -Further Extending Government Funding Act H.R. 4155 -Green Neighborhoods Act H.R. 4657 -Veteran Home Energy Savings Act

Client expense: $570,000 · Firm income: Not reported

Low-income housing tax credit ( Point of Order) LIHTC changes LIHTC Research Bills: S.2820 "Decent, Affordable, Safe Housing (DASH) Act" H.R.5219 "Affordable Housing Equity Act of 2021" H.R. 4495 Downpayment Toward Equity Act of 2021 S. 2920 Downpayment Toward Equity Act of 2021 H.R. 4497 Housing is Infrastructure Act of 2021

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 4497 - Housing is Infrastructure Act of 2021 H.R. 4495 - Downpayment Toward Equity Act of 2021 H.R. 2143 - Neighborhood Homes Investment Act S. 98 - Neighborhood Homes Investment Act S. 2920 - Downpayment Toward Equity Act of 2021 PN433 - Nomination of Solomon Jeffrey Greene to be Assistant Secretary of Housing and Urban Development PM767 - Nomination of Julia Gordon to be Assistant Secretary of Housing and Urban Development

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Affordable housing, housing finance reform, housing vouchers, rental assistance, special purpose credit programs, low-income housing tax credit, fair housing, public housing, foreclosure/eviction prevention, disaster recovery, zoning reform H.R. 2573/S. 1136, the Affordable Housing Credit Improvement Act S. 1820, the Choice in Affordable Housing Act H.R. 492, the Supporting Veteran Families in Need Act H.R. 876/S.612, the Improving Housing Outcomes for Veterans Act H.R. 1257, the Homeless Veterans CREDIT Act H.R. 2419, the Affordable Housing for Homeless Veterans Act S. 1838, the Building Credit Access for Veterans Act S. 2172, the Building Solutions for Veterans Experiencing Homelessness Act H.R. 240, the Homeless Veterans with Children Reintegration Act H.R. 5606, the Return Home to Housing Act H.R. 5376, the Build Back Better Act H.R. 5301 H.R. 4707/S. 2471, the Reforming Disaster Recovery Act S. 2182, the Eviction Crisis Act H.R. 4495, the Downpayment Toward Equity Act H.R. 1728, the Investment and Strategy in Rural Housing Preservation Act S. 1991, the Family Stability and Opportunity Vouchers Act S. 98/H.R. 2143, the Neighborhood Home Investment Act S. 2190, the Task Force on the Impact of the Affordable Housing Crisis Act S. 902, the Housing Supply and Affordability Act S. 2797, the LIFT Homebuyers Act

Client expense: $580,000 · Firm income: Not reported

H.R. 4497 - Housing is Infrastructure Act of 2021 H.R. 4495 - Downpayment Toward Equity Act of 2021 H.R. 4791 - Protecting Renters from Evictions Act of 2021 H.R. 2143 - Neighborhood Homes Investment Act S. 98 - Neighborhood Homes Investment Act S. 2920 - Downpayment Toward Equity Act of 2021 S. 2578 - Protecting Renters from Evictions Act of 2021 PN433 - Nomination of Solomon Jeffrey Greene to be Assistant Secretary of Housing and Urban Development

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2126 -Housing Supply and Affordability Act H.R. 2483 -Build More Housing Near Transit Act H.R. 2553 -Real Estate Valuation and Fairness Act H.R. 2768 -American Housing and Economic Mobility Act H.R. 2851 -Affordable Housing Preservation Act H.R. 3009 -Improving Language Access in Mortgage Servicing Act H.R. 3172 -HELPER Act H.R. 3198 -Yes In My Back Yard Act H.R. 3680 -Promoting Affordable Housing Near Transit Act H.R. 3684 -INVEST in America Act H.R. 3913 -Renter Protection Act H.R. 4495 -Downpayment Toward Equity Act of 2021 H.R. 4502 -Labor, Health and Human Services, Education, Agriculture, Rural Development, Energy and Water Development, Financial Services and General Government, Interior, Environment, Military Construction, Veterans Affairs, Transportation, and Housing and Urban Development Appropriations Act, 2022 H.R. 5196 -Expediting Assistance to Renters and Landlords Act of 2021 S. 902 -Housing Supply and Affordability Act S. 1614 -Yes In My Back Yard Act S. 1820-Choice in Affordable Housing Act S. 2131-Improving FHA Support For Small Dollar Mortgages Act S. 2797-LIFT Homebuyers Act of 2021

Client expense: $650,000 · Firm income: Not reported

PN433 - Nomination of Solomon Jeffrey Greene to be Assistant Secretary of Housing and Urban Development H.R. 4497 - Housing is Infrastructure Act of 2021 H.R. 4496 - Ending Homelessness Act of 2021 H.R. 4495 - Downpayment Toward Equity Act of 2021 H.R. 2768 - American Housing and Economic Mobility Act of 2021 H.R. 2126 - Housing Supply and Affordability Act H.R. 3198 - Yes In My Backyard Act S. 1614 - Yes In My Backyard Act S. 902 - Housing Supply and Affordability Act S. 1368 - American Housing and Economic Mobility Act of 2021

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE