A bill to extend the temporary suspension of duty on compound of strontium chloroapatite-europium.

HR 1064; HR 1155; S 534; S 1926 National Association of Registered Agent and Brokers Reform Act; Issue: reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. We support these bills. HR 508 Reauthorize the Terrorism Risk Insurance Act (TRIA) for 5 years; HR 1945 and HR 2146 (10 year TRIA ext); S. 2244 (7 years) support these bills; HR 4871 House Fin Services Comm TRIA bill (5 years) concern with program changesHR 4510/S 2012/S 2270 Insurance Capital Standards Clarification Act of 2014 and S 1369 Capital Standards for the Business of Insurance, support these bills to provide flexibility for the Federal Reserve in setting insurance capital requirements. HR 4669 - Servicemembers Insurance Relief Act; monitoring issue to see if new requirements will be established H Res 735/S Res 561 Expressing concern about the lack of transparency at International Association of Insurance Supervisors meetings; support these resolutions

Client expense: $70,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1261 - Overdraft Protection Act of 2013 - Provisions related to caps & limitations on overdraft charges S 710 - Bill to provide commercial banks & S&Ls an exemption from Dodd-Frank Act provisions requiring the regulation of municipal advisors - provisions to exempt certain bank employees from being considered municipal advisors for purposes of Dodd-Frank.HR 1750 - Regulatory Relief Act - Provisions related to exemptions from the qualified mortgage requirements and privacy notice requirements. HR 3317 - Holding Individuals Accountable & Deterring Money Laundering Act - Provisions to strengthen the Federal statutes designed to deter money laundering and terrorism financing. HR 3770 - Homeowner Flood Insurance Affordability Act - Provisions addressing issues with the affordability of the National Flood Insurance program and mapping issues. S 1720 - Patent reform legislation that addresses nuisance litigation of patent trolls - Provisions addressing patent reform. S 1926 - Combining National Flood Insurance Programs reforms with NARAB II - Provisions regarding escrow requirements under flood insurance program. HR 4466 - Financial Regulatory Clarity Act - Provisions regarding regulatory processes to determine duplicative rules and regulations S 635 - Privacy Notice Bill - Eliminating the need to send GLBA privacy notices if a financial institution has not changed its privacy policy in the last year.

Client expense: $141,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to insurance regulatory reform and agent compensation; H.R. 1155, S. 534, S. 650, H.R. 2328, S. 2175, S. 2173, S. 1926, H.R. 4871, S.2244. Issues related to the implementation of the Dodd-Frank Wall Street Reform Act of 2010; H.R. 1627, H.R. 2374, H.R. 797, H.R. 4510, H.R. 5461, S. 2102, S. 2270. Issues related to the implementation of of the Patient Protection and Affordable Care Act; H.R. 544, H.R. 2995, H.R. 2575, S. 1926, S. 1188, H.R. 4418, H.R. 3522, S. 2808. Issues related to terrorism risk insurance; H.R. 508, H.R. 2146, H.R. 4871, S. 2244. Issues related to flood risk insurance; H.R. 3370, S. 1846, S. 1926. Issues related to the regulation of insurance competition, products with guarantees, individual and employer owned policies, and fiduciary-client relationships; H.R. 2374. Issues related to capital standards for insurance providers; H.R. 4510, H.R. 5461, S. 2102. S. 2270.

Client expense: $708,090 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

S. 491, "Brownfields Utilization, Investment, and Local Development Act of 2013" S. 1217, "Housing Finance Reform and Taxpayer Protection Act of 2013" S. 1352, "Native American Housing Assistance and Self-Determination Reauthorization Act of 2013" S. 1846, "Homeowner Flood Insurance Affordability Act of 2013"S. 1926, A bill to delay the implementation of certain provision of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers and for other purposes S. 2137, A bill to ensure that holders of flood insurance policies under the National Flood Insurance Program do not receive premium refunds for coverage of second homes S. 2212, A bill to amend the Consumer Financial Protection Act of 2010 to strengthen the review authority of the Financial Stability Oversight Council of regulations issued by the Bureau of Consumer Financial Protection, and for other purposes S. 2697, To amend the Truth in Lending Act to clarify the application of the qualified mortgage rule to rural lenders, and for other purposes S. 2893, To authorize the use of multifamily housing subject to a mortgage insured under section 207 of the National Housing Act as short-term residential housing

Client expense: $155,182 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Natural Disaster Policy HR152 - Disaster Relief Appropriations Act of 2013 HR240 - Homeowners Insurance Protection Act of 2013 HR960 - Flood Victim Premium Relief Act of 2013Natural Disaster Policy (cont'd) HR1101 - Homeowners and Taxpayers Protection Act of 2013 HR1267 - Flood Insurance Premium Relief Act of 2013 HR1485 - A bill to amend the National Flood Insurance Act of 1968 to modify the phase-in increases in flood insurance premium rates for certain properties, and for other purposes HR2199 - York River Wild and Scenic River Study Act of 2013 HR2217 - Fiscal 2014 Homeland Security Appropriations HR3298 - A bill to amend the Internal Revenue Code of 1986 to allow individuals a deduction for amounts contributed to disaster savings accounts to help defray the cost of preparing their homes to withstand a disaster HR3989 - A bill to amend the Internal Revenue Code of 1986 to allow individuals a deduction for amounts contributed to disaster savings accounts to help defray the cost of preparing their homes to withstand a disaster and to repair or replace property damaged or destroyed in a disaster. HR3370 - Homeowner Flood Insurance Affordability Act of 2013 HR3547 - Fiscal 2014 Omnibus Appropriations Act HR3693 - Flood Insurance Relief and Transparency Act of 2013 HR4903 - Homeland Security Appropriations Act of 2015 S601 - Water Resources Development Act of 2013 S954 - FARM Bill S996 - A bill to improve the National Flood Insurance Program, and for other purposes S1610 - Homeowner Flood Insurance Affordability Act of 2013 S1846 - Homeowner Flood Insurance Affordability Bill S1926 - Homeowner Flood Insurace Affordability Bill S1991 - A bill to amend the Internal Revenue Code of 1986 to allow individuals a deduction for amounts contributed to disaster savings accounts to help defray the cost of preparing their homes to withstand a disaster and to repair or replace property damaged or destroyed in a disaster. S2543 - Homeland Security Appropriations Act of 2015 Terrorism Risk Insurance HR508 - Terrorism Risk Insurace Act of 2002 (TRIA) Reauthorization Act of 2013 HR1945 - Fostering Resilience to Terrorism Act of 2013 HR2146 - Terrorism Risk Insurance Program Reauthorization Act of 2013 HR4871- TRIA Reform Act of 2014 S2244 - Terrorism Risk Insurance Program Reauthorization Act of 2014 Discussions with the Federal Emergency Management Agency (FEMA) within the Department of Homeland Security (DHS) on flood insurance, flood maps, and the National Flood Insurance Program.

Client expense: $17,980,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of

H.R. 2146: Terrorism Risk Insurance Program Reauthorization Act of 2013, S. 1610: Homeowner Flood Insurance Affordability Act of 2013, S. 1846: Homeowner Flood Insurance Affordability Act of 2013, H.R. 3370: Homeowner Flood Insurance Affordability Act of 2013, S. 1926: A bill to delay the implementation of the certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes, S.2244: Terrorism Risk Insurance Program Reauthorization Act of 2014, H.R. 4871: TRIA Reform Act of 2014, H.R. 508: TRIA Reauthorization Act of 2013.

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

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Fish & Wildlife Service (USFWS), U.S. International Trade Commission (ITC), U.S. Trade Representative (USTR), White House Office

Issues relating to insurance regulatory reform and agent compensation; H.R. 1155, S. 534, S. 650, H.R. 2328, S. 2175, S. 2173. Issues related to the implementation of the Dodd-Frank Wall Street Reform Act of 2010; H.R. 1627, H.R. 2374, H.R. 797, H.R. 4510, S. 2270. Issues related to the implementation of of the Patient Protection and Affordable Care Act; H.R. 544, H.R. 2995, H.R. 2575, S. 1188, H.R. 4418, H.R. 3522.Issues related to terrorism risk insurance; H.R. 508, H.R. 2146, H.R. 4871, S. 2244. Issues related to flood risk insurance; H.R. 3370, S. 1846, S. 1926. Issues related to the regulation of insurance competition, products with guarantees, individual and employer owned policies, and fiduciary-client relationships; H.R. 2374. Issues related to capital standards for insurance providers; H.R. 5461, S. 2102.

Client expense: $698,190 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

S.1926 amendment directing FEMA to study the feasibility of waiver authority for floodplain management requirements within V-zone areas as a condition of participation in the National Flood Insurance Program.

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

Government targets: Federal Aviation Administration (FAA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Transportation Security Administration (TSA)

HR 1064; HR 1155; S 534; S 1926 National Association of Registered Agent and Brokers Reform Act; Issue: reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. We support these bills. HR 508 Reauthorize the Terrorism Risk Insurance Act (TRIA) for 5 years; HR 1945 and HR 2146 (10 year TRIA ext); S. 2244 (7 years) support these bills; HR 4871 House Fin Services Comm TRIA bill (5 years) concern with program changesHR 605 Insurance Consumer Protection and Solvency Act; take insurers out of FDIC liquidation process; support HR 4510/S 2012/S 2270 Insurance Capital Standards Clarification Act of 2014 and S 1369 Capital Standards for the Business of Insurance, support these bills to provide flexibility for the Federal Reserve in setting insurance capital requirements. HR 4669 - Servicemembers Insurance Relief Act; monitoring issue to see if new requirements will be established H Res 735/S Res 561 Expressing concern about the lack of transparency at International Association of Insurance Supervisors meetings; support these resolutions

Client expense: $120,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 41-National Flood Insurance Program, H.R. 99-Medical Malpractice, H.R. 240- Natural Catastrophe Backstop, H.R. 508-Terrorism Risk Insurance Act, H.R. 549-Natural Catastrophe Insurance, H.R. 605-Insurance, H. Res. 735- International Insurance, H.R. 737-Natural Catastrophe Insurance, H.R. 960-National Flood Insurance Program, H.R. 968-National Flood Insurance Program, H.R. 1028-Mortgage Insurance, H.R. 1035-National Flood Insurance Program, (cont'd next page)H.R. 1064-Insurance Agent Licensing, H.R. 1101-Natural Catastrophe Insurance, H.R. 1155-Insurance Agent Licensing, H.R. 1194-National Flood Insurance Program, H.R. 1267-National Flood Insurance Program, H.R. 1268-Flood Insurance, H.R. 1369-Gun Control, H.R. 1485-National Flood Insurance Program, H.R. 1945-Terrorism Risk Insurance Act, H.R. 2129-Workers Compensation Insurance, H.R. 2140-Capital Standards, H.R. 2146-Terrorism Risk Insurance Act, H.R. 2156-Adjuster Reciprocity, H.R. 2293-Flood Insurance, H.R. 3156- National Flood Insurance Program, H.R. 3218-National Flood Insurance Program, H.R. 3370-National Flood Insurance Program, H.R. 3693-National Flood Insurance Program, H.R. 4352-National Flood Insurance Program, H.R. 4510-Capital Standards, H.R. 4557-Private Support to FDIC, H.R. 4558- Flood Insurance, H.R. 4669-Servicemembers Auto Insurance, H.R. 4871-Terrorism Risk Insurance Act, H.R. 5461-Capital Standards, "Insurance Data Protection Act of 2014" (House), "Risk Retention Modernization Act" (House), S. 20-Dodd-Frank Act, S. 205-Consumer Financial Protection Bureau, S. 534-Insurance Agent Licensing, S. Res. 561- International Insurance, S. 996-National Flood Insurance Program, S. 1075-National Flood Insurance Program, S. 1098-National Flood Insurance Program, S. 1217- Mortgage Insurance, S. 1369-Capital Standards, S. 1610-National Flood Insurance Program, S. 1846-National Flood Insurance Program, S. 1926-National Flood Insurance Program, S. 2244-Terrorism Risk Insurance Act, S. 2270- Capital Standards, S. 2381-Flood Insurance, S. 2731-Workers Compensation Insurance

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

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

HR 1261 - Overdraft Protection Act of 2013 - Provisions related to caps & limitations on overdraft charges. S 710 - A bill to provide commercial banks & S&Ls an exemption from Dodd-Frank Act provisions requiring the regulation of municipal advisors - Provisions to exempt certain bank employees from being considered municipal advisors.HR 1750 - Regulatory Relief Act - Provisions related to exemptions from the qualified mortgage requirements & privacy notice requirements. HR 3317 - Holding Individuals Accountable & Deterring Money Laundering Act - Provisions that would strengthen the Federal statutes designed to deter money laundering & terrorism financing. HR 3770 - Homeowner Flood Insurance Affordability Act - Provisions addressing issues with the affordability of the National Flood Insurance program and mapping issues. S 1720 - Patent reform legislation - Provisions addressing patent reform. S 1926 - A bill combining the National Flood Insurance Program reforms with NARAB II - Provisions regarding escrow requirements under flood insurance program. HR 4466 - Financial Regulatory Clarity Act - Provisions regarding regulatory processes to determine duplicative rules and regulations. S 635 - Privacy Notice Bill - eliminating the need to send GLBA privacy notices if a financial institution has not changed its privacy policy in the last year.

Client expense: $300,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1610-National Flood Insurance Program, S. 1846-National Flood Insurance Program, S. 1926-National Flood Insurance Program, S. 2244-Terrorism Risk Insurance Act, FIO Report on State Insurance Regulation.

Client expense: $70,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to insurance regulatory reform and agent compensation; H.R. 1155, S. 534, S. 650, H.R. 2328, S. 2175, S. 2173. Issues related to the implementation of the Dodd-Frank Wall Street Reform Act of 2010; H.R. 1627, H.R. 2374, H.R. 797, H.R. 4510, S. 2270. Issues related to the implementation of of the Patient Protection and Affordable Care Act; H.R. 544, H.R. 2995, H.R. 2575, S. 1188, H.R. 4418.Issues related to terrorism risk insurance; H.R. 508, H.R. 2146, H.R. 4871, S. 2244. Issues related to flood risk insurance; H.R. 3370, S. 1846, S. 1926. Issues related to the regulation of insurance competition, products with guarantees, individual and employer owned policies, and fiduciary-client relationships; H.R. 2374.

Client expense: $698,190 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 2767, 3211; S. 1376; S. 1217; S. 249; S.563; H.R. 240; S. 10; H.R. 2642; S. 1610, H.R. 3370; S. 1926; S. 2381; H.R. 4558 - Discussed home mortgage loan modifications, foreclosures, servicing, and refinancing; discussed housing finance reform and related issues; discussed flood insurance reform.

Client expense: $1,550,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, U.S. Trade Representative (USTR)

S.1926 amendment directing FEMA to study the feasibility of waiver authority for floodplain management requirements within V-zone areas as a condition of participation in the National Flood Insurance Program.

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

Government targets: Federal Aviation Administration (FAA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Transportation Security Administration (TSA)

H.R. 41-National Flood Insurance Program, H.R. 99-Medical Malpractice, H.R. 240- Natural Catastrophe Backstop, H.R. 508-Terrorism Risk Insurance Act, H.R. 549-Natural Catastrophe Insurance, H.R. 605-Insurance, H.R. 737-Natural Catastrophe Insurance, H.R. 960-National Flood Insurance Program, H.R. 968-National Flood Insurance Program, H.R. 1028-Mortgage Insurance, H.R. 1035-National Flood Insurance Program, (cont'd next page)H.R. 1064-Insurance Agent Licensing, H.R. 1101-Natural Catastrophe Insurance, H.R. 1155-Insurance Agent Licensing, H.R. 1194-National Flood Insurance Program, H.R. 1267-National Flood Insurance Program, H.R. 1268-Flood Insurance, H.R. 1369-Gun Control, H.R. 1485-National Flood Insurance Program, H.R. 1945-Terrorism Risk Insurance Act, H.R. 2129-Workers Compensation Insurance, H.R. 2140-Capital Standards, H.R. 2146-Terrorism Risk Insurance Act, H.R. 2156-Adjuster Reciprocity, H.R. 2293-Flood Insurance, H.R. 3156- National Flood Insurance Program, H.R. 3218-National Flood Insurance Program, H.R. 3370-National Flood Insurance Program, H.R. 3693-National Flood Insurance Program, H.R. 4352-National Flood Insurance Program, H.R. 4510-Capital Standards, H.R. 4557-Private Support to FDIC, H.R. 4558- Flood Insurance, H.R. 4669-Servicemembers Auto Insurance, H.R. 4871-Terrorism Risk Insurance Act, S. 20-Dodd-Frank Act, S. 205-Consumer Financial Protection Bureau, S. 534-Insurance Agent Licensing, S. 996-National Flood Insurance Program, S. 1075-National Flood Insurance Program, S. 1098-National Flood Insurance Program, S. 1217- Mortgage Insurance, S. 1369-Capital Standards, S. 1610-National Flood Insurance Program, S. 1846-National Flood Insurance Program, S. 1926-National Flood Insurance Program, S. 2244-Terrorism Risk Insurance Act, S. 2381-Flood Insurance

Client expense: $1,240,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

AD&C Lending, flood insurance, affordable housing reform, FHA reform, GSE reform, Section 8 Voucher Reform, H.R. 858: Rural Housing Preservation Act of 2013, H.R. 1145: FHA Emergency Fiscal Solvency Act of 2013, H.R.1255: Home Construction Lending Regulatory Improvement Act of 2013, S. 1002: Home Building Lending Improvement Act of 2013, H.R. 2767: Protecting American Taxpayers and Homeowners Act of 2013, S. 1217: Housing Finance Reform and Taxpayer Protection Act of 2013, S. 766:A bill to amend Section 520 of the Housing Act of 1949, Farm Bill, H.R. 1947: Federal Agriculture Reform and Risk Management Act of 2013, H.R. 2642: Federal Agriculture Reform and Risk Management Act of 2013, S. 954: Agriculture Reform, Food and Jobs Act of 2013, S. 1610: Homeowner Flood Insurance Affordability Act of 2013, S. 1846: Homeowner Flood Insurance Affordability Act of 2013, H.R. 3370: Homeowner Flood Insurance Affordability Act of 2013, H.R. 3013: Home Protection Act of 2013, H.R. 2199: Flood Insurance Implementation Reform Act of 2013, S. 1846: Homeowner Flood Insurance Affordability Act of 2013, S. 1926: A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes, S. 2244: Terrorism Risk Insurance Program Reauthorization Act of 2014.

Client expense: $790,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Labor, Dept of (DOL), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Fish & Wildlife Service (USFWS), U.S. International Trade Commission (ITC), U.S. Trade Representative (USTR), White House Office

H.R. 2146: Terrorism Risk Insurance Program Reauthorization Act of 2013, S. 1610: Homeowner Flood Insurance Affordability Act of 2013, S. 1846: Homeowner Flood Insurance Affordability Act of 2013, H.R. 3370: Homeowner Flood Insurance Affordability Act of 2013, S. 1926: A bill to delay the implementation of the certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes, S.2244: Terrorism Risk Insurance Program Reauthorization Act of 2014, H.R. 4871: TRIA Reform Act of 2014, H.R. 508: TRIA Reauthorization Act of 2013.

Client expense: $790,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Labor, Dept of (DOL), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Fish & Wildlife Service (USFWS), U.S. International Trade Commission (ITC), U.S. Trade Representative (USTR), White House Office

Natural Disaster Policy HR152 - Disaster Relief Appropriations Act of 2013 HR240 - Homeowners Insurance Protection Act of 2013 HR960 - Flood Victim Premium Relief Act of 2013Natural Disaster Policy (cont'd) HR1101 - Homeowners and Taxpayers Protection Act of 2013 HR1267 - Flood Insurance Premium Relief Act of 2013 HR1485 - A bill to amend the National Flood Insurance Act of 1968 to modify the phase-in increases in flood insurance premium rates for certain properties, and for other purposes HR2199 - York River Wild and Scenic River Study Act of 2013 HR2217 - Fiscal 2014 Homeland Security Appropriations HR3298 - A bill to amend the Internal Revenue Code of 1986 to allow individuals a deduction for amounts contributed to disaster savings accounts to help defray the cost of preparing their homes to withstand a disaster HR3989 - A bill to amend the Internal Revenue Code of 1986 to allow individuals a deduction for amounts contributed to disaster savings accounts to help defray the cost of preparing their homes to withstand a disaster and to repair or replace property damaged or destroyed in a disaster. HR3370 - Homeowner Flood Insurance Affordability Act of 2013 HR3547 - Fiscal 2014 Omnibus Appropriations Act HR3693 - Flood Insurance Relief and Transparency Act of 2013 S601 - Water Resources Development Act of 2013 S954 - FARM Bill S996 - A bill to improve the National Flood Insurance Program, and for other purposes S1610 - Homeowner Flood Insurance Affordability Act of 2013 S1846 - Homeowner Flood Insurance Affordability Bill S1926 - Homeowner Flood Insurace Affordability Bill S1991 - A bill to amend the Internal Revenue Code of 1986 to allow individuals a deduction for amounts contributed to disaster savings accounts to help defray the cost of preparing their homes to withstand a disaster and to repair or replace property damaged or destroyed in a disaster. Terrorism Risk Insurance HR508 - Terrorism Risk Insurace Act of 2002 (TRIA) Reauthorization Act of 2013 HR1945 - Fostering Resilience to Terrorism Act of 2013 HR2146 - Terrorism Risk Insurance Program Reauthorization Act of 2013 HR4871- TRIA Reform Act of 2014 S2244 - Terrorism Risk Insurance Program Reauthorization Act of 2014 Discussions with the Federal Emergency Management Agency (FEMA) within the Department of Homeland Security (DHS) on flood insurance and the National Flood Insurance Program.

Client expense: $16,480,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, Veterans Affairs, Dept of (VA)

S. 508, Strengthen and Vitalize Enforcement of Child Support (SAVE Child Support) Act- A bill to amend part D of title IV of the Social Security Act to improve the enforcement, collection, and administration of child support payments, and for other purposes. (Sec. 5 & Sec. 6)H.R. 960, Flood Victim Premium Relief Act of 2013- To amend the National Flood Insurance Act of 1968 to provide relief from increased flood insurance premium rates for homes in disaster areas. (entire bill) H.R. 1268, Flood Mitigation Expense Relief Act of 2013- To amend the Internal Revenue Code of 1986 to provide a credit for qualified flood mitigation expenses incurred with respect to certain residences for which the chargeable premium rate under the national flood insurance program is increasing and to provide increased funding for mitigation programs. (entire bill) H.R. 1267, Flood Insurance Premium Relief Act of 2013- To delay and phase-in increases in flood insurance premium rates under the national flood insurance program for certain properties, and for other purposes. (entire bill) H.R. 737, Homeowners' Defense Act of 2013- To establish a national catastrophic risk consortium to ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. (entire bill) H.R. 605, Insurance Consumer Protection and Solvency Act of 2013- To exclude insurance companies from the Federal Depository Insurance Corporation's "orderly liquidation authority". (entire bill) H.R. 508, Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013- To extend the Terrorism Risk Insurance Program for five years. (entire bill) S. 534/HR 1064, National Association of Registered Agents and Brokers Reform Act of 2013- A bill to reform the National Association of Registered Agents and Brokers, and for other purposes. (entire bill) H.R. 2129, Defense Base Act Insurance Improvement Act of 2013- To amend the Defense Base Act to require the provision of insurance under that Act under a Government self-insurance program, and to require an implementation strategy for such self-insurance program. (entire bill) H.R. 1945, Fostering Resilience to Terrorism Act of 2013- To extend the Terrorism Risk Insurance Program of the Department of the Treasury for 10 years, and for other purposes. (entire bill) H.R. 2146, Terrorism Risk Insurance Program Reauthorization Act of 2013- To extend the Terrorism Risk Insurance Program of the Department of the Treasury for 10 years. (entire bill) S. 1098, Responsible Implementation of Flood Insurance Reform Act of 2013- A bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership. (entire bill) H.R.3693, Flood Insurance Relief and Transparency Act of 2013- To clarify the application of the Biggert-Waters Flood Insurance Reform Act of 2012 to premium rates for certain properties, and for other purposes. (entire bill) S.1610/ H.R.3370, Homeowner Flood Insurance Affordability Act of 2013- A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes. (entire bill) S.1846, Homeowner Flood Insurance Affordability Act of 2013- A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes. (entire bill) H.R.3511, Keeping Flood Insurance Affordable Act of 2013- To delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes. (entire bill)S.1926, Homeowner Flood Insurance Affordability Act of 2014; National Association of Registered Agents and Brokers Reform Act of 2014- A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (entire bill) H.R.4669, Servicemembers Insurance Relief Act of 2014- To allow servicemembers to maintain their domicile for auto insurance purposes. (entire bill) H.R.4510/ S.2102, Insurance Capital Standards Clarification Act of 2014- To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. (entire bill) H.R.4558/ S. 2381, Flood Insurance Market Parity and Modernization Act of 2014- To clarify the authority of States to regulate private flood insurance coverage. (entire bill) H.R.4871, TRIA Reform Act of 2014- To reauthorize the Terrorism Risk Insurance Act of 2002, and for other purposes. (entire bill) H.R.4557, Policyholder Protection Act of 2014- To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. (entire bill) H.R. ___, Risk Retention Modernization Act of 2014 (House Discussion Draft)- To modernize the Liability Risk Retention Act of 1986 and expand types of commercial insurance authorized, and for other purposes. (entire bill) H.R. ___, Insurance Data Protection Act of 2014 (House Discussion Draft)- To clarify the responsibilities and treatment of data by the Federal Insurance Office of the Department of the Treasury. (entire bill) Issues related to the imposition of capital standards to non-banks Issues related to the implementation of Dodd-Frank Act (PL 111-203), the provision which may impact insurance regulation Implementation of Biggert-Waters Flood Insurance Act of 2012 Issues related to the Federal Insurance Office's report on insurance regulator modernization. Issues related to the Systemic Risk Designation process pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act.

Client expense: $380,000 · Firm income: Not reported

Government targets: Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Office of Management & Budget (OMB), SENATE, Treasury, Dept of

HR 1064; HR 1155; S 534; S 1926 National Association of Registered Agent and Brokers Reform Act; Issue: reducing costs and administrative difficulties associated with reciprocal licensing of multi-state insurance agents. We support these bills. HR 508 Reauthorize the Terrorism Risk Insurance Act (TRIA) for 5 years; HR 1945 and HR 2146 (10 year TRIA ext); S. 2244 (7 years) support these bills; HR 4871 House Fin Services Comm TRIA bill (5 years) concern with program changesHR 605 Insurance Consumer Protection and Solvency Act; take insurers out of FDIC liquidation process; support HR 4510/S 2012 Insurance Capital Standards Clarification Act of 2014 and S 1369 Capital Standards for the Business of Insurance, support these bills to provide flexibility for the Federal Reserve in setting insurance capital requirements. HR 4669 - Servicemembers Insurance Relief Act; monitoring issue to see if new requirements will be established

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1261 - Overdraft Protection Act of 2013 - Provisions related to caps and limitations on overdraft charges. S 710 - A bill to provide commercial banks and S&Ls an exemption from Dodd-Frank Act provisions requiring the regulation of municipal advisors. HR 1750 - Regulatory Relief Act - Exemptiosn from the qualified mortgage requirements & privacy notice requirements.HR 3317 - Holiding Individuals Accountable and Deterring Money Laundering Act - Provisions that would strengthen the Federal statutes designed to deter money laundering and terrorism financing. HR 3770 - Homeowner Flood Insurance Affordability Act - Provisions addressing issues with the affordability of National Flood Insurance program and mapping issues. S 1720 - Patent reform legislation - provisions addressing patent reform. S 1926 - A bill combining the National Flood Insurance Program reforms with NARAB II - escrow requirements under flood insurance program. HR 4466 - Financial Regulatory Clarity Act - Provisions regarding regulatory processes to determine duplicative rules and regulations. S 635 - Privacy Notice Bill - to eliminate the need to send GLBA privacy notices if a financial institution has not changed its privacy policy in the last year.

Client expense: $175,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Optional Federal Charter (Generally) H.R. 1155 National Association of Registered Agents and Brokers Act (All Provisions) S. 534 National Association of Registered Agents and Brokers Act (All Provisions) H.R. 2140 Insurance Capital Accounting Standards Act of 2013 (All Provisions)H.R. 240 Homeowners Insurance Protection Act (All Provisions) H.R. 508 TRIA Reauthorization (All Provisions) H.R. 549 Homeowner Catastrophe Protection Act (All Provisions) H.R. 1035 Community Based NFIP Study (All Provisions) P.L. 112-141 Flood Insurance Reform Act of 2012 (Implementation) H.R. 737 Homeowners Defense Act (All Provisions) H.R. 960 Flood Victim Premium Relief Act (All Provisions) H.R. 2374 Retail Protection Investor Act (All Provisions) H.R. 1878, S. 905 Safe Building Codes Incentive Act (All Provisions) H.R. 1267 Flood Premium Relief Act (All Provisions) H.R. 1194 National Flood Insurance Program Termination Act (All Provisions) H.R. 1945 Fostering Resiliance to Terrorism Act (All Provisions) H.R. 1485 A Bill to modify NFIP Phase-in Premium increase (All Provisions) H.R. 2146 Terrorism Risk Insurance Program Reauthorization Act of 2013 (All Provisions) S. 1369 A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of insurance, and for other purposes. (No official title yet.) (All Provisions) H.R. 3370 Homeowner Flood Insurance Affordability Act of 2013 (All Provisions) H.R. 3693 Flood Insurance Relief and Transparency Act of 2013 (All Provisions) S. 1610 Homeowner Flood Insurance Affordability Act of 2013 (All Provisions) H.R. 3511 Keeping Flood Insurance Affordable Act (All Provisions) S. 1926 Homeowner Flood Insurance Affordability Act (All Provisions) S. 1846 Homeowner Flood Insurance Affordability Act (All Provisions) H.R. 3815 Biggert-Waters Repeal (All Provisions) S. 2137 Second Home Refund Prohibition Act (All Provisions) S. 2102 A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. (All Provisions) H.R. 4510 Insurance Capital Standards Clarification Act (All Provisions) S. 2270 Insurance Capital Standards Clarification Act (All Provisions) H.R. 4669 Servicemembers Insurance Relief Act (All Provisions) H.R. 4558 Flood Insurance Market Parity & Modernization Act of 2014 (All Provisions) S. 2381 Flood Insurance Market Parity & Modernization Act of 2014 (All Provisions) P.L. 113-89 Homeowner Flood Insurance Affordability Act of 2014 (All Provisions) Draft: Insurance Data Protection Act (All Provisions) Draft: Risk Retention Modernization Act of 2014 (All Provisions) H.R. 4745 Transportation, Housing & Urban Development & Related Agencies Appropriations Act of 2015 (Insurance Provisions) H.R. 5471 The TRIA Reform Act of 2014 (All Provisions) H.R. 4871 The TRIA Reform Act of 2014 (All Provisions) S. 2244 Terrorism Risk Insurance Program Reauthorization Act of 2014 (All Provisions) H.R. 4557 Policy Holder Protection Act (All Provisions)

Client expense: $600,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Emergency Management Agency (FEMA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

see next pageIssues Related To Small Business S.537 - Clear SBA Act H.R.1240/S.289 - Commercial Real Estate and Economic Development Act of 2013 Issues Related To Data Security/Privacy S.635/H.R.749 - Privacy Notice Modernization Act of 2013 S.947 - SAFE Act Confidentiality & Privilege Enhancement Act S.1927 - Data Security Act of 2014 Issues Related To Banking S.673 - Protecting Consumers from Unreasonable Credit Rates Act of 2013 H.R.1261- Overdraft Protection Act of 2013 S.737/H.R. 1221 - BASEL III Study Issues related to The Wall Street Reform and Consumer Protection Act Issues Related To Cyber Security H.R.624 - Cyber Intelligence Sharing and Protection Act H.Res.164 - Providing for consideration of the bill (H.R. 624) to provide the sharing of certain cyber threat intelligence and cyber threat information between the intelligence community and cybersecurity entities, and for other purposes. H.R.756 - Cybersecurity Enhancement Act of 2013 S.1927 - Cybersecurity and American Cyber Competitiveness Act of 2013 S.1353 - Cyber Security Act Of 2013 Issues Related To Consumer Financial Protection Bureau Potential Legislation and Education Regarding the CFPB. Issues related to CFPB and banking agency regulatory bulletins Issues Related To Student Loans S.546 - Smarter Borrowing Act S.1266 - Refinancing Education Funding to Invest (REFI) for the Future Act of 2013 H.R.2661 - The Fair Student Credit Act of 2013 S.1803 - Student Loan Borrower Bill of Rights House Joint Resolution 59 - The Bipartisan Budget Act of 2013 Issues Related to Flood Insurance H.R.3370 - Homeowner Flood Insurance Affordability Act of 2013 S.1926 - A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. Issues Related to Postal Service S.1486 - The Postal Reform Act of 2014Regulations: Bank Capital, 12 CFR Parts 167, 325 Community Reinvestment Act Regulations, 12 CFR parts 25, 195, 228 and 345 Debit card interchange, 12 CFR Part 235, Regulation II Forced-place flood insurance, 12 CFR Part 339 Regulation B, 12 CFR Part 202, 1002 (ECOA) Regulation C, 12 CFR Part 203, 1003 (HMDA) Regulation D, 12 CFR Part 1004 (Alternative Mortgage Transaction Parity) Regulation E, 12 CFR Part 205, 1005 (EFTA) Regulation F, 12 CFR Part 1006 (FDCPA) Regulation G, 12 CFR Part 1007 (SAFE) Regulation H, 12 CFR Part 1008 (SAFE) Regulation I, 12 CFR Part 1009 Regulation J, 12 CFR Part 1010 Regulation K, 12 CFR Part 1011 Regulation L, 12 CFR Part 1012 Regulation M, 12 CFR Part 1013 Regulation N, 12 CFR Part 1014 Regulation O, 12 CFR Part 1015 Consumer Privacy, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting, 12 CFR Parts 41, 171, 334, 1022 Regulation X, 12 CFR Part 1024 (RESPA) Regulation Z, 12 CFR Part 1026 (TILA) Regulation DD, 12 CFR Parts 230, 1030 (TISA) Regulation YY, 12 CFR 252 (Enhanced Prudential Standards) Disclosure of records and information, 12 CFR Part 1070 Rule implementing EAJA, 12 CFR Part 1071 Nondiscrimination based on disability, 12 CFR Part 1072 Rulemaking procedures, 12 CFR Part 1074 Rules relating to CFPB investigations, 12 CFR Part 1080 Rules of practice for adjudication proceeding, 12 CFR Part 1081 State official notification rules, 12 CFR Part 1082 CFPBs larger participant rules, 12 CFR Part 1090 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to Telephone Consumer Protection Act

Client expense: $530,000 · Firm income: Not reported

Government targets: Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

S.1926 amendment directing FEMA to study the feasibility of waiver authority for floodplain management requirements within V-zone areas as a condition of participation in the National Flood Insurance Program.

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

Government targets: Federal Aviation Administration (FAA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Transportation Security Administration (TSA)

Flood Insurance, National Flood Insurance Program and Reinsurance, H.R. 508: TRIA Reauthorization Act of 2013, H.R. 2199: Flood Insurance Implementation Act of 2013, H.R. 3013: Home Protection Act of 2013, H.R. 3156: Responsible Implementation of Flood Insurance Reform Act of 2013, H.R. 3218: Flood Insurance Fairness Act of 2013, S. 996: A bill to improve the National Flood Insurance Program, S. 1098: Responsible Implementation of Flood Insurance Reform Act of 2013, S. 1075: SHORE Act of2013, H.R. 2146: Terrorism Risk Insurance Program Reauthorization Act of 2013, S. 1610: Homeowner Flood Insurance Affordability Act of 2013, S. 1846: Homeowner Flood Insurance Affordability Act of 2013, H.R. 3370: Homeowner Flood Insurance Affordability Act of 2013, H.R. 2199: Flood Insurance Implementation Reform Act of 2013, S. 1846: Homeowner Flood Insurance Affordability Act of 2013, S. 1926: A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes.

Client expense: $810,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Labor, Dept of (DOL), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Fish & Wildlife Service (USFWS), U.S. International Trade Commission (ITC), U.S. Trade Representative (USTR), White House Office

AD&C Lending, flood insurance, affordable housing reform, FHA reform, GSE reform, Section 8 Voucher Reform, H.R. 858: Rural Housing Preservation Act of 2013, H.R. 1145: FHA Emergency Fiscal Solvency Act of 2013, H.R. 1255: Home Construction Lending Regulatory Improvement Act of 2013, S. 1002: Home Building Lending Improvement Act of 2013, H.R. 2767: Protecting American Taxpayers and Homeowners Act of 2013, S. 1217: Housing Finance Reform and Taxpayer Protection Act of 2013, S. 766:A bill to amend section 520 of the Housing Act of 1949, Farm Bill, H.R. 1947: Federal Agriculture Reform and Risk Management Act of 2013, H.R. 2642: Federal Agriculture Reform and Risk Management Act of 2013, S. 954: Agriculture Reform, Food and Jobs Act of 2013, S. 1610: Homeowner Flood Insurance Affordability Act of 2013, S. 1846: Homeowner Flood Insurance Affordability Act of 2013, H.R. 3370: Homeowner Flood Insurance Affordability Act of 2013, H.R. 3013: Home Protection Act of 2013, H.R. 2199: Flood Insurance Implementation Reform Act of 2013, S. 1846: Homeowner Flood Insurance Affordability Act of 2013, S. 1926: A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes.

Client expense: $810,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Defense, Dept of (DOD), Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Labor, Dept of (DOL), Occupational Safety & Health Administration (OSHA), SENATE, Small Business Administration (SBA), Treasury, Dept of, U.S. Fish & Wildlife Service (USFWS), U.S. International Trade Commission (ITC), U.S. Trade Representative (USTR), White House Office

Issues relating to insurance regulatory reform and agent compensation; H.R. 1155, S. 534, S. 650, H.R. 2328, S. 2175, S. 2173. Issues related to the implementation of the Dodd-Frank Wall Street Reform Act of 2010; H.R. 1627, H.R. 2374, H.R. 797. Issues related to the implementation of of the Patient Protection and Affordable Care Act; H.R. 544, H.R. 2995, H.R. 2575, S. 1188, H.R. 4418.Issues related to terrorism risk insurance; H.R. 508, H.R. 2146. Issues related to flood risk insurance; H.R. 3370, S. 1846, S. 1926. Issues related to the regulation of insurance competition, products with guarantees, individual and employer owned policies, and fiduciary-client relationships.

Client expense: $694,328 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Natural Disaster Policy HR152 - Disaster Relief Appropriations Act of 2013 HR240 - Homeowners Insurance Protection Act of 2013 HR960 - Flood Victim Premium Relief Act of 2013Natural Disaster Policy (cont'd) HR1101 - Homeowners and Taxpayers Protection Act of 2013 HR1267 - Flood Insurance Premium Relief Act of 2013 HR1485 - A bill to amend the National Flood Insurance Act of 1968 to modify the phase-in increases in flood insurance premium rates for certain properties, and for other purposes HR2199 - York River Wild and Scenic River Study Act of 2013 HR2217 - Fiscal 2014 Homeland Security Appropriations HR3298 - A bill to amend the Internal Revenue Code of 1986 to allow individuals a deduction for amounts contributed to disaster savings accounts to help defray the cost of preparing their homes to withstand a disaster HR3989 - A bill to amend the Internal Revenue Code of 1986 to allow individuals a deduction for amounts contributed to disaster savings accounts to help defray the cost of preparing their homes to withstand a disaster and to repair or replace property damaged or destroyed in a disaster. HR3370 - Homeowner Flood Insurance Affordability Act of 2013 HR3547 - Fiscal 2014 Omnibus Appropriations Act HR3693 - Flood Insurance Relief and Transparency Act of 2013 S601 - Water Resources Development Act of 2013 S954 - FARM Bill S996 - A bill to improve the National Flood Insurance Program, and for other purposes S1610 - Homeowner Flood Insurance Affordability Act of 2013 S1846 - Homeowner Flood Insurance Affordability Bill S1926 - Homeowner Flood Insurace Affordability Bill S1991 - A bill to amend the Internal Revenue Code of 1986 to allow individuals a deduction for amounts contributed to disaster savings accounts to help defray the cost of preparing their homes to withstand a disaster and to repair or replace property damaged or destroyed in a disaster. Terrorism Risk Insurance HR508 - Terrorism Risk Insurace Act of 2002 (TRIA) Reauthorization Act of 2013 HR1945 - Fostering Resilience to Terrorism Act of 2013 HR2146 - Terrorism Risk Insurance Program Reauthorization Act of 2013 Discussions with the Federal Emergency Management Agency (FEMA) within the Department of Homeland Security (DHS) on flood insurance and the National Flood Insurance Program.

Client expense: $7,120,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Energy, Dept of, Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, Veterans Affairs, Dept of (VA)

1. Federal Housing Administration: *FHA condominium rulemaking1. FHA cont'd * FHA rulemaking concering private transfer fees 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation, hearings, and markups in the Congress. *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *H.R. 2767: The Protecting American Taxpayers and Homeowners Act * Johnson-Crapo Discussion Draft of Housing Finance Reform and Taxpayer Protection Act *Meetings with congressional staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. 3. Community Association Lien Priority *Fannie Mae Seller Guide Update SEL-2014-02 and Freddie Mac Servicing Guideline Update SEL-SER-2014-02 limiting association lien priority to 6 months regular common expense assessments *Outreach to Federal Housing Finance Agency staff *Outreach to Fannie Mae staff 4. Homeowner Flood Insurnace Availability Act * Advocacy in support of the Homeowner Flood Insurance Affordability Act (H.R. 3370 S.1610 1846, & S. 1926) * Preparation of advocacy materials in support of the Homeowner Flood Insurance Affordability Act 5. HUD FY 2015 Budget *General monitoring and updates of FY2015 HUD budget *No specific advocacy

Client expense: $52,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

H.R. 41-Natural Catastrophe Insurance, H.R. 99-McCarran-Ferguson, H.R. 240- Natural Catastrophe Backstop, H.R. 508-Terrorism Risk Insurance Act, H.R. 549-Natural Catastrophe Insurance, H.R. 605-Insurance, H.R. 737-Natural Catastrophe Insurance, H.R. 960-National Flood Insurance Program, H.R. 968-National Flood Insurance Program, H.R. 1028-Mortgage Insurance, H.R. 1035-Flood Insurance,H.R. 1064-Insurance Agent Licensing, H.R. 1101-Natural Catastrophe Insurance, H.R. 1155-Insurance Agent Licensing, H.R. 1194-National Flood Insurance Program, H.R. 1267-National Flood Insurance Program, H.R. 1268-National Flood Insurance Program, H.R. 1369-Gun Owners Insurance, H.R. 1485-National Flood Insurance Program, H.R. 1945-Terrorism Risk Insurance Act, H.R. 2129-Workers Compensation Insurance, H.R. 2140-Capital Standards, H.R. 2146-Terrorism Risk Insurance Act, H.R. 2156-Adjuster Reciprocity, H.R. 2293-National Flood Insurance Program, H.R. 3156- National Flood Insurance Program, H.R. 3218-National Flood Insurance Program, H.R. 3370-National Flood Insurance Program, H.R. 3693-National Flood Insurance Program, S. 20-Dodd-Frank Act, S. 205-Consumer Financial Protection Bureau, S. 534-Insurance Agent Licensing, S. 996-National Flood Insurance Program, S. 1075-National Flood Insurance Program, S. 1098-National Flood Insurance Program, S. 1369-Capital Standards, S. 1610-National Flood Insurance Program, S. 1846-National Flood Insurance Program, S. 1926-National Flood Insurance Program, S. 2244-Terrorism Risk Insurance Act

Client expense: $980,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

1. Federal Housing Administration: *FHA condominium rulemaking1. FHA cont'd * FHA rulemaking concering private transfer fees 2. Monitoring GSE and Housing Finance Reform: General legislative updates on legislation, hearings, and markups in the Congress. *S. 1217: The Housing Finance Reform and Taxpayer Protection Act *H.R. 2767: The Protecting American Taxpayers and Homeowners Act * Johnson-Crapo Discussion Draft of Housing Finance Reform and Taxpayer Protection Act *Meetings with congressional staff regarding structure of GSE reform legislation and potential impact on GSE underwriting guidelines as applicable to common interest communities. 3. Community Association Lien Priority *Fannie Mae Seller Guide Update SEL-2014-02 and Freddie Mac Servicing Guideline Update SEL-SER-2014-02 limiting association lien priority to 6 months regular common expense assessments *Outreach to Federal Housing Finance Agency staff *Outreach to Fannie Mae staff 4. Homeowner Flood Insurnace Availability Act * Advocacy in support of the Homeowner Flood Insurance Affordability Act (H.R. 3370 S.1610 1846, & S. 1926) * Preparation of advocacy materials in support of the Homeowner Flood Insurance Affordability Act 5. HUD FY 2015 Budget *General monitoring and updates of FY2015 HUD budget *No specific advocacy

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Monitor efforts to alter the requirement for actuarial rates in the Natl Fld Ins Prog, S1926, Homeowner Fld Ins Affrd Act 2014. Monitor legislation on national atastrophe tax incentives as in HR549. Issues related to supporting the National Assoc of Registered Agents and Brokers Reform Act of 2013, as included in S1926.Monitor issues re to implementation of health ins reform, specifically retaining a private sector role for ins brokers in health care reform & employee benefits and efforts to delay ACA mandates and require income certifications for subsidies - HR2775, HR3362 and HR3811. Support for excluding broker commisions from the medical loss ratio calculation related to health care reform implementation and support for HR3462 -- Self-Insurance Protection Act. Monitor efforts to make changes in the Dodd-Frank Act, as they may relate to insurance. Issues related to implementing the law modernizing the regulation of surplus lines insurance. Issues related to supporting an Optional Federal Charter for Insurers. Monitor the activities of the Federal Insurance Office and the development of insurance modernization proposals. Monitor and/or provide information regarding cyber security issues, particularly HR3696 the National Cybersecurity and Critical Infrastructure Protection Act of 2013. Monitor issues related to possible tax proposals, particularly those affecting insurance. Support the proposed extension of the Terrorism Risk Insurance Act, specifically HR508 HR2146 and HR1945. Oppose amendments to the Defense Base Act to eliminate the private sector role, particularly focused on the National Defense Authorization Act. Oppose efforts by IRS to include property insurance under the terms of Foreign Account Tax Compliance Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Federal Housing Finance Agency; Notice No. 2012-N-11 (Use of Eminent Domain to Restructure Performing Loans). H.R. 3547, FY 2014 Consolidated Appropriations, provisions related to the Federal Housing Administration insuring residential mortgages seized through eminent domain.S. 996, a bill to amend the National Flood Insurance Act of 1968 to repeal the prohibition against provision of flood insurance by the Administrator of the Federal Emergency Management Agency (FEMA) to prospective insureds at rates less than standard estimates for property purchased after enactment of the Biggert-Waters Flood Insurance Reform Act of 2012; entire bill. H.R. 3693, the Flood Insurance Relief and Transparency Act of 2013, a bill to clarify the application of the Biggert-Waters Flood Insurance Reform Act of 2012 to premium rates for certain properties; entire bill. S. 1926, a bill to delay the implementation of the Biggert-Waters Flood Insurance Reform Act of 2012, entire bill. Public Law No: 113-89, the Homeowner Flood Insurance Affordability Act of 2013, a bill to delay the implementation of the Biggert-Waters Flood Insurance Reform Act of 2012, entire bill.

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

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE

Optional Federal Charter (Generally) H.R. 1155 National Association of Registered Agents and Brokers Act (All Provisions) S. 534 National Association of Registered Agents and Brokers Act (All Provisions) H.R. 2140 Insurance Capital Accounting Standards Act of 2013 (All Provisions)H.R. 240 Homeowners Insurance Protection Act (All Provisions) H.R. 508 TRIA Reauthorization (All Provisions) H.R. 549 Homeowner Catastrophe Protection Act (All Provisions) H.R. 1035 Community Based NFIP Study (All Provisions) P.L. 112-141 Flood Insurance Reform Act of 2012 (Implementation) H.R. 737 Homeowners Defense Act (All Provisions) H.R. 960 Flood Victim Premium Relief Act (All Provisions) H.R. 2374 Retail Protection Investor Act (All Provisions) H.R. 1878, S. 905 Safe Building Codes Incentive Act (All Provisions) H.R. 1267 Flood Premium Relief Act (All Provisions) H.R. 1194 National Flood Insurance Program Termination Act (All Provisions) H.R. 1035 Community Based Flood Insurance Act (All Provisions) H.R. 2217 Homeland Security Appropriations Act (Flood Provisions) H.R. 1945 Fostering Resiliance to Terrorism Act (All Provisions) H.R. 1485 A Bill to modify NFIP Phase-in Premium increase (All Provisions) H.R. 2146 Terrorism Risk Insurance Program Reauthorization Act of 2013 (All Provisions) S. 996 Delay of NFIP Rate Increases (All Provisions) H.R. 2199 Flood Insurance Implementation Reform Act (All Provisions) S. 1098 Responsible Implementation of Flood Insurance Reform (All Provisions) S. 1369 A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of insurance, and for other purposes. (No official title yet.) (All Provisions) H.R. 3370 Homeowner Flood Insurance Affordability Act of 2013 (All Provisions) H.R. 3693 Flood Insurance Relief and Transparency Act of 2013 (All Provisions) S. 1610 Homeowner Flood Insurance Affordability Act of 2013 (All Provisions) H.R. 3511 Keeping Flood Insurance Affordable Act (All Provisions) S. 1926 Homeowner Flood Insurance Affordability Act (All Provisions) S. 1846 Homeowner Flood Insurance Affordability Act (All Provisions) H.R. 3815 Biggert-Waters Repeal (All Provisions) S. 2137 Second Home Refund Prohibition Act (All Provisions) S. 2102 A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. (All Provisions)

Client expense: $400,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Emergency Management Agency (FEMA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

S. 1926, the Homeowner Flood Insurance Affordability Act (Gillibrand Amendment SA 2711)

Client expense: $81,371 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).

Client expense: $740,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB mortgage servicing rule; CFPB loan originator compensation rule; CFPB request for information regarding the mortgage closing process; CFPB notice of proposed rulemaking regarding debt collection practices; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; CFPB making changes to the Home Mortgage Disclosure Act;Federal Reserve regarding changes to subpart A of Regulation J and funds transfers through Fedwire; Federal Reserve policy on Payment System Risk and Procedures for Measuring Daylight Overdrafts; Electronic Payments Associations (NACHA) proposed rule regarding ACH risk management and rules enforcement; NACHA proposed rule regarding improving ACH network quality and reducing exceptions; NCUA regarding engaging with other federal agencies on data security efforts; NCUAs strategic plan for 2014-2017; NCUA regarding maintaining the federal credit union loan interest rate ceiling; NCUA request for comment on Requirement for Contacts with federal credit unions; NCUA proposal on Prompt Corrective Action and Risk Based Capital; NCUA comments on Proposed Interagency Policy Statement Establishing Joint Standards for Assessing Diversity Policies and Practices; Request of the NCUA Board to extend the comment period for an additional 90 days on the risk-based capital proposal; National Technical Information Services (NTIS) request for information and advance notice of public meeting (RFI) regarding the certification program for access to the death master file; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Department of Justice Operation Choke Point; Patent Reform; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639); Innovation Act (H.R. 3309); National Flood Insurance Program; Homeowners Flood Insurance Affordability Act (S. 1846); Homeowners Flood Insurance Affordability Act (S.1926); Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Structural changes at the CFPB; Consumer Financial Protection Safety and Soundness Improvement Act (H.R. 3193); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness provisions for credit unions;Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Financial Institutions Examination Fairness and Reform Act (S. 727); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Improvements to the Federal Credit Union Act to help enhance the federal credit union charter; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749); Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Data Security and Breach Notification Act. (S. 1193); Personal Data Protection and Breach Accountability Act. (S. 1995); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Mortgage debt tax relief; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; CFPBs qualified mortgage standard/ ability-to-repay rule; Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); ATM disclosure requirements; National Flood Insurance Program; Flood insurance premium increases; A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (S. 1926);Homeowner Flood Insurance Affordability Act (H.R. 3370); Structural improvements at the CFPB; Consumer Financial Freedom and Washington Accountability Act (H.R. 3193); Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223);Military Savings Act of 2013 (S. 1741);Military Family Home Protection Act (H.R. 1842).

Client expense: $740,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Defense, Dept of (DOD), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

HR 1261 - Overdraft Protection Act of 2013 - Provisions related to caps & limitations on overdraft charges S 710 - exemption from Dodd-Frank Act provisions - provisions to exempt certain bank employees from being considered municipal advisors for purposes of Dodd-Frank Act regulation. HR 1750 - Regulatory Relief Act - Provisions related to exemptions from qualified mortgage requirements and privacy noticerequirements. HR 3317 - Holding Individuals Accountable & Deterring Money Laundering Act - Provisions that would strengthen the Federal statutes designed to deter money laundering and terrorism financing. HR 3770 Homeowner Flood Insurance Affordability Act - Provisions addressing issues with the affordability of National Flood Insurance program and mapping issues. S 1720 - Patent reform legislation - Provisions addressing patent reform S1926 - Combining National Flood Insurance Program reforms with NARAB II - provisions regarding escrow requirements under flood insurance program S 635 - Privacy Notice Bill - eliminate the need to send GLBA privacy notices if a financial institution has not changed its privacy policy in the last year.

Client expense: $346,600 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitor efforts to alter the requirement for actuarial rates in the National Flood Ins. Prog, S1926, Homeowner Flood Ins. Affordability Act 2014. Issues related to supporting the National Assoc of Registered Agents and Brokers Reform Act of 2013, as included in S 1926. Monitor efforts to make changes in the Dodd-Frank Act, as they may relate to insurance. Monitor the activities of the Federal Insurance Office and the development of insurance modernization proposals. Monitor and/or provide information regarding cyber security issues, particularly H.R.3696 the National Cybersecurity and Critical Infrastructure Protection Act of 2013. Support the proposed extension of the Terrorism Risk Insurance Act, specifically HR508, HR2146 and HR1945. Monitor issues related to insurance generally.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Monitor efforts to alter the requirement for actuarial rates in the National Flood Insurance Program, S1926, Homeowner Flood Insurance Affordability Act 2014. Monitor legislation on national catastrophe tax incentives as in HR549. Issues related to supporting the National Assoc. of Registered Agents and Brokers Reform Act of 2013, as included in S 1926 Monitor issues re to implementation of health ins. reform, specifically retaining a private sector role for ins. brokers in health care reform & employee benefits and efforts to delay ACA mandates and require income certifications for subsidies - HR2775, H.R.3362 and H.R.3811. Support for excluding broker commissions from the medical loss ratio calculation related to health care reform implementation and support for HR3462 -- Self-Insurance Protection Act. Monitor efforts to make changes in the Dodd-Frank Act, as they may relate to insurance. Issues related to implementing the law modernizing the regulation of surplus lines insurance. Monitor the activities of the Federal Insurance Office and the development of insurance modernization proposals. Monitor and/or provide information regarding cyber security issues, particularly H.R.3696 the National Cybersecurity and Critical Infrastructure Protection Act of 2013. Monitor issues related to possible tax proposals, particularly those affecting insurance. Support the proposed extension of the Terrorism Risk Insurance Act, specifically HR508, HR2146 and HR1945. Oppose amendments to the Defense Base Act to eliminate the private sector role. Oppose efforts by IRS to include property insurance under the terms of Foreign Account Tax Compliance Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

H.R. 508, the Terrorism Risk Insurance Act Reauthorization Act of 2013, and H.R. 2146, the Terrorism Risk Insurance Program Reauthorization Act of 2013. S. 1926, a bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, as well as a similar draft bill in the House. Capital standard requirement for small and or regional mutual insurance companies. Comprehensive tax reform.

Client expense: Not reported · Firm income: Not reported

H.R. 508, the Terrorism Risk Insurance Act Reauthorization Act of 2013, and H.R. 2146, the Terrorism Risk Insurance Program Reauthorization Act of 2013. S. 1926, a bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, as well as a similar draft bill in the House. Capital standard requirement for small and or regional mutual insurance companies. Comprehensive tax reform.

Client expense: Not reported · Firm income: Not reported

H.R. 508, the Terrorism Risk Insurance Act Reauthorization Act of 2013, and H.R. 2146, the Terrorism Risk Insurance Program Reauthorization Act of 2013. S. 1926, a bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, as well as a similar draft bill in the House. Capital standard requirement for small and or regional mutual insurance companies. Comprehensive tax reform.

Client expense: Not reported · Firm income: Not reported

S.1926, the Homeowner Flood Insurance Affordability Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE