Gold Butte National Conservation Area Act

Undertook lobbying activities relating to the maintenance/shared use of Johnson Valley Off-highway Recreational Area and Twentynine Palms Marine Corps Base in California. Monitored S 1197, the National Defense Authorization Act (NDAA) and undertook lobbying activities to include language relative to the maintenance/shared use of the Johnson Valley Off-highway Recreational Area in the final NDAA. Supported passage of HR 3304, the National Defense Authorization Act (NDAA) Undertook lobbying activities relating to the restoration and preservation of the Bonneville Salt Flats. Undertook lobbying activities to support efforts and potential legislative proposals to include a more collaborative process in land use designations in the United States. Monitored HR 48, the Open Space Preservation Promotion Act Monitored HR 126, the Corolla Wild Horses Protection Act Monitored HR 139, the Udall-Eisenhower Arctic Wilderness Act Monitored HR 445, the National Heritage Area Act Monitored HR 576, the Save Endangered Species Act Monitored HR 638, the National Wildlife Refuge Review Act Monitored HR 758, the Utah Land Sovereignty Act Supported HR 819/S 486, the Preserving Access to Cape Hatteras National Seashore Recreation Area Opposed HR 1187, the Northern Rockies Ecosystem Protection Act Supported HR 1459, the Ensuring Public Involvement in the Creation of National Monuments Act Opposed HR 1630 and S 769, to designate millions of acres of land in Utah as Red Rock wilderness Monitored HR 1633, the Small Land Tracts Conveyance Act Supported HR 1676, to protect the Johnson Valley Off-Highway Vehicle (OHV) Area Monitored HR 1683, the Columbine-Hondo Wilderness Act Supported HR 1776, the Clear Creek National recreation Area and Conservation Act Monitored HR 1799, the Arizona Sonoran Desert Heritage Act Monitored HR 1825, the Recreational Fishing and Hunting Heritage and Opportunities Act Monitored HR 1834, the 21st Century Great Outdoors Commission Act Supported HR 1960, the National Defense Authorization Act Monitored HR 2068, the Federal Land Transaction Facilitation Act Reauthorization Monitored HR 2192, the National Monument Designation Transparency and Accountability Act Opposed HR 2490, the Rogue Wilderness Area Expansion Act Opposed HR 2491, the Devils Staircase Wilderness Act Monitored HR 2511/S 1233, the Federal Land Freedom Act Monitored HR 2808, to designate certain National Forest System land in the Uinta-Wasatch-Cache National Forest in Salt Lake County, Utah, as wilderness, to facilitate a land exchange involving certain land in such National Forest, and for other purposes. Monitored HR 3008, the conveyance of a small parcel of National Forest Service land in Los Padres National Forest. Monitored HR 3022, the National Discovery Trails Act Monitored S 1572/HR 3287, the Protecting States, Opening Natural Parks Act Monitored HR 3409, the National Wildlife Refuge Expansion Limitation Act Monitored HR 3533, the Endangered Species Management Self-Determination Act Monitored HR 3606, the Emigrant Wilderness Historical Use Preservation Act Monitored HR 3661, the Public Access to Public Land Guarantee Act Monitored HR 3704, the Sedona-Red Rock National Scenic Area Act Monitored HR 3806, the Great Smoky Mountains National Park Agreement Act Monitored HR 3922, the Wild Olympics Wilderness and Wild and Scenic Rivers Act Monitored HR 3962, the Making Public Lands Public Access Act Monitored HR 4166, the Lake Berryessa Recreation Enhancement Act Supported HR 4315, the 21st Century Endangered Species Transparency Act Supported HR 4316, the Endangered Species Recovery Transparency Act Supported HR 4317, the State, Tribal, and Local Species Transparency and Recovery Act Supported HR 4318, the Endangered Species Litigation Reasonableness Act Supported HR 4371, add National to Johnson Valley OHV Recreation Area Supported HR 4716, the Sage Grouse Protection and Conservation Act Monitored HR 4858, the San Gabriel National Recreation Area Act Supported HR 4866, the Lesser Prairie Chicken Voluntary Recovery Act Supported HR 4886, the National Forest System Trails Stewardship Act Supported HR 5204, the Federal Lands Recreation Enhancement Modernization Act Monitored HR5311, the Rocky Mountain Recreation and Wilderness Preservation Act Supported Utah Public Lands Initiative Monitored S 60, the Western States National Historic Trails Study Act Monitored S 61, the California Coastal National Monument Expansion Act Monitored S 341, the San Juan Mountains Wilderness Act Monitored S 352, the Devils Staircase Wilderness Act Monitored S 473, ensuring that Federal Register notices submitted to BLM are reviewed in a timely manner Monitored S 801, the Prairie Protection Act Monitored S 974, the Las Vegas Valley Public Land and Tule Springs Fossil Beds National Monument Act Monitored S 1054, the Gold Butte National Conservation Area Act Monitored S 1160, the Complete Americas Great Trails Act Monitored S 1167, the Elko Motocross and Tribal Conveyance Act Monitored S 1232, the Great Lakes Ecological and Economic Protection Act Monitored S 1237, the Omnibus Territories Act Monitored S 1309, a bill to withdraw and reserve certain public land under the jurisdiction of the Secretary of the Interior for military uses, and for other purposes. Monitored S 1415, the Canyon Mountain Land Conveyance Act Monitored S 1430, the Idaho wilderness water Resources Protection Act Monitored S 1520, the York River Wild and Scenic River Study Act Monitored S 1784, the Oregon and California Land Grant Act Monitored S 1794, the Browns Canyon National Monument and Wilderness Act+ Monitored S 1805, the Organ Mountains-Desert Peaks Conservation Act Monitored S 1829, to modify the boundaries of Cibola National Forest in New Mexico Monitored S 1888, the Inyo National Forest Land Exchange Act Monitored S 2289, the National Defense Authorization Act for Fiscal Year 2015 Supported S 2394, the Sage Grouse Protection and Conservation Act Supported S 2575, the Sage-Grouse Accountability and Private Conservation Act Monitored S 2623, to prohibit land management modifications relating to the Lesser Prairie Chicken Supported S 2630, a bill to amend the Endangered Species Act of 1973 Supported S 2635, the 21st Century Endangered Species Transparency Act Supported S 2677, the Lesser Prairie Chicken Voluntary Recovery Act

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

S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 673 (to amend TILA to establish a national usury rate for consumer credit transactions)S. 690 (to create an Office of the Homeowner Advocate) S. 727 (to improve the examination of depository institutions, and for other purposes) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 949 (to oppose amending the Truth in Lending Act to change definitions provided for points and fees in connection with a mortgage transaction) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1187 (to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt) S. 1217 (to provide secondary mortgage market reform, and for other purposes) S. 1349 (to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes) S. 1376 (to improve FHA and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes) S. 1577 (to oppose amending the Truth in Lending Act to improve upon definitions provided for points and fees in connection with a mortgage transaction) S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) S. 2641 (to oppose amending the Truth in Lending Act to provide that residential mortgage loans held in portfolio qualify as qualified mortgages for purposes of the presumption of the ability to repay requirements under such Act) S. 3047 (to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.) S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members) S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit) S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions). S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies) S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC ) S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule) S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes). H.R. 830 (to continue to FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue HAMP) H.R. 861 (to continue NSP) H.R. 1077 (to oppose amending TILA to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1261 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions, and for other purposes) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 (to require minimum mortgage servicing standards) H.R. 1553 (to improve the examination of depository institutions, and for other purposes) H.R. 1566 (to oppose creating a federal charter for Internet consumer credit corporations, and for other purposes) H.R. 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1750 (to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1779 (to oppose amending the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure)H.R. 2672 (to oppose amending the Dodd-Frank Wall Street Reform and Consumer Protection Act to provide for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes) H.R. 2673 (to oppose amending the Truth in Lending Act to provide that residential mortgage loans held on portfolio qualify as qualified mortgages for purposes of the presumption of the ability to repay requirements under such Act). H.R. 2767 (to oppose legislation to protect American taxpayers and homeowners by creating sustainable housing finance system for the 21st century) H.R. 2788 (to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt) H.R. 2892 (to oppose amending the Fair Debt Collection Practices Act to preclude law firms and licensed attorneys from the definition of a debt collector when taking certain actions)H.R. 2994 (to amend the Internal Revenue Code of 1986 to extend for one year the exclusion from gross income of discharges of qualified principal residence indebtedness) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers) H.R. 3211 (to oppose amending the Truth in Lending Act to improve upon definitions provided for points and fees in connection with a mortgage transaction) H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes) H.R. 3529 (to provide exemptions from certain mortgage, servicing, and appraisal requirements for non-profit low-income housing providers, and for other purposes) H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system) H.R. 3648 (to support amending the Internal Revenue Code of 1986 to exclude discharges of indebtedness on principal residences from gross income, and for other purposes) H.R. 3770 (to oppose requiring Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and for other purposes) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purposes) H.R. 4262 (to oppose applying the requirements of the Federal Advisory Committee Act to the Bureau of Consumer Financial Protection) H.R. 4310 (to support amending the Military Lending Act to provide additional enhancements of protections on consumer credit for members of the armed forces and their dependents) H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 4236 (to amend the Higher Education Act of 1965 and the Truth in Lending Act to clarify the application of prepayment amounts on student loans) H.R. 4383 (to oppose mend the Consumer Financial Protection Act of 2010 to establish a Small Business Advisory Board, and for other purposes) H.R. 4466 (to oppose requiring certain financial regulators to determine whether new regulations or orders are duplicative or inconsistent with existing Federal regulations, and for other purposes. H.R. 4521 (to oppose modifying exemptions for small creditors and mortgage loan servicers, to require a study of appropriate capital requirements for mortgage servicing assets for non-systemic banking institutions, and for other purposes) H.R. 4539 (to oppose requiring the Bureau of Consumer Financial Protection, when issuing a research paper, to include all studies, data, and other analyses on which the paper was based) H.R. 4604 (to oppose amending the Consumer Financial Protection Act of 2010 to create a consumer opt-out list for data collected by the Bureau, to put time limits on data held by the Bureau, and for other purposes) H.R. 4684 (to oppose providing for a notice and comment period before the Bureau of Consumer Financial Protection issues guidance, and for other purposes) H.R. 4986 (to oppose amending certain banking statutes in response to Operation Choke Point) H.R. 5130 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions) H.R. 5403 (to oppose nullifying guidance of the Bureau of Consumer Financial Protection and to provide requirements for guidance issued by the Bureau with respect to indirect auto lending) H.R. 5461 (to oppose clarifying the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes) H.R. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions) H.R. 6139 (to oppose federal chartering of national consumer credit corporations)BILLS UNDER DISCUSSION/NOT YET INTRODUCED Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to address abusive payday lending practices House legislation to amend the Real Estate Settlement Procedures Act of 1974 to prohibit certain financial benefits for referrals of business and to improve the judicial relief for certain violations, and for other purposes. House legislation to amend the Truth in Lending Act to strengthen consumer protection in automobile lending and to establish requirements for the collection of data related to automobile lending. House legislation on debit cards (to ensure there are fair consumer protections for debit card users) House legislation to provide secondary mortgage market reform, and for other purposes (The HOME Forward Act of 2014) House legislation to amend the Truth in Lending Act to exempt certain higher-risk mortgages from property appraisal requirements and to exempt individuals from penalties for failure to report certain appraisers, and to amend the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to exempt certain higher-risk mortgages from property appraisal requirements, and for other purposes (The Access to Affordable Mortgages Act of 2014).

Undertook lobbying activities relating to the maintenance/shared use of Johnson Valley Off-highway Recreational Area and Twentynine Palms Marine Corps Base in California. Monitored S 1197, the National Defense Authroization Act (NDAA) and undertook lobbying activities to include language relative to the maintenance/shared use of the Johnson Valley Off-highway Recreational Area in the final NDAA. Supported passage of HR 3304, the National Defense Authorization Act (NDAA) Undertook lobbying activities relating to the restoration and preservation of the Bonneville Salt Flats. Undertook lobbying activities to support efforts and potential legislative proposals to include a more collaborative process in land use designations in the United States. Monitored HR 48, the Open Space Preservation Promotion Act Monitored HR 126, the Corolla Wild Horses Protection Act Monitored HR 139, the Udall-Eisenhower Arctic Wilderness Act Monitored HR 445, the National Heritage Area Act Monitored HR 576, the Save Endangered Species Act Monitored HR 638, the National Wildlife Refuge Review Act Monitored HR 758, the Utah Land Sovereignty Act Supported HR 819/S 486, the Preserving Access to Cape Hatteras National Seashore Recreation Area Opposed HR 1187, the Northern Rockies Ecosystem Protection Act Supported HR 1459, the Ensuring Public Involvement in the Creation of National Monuments Act Opposed HR 1630 and S 769, to designate millions of acres of land in Utah as Red Rock wilderness Monitored HR 1633, the Small Land Tracts Conveyance Act Supported HR 1676, to protect the Johnson Valley Off-Highway Vehicle (OHV) Area Monitored HR 1683, the Columbine-Hondo Wilderness Act Supported HR 1776, the Clear Creek National recreation Area and Conservation Act Monitored HR 1799, the Arizona Sonoran Desert Heritage Act Monitored HR 1825, the Recreational Fishing and Hunting Heritage and Opportunities Act Monitored HR 1834, the 21st Century Great Outdoors Commission Act Supported HR 1960, the National Defense Authorization Act Monitored HR 2068, the Federal Land Transaction Facilitation Act Reauthorization Monitored HR 2192, the National Monument Designation Transparency and Accountability Act Opposed HR 2490, the Rogue Wilderness Area Expansion Act Opposed HR 2491, the Devils Staircase Wilderness Act Monitored HR 2511/S 1233, the Federal Land Freedom Act Monitored HR 2808, to designate certain National Forest System land in the Uinta-Wasatch-Cache National Forest in Salt Lake County, Utah, as wilderness, to facilitate a land exchange involving certain land in such National Forest, and for other purposes. Monitored HR 3008, the conveyance of a small parcel of National Forest Service land in Los Padres National Forest. Monitored HR 3022, the National Discovery Trails Act Monitored S 1572/HR 3287, the Protecting States, Opening Natural Parks Act Monitored HR 3409, the National Wildlife Refuge Expansion Limitation Act Mintored HR 3533, the Endangered Species Management Self-Determination Act Monitored HR 3606, the Emigrant Wilderness Historical Use Preservation Act Monitored HR 3661, the Public Access to Public Land Guarantee Act Monitored HR 3704, the Sedona-Red Rock National Scenic Area Act Monitored HR 3806, the Great Smoky Mountains National Park Agreement Act Monitored HR 3922, the Wild Olympics Wilderness and Wild and Scenic Rivers Act of 2014 Monitored HR 3962, the Making Public Lands Public Access Act Monitored HR 4166, the Lake Berryessa Recreation Enhancement Act of 2014 Supported HR 4315, the 21st Century Endangered Species Transparency Act Supported HR 4316, the Endangered Species Recovery Transparency Act Supported HR 4317, the State, Tribal, and Local Species Transparency and Recovery Act Supported HR 4318, the Endangered Species Litigation Reasonableness Act Supported HR 4371, add National to Johnson Valley OHV Recreation Area Supported HR 4716, the Sage Grouse Protection and Conservation Act Supported Utah Public Lands Initiative Monitored S 60, the Western States National Historic Trails Study Act Monitored S 61, the California Coastal National Monument Expansion Act Monitored S 341, the San Juan Mountains Wilderness Act Monitored S 352, the Devils Staircase Wilderness Act Monitored S 473, ensuring that Federal Register notices submitted to BLM are reviewed in a timely manner Monitored S 801, the Prairie Protection Act Monitored S 974, the Las Vegas Valley Public Land and Tule Springs Fossil Beds National Monument Act Monitored S 1054, the Gold Butte National Conservation Area Act Monitored S 1160, the Complete Americas Great Trails Act Monitored S 1167, the Elko Motocross and Tribal Conveyance Act Monitored S 1232, the Great Lakes Ecological and Economic Protection Act Monitored S 1237, the Omnibus Territories Act Monitored S 1309, a bill to withdraw and reserve certain public land under the jurisdiction of the Secretary of the Interior for military uses, and for other purposes. Monitored S 1415, the Canyon Mountain Land Conveyance Act Monitored S 1430, the Idaho wilderness water Resources Protection Act Monitored S 1520, the York River Wild and Scenic River Study Act Monitored S 1784, the Oregon and California Land Grant Act Monitored S 1794, the Browns Canyon National Monument and Wilderness Act+ Monitored S 1805, the Organ Mountains-Desert Peaks Conservation Act Monitored S 1829, to modify the boundaries of Cibola National Forest in New Mexico Monitored S 1888, the Inyo National Forest Land Exchange Act

S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 673 (to amend TILA to establish a national usury rate for consumer credit transactions)S. 690 (to create an Office of the Homeowner Advocate) S. 727 (to improve the examination of depository institutions, and for other purposes) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 949 (to oppose amending the Truth in Lending Act to change definitions provided for points and fees in connection with a mortgage transaction) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1187 (to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt) S. 1217 (to provide secondary mortgage market reform, and for other purposes) S. 1349 (to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes) S. 1376 (to improve FHA and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes) S. 1577 (to oppose amending the Truth in Lending Act to improve upon definitions provided for points and fees in connection with a mortgage transaction) S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) S. 3047 (to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.) S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members) S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit) S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions). S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies) S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC ) S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule) S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes). H.R. 830 (to continue to FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue HAMP) H.R. 861 (to continue NSP) H.R. 1077 (to oppose amending TILA to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1261 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions, and for other purposes) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 (to require minimum mortgage servicing standards) H.R. 1553 (to improve the examination of depository institutions, and for other purposes) H.R. 1566 (to oppose creating a federal charter for Internet consumer credit corporations, and for other purposes) H.R. 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1750 (to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1779 (to oppose amending the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure) H.R. 2672 (to oppose amending the Dodd-Frank Wall Street Reform and Consumer Protection Act to provide for an application process for interested parties to apply for an area to be designated as a rural area, and for other purposes) H.R. 2673 (to oppose amending the Truth in Lending Act to provide that residential mortgage loans held on portfolio qualify as qualified mortgages for purposes of the presumption of the ability to repay requirements under such Act).H.R. 2767 (to oppose legislation to protect American taxpayers and homeowners by creating sustainable housing finance system for the 21st century) H.R. 2788 (to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt) H.R. 2892 (to oppose amending the Fair Debt Collection Practices Act to preclude law firms and licensed attorneys from the definition of a debt collector when taking certain actions)H.R. 2994 (to amend the Internal Revenue Code of 1986 to extend for one year the exclusion from gross income of discharges of qualified principal residence indebtedness) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers) H.R. 3211 (to oppose amending the Truth in Lending Act to improve upon definitions provided for points and fees in connection with a mortgage transaction) H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes) H.R. 3529 (to provide exemptions from certain mortgage, servicing, and appraisal requirements for non-profit low-income housing providers, and for other purposes) H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system) H.R. 3648 (to support amending the Internal Revenue Code of 1986 to exclude discharges of indebtedness on principal residences from gross income, and for other purposes) H.R. 3770 (to oppose requiring Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and for other purposes) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purposes) H.R. 4262 (to oppose applying the requirements of the Federal Advisory Committee Act to the Bureau of Consumer Financial Protection) H.R. 4310 (to support amending the Military Lending Act to provide additional enhancements of protections on consumer credit for members of the armed forces and their dependents) H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 4236 (to amend the Higher Education Act of 1965 and the Truth in Lending Act to clarify the application of prepayment amounts on student loans) H.R. 4383 (to oppose mend the Consumer Financial Protection Act of 2010 to establish a Small Business Advisory Board, and for other purposes) H.R. 4466 (to oppose requiring certain financial regulators to determine whether new regulations or orders are duplicative or inconsistent with existing Federal regulations, and for other purposes. H.R. 4521 (to oppose modifying exemptions for small creditors and mortgage loan servicers, to require a study of appropriate capital requirements for mortgage servicing assets for non-systemic banking institutions, and for other purposes) H.R. 4539 (to oppose requiring the Bureau of Consumer Financial Protection, when issuing a research paper, to include all studies, data, and other analyses on which the paper was based) H.R. 4604 (to oppose amending the Consumer Financial Protection Act of 2010 to create a consumer opt-out list for data collected by the Bureau, to put time limits on data held by the Bureau, and for other purposes) H.R. 4684 (to oppose providing for a notice and comment period before the Bureau of Consumer Financial Protection issues guidance, and for other purposes) H.R. 4986 (to oppose amending certain banking statutes in response to Operation Choke Point) H.R. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions) H.R. 6139 (to oppose federal chartering of national consumer credit corporations) BILLS UNDER DISCUSSION/NOT YET INTRODUCED Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to address abusive payday lending practices Senate bill to improve the Net-Price calculator regarding public disclosure of college costs Senate bill to improve servicing of student loans House legislation on debit cards (to ensure there are fair consumer protections for debit card users) House legislation to provide secondary mortgage market reform, and for other purposes (The HOME Forward Act of 2014) House legislation to amend the Truth in Lending Act to exempt certain higher-risk mortgages from property appraisal requirements and to exempt individuals from penalties for failure to report certain appraisers, and to amend the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to exempt certain higher-risk mortgages from property appraisal requirements, and for other purposes (The Access to Affordable Mortgages Act of 2014).

See attachedUndertook lobbying activities relating to the maintenance/shared use of Johnson Valley Off-highway Recreational Area and Twentynine Palms Marine Corps Base in California. Monitored S 1197, the National Defense Authroization Act (NDAA) and undertook lobbying activities to include language relative to the maintenance/shared use of the Johnson Valley Off-highway Recreational Area in the final NDAA. Supported passage of HR 3304, the National Defense Authorization Act (NDAA) Undertook lobbying activities relating to the restoration and preservation of the Bonneville Salt Flats. Undertook lobbying activities to support efforts and potential legislative proposals to include a more collaborative process in land use designations in the United States. Monitored HR 48, the Open Space Preservation Promotion Act Monitored HR 126, the Corolla Wild Horses Protection Act Monitored HR 139, the Udall-Eisenhower Arctic Wilderness Act Monitored HR 445, the National Heritage Area Act Monitored HR 576, the Save Endangered Species Act Monitored HR 638, the National Wildlife Refuge Review Act Monitored HR 758, the Utah Land Sovereignty Act Supported HR 819/S 486, the Preserving Access to Cape Hatteras National Seashore Recreation Area Opposed HR 1187, the Northern Rockies Ecosystem Protection Act Supported HR 1459, the Ensuring Public Involvement in the Creation of National Monuments Act Opposed HR 1630 and S 769, to designate millions of acres of land in Utah as Red Rock wilderness Monitored HR 1633, the Small Land Tracts Conveyance Act Supported HR 1676, to protect the Johnson Valley Off-Highway Vehicle (OHV) Area Monitored HR 1683, the Columbine-Hondo Wilderness Act Supported HR 1776, the Clear Creek National recreation Area and Conservation Act Monitored HR 1799, the Arizona Sonoran Desert Heritage Act Monitored HR 1825, the Recreational Fishing and Hunting Heritage and Opportunities Act Monitored HR 1834, the 21st Century Great Outdoors Commission Act Supported HR 1960, the National Defense Authorization Act Monitored HR 2068, the Federal Land Transaction Facilitation Act ReauthorizationMonitored HR 2192, the National Monument Designation Transparency and Accountability Act Opposed HR 2490, the Rogue Wilderness Area Expansion Act Opposed HR 2491, the Devils Staircase Wilderness Act Monitored HR 2511/S 1233, the Federal Land Freedom Act Monitored HR 2808, to designate certain National Forest System land in the Uinta-Wasatch-Cache National Forest in Salt Lake County, Utah, as wilderness, to facilitate a land exchange involving certain land in such National Forest, and for other purposes. Monitored HR 3008, the conveyance of a small parcel of National Forest Service land in Los Padres National Forest. Monitored HR 3022, the National Discovery Trails Act Monitored S 1572/HR 3287, the Protecting States, Opening Natural Parks Act Monitored HR 3409, the National Wildlife Refuge Expansion Limitation Act Mintored HR 3533, the Endangered Species Management Self-Determination Act Monitored HR 3606, the Emigrant Wilderness Historical Use Preservation Act Monitored HR 3661, the Public Access to Public Land Guarantee Act Monitored HR 3704, the Sedona-Red Rock National Scenic Area Act Monitored HR 3806, the Great Smoky Mountains National Park Agreement Act Monitored HR 3922, the Wild Olympics Wilderness and Wild and Scenic Rivers Act of 2014 Monitored HR 3962, the Making Public Lands Public Access Act Monitored HR 4166, the Lake Berryessa Recreation Enhancement Act of 2014 Supported HR 4315, the 21st Century Endangered Species Transparency Act Supported HR 4316, the Endangered Species Recovery Transparency Act Supported HR 4317, the State, Tribal, and Local Species Transparency and Recovery Act Supported HR 4318, the Endangered Species Litigation Reasonableness Act Suported HR 4371, the add National to Johnson Valley OHV Recreation Area Supported Utah Public Lands Initiative Monitored S 60, the Western Sates National Historic Trails Study Act Monitored S 61, the California Coastal National Monument Expansion ActMonitored S 341, the San Juan Mountains Wilderness Act Monitored S 352, the Devils Staircase Wilderness Act Monitored S 473, ensuring that Federal Register notices submitted to BLM are reviewed in a timely manner Monitored S 801, the Prairie Protection Act Monitored S 974, the Las Vegas Valley Public Land and Tule Springs Fossil Beds National Monument Act Monitored S 1054, the Gold Butte National Conservation Area Act Monitored S 1160, the Complete Americas Great Trails Act Monitored S 1167, the Elko Motocross and Tribal Conveyance Act Monitored S 1232, the Great Lakes Ecological and Economic Protection Act Monitored S 1237, the Omnibus Territories Act Monitored S 1309, a bill to withdraw and reserve certain public land under the jurisdiction of the Secretary of the Interior for military uses, and for other purposes. Monitored S 1415, the Canyon Mountain Land Conveyance Act Monitored S 1430, the Idaho wilderness water Resources Protection Act Monitored S 1520, the York River Wild and Scenic River Study Act Monitored S 1784, the Oregon and California Land Grant Act Monitored S 1794, the Browns Canyon National Monument and Wilderness Act+ Monitored S 1805, the Organ MountainsDesert Peaks Conservation Act Monitored S 1829, to modify the boundaries of Cibola National Forest in New Mexico Monitored S 1888, the Inyo National Forest Land Exchange Act

S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 673 (to amend TILA to establish a national usury rate for consumer credit transactions)S. 690 (to create an Office of the Homeowner Advocate) S. 727 (to improve the examination of depository institutions, and for other purposes) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 949 (to oppose amending the Truth in Lending Act to change definitions provided for points and fees in connection with a mortgage transaction) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1187 (to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt) S. 1217 (to provide secondary mortgage market reform, and for other purposes) S. 1349 (to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes) S. 1376 (to improve FHA and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes) S. 1577 (to oppose amending the Truth in Lending Act to improve upon definitions provided for points and fees in connection with a mortgage transaction) S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) S. 3047 (to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.) S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members) S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit) S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions). S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies) S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC ) S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule) S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes). H.R. 830 (to continue to FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue HAMP) H.R. 861 (to continue NSP) H.R. 1077 (to oppose amending TILA to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1261 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions, and for other purposes) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 (to require minimum mortgage servicing standards) H.R. 1553 (to improve the examination of depository institutions, and for other purposes) H.R. 1566 (to oppose creating a federal charter for Internet consumer credit corporations, and for other purposes) H.R. 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1750 (to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure) H.R. 2767 (to oppose legislation to protect American taxpayers and homeowners by creating sustainable housing finance system for the 21st century) H.R. 2788 (to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt)H.R. 2892 (to oppose amending the Fair Debt Collection Practices Act to preclude law firms and licensed attorneys from the definition of a debt collector when taking certain actions)H.R. 2994 (to amend the Internal Revenue Code of 1986 to extend for one year the exclusion from gross income of discharges of qualified principal residence indebtedness) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers) H.R. 3211 (to oppose amending the Truth in Lending Act to improve upon definitions provided for points and fees in connection with a mortgage transaction) H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes) H.R. 3529 (to provide exemptions from certain mortgage, servicing, and appraisal requirements for non-profit low-income housing providers, and for other purposes) H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system) H.R. 3648 (to support amending the Internal Revenue Code of 1986 to exclude discharges of indebtedness on principal residences from gross income, and for other purposes) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purposes) H.R. 4310 (to support amending the Military Lending Act to provide additional enhancements of protections on consumer credit for members of the armed forces and their dependents) H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 4236 (to amend the Higher Education Act of 1965 and the Truth in Lending Act to clarify the application of prepayment amounts on student loans) H.R. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions) H.R. 6139 (to oppose federal chartering of national consumer credit corporations) BILLS UNDER DISCUSSION/NOT YET INTRODUCED Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to address abusive payday lending practices Senate bill to improve the Net-Price calculator regarding public disclosure of college costs Senate bill to improve servicing of student loans House legislation on debit cards (to ensure there are fair consumer protections for debit card users) House legislation to provide secondary mortgage market reform, and for other purposes (The HOME Forward Act of 2014)

S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 673 (to amend TILA to establish a national usury rate for consumer credit transactions)S. 690 (to create an Office of the Homeowner Advocate) S. 727 (to improve the examination of depository institutions, and for other purposes) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 949 (to oppose amending the Truth in Lending Act to change definitions provided for points and fees in connection with a mortgage transaction) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1217 (to provide secondary mortgage market reform, and for other purposes) S. 1349 (to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes) S. 1376 (to improve FHA and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes) S. 1577 (to oppose amending the Truth in Lending Act to improve upon definitions provided for points and fees in connection with a mortgage transaction) S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) S. 3047 (to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.) S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members) S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit) S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions). S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies) S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC ) S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule) S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes). H.R. 830 (to continue to FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue HAMP) H.R. 861 (to continue NSP) H.R. 1077 (to oppose amending TILA to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1261 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions, and for other purposes) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 (to require minimum mortgage servicing standards) H.R. 1553 (to improve the examination of depository institutions, and for other purposes) H.R. 1566 (to oppose creating a federal charter for Internet consumer credit corporations, and for other purposes) H.R. 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1750 (to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure) H.R. 2767 (to oppose legislation to protect American taxpayers and homeowners by creating sustainable housing finance system for the 21st century) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers) H.R. 3211 (to oppose amending the Truth in Lending Act to improve upon definitions provided for points and fees in connection with a mortgage transaction)H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes) H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system) H.R. 3648 (to support amending the Internal Revenue Code of 1986 to exclude discharges of indebtedness on principal residences from gross income, and for other purposes) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purposes) H.R. 4310 (to support amending the Military Lending Act to provide additional enhancements of protections on consumer credit for members of the armed forces and their dependents) H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions) H.R. 6139 (to oppose federal chartering of national consumer credit corporations) Additional Agency for Line 17: Consumer Financial Protection Bureau. BILLS UNDER DISCUSSION/NOT YET INTRODUCED Senate legislation to provide secondary mortgage market reform. Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to address abusive payday lending practices House legislation on debit cards (to ensure there are fair consumer protections for debit card users)

See attachedUndertook lobbying activities relating to the maintenance/shared use of Johnson Valley Off-highway Recreational Area and Twentynine Palms Marine Corps Base in California. Monitored S 1197, the National Defense Authroization Act (NDAA) and undertook lobbying activities to include language relative to the maintenance/shared use of the Johnson Valley Off-highway Recreational Area in the final NDAA. Supported passage of HR 3304, the National Defense Authorization Act (NDAA) Undertook lobbying activities relating to the restoration and preservation of the Bonneville Salt Flats. Undertook lobbying activities to support efforts and potential legislative proposals to include a more collaborative process in land use designations in the United States. Monitored HR 48, the Open Space Preservation Promotion Act Monitored HR 126, the Corolla Wild Horses Protection Act Monitored HR 139, the Udall-Eisenhower Arctic Wilderness Act Monitored HR 445, the National Heritage Area Act Monitored HR 576, the Save Endangered Species Act Monitored HR 638, the National Wildlife Refuge Review Act Monitored HR 758, the Utah Land Sovereignty Act Supported HR 819/S 486, the Preserving Access to Cape Hatteras National Seashore Recreation Area Opposed HR 1187, the Northern Rockies Ecosystem Protection Act Supported HR 1459, the Ensuring Public Involvement in the Creation of National Monuments Act Opposed HR 1630 and S 769, to designate millions of acres of land in Utah as Red Rock wilderness Monitored HR 1633, the Small Land Tracts Conveyance Act Supported HR 1676, to protect the Johnson Valley Off-Highway Vehicle (OHV) Area Monitored HR 1683, the Columbine-Hondo Wilderness Act Supported HR 1776, the Clear Creek National recreation Area and Conservation Act Monitored HR 1799, the Arizona Sonoran Desert Heritage Act Monitored HR 1825, the Recreational Fishing and Hunting Heritage and Opportunities Act Monitored HR 1834, the 21st Century Great Outdoors Commission Act Supported HR 1960, the National Defense Authorization Act Monitored HR 2068, the Federal Land Transaction Facilitation Act ReauthorizationMonitored HR 2192, the National Monument Designation Transparency and Accountability Act Opposed HR 2490, the Rogue Wilderness Area Expansion Act Opposed HR 2491, the Devils Staircase Wilderness Act Monitored HR 2511/S 1233, the Federal Land Freedom Act Monitored HR 2808, to designate certain National Forest System land in the Uinta-Wasatch-Cache National Forest in Salt Lake County, Utah, as wilderness, to facilitate a land exchange involving certain land in such National Forest, and for other purposes. Monitored HR 3008, the conveyance of a small parcel of National Forest Service land in Los Padres National Forest. Monitored HR 3022, the National Discovery Trails Act Monitored S 1572/HR 3287, the Protecting States, Opening Natural Parks Act Monitored HR 3409, the National Wildlife Refuge Expansion Limitation Act Mintored HR 3533, the Endangered Species Management Self-Determination Act Monitored HR 3606, the Emigrant Wilderness Historical Use Preservation Act Monitored HR 3661, the Public Access to Public Land Guarantee Act Monitored HR 3704, the Sedona-Red Rock National Scenic Area Act Monitored HR 3806, the Great Smoky Mountains National Park Agreement Act Monitored S 60, the Western states National Historic Trails Study Act Monitored S 61, the California Coastal national Monument Expansion Act Monitored S 341, the San Juan Mountains Wilderness Act Monitored S 352, the Devils Staircase Wilderness Act Monitored S 473, ensuring that Federal Register notices submitted to BLM are reviewed in a timely manner Monitored S 801, the Prairie Protection Act Monitored S 974, the Las Vegas Valley Public Land and Tule Springs Fossil Beds National Monument Act Monitored S 1054, the Gold Butte National Conservation Area Act Monitored S 1160, the Complete Americas Great Trails Act Monitored S 1167, the Elko Motocross and Tribal Conveyance Act Monitored S 1232, the Great Lakes Ecological and Economic Protection Act Monitored S 1237, the Omnibus Territories ActMonitored S 1309, a bill to withdraw and reserve certain public land under the jurisdiction of the Secretary of the Interior for military uses, and for other purposes. Monitored S 1415, the Canyon Mountain Land Conveyance Act Monitored S 1430, the Idaho wilderness water Resources Protection Act Monitored S 1520, the York River Wild and Scenic River Study Act Monitored S 1784, the Oregon and California Land Grant Act Monitored S 1794, the Browns Canyon National Monument and Wilderness Act+ Monitored S 1805, the Organ MountainsDesert Peaks Conservation Act Monitored S 1829, to modify the boundaries of Cibola National Forest in New Mexico Monitored S 1888, the Inyo National Forest Land Exchange Act

Water Resources Protection efforts, S. 1054, H.R. 2276, Gold Butte National Conservation Act

Client expense: Not reported · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Bureau of Land Management (BLM), HOUSE OF REPRESENTATIVES, SENATE

Water Resources Protection efforts, S. 1054, H.R. 2276, Gold Butte National Conservation Act

Client expense: Not reported · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Bureau of Land Management (BLM), HOUSE OF REPRESENTATIVES, SENATE

Natural Resources-Mesquite Lands Act Amendments, H.R. 1744, S. 757 S. 1054, H.R. 2276- Gold Butte National Conservation Act

Client expense: Not reported · Firm income: Not reported

Government targets: Federal Aviation Administration (FAA), HOUSE OF REPRESENTATIVES, SENATE

Natural Resources-Mesquite Lands Act Amendments, H.R. 1744, S. 757 S. 1054, H.R. 2276- Gold Butte National Conservation Act

Client expense: Not reported · Firm income: Not reported

Government targets: Federal Aviation Administration (FAA), HOUSE OF REPRESENTATIVES, SENATE

Natural Resources-Mesquite Lands Act Amendments, H.R. 1744, S. 757 S. 1054, H.R. 2276- Gold Butte National Conservation Act

Client expense: Not reported · Firm income: Not reported

Government targets: Federal Aviation Administration (FAA), HOUSE OF REPRESENTATIVES, SENATE

Water Resources Protection efforts, S. 1054, H.R. 2276, Gold Butte National Conservation Act

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

Government targets: Army, Dept of (Corps of Engineers), Bureau of Land Management (BLM), HOUSE OF REPRESENTATIVES, SENATE

Water Resources Protection efforts, S. 1054, H.R. 2276, Gold Butte National Conservation Act

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

Government targets: Army, Dept of (Corps of Engineers), Bureau of Land Management (BLM), HOUSE OF REPRESENTATIVES, SENATE

Natural Resources-Mesquite Lands Act Amendments, H.R. 1744, S. 757 S. 1054, H.R. 2276- Gold Butte National Conservation Act

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

Government targets: Federal Aviation Administration (FAA), HOUSE OF REPRESENTATIVES, SENATE

Natural Resources-Mesquite Lands Act Amendments, H.R. 1744, S. 757 S. 1054, H.R. 2276- Gold Butte National Conservation Act

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

Government targets: Federal Aviation Administration (FAA), HOUSE OF REPRESENTATIVES, SENATE

Natural Resources-Mesquite Lands Act Amendments, H.R. 1744, S. 757 S. 1054, H.R. 2276- Gold Butte National Conservation Act

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

Government targets: Federal Aviation Administration (FAA), HOUSE OF REPRESENTATIVES, SENATE

S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 673 (to amend TILA to establish a national usury rate for consumer credit transactions)S. 690 (to create an Office of the Homeowner Advocate) S. 727 (to improve the examination of depository institutions, and for other purposes) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 949 (to oppose amending the Truth in Lending Act to change definitions provided for points and fees in connection with a mortgage transaction) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1217 (to provide secondary mortgage market reform, and for other purposes) S. 1349 (to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes) S. 1376 (to improve FHA and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes) S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) S. 3047 (to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.) S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members) S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit) S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions). S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies) S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC ) S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule) S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes). H.R. 830 (to continue to FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue HAMP) H.R. 861 (to continue NSP) H.R. 1077 (to oppose amending TILA to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1261 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions, and for other purposes) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 (to require minimum mortgage servicing standards) H.R. 1553 (to improve the examination of depository institutions, and for other purposes) H.R. 1566 (to oppose creating a federal charter for Internet consumer credit corporations, and for other purposes) H.R. 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1750 (to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers) H.R. 3211 (to oppose amending the Truth in Lending Act to improve upon definitions provided for points and fees in connection with a mortgage transaction) H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes)H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system) H.R. 3648 (to support amending the Internal Revenue Code of 1986 to exclude discharges of indebtedness on principal residences from gross income, and for other purposes) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purposes) H.R. 4310 (to support amending the Military Lending Act to provide additional enhancements of protections on consumer credit for members of the armed forces and their dependents) H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions) H.R. 6139 (to oppose federal chartering of national consumer credit corporations) BILLS UNDER DISCUSSION/NOT YET INTRODUCED Senate legislation to oppose amending the Truth in Lending Act to change definitions provided for points and fees in connection with a mortgage transaction Senate legislation to provide secondary mortgage market reform. Senate legislation on government sponsored enterprises (to ensure that there is a secondary market to serve low- and moderate-income communities) Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to address abusive payday lending practices Senate legislation to provide for a safe harbor legal liability standard for qualified mortgages House legislation to Protect American Taxpayers and Homeowners by Creating a Sustainable Housing Finance System House legislation on debit cards (to ensure there are fair consumer protections for debit card users)

See attachedUndertook lobbying activities relating to the maintenance/shared use of Johnson Valley Off-highway Recreational Area and Twentynine Palms Marine Corps Base in California. Monitored S 1197, the National Defense Authroization Act (NDAA) and undertook lobbying activities to include HR 1676 in Senate bill. Undertook lobbying activities relating to the restoration and preservation of the Bonneville Salt Flats. Undertook lobbying activities to support efforts and potential legislative proposals to include a more collaborative process in land use designations in the United States. Monitored HR 48, the Open Space Preservation Promotion Act Monitored HR 126, the Corolla Wild Horses Protection Act Monitored HR 139, the Udall-Eisenhower Arctic Wilderness Act Monitored HR 445, the National Heritage Area Act Monitored HR 576, the Save Endangered Species Act Monitored HR 638, the National Wildlife Refuge Review Act Monitored HR 758, the Utah Land Sovereignty Act Supported HR 819/S 486, the Preserving Access to Cape Hatteras National Seashore Recreation Area Opposed HR 1187, the Northern Rockies Ecosystem Protection Act Supported HR 1459, the Ensuring Public Involvement in the Creation of National Monuments Act Opposed HR 1630 and S 769, to designate millions of acres of land in Utah as Red Rock wilderness Monitored HR 1633, the Small Land Tracts Conveyance Act Supported HR 1676, to protect the Johnson Valley Off-Highway Vehicle (OHV) Area Monitored HR 1683, the Columbine-Hondo Wilderness Act Supported HR 1776, the Clear Creek National recreation Area and Conservation Act Monitored HR 1799, the Arizona Sonoran Desert Heritage Act Monitored HR 1825, the Recreational Fishing and Hunting Heritage and Opportunities Act Monitored HR 1834, the 21st Century Great Outdoors Commission Act Supported HR 1960, the National Defense Authorization Act Monitored HR 2068, the Federal Land Transaction Facilitation Act ReauthorizationMonitored HR 2192, the National Monument Designation Transparency and Accountability Act Opposed HR 2490, the Rogue Wilderness Area Expansion Act Opposed HR 2491, the Devils Staircase Wilderness Act Monitored HR 2511/S 1233, the Federal Land Freedom Act Monitored HR 2808, to designate certain National Forest System land in the Uinta-Wasatch-Cache National Forest in Salt Lake County, Utah, as wilderness, to facilitate a land exchange involving certain land in such National Forest, and for other purposes. Monitored HR 3008, the conveyance of a small parcel of National Forest Service land in Los Padres National Forest. Monitored HR 3022, the National Discovery Trails Act Monitored S 60, the Western states National Historic Trails Study Act Monitored S 61, the California Coastal national Monument Expansion Act Monitored S 341, the San Juan Mountains Wilderness Act Monitored S 352, the Devils Staircase Wilderness Act Monitored S 473, ensuring that Federal Register notices submitted to BLM are reviewed in a timely manner Monitored S 801, the Prairie Protection Act Monitored S 974, the Las Vegas Valley Public Land and Tule Springs Fossil Beds National Monument Act Monitored S 1054, the Gold Butte National Conservation Area Act Monitored S 1160, the Complete Americas Great Trails Act Monitored S 1167, the Elko Motocross and Tribal Conveyance Act Monitored S 1232, the Great Lakes Ecoological and Economic Protection Act Monitored S 1237, the Omnibus Territories Act Monitored S 1309, a bill to withdraw and reserve certain public land under the jurisdiction of the Secretary of the Interior for military uses, and for other purposes. Monitored S 1415, the Canyon Mountain Land Conveyance Act Monitored S 1430, the Idaho wilderness water Resources Protection Act Monitored S 1520, the York River Wild and Scenic River Study Act

Lobbying issues were: CFPB (encouraging Congress to keep in place an effective federal consumer-focused banking regulator); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); the future of the GSEs and the federal housing finance system [continued on next page][continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentive for servicers to modify loans to prevent foreclosures) Specific legislation that was the subject of lobbying activity: S.Con.Res. 8 (to oppose amendments that would cripple the regulatory process and weaken important public protections) S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 673 (to amend TILA to establish a national usury rate for consumer credit transactions) S. 690 (to create an Office of the Homeowner Advocate) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1217 (to provide secondary mortgage market reform, and for other purposes) S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (a bill to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) S. 3047 (a bill to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (a bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.) S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members) S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit)S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions). S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies) S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC ) S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule) S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes). H.R. 830 (to continue to FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue the Home Affordable Mortgage Program) H.R. 861 (to continue NSP) H.R. 1077 (to oppose amending the Truth in Lending Act's definitions of points and fees in connection with a mortgage transaction) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1221-1227 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1261 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions, and for other purposes) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 (to require minimum mortgage servicing standards) H.R. 1553 (to improve the examination of depository institutions, and for other purposes) H.R. 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers) H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes) H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system)[continued from previous page] H.R. 3648 (to support amending the Internal Revenue Code of 1986 to exclude discharges of indebtness on principal residences from gross income, and for other purposes) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purpo H.R. 4310 (to support amending the Military Lending Act to provide additional enhancements of protections on consumer credit for members of the armed forces and their dependents) H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions). H.R. 6139 (to oppose federal chartering of national consumer credit corporations) BILLS UNDER DISCUSSION/NOT YET INTRODUCED Senate legislation on government sponsored enterprises (to ensure that there is a secondary market to serve low- and moderate-income communities) Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to address abusive payday lending practices Senate legislation to provide for a safe harbor legal liability standard for qualified mortgages House legislation to "Protect American Taxpayers and Homeowners by Creating a Sustainable Housing Finance System" House legislation on debit cards (to ensure there are fair consumer protections for debit card users) Executive branch agencies and issues: Consumer Financial Protection Bureau overdraft fees, bank payday loans, payday loans, mortgage servicing, larger nonbank participants, credit cards, prepaid cards, auto lending, rules to be enforced, lending issues as related to military, interim legal authorities, Alternative Mortgage Transaction Parity Act (AMTPA), mortgage origination rules, depository supervision, qualified mortgage Dept of the Treasury--Office of the Comptroller of the Currency overdraft fees, bank payday loans, preemption, risk retention rules, servicing standards, servicing consent order/independent foreclosure review, mortgage origination rules, payday lendings impact on Community Reinvestment Act evaluations Dept of the Treasury HAMP, GSE reform, risk retention rules, mortgage origination rules Federal Reserve Board overdraft fees, bank payday loans, mortgage origination rules, risk retention rules, servicing standards, credit card rules, interchange revenue, Dodd-Frank implementation, servicing consent order/independent foreclosure review FDIC -- overdraft fees, risk retention rules, servicing standards, bank payday loans, prepaid cards National Credit Union Administration -- regulation of credit union service organizations, payday lending, payday alternative loans Federal Trade Commission -- auto financing HUD -- GSE reform, risk retention rules, mortgage origination rules White House -- foreclosure prevention, risk retention rules, mortgage refinance Federal Housing Finance Administration -- foreclosure prevention, servicing standards

Water Resources Protection efforts, S. 1054, H.R. 2276, Gold Butte National Conservation Act

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

Government targets: Army, Dept of (Corps of Engineers), Bureau of Land Management (BLM), HOUSE OF REPRESENTATIVES, SENATE

Water Resources Protection efforts, S. 1054, H.R. 2276, Gold Butte National Conservation Act

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

Government targets: Army, Dept of (Corps of Engineers), Bureau of Land Management (BLM), HOUSE OF REPRESENTATIVES, SENATE

Natural Resources-Mesquite Lands Act Amendments, H.R. 1744, S. 757 S. 1054, H.R. 2276- Gold Butte National Conservation Act

Client expense: Not reported · Firm income: Not reported

Government targets: Federal Aviation Administration (FAA), HOUSE OF REPRESENTATIVES, SENATE

Natural Resources-Mesquite Lands Act Amendments, H.R. 1744, S. 757 S. 1054, H.R. 2276- Gold Butte National Conservation Act

Client expense: Not reported · Firm income: Not reported

Government targets: Federal Aviation Administration (FAA), HOUSE OF REPRESENTATIVES, SENATE

Natural Resources-Mesquite Lands Act Amendments, H.R. 1744, S. 757 S. 1054, H.R. 2276- Gold Butte National Conservation Act

Client expense: Not reported · Firm income: Not reported

Government targets: Federal Aviation Administration (FAA), HOUSE OF REPRESENTATIVES, SENATE

See attachedUndertook lobbying activities relating to the maintenance/shared use of Johnson Valley Off-highway Recreational Area and Twentynine Palms Marine Corps Base in California. Supported HR 1676, the Johnson Valley National Off-Highway Vehicle Recreation Area Establishment Act Supported HR 1960, the National Defense Authorization Act (NDAA) with Johnson Valley National Off-Highway Vehicle Recreation Area Establishment Act (HR 1676) included. Monitored S 1197, the National Defense Authroization Act (NDAA) and undertook lobbying activities to include HR 1676 in Senate bill. Undertook lobbying activities relating to the restoration and preservation of the Bonneville Salt Flats. Undertook lobbying activities to support efforts and potential legislative proposals to include a more collaborative process in land use designations in the United States. Monitored HR 48, the Open Space Preservation Promotion Act Monitored HR 126, the Corolla Wild Horses Protection Act Monitored HR 139, the Udall-Eisenhower Arctic Wilderness Act Monitored HR 445, the National Heritage Area Act Monitored HR 576, the Save Endangered Species Act Monitored HR 638, the National Wildlife Refuge Review Act Monitored HR 758, the Utah Land Sovereignty Act Supported HR 819/S 486, the Preserving Access to Cape Hatteras National Seashore Recreation Area Opposed HR 1187, the Northern Rockies Ecosystem Protection Act Supported HR 1459, the Ensuring Public Involvement in the Creation of National Monuments Act Opposed HR 1630 and S 769, to designate millions of acres of land in Utah as Red Rock wilderness Monitored HR 1633, the Small Land Tracts Conveyance Act Monitored HR 1683, the Columbine-Hondo Wilderness Act Supported HR 1776, the Clear Creek National recreation Area and Conservation Act Monitored HR 1799, the Arizona Sonoran Desert Heritage Act Monitored HR 1825, the Recreational Fishing and Hunting Heritage and Opportunities Act Monitored HR 1834, the 21st Century Great Outdoors Commission Act Monitored HR 2068, the Federal Land Transaction Facilitation Act ReauthorizationMonitored HR 2192, the National Monument Designation Transparency and Accountability Act Opposed HR 2490, the Rogue Wilderness Area Expansion Act Opposed HR 2491, the Devils Staircase Wilderness Act Monitored HR 2511/S 1233, the Federal Land Freedom Act Monitored S 60, the Western states National Historic Trails Study Act Monitored S 61, the California Coastal national Monument Expansion Act Monitored S 341, the San Juan Mountains Wilderness Act Monitored S 352, the Devils Staircase Wilderness Act Monitored S 473, ensuring that Federal Register notices submitted to BLM are reviewed in a timely manner Monitored S 801, the Prairie Protection Act Monitored S 974, the Las Vegas Valley Public Land and Tule Springs Fossil Beds National Monument Act Monitored S 1054, the Gold Butte National Conservation Area Act Monitored S 1160, the Complete Americas Great Trails Act Monitored S 1167, the Elko Motocross and Tribal Conveyance Act Monitored S 1237, the Omnibus Territories Act Monitored S 1309, A bill to withdraw and reserve certain public land under the jurisdiction of the Secretary of the Interior for military uses, and for other purposes.

Lobbying issues were: CFPB (encouraging Congress to keep in place an effective federal consumer-focused banking regulator); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); the future of the GSEs and the federal housing finance system [continued on next page][continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentive for servicers to modify loans to prevent foreclosures) Specific legislation that was the subject of lobbying activity: S.Con.Res. 8 (to oppose amendments that would cripple the regulatory process and weaken important public protections) S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 673 (to amend TILA to establish a national usury rate for consumer credit transactions) S. 690 (to create an Office of the Homeowner Advocate) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (a bill to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) S. 3047 (a bill to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (a bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.) S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members) S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit) S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions).S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies) S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC ) S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule) S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes). H.R. 830 (to continue to FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue the Home Affordable Mortgage Program) H.R. 861 (to continue NSP) H.R. 1077 (to oppose amending the Truth in Lending Act's definitions of points and fees in connection with a mortgage transaction) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1221 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R 1222 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1223 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1224 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1225 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1226 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1227 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1261 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions, and for other purposes) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 (to require minimum mortgage servicing standards) H.R. 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers) H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes) H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system)[continued from previous page] H.R. 3648 (to support amending the Internal Revenue Code of 1986 to exclude discharges of indebtness on principal residences from gross income, and for other purposes) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purpo H.R. 4310 (to support amending the Military Lending Act to provide additional enhancements of protections on consumer credit for members of the armed forces and their dependents) H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions). H.R. 6139 (to oppose federal chartering of national consumer credit corporations) The organization supported the appointment of Richard Cordray as director of the Consumer Financial Protection Bureau. BILLS UNDER DISCUSSION/NOT YET INTRODUCED Senate legislation on government sponsored enterprises (to ensure that there is a secondary market to serve low- and moderate-income communities) Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to address abusive payday lending practices Senate legislation to provide for a safe harbor legal liability standard for qualified mortgages House legislation on debit cards (to ensure there are fair consumer protections for debit card users) Executive branch agencies and issues: Consumer Financial Protection Bureau overdraft fees, bank payday loans, payday loans, mortgage servicing, larger nonbank participants, credit cards, prepaid cards, auto lending, rules to be enforced, lending issues as related to military, interim legal authorities, Alternative Mortgage Transaction Parity Act (AMTPA), mortgage origination rules, depository supervision, qualified mortgage Dept of the Treasury--Office of the Comptroller of the Currency overdraft fees, bank payday loans, preemption, risk retention rules, servicing standards, servicing consent order/independent foreclosure review, mortgage origination rules, payday lendings impact on Community Reinvestment Act evaluations Dept of the Treasury HAMP, GSE reform, risk retention rules, mortgage origination rules Federal Reserve Board overdraft fees, bank payday loans, mortgage origination rules, risk retention rules, servicing standards, credit card rules, interchange revenue, Dodd-Frank implementation, servicing consent order/independent foreclosure review FDIC -- overdraft fees, risk retention rules, servicing standards, bank payday loans, prepaid cards National Credit Union Administration -- regulation of credit union service organizations, payday lending, payday alternative loans Federal Trade Commission -- auto financing HUD -- GSE reform, risk retention rules, mortgage origination rules White House -- foreclosure prevention, risk retention rules, mortgage refinance Federal Housing Finance Administration -- foreclosure prevention, servicing standards