Housing Finance Reform and Taxpayer Protection Act of 2014

Financial Services Issues. Eminent Domain. Financial Regulation Reform. S. 1217: Housing Finance Reform and Taxpayer Protection Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Mortgage and housing related issues. S. 1217: Housing Finance Reform and Taxpayer Protection Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S 1217" Housing Finance Reform and Taxpayer Protection Act of 2013," all provisions.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Mortgage and housing related issues. S. 1217: Housing Finance Reform and Taxpayer Protection Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial Services Issues. Eminent Domain. Financial Regulation Reform. S. 1217: Housing Finance Reform and Taxpayer Protection Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1217 Housing Finance Reform Taxpayer Protection Act of 2014 HR 1223 GSE Credit Risk Equitable Treatment Act HR 1224 GSE Portfolio Risk Reduction Act HR 1227 GSE Risk and Activities Limitation Act HR 4889 GSE Bailout Elimination and Taxpayer Protection Act Mortgage Finance Act of 2015 S. 1376 FHA Solvency Act HR 2767 Protecting American Taxpayers and Homeowners Act of 2013

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

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Treasury, Dept of

S 1217" Housing Finance Reform and Taxpayer Protection Act of 2013," all provisions.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1217 (Housing Finance Reform and Taxpayer Protection Act); specific interest in provisions relating to investor protection and investor immunity. H.R. 1210 (Portfolio Lending and Mortgage Access Act); amends the Truth in Lending Act to provide a safe harbor from certain requirements related to qualified mortgages for residential mortgage loans held on an originating depository institutions portfolio, and for other purposes. S. 812 (CLEAR Relief Act of 2015); amends the Sarbanes-Oxley Act of 2002 to exempt from its rules regarding management assessment of internal controls the following institutions which, as of the end of the preceding fiscal year, had total consolidated assets of $1 billion or less (adjusted annually according to a certain formula): (1) a bank holding company, (2) a savings and loan holding company, or (3) an insured depository institution.

Client expense: $1,370,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Education, Dept of, Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

H.R. 233: The Tenant Income Verification Relief Act of 2015. Introduced by Representatives Ed Perlmutter (D-CO) and Steve Stivers (R-OH) on 1/8/15. This bill would allow income reviews for fixed-income families to be completed every three years rather than the current annual inspection used to determine assisted housing program eligibility; all provisions S.1442: Improving the Low Income Housing Tax Credit Rate Act of 2014. This bill would make permanent a 9 percent minimum rate for new housing projects and 4 percent rate for acquiring existing housing for rehabilitation; all provisions H.R. 1142: To amend the Internal Revenue Code of 1986 to make permanent and expand the temporary minimum credit rate for the low-income housing tax credit. This bill would make permanent a 9 percent minimum rate for new housing projects and 4 percent rate for acquiring existing housing for rehabilitation; all provisions S.1217 - Housing Finance Reform and Taxpayer Protection Act of 2013: A bill to provide secondary mortgage market reform, and for other purposes; all provisions. HUD Initiative "Transforming Multifamily for the 21st Century"; all provisions. HUD Notice, "Affirmatively Furthering Fair Housing:Re-Opening Public Comment Period on Subject of Later First AFH Submission Date for Certain Entities" [Docket No. FR-5173-N-03] January 15, 2015; all provisions HUD Notice, "Streamlining Administrative Regulations for Public Housing,Housing Choice Voucher, Multifamily Housing, and Community Planning and Development Programs" [Docket No. FR 5743-P-01] January 6, 2015; all provisions HUD Notice PIH 2015-03, "Implementation of the Federal Fiscal Year (FFY) 2015 Funding Provisions for the Housing Choice Voucher Program" February 27, 2015; all provisions HUD Proposed Rule,"Supportive Housing and Services for the Elderly and Persons With Disabilities:Implementing Statutory Reforms-Reopening of Public Comment" [Docket No. FR-5576-N-02], Dec 11, 2014; all provisions HUD Notice, "Applicability of Davis-Bacon Labor Requirements to Projects Selected as Existing Housing Under the Section 8 Project-Based Voucher Program- Guidance" [Docket No. FR-5242-N-03] March 9, 2015; all provisions HUD Memorandum, "Use of Marijuana in Multifamily Assisted Properties" December 29, 2014; all provisions HUD Memorandum, "Occupancy Protections for HUD-Assisted Households in Properties with Low-Income Housing Tax Credits" January 12, 2015; all provisions HUD Notice, "Streamlining Management and Occupancy Reviews for Section 8 Housing Assistance Programs and Amending Vacancy Payments for Section 8 and Section 162 Housing Assistance Programs" [Docket No. FR-5654-P-01] January 14, 2015; all provisions HUD Notice, "Section 8 Housing Assistance Programs Proposed Management and Occupancy Review Schedule" [Docket No. FR-5654-N-02] January 14, 2015; all provisions HUD Notice, "HUD Approval of Requests for Transfers of Multifamily Housing Project-Based Rental Assistance, HUD Held or Insured Debt, and Income-Based Use Restrictions" [Docket No. FR-5779-N-01] March 31, 2015; all provisions HUD Memorandum, "Affordable Housing Clarifications" Multifamily housing financing clarifications and policy updates January 30, 2015; all provisions HUD Notice, "Section 8 Housing Assistance Payments Program-Annual Adjustment Factors, Fiscal Year 2015" [Docket No. FR-5844-N-01] February 9, 2015; all provisions HUD Notice, "Rental Assistance Demonstration (RAD)-Updated Application Review and Commitments To Enter Into Housing Assistance Payment Contracts (CHAPs) Issuance Process for First Component RAD Transactions" [Docket No. FR-5630-N-06] January 29, 2015; all provisions HUD Notice, "Enforcement of Davis-Bacon Act wage requirements for projects participating in the second component of the Rental Assistance Demonstration program" December 23, 2015 HUD Preliminary Draft Notice, "Methodology for Completing a Multifamily Housing Utility Analysis" September, 2014 HUD Notice, "Notice of Intent To Conduct a Violence Against Women Act (VAWA) and Housing Opportunities for Persons With AIDS (HOPWA) Project Demonstration" [Docket No. FR-5853-N-01] March 13, 2015; all provisions HUD Notice, "Violence Against Women Reauthorization Act of 2013: Implementation in HUD Housing Programs" [Docket No. FR-5720-P-02] March 25, 2015; all provisions of this HUD regulation, with emphasis on language concerning emergency housing transfers for victims of domestic violence claiming protection under VAWA HUD Notice CPD-15-03, "Interim Policy on Maximum Per-unit Subsidy Limits for the HOME Program" March 17, 2015; all provisions Rural Development Notice HB-2-3650, "Fiscal Year 2015 Per Occupied Unit Per Month State Maximum Management Fee" October 24, 2014; all provisions Rural Development Unnumbered Letter, "Management of Loan Payoffs for the Multi-Family Direct Loan Portfolio" January 16, 2015; all provisions Rural Development Unnumbered Letter, "Guidance for Rural Development to Complete Area Market Rent Studies for the Rural Development Voucher Program" January 16, 2015; all provisions Rural Development Unnumbered Letter, "Fiscal Year 2015 Site Manager and Maintenance Person of the Year Recognition Program" March 13, 2015; all provisions Rural Development Unnumbered Letter, "Guidance on the Capital Needs Assessment (CNA) Process" March 13, 2015; all provisions Offered recommendations in response to USDA-RHS' informal request for ideas to implement a performance-based management fee for apartments that receive Rural Rental Assistance. Advocated for policies to address ongoing occupancy issues, including prolonged vacancies, in properties that participate in USDA-RHS's Multifamily Housing programs. Advocated for policies to address improper payments in USDA-RHS's Section 521 Rural Rental Assistance program. All policies related to USDA Rural Development's Improper Payments Information Act (IPIA) audit for the Rental Assistance Program, Multi-Family Integrated System and its findings reviews, and rural housing preservation. Rural Development Administrative Notice No.4778 (1944-N), "Implementation of 42 U.S.C. 14043e-11 of the Violence Against Women Reauthorization Act in Rural Developments Multi-Family Housing Programs" January 5, 2015; all provisions in this administrative notice, with emphasis placed on conflicting VAWA regulations between Rural Development and HUD

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

Government targets: Agriculture, Dept of (USDA), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, White House Office

H.R. 189 (Transparency and Security in Mortgage Registration Act of 2013); H.R. 2767 (Protecting American Taxpayers and Homeowners Act of 2013); S. 563 (Jumpstart GSE Reform Act); S. 1217 (Housing Finance Reform and Taxpayer Protection Act of 2013); Dodd-Frank Wall Street Reform and Consumer Protection Act Implementation; Housing Affordability and Stability Plan; Housing finance issues (General); Servicing compensation; Credit Rating Agency Reform; Government Sponsored Enterprise (GSE) Reform; Strategic plan for conservatorships of the GSEs; Eminent Domain; Equity market structure issues; Capital standards; Ginnie Mae securitization programs; The Volcker Rule implementation; The Volcker Rule collaterized loan obligations (CLO) issue; Johnson-Crapo Housing Finance Reform Bill; Delaney-Carney-Rimes Housing Finance Reform Bill.

Client expense: $1,770,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Ginnie Mae, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Security Council (NSC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 1 (Tax Reform Legislation); H.R. 684 (Marketplace Fairness Act); H.R. 789 (Build America Bonds Extension Act of 2013); H.R. 797 (Municipal Advisor Oversight Improvement Act of 2013); H.R. 798 (Workforce Investment Act of 2013); H.R. 880 (Wall Street Trading and Speculators Tax Act); H.R. 949 (Invest in American Jobs Act of 2013); H.R. 1579 (Inclusive Prosperity Act of 2013); H.R. 2788 (Mortgage Forgiveness Tax Relief Act); H.R. 2994 (Mortgage Forgiveness Tax Relief Act of 2013); S. 336 (Marketplace Fairness Act); S. 410 (Wall Street Trading and Speculators Tax Act); S. 743 (Marketplace Fairness Act); S. 1187 (Mortgage Forgiveness Tax Relief Act); S. 1217 (Housing Finance Reform and Taxpayer Protection Act of 2013); S. 1257 (Protect American Investments Act of 2013); S. 1706 (Fair Playing Field Act of 2013); Regulations implementing Internal Revenue Code Section 871(m); Dodd-Frank Wall Street Reform and Consumer Protection Act Implementation; U.S. and foreign Financial Transaction Tax Legislation Proposals; Tax issues related to standardization of credit default swaps and derivatives transactions; Extension of Active Financing Rules; Administration's Financial Crisis Responsibility Fee; Tax issues related to interest expense allocation; Tax treatment of capital gains and dividends; Tax classification of independent contractors; Taxation of cross-border equity swaps; Corporate tax reporting rules; Tax reporting requirements for foreign financial institutions on certain foreign accounts; Foreign Account Tax Compliance Act of 2010 (FATCA); Extension of the Alternative Minimum Tax, tax exemption for private activity bonds; Securities cost basis reporting regulations; International tax reform; United States individual and business taxation; Preservation of tax incentives for retirement plans; Tax extenders; Municipal Advisor Regulation; Cost-basis reporting regulations; Issues related to standardization of derivatives transactions; Tax Reform Act of 2014; Issues related to proposals to impose an asset tax on financial institutions; Issues related to proposals to limit the deductability of FDIC assessments.

Client expense: $1,770,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Ginnie Mae, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Security Council (NSC), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

S. 2244The Terrorism Risk Insurance Program Reauthorization Act of 2014 S. 1376 FHA Solvency Act of 2013 H.R. 2767 Protecting American Taxpayers and Homeowners (PATH) Act S. 949 Consumer Mortgage Choice Act S. 1217 Housing Finance Reform and Taxpayer Protection Act of 2013 S. 469 A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program. H.R. 2733 The Defending American Taxpayers from Abusive Government Takings Act S. 766 A bill to amend section 520 of the Housing Act of 1949 to revise the census data and population requirements for areas to be considered as rural areas for purposes of such Act. S. 1243 Transportation, Housing and Urban Development and related Agencies appropriations. S. 1375 Rebuilding Equity Act of 2013 H.R. 2610 the Transportation, Housing and Urban Development, and related agencies Appropriations Act for FY 2014 H.R. 3211 Mortgage Choice Act of 2013; To amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. S. 1577Mortgage Choice Act of 2013; A bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 83FY 2015 Omnibus; Consolidated and Further Appropriations Act

Client expense: $675,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

S. 1376 FHA Solvency Act of 2013 H.R. 2767 Protecting American Taxpayers and Homeowners (PATH) Act S. 949 Consumer Mortgage Choice Act S. 1217 Housing Finance Reform and Taxpayer Protection Act of 2013 S. 469 A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program. S. 1577Mortgage Choice Act of 2013; A bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 3211 Mortgage Choice Act of 2013; To amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction.

Client expense: $675,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

S. 1577 - Mortgage Choice Act of 2013 H.R. 3211 - Mortgage Choice Act of 2013 S. 1376 - FHA Solvency Act of 2013 H.R. 2767 - Protecting American Taxpayers and Homeowners (PATH) Act H.R. 1077 - Consumer Mortgage Choice Act S. 949 - Consumer Mortgage Choice Act S. 1217 - Housing Finance Reform and Taxpayer Act of 2013 S. 469 - A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program. H.R. 2642 - Federal Agriculture Reform and Risk Management Act S. 954 - Agriculture Reform, Food and Jobs Act H.R. 2733 - Defending American Taxpayers from Abusive Government Takings Act.

Client expense: $1,010,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

S. 1577 - Mortgage Choice Act of 2013 H.R. 3211 - Mortgage Choice Act of 2013 S. 1376 - FHA Solvency Act of 2013 H.R. 2767 - Protecting American Taxpayers and Homeowners (PATH) Act H.R. 1077 - Consumer Mortgage Choice Act S. 1217 - Housing Finance Reform and Taxpayer Act of 2013 S. 469 - A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program. S. 766 - A bill to amend section 520 of the Housing Act of 1949 to revise the census data and population requirements for areas to be considered as rural areas for purposes of such Act. S. 1243 - Transportation, Housing and Urban Development, and Related Agencies Appropriations. S. 1375 - Rebuilding Equity Act of 2013 H.R. 2610 - Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2014

Client expense: $1,010,000 · Firm income: Not reported

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

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 to oppose amending the Truth in Lending Act to improve upon 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 (a bill to improve FHA and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes) S. 1577 (to oppose 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 (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. 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 (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 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 a 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. 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 indebtness 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. 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).

Client expense: $35,000 · Firm income: Not reported

Government targets: Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), Postal Regulatory Commission, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Issues related to traditional banking and bank regulation including the following legislation: Eliminate Privacy Notice Confusion Act (HR 749); Financial Regulatory Responsibility Act of 2013 (S 450); Dodd-Frank Wall Street Reform and Consumer Protection Technical Corrections Act of 2013 (S 451); Privacy Notice Modernization Act of 2013 (S 635); Housing Finance Reform and Taxpayer Protection Act of 2013 (S 1217); Protecting American Taxpayers and Homeowners Act of 2013 (HR 2767).

Client expense: $920,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

electric cooperative financing; S. 1217, Housing Finance Reform and Taxpayer Protection Act of 2013; H.R. 2667, Protecting American Taxpayers and Homeowners Act of 2013

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

electric cooperative financing; S. 1217, Housing Finance Reform and Taxpayer Protection Act of 2013; H.R. 2667, Protecting American Taxpayers and Homeowners Act of 2013

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1077/S. 949, the Consumer Mortgage Choice Act; H.R. 3211/S. 1577, the Mortgage Choice Act; H.R. 5461, improves upon the points and fees definitions; GSE reform general; H.R. 83. Continuing Appropriations Act, 2015; S. 2244, the Terrorism Risk Insurance Program Reauthorization Act of 2014; S. 1217, Housing Finance Reform and Taxpayer Protection Act of 2013; Dodd-Frank Act (especially QM, CFPB matters); FHA and VA residential; CFPB; HUD FHA HECM; and FHFA issues general.

Client expense: $220,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, White House Office

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. H.R. 2140, the Insurance Capital and Accounting Standards Act of 2013. Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) and the Home Owners' Loan Act to make minimum leverage and risk-based capital requirements governing insurance companies under the state law also apply to insurance companies that are either depository holding companies or subsidiaries of depository holding companies. Issue: Capital Standards, Basel III H.R. 1062, SEC Regulatory Accountability Act. Issue: SEC Rulemaking, Cost-Benefit Analysis, Derivatives H.AMDT.64 to H.R. 1062, Amendment expresses the sense of Congress that rules adopted by the Public Company Accounting Oversight Board (PCAOB) comply with the same standards required of the SEC. It also requires the SEC to ensure that any rules adopted by the Municipal Securities Rulemaking Board (MSRB), and other national securities associations comply with the standards set forth in the bill. Issue: FINRA, Securities Rulemaking H.R. 1564, the Audit Integrity and Job Protection Act. Amends the Sarbanes-Oxley Act of 2002 (SOX) to deny the Public Company Accounting Oversight Board any authority to require that audits conducted for a particular issuer of securities in accordance with SOX standards be conducted by specific auditors, or that such audits be conducted for an issuer by different auditors on a rotating basis. Issue: Mandatory Auditor Rotation H.R. 2374, the Retail Investor Protection Act. To amend the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. Issue: Fiduciary Duties S. 731, the Basel III CASE Act. Directs the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency, before issuing any final rule in relation to proposals they have issued for the International Basel III agreement on general risk-based capital requirements, to conduct an empirical study that includes: (1) a quantitative analysis of the rule's impact on the U.S. financial services sector, specifically community, mid-size, and regional financial institutions; and (2) a determination of the long-term impact of the rule, including changes to the current risk weight framework. Issue: Capital Standards for Community Banks H.R 2547, the Determination of Appropriate Risk-Based Capital Requirements for Community Financial Institutions Act of 2013. To determine appropriate risk based capital requirements for community, mid-size, and regional institutions. Issue: Capital Standards for Community Banks S. 798, TBTF Act. Requires federal banking agencies to establish capital requirements for the ratio of equity capital to total consolidated assets for all financial institutions. Issue: Capital Standards S. 1369, a bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance. Issue: Capital Standards S. 1526, The Audit Integrity and Job Protection Act, to prevent the Public Company Accounting Oversight Board (PCAOB) from requiring public companies to use a specific auditor or to change auditors on a rotating basis. Issue: Mandatory Auditor Rotation H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 to prohibit Fannie Mae and Freddie Mac from purchasing, the FHA from insuring, and the Department of Agriculture from guaranteeing, making, or insuring, a mortgage that is secured by a residence or residential structure located in a county in which the State has used the power of eminent domain to take a residential mortgage. Issue: Mortgage Investments H.R. 2767, the Protect American Taxpayers & Homeowners (PATH) Act. Issue: Mortgage Investments and Government Sponsored Enterprises/Federal Home Loan Banks Draft H.AMDT to HR 2610, Transportation, Housing & Urban Development Appropriations, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. Provision in H.R. 4745, Transportation, Housing & Urban Development Appropriations, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. S. 2102, a bill to clarify the application of certain leverage and risk based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Capital Standards. H.R. 4510 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 5016 - Financial Services and General Government Appropriations Act, 2015. Making appropriations for financial services and general government for the fiscal year ending September 30, 2015, and for other purposes. Issue: Global insurance standards Draft Senate bill on Financial Services and General Government Appropriations Act, 2015. Making appropriations for financial services and general government for the fiscal year ending September 30, 2015, and for other purposes. Issue: Global insurance standards H.R. 4557 - Policyholder Protection Act of 2014. To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. Issue: Source of strength S. 1217- Housing Finance Reform and Taxpayer Protection Act of 2013. Authorizes the Federal Mortgage Insurance Corporation to provide insurance to any covered security regardless of whether it has satisfied credit-risk sharing requirements if unusual and exigent circumstances have created an anomalous lack of mortgage credit availability. Issue: Government Sponsored Enterprises. Senate ADMT to S. 1217-Housing Finance Reform and Taxpayer Protection Act of 2014. To provide for prohibitions relating to the use of the power of eminent domain. Issue: Mortgage Investments H.R. 4881, a bill to place a 6-month moratorium on the authority of the Financial Stability Oversight Council to make financial stability determinations. Issue: Global insurance standards. H.R. 749 - Eliminate Privacy Notice Confusion Act. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, and (2) has not changed its policies and practices with regard to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers. Issue: privacy S. 635 - Privacy Notice Modernization Act of 2013. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual written privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, (2) has not changed its policies and practices with respect to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers, and (3) otherwise provides customers access to such most recent disclosure in electronic or other form permitted by specified regulations. Issue: privacy H.R. 5018 - Federal Reserve Accountability and Transparency Act of 2014. This bill amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System. Issue: global insurance standards. H.Res.735 - Expressing the sense of the House of Representatives that recently proposed measures that will reduce transparency and public participation at the International Association of Insurance Supervisors (IAIS) should be disapproved by United States representatives to the IAIS. Issue: global insurance standards. S.Res. 561 - A resolution expressing the sense of the Senate that recently proposed measures that will reduce transparency and public participation at the International Association of Insurance Supervisors (IAIS) should be disapproved by United States representatives to the IAIS. Issue: global insurance standards. H.R._____, Draft legislation on the development of global insurance standards. Issue: global insurance standards. H.R. 5421 - Financial Institution Bankruptcy Act of 2014. To amend title 11 of the United States Code in order to facilitate the resolution of an insolvent financial institution in bankruptcy. Is

Client expense: $1,273,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013 S. 2102, A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act S.1369, A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes S. 1217, Housing Finance Reform and Taxpayer Protection Act H.R. 4167, Restoring Proven Financing for American Employers Act CFTC No Action Letter 14-02 and 14-03 CFTC Concept Release on Risk Controls and System Safeguards for Automated Trading Environments Federal Reserve Proposed Rule on FRB, Enhanced Prudential Standards and Early Remediation Requirements for Covered Companies (77 Fed. Reg. 594, Jan. 5, 2012) The Volcker Rule Interpretation issues regarding: Securities Act of 1933 and Investment Company Act of 1940

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

Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Policy issues related to housing finance and real estate investment trusts to include S. 1217, H.R. 2767, H.R. 5055 and the proposed rule for eligibility in the Federal Home Loan Bank system.

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

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

Policy issues related to housing finance and real estate investment trusts to include S. 1217, H.R. 2767, H.R. 5055 and the proposed rule for eligibility in the Federal Home Loan Bank system.

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

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

H.R. 5148, Access to Affordable Mortgages Act of 2014; H.R. 5461,To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act; S. 1217, Housing Finance Reform and Taxpayer Protection Act of 2013, entire bills. Interagency proposed rule on minimum requirements for appraisal management companies.

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

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

H.R. 5148, Access to Affordable Mortgages Act of 2014; H.R. 5461,To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act; S. 1217, Housing Finance Reform and Taxpayer Protection Act of 2013, entire bills. Interagency proposed rule on minimum requirements for appraisal management companies.

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

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

S. 1217, Housing Finance Reform and Taxpayer Protection Act of 2014; Discussion Draft Tax Refom Act of 2014

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

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

General issues related to the implementation of the Dodd-Frank Act, financial regulatory reform, GSE reform, cybersecurity, privacy, and patents. Specific issues included systemic regulation (Luetkemeyer, HR 3036) and rules related to enhanced systemic prudential regulation under Title I of the Dodd-Frank Act, cybersecurity information sharing (Rogers, HR 624), data breach legislation, GSE reform (Hensarling, HR 2767; Crapo-Johnson, S.1217), and the FHFA proposed rule on FHLB membership.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General issues related to the regulation of Government Sponsored Enterprises and the regulation of the Federal Home Loan Bank System. Specific issues included reform of Fannie Mae and Freddie Mac, provisions impacting the Federal Home Loan Bank System, including mutual cooperative structures and community bank access to any new secondary market mechanism. Bills included S.1217 (Crapo-Johnson), and H.R. 2767 - PATH Act (Hensarling). Issues related to FHLB system mergers.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

General issues related to GSE reform and the future of housing finance. Specific issues included the treatment of investors in publicly traded mortgage backed securities, debt, and equities of Fannie Mae and Freddie Mac, in reform proposals including the Protecting American Taxpayers and Homeowners Act (Hensarling, HR 2767), and the Housing Finance Reform and Taxpayer Protection Act (Crapo-Johnson, S.1217).

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Met with House and Senate on large bank issues Met with House and Senate on credit card issues Met with House and Senate staff on capital leverage matters Met with House and Senate staff on flood insurance issues Met with House and Senate issues related to data security and payments system integrity H.R.613 - Systemic Risk Mitigation Act - all provisions H.R.677 - Inter-Affiliate Swap Clarification Act - all provisions H.R.992 - Swaps Regulatory Improvement Act - all provisions H.R.1256 - Swap Jurisdiction Certainty Act - all provisions H.R.1341 - Financial Competitive Act of 2013 - all provisions H.R.2767 - Protecting American Taxpayer and Homeowners (PATH) Act of 2013 - all provisions H.R.3448 - the Small Cap Liquidity Reform Act of 2013 - all provisions H.R.4167 - the Restoring Proven Financing for American Employers Act - all provisions H.R.4413 - Customer Protection and End User Relief Act - all provisions H.R.5421 - The Financial Institution Bankruptcy Act of 2014 - all provisions H.R.5461 - To clarify 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 - all provisions S.169 - I-Squared Act of 2013 - all provisions S.296 - Uniting American Families Act of 2013 - all provisions S.474 - Swaps Regulatory Improvement Act - all provisions S.798 - Terminating Bailouts for Taxpayer Fairness Act - all provisions S.1217 - Housing Finance Reform Act - all provisions S.1282 - 21st Century Glass-Steagall Act of 2013 - all provisions

Client expense: $1,320,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Short-term rental housing H.R.3825-Work Force Housing Act of 2011 S.2035-Workforce Residential Housing Act of 2011 S.1217-Housing Finance Reform and Taxpayer Protection Act of 2013S.2893-Workforce Residential Housing Act of 2014

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

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

S.1217, Housing Finance Reform and Taxpayer Protection Act of 2013; H.R. 2667, Protecting American Taxpayers and Homeowners Act of 2013; FHA issues, Private Mortgage Insurance Eligibility Requirements.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S.1217, Housing Finance Reform and Taxpayer Protection Act of 2013; H.R. 2667, Protecting American Taxpayers and Homeowners Act of 2013; FHA issues, Private Mortgage Insurance Eligibility Requirements.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to tax reform, mortgage insurance deductibility, housing, Federal Housing Administration solvency, government sponsored enterprise reforms, and the implementation of Dodd-Frank as it pertains to mortgage service providers. S. 563 - Jumpstart GSE Reform Act S. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 S. 1376 - FHA Solvency Act of 2013 S. 2260 - Expiring Provisions Improvement, Reform, and Efficiency (EXPIRE) Act of 2014 H.R. 5771 - To amend the Internal Revenue Code of 1986 to extend certain expiring provisions and make technical corrections, to amend the Internal Revenue Code of 1986 to provide for the tax treatment of ABLE accounts established under State programs for the care of family members with disabilities, and for other purposes

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to tax reform, mortgage insurance deductibility, housing, Federal Housing Administration solvency, government sponsored enterprise reforms, and the implementation of Dodd-Frank as it pertains to mortgage service providers. S. 563 - Jumpstart GSE Reform Act S. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 S. 1376 - FHA Solvency Act of 2013 S. 2260 - Expiring Provisions Improvement, Reform, and Efficiency (EXPIRE) Act of 2014 H.R. 5771 - To amend the Internal Revenue Code of 1986 to extend certain expiring provisions and make technical corrections, to amend the Internal Revenue Code of 1986 to provide for the tax treatment of ABLE accounts established under State programs for the care of family members with disabilities, and for other purposes

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to tax reform, mortgage insurance deductibility, housing, Federal Housing Administration solvency, government sponsored enterprise reforms, and the implementation of Dodd-Frank as it pertains to mortgage service providers. S. 563 - Jumpstart GSE Reform Act S. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 S. 1376 - FHA Solvency Act of 2013 S. 2260 - Expiring Provisions Improvement, Reform, and Efficiency (EXPIRE) Act of 2014 H.R. 5771 - To amend the Internal Revenue Code of 1986 to extend certain expiring provisions and make technical corrections, to amend the Internal Revenue Code of 1986 to provide for the tax treatment of ABLE accounts established under State programs for the care of family members with disabilities, and for other purposes

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to tax reform, mortgage insurance deductibility, housing, Federal Housing Administration solvency, government sponsored enterprise reforms, and the implementation of Dodd-Frank as it pertains to mortgage service providers. S. 563 - Jumpstart GSE Reform Act S. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 S. 1376 - FHA Solvency Act of 2013 S. 2260 - Expiring Provisions Improvement, Reform, and Efficiency (EXPIRE) Act of 2014 H.R. 5771 - To amend the Internal Revenue Code of 1986 to extend certain expiring provisions and make technical corrections, to amend the Internal Revenue Code of 1986 to provide for the tax treatment of ABLE accounts established under State programs for the care of family members with disabilities, and for other purposes.

Client expense: Not reported · Firm income: $60,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Mortgage and housing related issues. S. 1217: Housing Finance Reform and Taxpayer Protection Act of 2013.

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

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

Financial Services Issues. Eminent Domain. Financial Regulation Reform. S. 1217: Housing Finance Reform and Taxpayer Protection Act of 2013.

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

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

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

Client expense: $1,520,000 · Firm income: Not reported

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

GSE Reform Housing Bills Covered Bond Market Dodd Frank -- Wall Street Reform and Consumer Protection Act FASB IssuesInterstate Land Sales Full Disclosure Act (ILSA Reform, S.2101), H.R. 2600 Dodd/Frank Regulations (Volker Rule, Credit Risk Retention, OTC Derivatives) Basel III, Liquidity Coverage Ratio Terrorism Risk Insurance (H.R. 508, H.R. 1945, H.R. 2146) S. 2244 H.R. 4871 H.R. 26 Johnson-Crapo/Corker-Warner S.1217

Client expense: $870,000 · Firm income: Not reported

Government targets: Army, Dept of (Corps of Engineers), Commodity Futures Trading Commission (CFTC), Energy, Dept of, Environmental Protection Agency (EPA), Federal Accounting Standards Advisory Board (FASAB), Federal Aviation Administration (FAA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, White House Office

General monitoring of issues regarding Government Sponsored Enterprises; S. 1217 (the Housing Finance Reform and Taxpayer Protection Act of 2013)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to residual class holders of REMIC issues H.R.3530-Freddie Mac Debt Reduction Act of 2011 S.1217-Housing Finance Reform and Taxpayer Protection Act

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 83 (Consolidated and Further Continuing Appropriations Act, 2015); H.R. 189 (Transparency and Security in Mortgage Registration Act of 2013); H.R. 2767 (Protecting American Taxpayers and Homeowners Act of 2013); H.R. 4167 (Restoring Proven Financing for American Employers Act);H.R. 4387 (FSOC Transparency and Accountability Act); H.R. 4881 (To place a 6-month moratorium on the authority of the Financial Stability Oversight Council to make financial stability determinations); H.R. 5055 (To reform the housing finance system of the United States, and for other purposes); H.R. 5405 (Promoting Job Creation and Reducing Small Business Burdens Act); H.R. 5461 (To clarify 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); S. 563 (Jumpstart GSE Reform Act); S. 1217 (Housing Finance Reform and Taxpayer Protection Act of 2013); S. 1907 (Fairness for Community Job Creators Act); Dodd-Frank Wall Street Reform and Consumer Protection Act Implementation; Housing Affordability and Stability Plan; Housing finance issues (General); Servicing compensation; Credit Rating Agency Reform; Government Sponsored Enterprise (GSE) Reform; Strategic plan for conservatorships of the GSEs; Eminent Domain; Equity market structure issues; Capital standards; Ginnie Mae securitization programs; The Volcker Rule implementation; The Volcker Rule collaterized loan obligations (CLO) issue; Johnson-Crapo Housing Finance Reform Bill; Delaney-Carney-Himes Housing Finance Reform Bill; FINRA Regulatory Notice 13-42 (Comprehensive Automated Risk Data System); Fixed income market structure; Liquidity coverage ratio for municipal bonds; Single Security proposal (Federal Housing Finance Agency); Federal Reserve Total Loss Absorbing Capacity (TLAC) proposal; Federal Reserve G-SIB capital surcharge; Federal Reserve liquidity coverage ratio (LCR)/net stable funding ratio (NSFR); Bankruptcy reform legislation.

Client expense: $1,860,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Ginnie Mae, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Economic Council (NEC), Natl Security Council (NSC), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)