21st Century Glass-Steagall Act of 2013

NY Fed and Regulatory capture, Disclosure effectiveness review, Title 7 of Dodd/Frank, Cromnibus, S.1282/HR 3711 21st Century Glass Steagall Act of 2013, Derivative speculation, General banking reform, Dodd/Frank section 956, Title 1 of Dodd/Frank,Dodd/Frank section 953B,HR83-Consolidation and Further continuing appropriations Act.

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

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Product Safety Commission (CPSC), Federal Election Commission (FEC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Please see addendum.Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs proposed rule on credit union service organizations Issues related to NCUAs rule on net worth and bargain purchase agreements Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs proposed rule regarding loan participations Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to derivatives and NCUAs proposed rule related to credit union use of derivatives Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues related to NCUAs Minority Depository Institution program Issues relating to home-based credit unions Issues related to NCUAs Appraisal Management Company proposal Issues related to NCUAs risk-based capital proposal Issues related to the Johnson-Crapo Housing Finance Reform proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to Ginnie Mae capital Issues related to the nomination of J. Mark McWatters to be a member of the National Credit Union Administration Board Issues related to a discussion draft of legislation entitled, The Bureau Guidance Transparency Act Issues related to a discussion draft of legislation entitled, Preventing Regulatory Abuse Act of 2014 Issues related to a discussion draft of legislation entitled, Bureau Examination Fairness Act Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System.Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA H.R. 450, Bureau of Consumer Financial Protection Accountability Act, all provisions H.R. 688, Credit Union Small Business Jobs Creation Act of 2013, all provisions H.R. 719, Capital Access for Small Businesses and Jobs Act of 2013, all provisions H.R. 736, Responsible Homeowner Refinancing Act of 2013, all provisions H.R. 749, Eliminate Privacy Notice Confusion Act of 2013, all provisions H.R. 801, Holding Company Registration Threshold Equalization Act of 2013, all provisions H.R. 839, Prompt Notification of Short Sale Act, all provisions H.R. 861, Elder Abuse Victims Act of 2013, all provisions H.R. 927, Common Sense Economic Recovery Act of 2013, all provisions H.R. 1077, Consumer Mortgage Choice Act H.R. 1255, Home Construction Lending Regulatory Improvement Act of 2013, all provisions H.R. 1261, Overdraft Protection Act of 2013, all provisions H.R. 1538, a bill to provide incentives to encourage financial institutions and small businesses to provide continuing financial education to customers, borrowers and employees, all provisions H.R. 1553, Financial Institution Examination Fairness and Reform Act, all provisions H.R. 1566, a bill to create a Federal Charter for Internet consumer credit corporations, all provisions H.R. 1603, a bill to support and promote community financial institutions in the mutual form, all provisions H.R. 1646, a bill to amend the Federal Credit Union Act to provide an exception from the member business loan cap for loans made to aid in the recovery from a disaster, all provisions H.R. 1694, a bill to allow the Secretary of Treasury to rely on State examinations for certain financial institutions, all provisions H.R. 1750, the CLEAR Relief Act, all provisions H.R. 1754, Preserving American Homeownership Act of 2013, all provisions H.R. 1779, Preserving Access to Manufactured Housing Act of 2013, all provisions H.R. 1862, Capital Access for Small Community Financial Institutions, all provisions H.R. 2136, Small Business Credit Availability Act, all provisions H.R. 2295, Basel III CASE Act, all provisions H.R. 2379, Qualified Mortgage Loan Originator Transitional Authority Act, all provisions H.R. 2419, a bill to amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, all provisions H.R. 2512, a bill to amend the Truth in Lending Act to establish clear regulatory standards for mortgage servicers, all provisions H.R. 2547, a bill to determine appropriate risk based capital requirements for community, mid-size, and regional institutions, all provisions H.R. 2561, a bill to provide for the removal of default information form a borrowers credit report with respect to certain rehabilitated education loans, all provisions H.R. 2571, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act to require the Bureau of Consumer Financial Protection to notify and obtain permission from consumers before collecting nonpublic personal information about such consumers, all provisions H.R. 2572, a bill to improve the regulation of credit unions and depository institutions and to provide regulatory relief, all provisions H.R. 2580, a bill to allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters, all provisions H.R. 2652, Marijuana Businesses Access to Banking Act of 2013 H.R. 2672, CFPB Rural Designation Petition and Correction Act H.R. 2673, the Portfolio Lending Mortgage Access Act, all provisions H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013 H.R. 2816, To extend the pilot program under section 258 of the National Housing Act that establishes an automated process for providing alternative credit rating information for mortgagors and prospective mortgagors under certain mortgages. H.R. 2917, Financial Security Credit Act of 2013 H.R. 2961, To amend the Truth in Lending Act and the Higher Education Act of 1965 to require additional disclosures and protections for students and cosigners with respect to student loans, and for other purposes.H.R. 3036, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes. H.R. 3137, Freedom and Mobility in Consumer Banking Act, all provisions H.R. 3310, Annuity Safety and Security under Reasonable Enforcement Act, all provisions H.R. 3312, Homeowners Flood Insurance Relief Act, all provisions H.R. 3317, Holding Individual Accountable and Deterring Money Laundering Act, all provisions H.R. 3329, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, all provisions. H.R. 3370, Homeowner Flood Insurance Affordability Act, all provisions H.R. 3374, the American Savings Promotion Act, all provisions H.R. 3468, the Credit Union Share Insurance Parity Act, all provisions H.R. 3584, a bill to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, all provisions H.R. 3770, Inspector General Act H.R. 4042, Community Bank Mortgage Servicing Asset Capital Requirements Study Act, all provisions H.R. 4167, the Restoring Proven Financing for American Employers Act H.R. 4226, Credit Union Residential Loan Parity Act, all provisions H.R. 4466, the Financial Regulatory Clarity Act of 2014 H.R. 4521, the Community Institution Mortgage Relief Act, all provisions H.R. 4626, the SAFE Act Confidentiality and Privilege Enhancement Act, all provisions H.R. 4804, the Bureau Examination Fairness Act, all provisions H.R. 4986, End Operation Choke Point Act, all provisions H.R. 5148, Access to Affordable Mortgages Act, all provisions H.R. 5403, Reforming CFPB Indirect Auto Financing Guidance Act, all provisions H.R. 5461, the Insurance Capital Standards Clarification Act of 2014 H.R. 5758, Financial Institutions Customer Protection Act of 2014 Kildee Amendment to H.R. 1960, National Defense Authorization Act, related to disclosures required under the Military Lending Act S. 113, Know Before You Owe Private Student Loan Act, all provisions S. 114, Fairness for Struggling Student Act, all provisions S. 172, Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2013, all provisions S. 187, Deceptive Loan Check Elimination Act, all provisions S. 205, Responsible Consumer Financial Protection Regulations Act of 2013, all provisions S. 249, Responsible Homeowner Refinancing Act of 2013, all provisions S. 361, Prompt Notification of Short Sale Act of 2013, all provisions S. 450, Financial Regulatory Responsibility Act of 2013, all provisions S. 451, a bill to make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions S. 563, Jumpstart GSE Reform Act, all provisions S. 635, Privacy Notice Modernization Act of 2013, all provisions S. 673, Protecting Consumers from Unreasonable Credit Rates Act, all provisions S. 676, Identity Theft and Tax Fraud Prevention Act of 2013, all provisions S. 727, Financial Institutions Examination Fairness and Reform Act, all provisions S. 731, Basel III CASE Act, all provisions S. 733, Basel III Impact Study Act, all provisions S. 798, Terminating Bailouts for Taxpayer Fairness Act, all provisions S. 872, Holding Company Registration Threshold Equalization Act, all provisions S. 947, SAFE Act Confidentiality and Privilege Enhancement Act, all provisions S. 968, Small Business Lending Enhancement Act, all provisions S. 985, a bill to repeal certain provisions of the Gramm-Leach-Bliley Act and revive the separation between commercial banking and the securities business, in the manner provided in the Banking Act of 1933, the so-called "Glass-Steagall Act," all provisionsS. 996, a bill to improve the National Flood Insurance Program, all provisions S. 1002, Home Building Lending Improvement Act, all provisions S. 1048, the Mortgage Finance Act, all provisions S. 1098, a bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership, all provisions S. 1176, a bill to impose a fine with respect to international remittance transfers if the sender is unable to verify legal status in the United States, all provisions S. 1217, Housing Finance Reform and Taxpayer Protection Act, all provisions S. 1229, a bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, all provisions S. 1282, 21st Century Glass-Steagall Act of 2013 S. 1349, a bill 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. 1511, the Mortgage Choice Act, all provisions S. 1534, Freedom and Mobility in Consumer Banking Act, all provisions S. 1538, FIX Credit Reporting Errors Act, all provisions S. 1577, Mortgage Choice Act, all provisions S. 1597, the American Savings Promotion Act, all provisions S. 1610, Homeowner Flood Insurance Affordability Act, all provisions S. 1806, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions, all provisions S. 1867, Prepaid Card Consumer Protection Act of 2013, all provisions S. 1916, the HELP Rural Communities Act, all provisions S. 2641, the Portfolio Lending Enhancement Act, all provisions S. 2698, the Regulatory Easement for Lending Institutions Act, Title II and Title III. S. 2699, a Bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. S. Res. 105, a resolution designating April 2013 as Financial Literacy Month Johnson / Crapo amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions Moran / Manchin amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions Toomey / Coburn amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions

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

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

The Restoring Overtime Pay for Working Americans Act (S. 2486); Restoring Main Street Investor Protection and Confidence Act (H.R. 3482); Retail Investor Protection Act (H.R. 2374); Investor Choice Act OF 2013; 21st Century Glass-Steagall Act OF 2013 (S. 1282); The Secure Annuities for Employee (SAFE) Retirement Act of 2013; A Bill to Amend the Employee Retirement Income Security Act of 1974 to Require a Lifetime Income Disclosure; Retirement Plan Simplification and Enhancement Act of 2013; Universal, Secure, and Adaptable (USA) Retirement Funds Act of 2014 (S. 1979); Equal Employment for All Act of 2013 (S. 1837); Department of Labor Fiduciary Definition Re-Proposal; FINRA CARDS; SEC Investment Advisor Exams; Municipal Securities Rulemaking Board Rule G-47

Client expense: $177,649 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), White House Office

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.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 H.R.5421 - The Financial Institution Bankruptcy Act of 2014 - all provisions 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 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: $1,290,000 · 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

21st Century Glass-Steagall Act of 2013 (S. 1282) HR 5018, Federal Reserve Accountability and Transparency Act. HR 4986, "End Operation Choke Point Act of 2014" HR 5016, "Financial Services and General Government Appropriations Act, 2015" HR 3913 HR 5037, "The Office of Financial Research Accountability Act of 2014" hr 5148, "The Access To Affordable Mortgages Act of 2014" HR 4042, "Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014" HR 5405, "Promoting Job Creation and Reducing Small Business Burdens Act" HR 4510, "The Insurance Capital Standards Act of 2014" HR 4, Jobs for America Act H.R.5130/S.673, Protecting Consumers from Unreasonable Credit Rates Act

Client expense: $228,758 · Firm income: Not reported

Government targets: Bureau of the Census, Education, Dept of, Executive Office of the President (EOP), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), SENATE, Transportation, Dept of (DOT), Treasury, Dept of

S. 1476/ H.R. 3970 Stop Subsidizing Multi-Million Dollar Corporate Bonuses Act. Proposed SEC Rulemaking on corporate political disclosures. S. 1282, 21st Century Glass-Steagall Act. Nominees to the Federal Reserve Board.

Client expense: $341,600 · Firm income: Not reported

Government targets: Environmental Protection Agency (EPA), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Office of the Vice President of the United States, President of the U.S., SENATE, Securities & Exchange Commission (SEC), Transportation Security Administration (TSA), Transportation, Dept of (DOT), U.S. Trade Representative (USTR), White House Office

Financial Regulatory Reform and Modernization - The Forum supports policies that ensure the saftey and soundness of financial institutions, promotes financial system stability, and protect the varied interests of depositors, consumers, and investorsThe "Wall Street Reform and Consumer Protection Act" - The Forum supports financial regulatory reform that: 1) establishes resolution authority to end "too-big-to-fail"; 2) enhances consumer protections; 3) regulates over-the-counter derivatives; and, 4) provides for "systemic supervision" of the U.S. financial system. The Forum opposes legislation to preemptively dismantle or limit the activities of well-capitalized and well-managed financial institutions, haircuts on secured creditors to financial institutions in the course of a resolution, and punitive taxes or levies on financial institutions. The U.S. economy, the world's largest and most diverse, needs financial institutions of all sizes and business models. Smaller institutions effectively serve the needs of certain aspects of our economy, while larger institutions serve the needs of other aspects. The unique value of large institutions includes the sheer size of credits they can deliver, the array of products and services they offer, and their geographic reach capacities that smaller institutions simply dont share. Such size and scope-related capabilities are particularly important to globally active corporations and contribute directly to economic growth and job creation. Large banks, active in many countries across the world, also help integrate global stock, bond, and foreign exchange markets, making those markets more modern, liquid, and efficient. And large, globally active banks expand the supply of credit and other financial services to emerging market economies, making important contributions to the expansion of trade flows and opening foreign markets to U.S. goods and services. Derivatives are important tools that enable companies to minimize and manage their exposure to a wide range of risks, thereby freeing up vital capital for other uses. The Forum maintains that financial derivatives should be subject to prudential supervision and supports the establishment of a systemic risk supervisor to monitor, assess and address systemic risk, in continuous interaction with functional regulators to address any threats to the financial system, including in the derivatives markets. The Forum supports international coordination on derivatives regulations, and believes U.S. regulators should harmonize their views internally, and avoid confusion. The Forum is actively engaged with the various financial regulators to ensure the effective implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. The Forum is concerned with the proposed rules, specifically, among other areas, the extraordinary overstatement of exposures in the single-counterparty credit limits. Capital Requirements -- The Forum supports regulatory capital requirements that ensure safety, soundness, and systemic stability while not undermining lending that stimulates economic growth and job creation. The Forum is actively engaged with financial regulators to ensure the effective implementation of the Basel III capital and liquidity framework. Capital Market Competitiveness -- The Forum supports the free flow of capital and open and competitive U.S. markets. The Forum also supports maintaining the United States as an attractive place for investment and a continued leader in the global economy. GAO Study -- S. 3709, To require a Government Accountability Office examination of transactions between large financial institutions and the Federal Government, and for other purposes. The Forum is also of the view that any cost of funding advantage enjoyed by large diversified banking companies is not associated with an expectation on the part of market participants regarding future bailouts, but rather is due to the market-recognized benefits of institutional size, diversification of activities and income streams, and the stability and predictability of large institution earnings.Value of large financial institutions -- The Forum opposes S.798, "Terminating Bailouts for Taypayer Fairness Act of 2013 or TBTF Act" and S.685, "Too Big to Fail, Too Big to Exist Act," S.1282 "The 21st Century Glass-Steagall Act of 2013," and other legislative efforts to forcibly break up large diversified banking companies. The Forum is strongly of the view that an economy of the scale and complexity of the U.S. economy needs financial institutions of all kinds to meet a wide variety of financial needs. Each charter type, business model, and institution size helps to best serve the unique financial needs of particular businesses, households, consumers, savers, and investors. Community and regional banks provide essential support to a wide range of businesses and households within their communities. Similarly, large diversified institutions provide value particularly important to large, globally active U.S. corporations, and to the further development of foreign markets for U.S. goods and services both of which contribute directly and importantly to economic growth and job creation here at home. The Forum believes that the "21st Century Glass-Steagall Act" would make the financial system more risky for the taxpayer by reintroducing the standalone broker-dealer model that proved unstable and by making the mergers of large firms impossible in a future crisis. Liquidity Coverage Ratio -- Consistent with its promotion of policies that promote infrastructure investment and economic growth, the Forum is concerned that the current liquidity coverage ratio (LCR) that has been jointly proposed by the OCC, Federal Reserve and the FDIC, will increase costs and decrease liquidity for municipal bond issuers, driving up the cost of needed investments in public schools, roads, and other critical infrastructure. The Forum is supportive of 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. H.R. 5461 includes important technical corrections to the Dodd-Frank Act that will strengthen the Act and provide critical clarifications to better oversee our financial system while allowing for economic growth. The Forum remains neutral but is following the progress of H.R. 5421: The Financial Institution Bankruptcy Act of 2014.

Client expense: $375,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Dodd-Frank Act implementation issues; Capital issues; H.R. 613, Systemic Risk Mitigation Act, all provisions; S. 798, Terminating Bailouts for Taxpayer Fairness Act of 2013, all provisions; S. 1282, 21st Century Glass-Steagall Act of 2013, all provisions; S. 114, Fairness for Struggling Students Act of 2013, issues pertaining to Volcker Rule treatment of Collateralized Loan Obligations (CLOs) including HR 4167, the Restoring Proven Financing for American Employees Act; H.R. 4558 and S. 2381, Flood Insurance Market Parity and Modernization Act, all provisions; Issues pertaining to reauthorization of the US Export Import Bank; S. 2244, Terrorism Risk Insurance Program Reauthorization Act, all provisions; H.R. 4871, TRIA Reform, all provisions; Issues relating to Department of Education rulemaking concerning campus card products; S. 1861, The Taxpayer Protection and Responsible Resolution Act, all provisions; H.R. 5421, Financial Institution Bankruptcy Act of 2014, all provisions; H.R. 5461, Legislation combining Dodd Frank Act clarifications including Volcker CLO reforms, derivatives end user reforms, QM points/fee changes, insurance capital reforms, all provisions; S. 2588, Cybersecurity Information Sharing Act of 2014, all provisions.

Client expense: $1,580,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), Risk Management Agency, SENATE, Treasury, Dept of

SEC rulemaking on politcal disclosure, Too big to Jail banks, Section 956 of Dodd-Frank, HR 5016-appropriations governing the SEC, HR 3711/S 1282-21st century Glass-Steagall Act of 2013, HR 4800-Approriations governing the CFTC, S 798-Terminating bailouts for taxpayer fairness act, compensaton reform,

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

Government targets: Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), White House Office

S 1282-21st Century Glass Steagall Act of 2013, S 1476-Stop subsidizing multimillion corporate bonuses act, Financial transaction tax (HR 880 and S 410), Inversions/international tax issues, High frequency trading, stop corporate inversions and stop tax haven abuse act

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

Government targets: Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), White House Office

Please see addendum.Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs proposed rule on credit union service organizations Issues related to NCUAs rule on net worth and bargain purchase agreements Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs proposed rule regarding loan participations Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to derivatives and NCUAs proposed rule related to credit union use of derivatives Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues related to NCUAs Minority Depository Institution program Issues relating to home-based credit unions Issues related to NCUAs Appraisal Management Company proposal Issues related to NCUAs risk-based capital proposal Issues related to the Johnson-Crapo Housing Finance Reform proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to Ginnie Mae capital Issues related to the nomination of J. Mark McWatters to be a member of the National Credit Union Administration Board Issues related to a discussion draft of legislation entitled, The Bureau Guidance Transparency Act Issues related to a discussion draft of legislation entitled, Preventing Regulatory Abuse Act of 2014 Issues related to a discussion draft of legislation entitled, Bureau Examination Fairness Act Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to membership eligibility in the Federal Home Loan Bank System.H.R. 450, Bureau of Consumer Financial Protection Accountability Act, all provisions H.R. 688, Credit Union Small Business Jobs Creation Act of 2013, all provisions H.R. 719, Capital Access for Small Businesses and Jobs Act of 2013, all provisions H.R. 736, Responsible Homeowner Refinancing Act of 2013, all provisions H.R. 749, Eliminate Privacy Notice Confusion Act of 2013, all provisions H.R. 801, Holding Company Registration Threshold Equalization Act of 2013, all provisions H.R. 839, Prompt Notification of Short Sale Act, all provisions H.R. 861, Elder Abuse Victims Act of 2013, all provisions H.R. 927, Common Sense Economic Recovery Act of 2013, all provisions H.R. 1077, Consumer Mortgage Choice Act H.R. 1255, Home Construction Lending Regulatory Improvement Act of 2013, all provisions H.R. 1261, Overdraft Protection Act of 2013, all provisions H.R. 1538, a bill to provide incentives to encourage financial institutions and small businesses to provide continuing financial education to customers, borrowers and employees, all provisions H.R. 1553, Financial Institution Examination Fairness and Reform Act, all provisions H.R. 1566, a bill to create a Federal Charter for Internet consumer credit corporations, all provisions H.R. 1603, a bill to support and promote community financial institutions in the mutual form, all provisions H.R. 1646, a bill to amend the Federal Credit Union Act to provide an exception from the member business loan cap for loans made to aid in the recovery from a disaster, all provisions H.R. 1694, a bill to allow the Secretary of Treasury to rely on State examinations for certain financial institutions, all provisions H.R. 1750, the CLEAR Relief Act, all provisions H.R. 1754, Preserving American Homeownership Act of 2013, all provisions H.R. 1779, Preserving Access to Manufactured Housing Act of 2013, all provisions H.R. 1862, Capital Access for Small Community Financial Institutions, all provisions H.R. 2136, Small Business Credit Availability Act, all provisions H.R. 2295, Basel III CASE Act, all provisions H.R. 2379, Qualified Mortgage Loan Originator Transitional Authority Act, all provisions H.R. 2419, a bill to amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, all provisions H.R. 2512, a bill to amend the Truth in Lending Act to establish clear regulatory standards for mortgage servicers, all provisions H.R. 2547, a bill to determine appropriate risk based capital requirements for community, mid-size, and regional institutions, all provisions H.R. 2561, a bill to provide for the removal of default information form a borrowers credit report with respect to certain rehabilitated education loans, all provisions H.R. 2571, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act to require the Bureau of Consumer Financial Protection to notify and obtain permission from consumers before collecting nonpublic personal information about such consumers, all provisions H.R. 2572, a bill to improve the regulation of credit unions and depository institutions and to provide regulatory relief, all provisions H.R. 2580, a bill to allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters, all provisions H.R. 2652, Marijuana Businesses Access to Banking Act of 2013 H.R. 2672, CFPB Rural Designation Petition and Correction Act H.R. 2673, the Portfolio Lending Mortgage Access Act, all provisions H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013 H.R. 2816, To extend the pilot program under section 258 of the National Housing Act that establishes an automated process for providing alternative credit rating information for mortgagors and prospective mortgagors under certain mortgages. H.R. 2917, Financial Security Credit Act of 2013 H.R. 2961, To amend the Truth in Lending Act and the Higher Education Act of 1965 to require additional disclosures and protections for students and cosigners with respect to student loans, and for other purposes. H.R. 3036, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes.H.R. 3137, Freedom and Mobility in Consumer Banking Act, all provisions H.R. 3310, Annuity Safety and Security under Reasonable Enforcement Act, all provisions H.R. 3312, Homeowners Flood Insurance Relief Act, all provisions H.R. 3317, Holding Individual Accountable and Deterring Money Laundering Act, all provisions H.R. 3329, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, all provisions. H.R. 3370, Homeowner Flood Insurance Affordability Act, all provisions H.R. 3374, the American Savings Promotion Act, all provisions H.R. 3468, the Credit Union Share Insurance Parity Act, all provisions H.R. 3584, a bill to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, all provisions H.R. 4042, Community Bank Mortgage Servicing Asset Capital Requirements Study Act, all provisions H.R. 4226, Credit Union Residential Loan Parity Act, all provisions H.R. 4466, the Financial Regulatory Clarity Act of 2014 H.R. 4521, the Community Institution Mortgage Relief Act, all provisions H.R. 4626, the SAFE Act Confidentiality and Privilege Enhancement Act, all provisions H.R. 4804, the Bureau Examination Fairness Act, all provisions H.R. 4986, End Operation Choke Point Act, all provisions H.R. 5148, Access to Affordable Mortgages Act, all provisions H.R. 5403, Reforming CFPB Indirect Auto Financing Guidance Act, all provisions H.R. 5461, a Bill 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, Title II and Title III. Kildee Amendment to H.R. 1960, National Defense Authorization Act, related to disclosures required under the Military Lending Act S. 113, Know Before You Owe Private Student Loan Act, all provisions S. 114, Fairness for Struggling Student Act, all provisions S. 172, Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2013, all provisions S. 187, Deceptive Loan Check Elimination Act, all provisions S. 205, Responsible Consumer Financial Protection Regulations Act of 2013, all provisions S. 249, Responsible Homeowner Refinancing Act of 2013, all provisions S. 361, Prompt Notification of Short Sale Act of 2013, all provisions S. 450, Financial Regulatory Responsibility Act of 2013, all provisions S. 451, a bill to make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions S. 563, Jumpstart GSE Reform Act, all provisions S. 635, Privacy Notice Modernization Act of 2013, all provisions S. 673, Protecting Consumers from Unreasonable Credit Rates Act, all provisions S. 676, Identity Theft and Tax Fraud Prevention Act of 2013, all provisions S. 727, Financial Institutions Examination Fairness and Reform Act, all provisions S. 731, Basel III CASE Act, all provisions S. 733, Basel III Impact Study Act, all provisions S. 798, Terminating Bailouts for Taxpayer Fairness Act, all provisions S. 872, Holding Company Registration Threshold Equalization Act, all provisions S. 947, SAFE Act Confidentiality and Privilege Enhancement Act, all provisions S. 968, Small Business Lending Enhancement Act, all provisions S. 985, a bill to repeal certain provisions of the Gramm-Leach-Bliley Act and revive the separation between commercial banking and the securities business, in the manner provided in the Banking Act of 1933, the so-called Glass-Steagall Act, all provisions S. 996, a bill to improve the National Flood Insurance Program, all provisions S. 1002, Home Building Lending Improvement Act, all provisions S. 1048, the Mortgage Finance Act, all provisionsS. 1098, a bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership, all provisions S. 1176, a bill to impose a fine with respect to international remittance transfers if the sender is unable to verify legal status in the United States, all provisions S. 1217, Housing Finance Reform and Taxpayer Protection Act, all provisions S. 1229, a bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, all provisions S. 1282, 21st Century Glass-Steagall Act of 2013 S. 1349, a bill 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. 1511, the Mortgage Choice Act, all provisions S. 1534, Freedom and Mobility in Consumer Banking Act, all provisions S. 1538, FIX Credit Reporting Errors Act, all provisions S. 1577, Mortgage Choice Act, all provisions S. 1597, the American Savings Promotion Act, all provisions S. 1610, Homeowner Flood Insurance Affordability Act, all provisions S. 1806, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions, all provisions S. 1867, Prepaid Card Consumer Protection Act of 2013, all provisions S. 1916, the HELP Rural Communities Act, all provisions S. 2641, the Portfolio Lending Enhancement Act, all provisions S. 2698, the Regulatory Easement for Lending Institutions Act, Title II and Title III. S. 2699, a Bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. S. Res. 105, a resolution designating April 2013 as Financial Literacy Month Johnson / Crapo amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions Moran / Manchin amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions Toomey / Coburn amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions

Client expense: $1,060,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

The Restoring Overtime Pay for Working Americans Act (S. 2486); Restoring Main Street Investor Protection and Confidence Act (H.R. 3482); Retail Investor Protection Act (H.R. 2374); Investor Choice Act OF 2013; 21st Century Glass-Steagall Act OF 2013 (S. 1282); The Secure Annuities for Employee (SAFE) Retirement Act of 2013; A Bill to Amend the Employee Retirement Income Security Act of 1974 to Require a Lifetime Income Disclosure; Retirement Plan Simplification and Enhancement Act of 2013; Universal, Secure, and Adaptable (USA) Retirement Funds Act of 2014 (S. 1979); Equal Employment for All Act of 2013 (S. 1837); CARDS; FINRA Arbitration; FINRA Brokercheck; FINRA Background Checks; FINRA Examinations; Sweeps; Examination and Oversight of RIAs; Prevention of Financial Elder Abuse; MSRB Rule G-47; and FINRA Retrospective Rule Review

Client expense: $170,342 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

Dodd-Frank Act implementation issues; Capital issues; H.R. 613, Systemic Risk Mitigation Act, all provisions; S. 798, Terminating Bailouts for Taxpayer Fairness Act of 2013, all provisions; S. 1282, 21st Century Glass-Steagall Act of 2013, all provisions; S. 114, Fairness for Struggling Students Act of 2013, Issues pertaining to Volcker Rule treatment of Collateralized Loan Obligations (CLOs) including HR 4167, the Restoring Proven Financing of American Employees Act; H.R. 4558 and S. 2381, Flood Insurance Market Parity and Modernization Act, all provisions; Issues pertaining to reauthorization of the US Export Import Bank; S. 2244, Terrorism Risk Insurance Program Reauthorization Act, all provisions; H.R. 4871, TRIA Reform of 2014, all provisions; Issues relating to Department of Education rulemaking concerning campus card products.

Client expense: $1,600,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Met with House and Senate on issues related to derivatives and credit default swaps Met with House and Senate on implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 Met with House and Senate on issues related to equity market structure reform Met with House and Senate on large bank issues Met with House and Senate on credit card issues Met with House and Senate on Volcker Rule 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 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: $1,340,000 · 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

Met with House and Senate on issues related to derivatives and credit default swaps Met with House and Senate on implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 Met with House and Senate on issues related to equity market structure reform Met with House and Senate on large bank issues Met with House and Senate on credit card issues Met with House and Senate on Volcker Rule 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 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: $1,340,000 · 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

Dodd-Frank Act implementation issues; Capital issues; H.R. 613, Systemic Risk Mitigation Act, all provisions; S. 798, Terminating Bailouts for Taxpayer Fairness Act of 2013, all provisions; S. 1282, 21st Century Glass-Steagall Act of 2013, all provisions; S. 114, Fairness for Struggling Students Act of 2013, Issues pertaining to Volcker Rule treatment of Collateralized Loan Obligations (CLOs) including HR 4167, the Restoring Proven Financing of American Employees Act; H.R. 4558 and S. 2381, Flood Insurance Market Parity and Modernization Act, all provisions; Issues pertaining to reauthorization of the US Export Import Bank; S. 2244, Terrorism Risk Insurance Program Reauthorization Act, all provisions; H.R. 4871, TRIA Reform of 2014, all provisions; Issues relating to Department of Education rulemaking concerning campus card products.

Client expense: $1,600,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

S. 1476/ H.R. 3970 Stop Subsidizing Multi-Million Dollar Corporate Bonuses Act. Proposed SEC Rulemaking on corporate political disclosures. S. 1282, 21st Century Glass-Steagall Act. Nominees to the Federal Reserve Board.

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

Government targets: Environmental Protection Agency (EPA), Executive Office of the President (EOP), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Office of the Vice President of the United States, President of the U.S., SENATE, Securities & Exchange Commission (SEC), Transportation Security Administration (TSA), Transportation, Dept of (DOT), U.S. Trade Representative (USTR), White House Office

The Customer Protection and End User Relief Act. HR 2892, the Fair Debt Collection Practices Technical Clarification Act of 2013 HR 4167, Restoring Proven Financing for American Employers Act HR 2672, The CFPB Rural Designation Petition and Correction Act. HR 2629 HR 4200 HR 4554 HR 4564 HR 4565 HR 4568 HR 4569 HR 4570 HR 4571 HR 4387, FSOC Transparency and Accountability Act Bureau Arbitration Fairness Act H.R. 4262, the Bureau Advisory Commission Transparency Act H.R. 4383, the Bureau of Consumer Financial Protection Small Business Advisory Board Act H.R. 4539, the "Bureau Research Transparency Act H.R. 4604, the CFPB Data Collection Security Act H.R. 3389, the CFPB Slush Fund Elimination Act of 2013 H.R. 3770, the CFPB-IG Act of 2013 H.R. 4662, the Bureau Advisory Opinion Act HR 4684, The Bureau Guidance Transparency Act The Preventing Regulatory Abuse Act of 2014 The Bureau Examination Fairness Act HR 3211, The Mortgage Choice Act of 2013 HR 2629, the Fostering Innovation Act HR 4564, the Equity Crowdfunding Improvement Act HR 4697, the Small-Cap Access to Capital Act 21st Century Glass-Steagall Act of 2013 (S. 1282) HR 4413, The Customer Protection and End User Relief Act sections 501 through 504 of the Financial Services and General Government Appropriations bill for FY 2015 DoJ's Operation Choke Point

Client expense: $293,496 · Firm income: Not reported

Government targets: Education, Dept of, Executive Office of the President (EOP), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, White House Office

Financial Regulatory Reform and Modernization - The Forum supports reform and modernization of the financial regulatory system to ensure the safety and soundness of financial institutions, promote financial systemic stability, and protect the varied interests of depositors, consumers, and investors.The "Wall Street Reform and Consumer Protection Act" - The Forum supports financial regulatory reform that: 1) establishes resolution authority to end "too-big-to-fail"; 2) enhances consumer protections; 3) regulates over-the-counter derivatives; and, 4) provides for "systemic supervision" of the U.S. financial system. The Forum opposes legislation to preemptively dismantle or limit the activities of well-capitalized and well-managed financial institutions, haircuts on secured creditors to financial institutions in the course of a resolution, and punitive taxes or levies on financial institutions. The U.S. economy, the world's largest and most diverse, needs financial institutions of all sizes and business models. Smaller institutions effectively serve the needs of certain aspects of our economy, while larger institutions serve the needs of other aspects. The unique value of large institutions includes the sheer size of credits they can deliver, the array of products and services they offer, and their geographic reach capacities that smaller institutions simply dont share. Such size and scope-related capabilities are particularly important to globally active corporations and contribute directly to economic growth and job creation. Large banks, active in many countries across the world, also help integrate global stock, bond, and foreign exchange markets, making those markets more modern, liquid, and efficient. And large, globally active banks expand the supply of credit and other financial services to emerging market economies, making important contributions to the expansion of trade flows and opening foreign markets to U.S. goods and services. Derivatives are important tools that enable companies to minimize and manage their exposure to a wide range of risks, thereby freeing up vital capital for other uses. The Forum maintains that financial derivatives should be subject to prudential supervision and supports the establishment of a systemic risk supervisor to monitor, assess and address systemic risk, in continuous interaction with functional regulators to address any threats to the financial system, including in the derivatives markets. The Forum supports international coordination on derivatives regulations, and believes U.S. regulators should harmonize their views internally, and avoid confusion. The Forum is actively engaged with the various financial regulators to ensure the effective implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. The Forum is concerned with the proposed rules, specifically, among other areas, the extraordinary overstatement of exposures in the single-counterparty credit limits. Capital Requirements -- The Forum supports regulatory capital requirements that ensure safety, soundness, and systemic stability while not undermining lending that stimulates economic growth and job creation. The Forum is actively engaged with financial regulators to ensure the effective implementation of the Basel III capital and liquidity framework. Capital Market Competitiveness -- The Forum supports the free flow of capital and open and competitive U.S. markets. The Forum also supports maintaining the United States as an attractive place for investment and a continued leader in the global economy. GAO Study -- S. 3709, To require a Government Accountability Office examination of transactions between large financial institutions and the Federal Government, and for other purposes. The Forum is also of the view that any cost of funding advantage enjoyed by large diversified banking companies is not associated with an expectation on the part of market participants regarding future bailouts, but rather is due to the market-recognized benefits of institutional size, diversification of activities and income streams, and the stability and predictability of large institution earnings.Value of large financial institutions -- The Forum opposes S.798, "Terminating Bailouts for Taypayer Fairness Act of 2013 or TBTF Act" and S.685, "Too Big to Fail, Too Big to Exist Act," S.1282 "The 21st Century Glass-Steagall Act of 2013," and other legislative efforts to forcibly break up large diversified banking companies. The Forum is strongly of the view that an economy of the scale and complexity of the U.S. economy needs financial institutions of all kinds to meet a wide variety of financial needs. Each charter type, business model, and institution size helps to best serve the unique financial needs of particular businesses, households, consumers, savers, and investors. Community and regional banks provide essential support to a wide range of businesses and households within their communities. Similarly, large diversified institutions provide value particularly important to large, globally active U.S. corporations, and to the further development of foreign markets for U.S. goods and services both of which contribute directly and importantly to economic growth and job creation here at home. The Forum believes that the "21st Century Glass-Steagall Act" would make the financial system more risky for the taxpayer by reintroducing the standalone broker-dealer model that proved unstable and by making the mergers of large firms impossible in a future crisis. Liquidity Coverage Ratio -- Consistent with its promotion of policies that promote infrastructure investment and economic growth, the Forum is concerned that the current liquidity coverage ratio (LCR) that has been jointly proposed by the OCC, FED and the FDIC, will increase costs and decrease liquidity for municipal bond issuers, driving up the cost of needed investments in public schools, roads, and other critical infrastructure. Complementary Activities, Merchant Banking Activities, and Other Activities of Financial Holding Companies Related to Physical Commodities, Docket No. R-1479; RIN 7100 AE-10 - The Forum believes that allowing financial holding companies to continue to conduct physical commodities activities, all while applying the right safeguards, is an important aspect of ensuring the global competitiveness and openness of our American markets.

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

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

Please see addendum.Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs proposed rule on credit union service organizations Issues related to NCUAs rule on net worth and bargain purchase agreements Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs proposed rule regarding loan participations Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to derivatives and NCUAs proposed rule related to credit union use of derivatives Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues related to NCUAs Minority Depository Institution program Issues relating to home-based credit unions Issues related to NCUAs Appraisal Management Company proposal Issues related to NCUAs risk-based capital proposal Issues related to NCUAs proposed rule on securitization Issues related to NCUAs regulatory review process Issues related to Ginnie Mae capital Issues related to the nomination of J. Mark McWatters to be a member of the National Credit Union Administration Board Issues related to a discussion draft of legislation entitled, The Bureau Guidance Transparency Act Issues related to a discussion draft of legislation entitled, Preventing Regulatory Abuse Act of 2014 Issues related to a discussion draft of legislation entitled, Bureau Examination Fairness Act Issues related to credit union service to marijuana businesses Issues related to financial literacy Issues related to the Department of Justices investigation entitled, Operation Choke Point H.R. 450, Bureau of Consumer Financial Protection Accountability Act, all provisionsH.R. 688, Credit Union Small Business Jobs Creation Act of 2013, all provisions H.R. 719, Capital Access for Small Businesses and Jobs Act of 2013, all provisions H.R. 736, Responsible Homeowner Refinancing Act of 2013, all provisions H.R. 749, Eliminate Privacy Notice Confusion Act of 2013, all provisions H.R. 801, Holding Company Registration Threshold Equalization Act of 2013, all provisions H.R. 839, Prompt Notification of Short Sale Act, all provisions H.R. 861, Elder Abuse Victims Act of 2013, all provisions H.R. 927, Common Sense Economic Recovery Act of 2013, all provisions H.R. 1077, Consumer Mortgage Choice Act H.R. 1255, Home Construction Lending Regulatory Improvement Act of 2013, all provisions H.R. 1261, Overdraft Protection Act of 2013, all provisions H.R. 1538, a bill to provide incentives to encourage financial institutions and small businesses to provide continuing financial education to customers, borrowers and employees, all provisions H.R. 1553, Financial Institution Examination Fairness and Reform Act, all provisions H.R. 1566, a bill to create a Federal Charter for Internet consumer credit corporations, all provisions H.R. 1603, a bill to support and promote community financial institutions in the mutual form, all provisions H.R. 1646, a bill to amend the Federal Credit Union Act to provide an exception from the member business loan cap for loans made to aid in the recovery from a disaster, all provisions H.R. 1694, a bill to allow the Secretary of Treasury to rely on State examinations for certain financial institutions, all provisions H.R. 1750, the CLEAR Relief Act, all provisions H.R. 1754, Preserving American Homeownership Act of 2013, all provisions H.R. 1779, Preserving Access to Manufactured Housing Act of 2013, all provisions H.R. 1862, Capital Access for Small Community Financial Institutions, all provisions H.R. 2136, Small Business Credit Availability Act, all provisions H.R. 2295, Basel III CASE Act, all provisions H.R. 2379, Qualified Mortgage Loan Originator Transitional Authority Act, all provisions H.R. 2419, a bill to amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, all provisions H.R. 2512, a bill to amend the Truth in Lending Act to establish clear regulatory standards for mortgage servicers, all provisions H.R. 2547, a bill to determine appropriate risk based capital requirements for community, mid-size, and regional institutions, all provisions H.R. 2561, a bill to provide for the removal of default information form a borrowers credit report with respect to certain rehabilitated education loans, all provisions H.R. 2571, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act to require the Bureau of Consumer Financial Protection to notify and obtain permission from consumers before collecting nonpublic personal information about such consumers, all provisions H.R. 2572, a bill to improve the regulation of credit unions and depository institutions and to provide regulatory relief, all provisions H.R. 2580, a bill to allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters, all provisions H.R. 2652, Marijuana Businesses Access to Banking Act of 2013 H.R. 2672, CFPB Rural Designation Petition and Correction Act H.R. 2673, the Portfolio Lending Mortgage Access Act, all provisions H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013 H.R. 2816, To extend the pilot program under section 258 of the National Housing Act that establishes an automated process for providing alternative credit rating information for mortgagors and prospective mortgagors under certain mortgages. H.R. 2917, Financial Security Credit Act of 2013 H.R. 2961, To amend the Truth in Lending Act and the Higher Education Act of 1965 to require additional disclosures and protections for students and cosigners with respect to student loans, and for other purposes. H.R. 3036, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes. H.R. 3137, Freedom and Mobility in Consumer Banking Act, all provisionsH.R. 3310, Annuity Safety and Security under Reasonable Enforcement Act, all provisions H.R. 3312, Homeowners Flood Insurance Relief Act, all provisions H.R. 3317, Holding Individual Accountable and Deterring Money Laundering Act, all provisions H.R. 3329, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, all provisions. H.R. 3370, Homeowner Flood Insurance Affordability Act, all provisions H.R. 3374, the American Savings Promotion Act, all provisions H.R. 3468, the Credit Union Share Insurance Parity Act, all provisions H.R. 3584, a bill to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, all provisions H.R. 4226, Credit Union Residential Loan Parity Act, all provisions H.R. 4466, the Financial Regulatory Clarity Act of 2014 H.R. 4521, the Community Institution Mortgage Relief Act, all provisions Kildee Amendment to H.R. 1960, National Defense Authorization Act, related to disclosures required under the Military Lending Act S. 113, Know Before You Owe Private Student Loan Act, all provisions S. 114, Fairness for Struggling Student Act, all provisions S. 172, Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2013, all provisions S. 187, Deceptive Loan Check Elimination Act, all provisions S. 205, Responsible Consumer Financial Protection Regulations Act of 2013, all provisions S. 249, Responsible Homeowner Refinancing Act of 2013, all provisions S. 361, Prompt Notification of Short Sale Act of 2013, all provisions S. 450, Financial Regulatory Responsibility Act of 2013, all provisions S. 451, a bill to make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions S. 563, Jumpstart GSE Reform Act, all provisions S. 635, Privacy Notice Modernization Act of 2013, all provisions S. 673, Protecting Consumers from Unreasonable Credit Rates Act, all provisions S. 676, Identity Theft and Tax Fraud Prevention Act of 2013, all provisions S. 727, Financial Institutions Examination Fairness and Reform Act, all provisions S. 731, Basel III CASE Act, all provisions S. 733, Basel III Impact Study Act, all provisions S. 798, Terminating Bailouts for Taxpayer Fairness Act, all provisions S. 872, Holding Company Registration Threshold Equalization Act, all provisions S. 947, SAFE Act Confidentiality and Privilege Enhancement Act, all provisions S. 968, Small Business Lending Enhancement Act, all provisions S. 985, a bill to repeal certain provisions of the Gramm-Leach-Bliley Act and revive the separation between commercial banking and the securities business, in the manner provided in the Banking Act of 1933, the so-called Glass-Steagall Act, all provisions S. 996, a bill to improve the National Flood Insurance Program, all provisions S. 1002, Home Building Lending Improvement Act, all provisions S. 1048, the Mortgage Finance Act, all provisions S. 1098, a bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership, all provisions S. 1176, a bill to impose a fine with respect to international remittance transfers if the sender is unable to verify legal status in the United States, all provisions S. 1217, Housing Finance Reform and Taxpayer Protection Act, all provisions S. 1229, a bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, all provisions S. 1282, 21st Century Glass-Steagall Act of 2013 S. 1349, a bill 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. 1534, Freedom and Mobility in Consumer Banking Act, all provisions S. 1538, FIX Credit Reporting Errors Act, all provisions S. 1577, Mortgage Choice Act, all provisions S. 1597, the American Savings Promotion Act, all provisions S. 1610, Homeowner Flood Insurance Affordability Act, all provisions S. 1806, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions, all provisions S. 1867, Prepaid Card Consumer Protection Act of 2013, all provisions S. 1916, the HELP Rural Communities Act, all provisions S. Res. 105, a resolution designating April 2013 as Financial Literacy Month Johnson / Crapo amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions Moran / Manchin amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions Toomey / Coburn amendment to S. 1217, the Housing Finance Reform and Taxpayer Protection Act, all provisions

Client expense: $1,340,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Closing the $162 million loophole for bonus compensation, Section 956 of Dodd-Frank on executive compensation, Corporate governance in Dodd/Frank, Too big to jail institutions/transparency, HR 4811-Bureau Guidance Transparency Act, HR 4564-Equity Crowdfunding Act of 2014, HR 4697-Small Cap Access to Capital Act, HR 2629-Fostering Innovation Act, HR 4554-Restricted Securities Relief Act of 2014, HR 4568-Small Business Freedom to Grow Act, HR 4570-Private Placement Improvement Act of2014, HR 4565-Startup Capital Modernization Act of 2014, HR 4571-Direct SEC to increase threshold amount for disclosure of compensating benefit plans, HR 4387-FSOC Transparency & Accountability Act, HR 3389-CFPB Slush Fund elimination act of 2013, HR 4413-Consumer Protection End User relief act, HR 3711 & S 1282-21st Century Glass Steagall Act, Volcker rule implementation, postal banking.

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

Government targets: Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Natl Security Council (NSC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

THE RESTORING OVERTIME PAY FOR WORKING AMERICANS ACT (S. 2486) RESTORING MAIN STREET INVESTOR PROTECTION AND CONFIDENCE ACT (H.R. 3482) RETAIL INVESTOR PROTECTION ACT (H.R. 2374)INVESTOR CHOICE ACT OF 2013 21ST CENTURY GLASS-STEAGALL ACT OF 2013 (S. 1282) THE SECURE ANNUITIES FOR EMPLOYEE (SAFE) RETIREMENT ACT OF 2013 A BILL TO AMEND THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974 TO REQUIRE A LIFETIME INCOME DISCLOSURE RETIREMENT PLAN SIMPLIFICATION AND ENHANCEMENT ACT OF 2013 UNIVERSAL, SECURE, AND ADAPTABLE (USA) RETIREMENT FUNDS ACT OF 2014 (S. 1979) EQUAL EMPLOYMENT FOR ALL ACT OF 2013 (S. 1837)

Client expense: $169,035 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

H.R. 613, Systemic Risk Mitigation Act, all provisions; S 798, Terminating Bailouts for Taxpayer Fairness Act of 2013, all provisions; S. 1282, 21st Century Glass-Steagall Act of 2013;S. 114, Fairness for Struggling Students Act of 2013, issues relating to private student lending, issues pertaining to debit/credit interchange; issues related to EMV credit card technology; issues pertaining to Volker Rule treatment of Collateralized Loan Obligations (CLOs) including HR 4167, the Restoring Proven Financing of American Employees Act; S. 1720, Patent Transparency and Improvements Act of 2013, all provisions; Dodd-Frank Act implementation issues; capital issues; issues pertaining to reauthorization of the federal terrorism risk insurance program.

Client expense: $1,570,000 · Firm income: Not reported

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

Met with House and Senate on issues related to derivatives and credit default swaps Met with House and Senate on implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 Met with House and Senate on large bank issues Met with House and Senate on credit card issues Met with House and Senate on Volcker Rule 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 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: $1,390,000 · 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

H.R. 613, Systemic Risk Mitigation Act, all provisions; S 798, Terminating Bailouts for Taxpayer Fairness Act of 2013, all provisions; S. 1282, 21st Century Glass-Steagall Act of 2013;S. 114, Fairness for Struggling Students Act of 2013, issues relating to private student lending, issues pertaining to debit/credit interchange; issues related to EMV credit card technology; issues pertaining to Volker Rule treatment of Collateralized Loan Obligations (CLOs) including HR 4167, the Restoring Proven Financing of American Employees Act; S. 1720, Patent Transparency and Improvements Act of 2013, all provisions; Dodd-Frank Act implementation issues; capital issues;

Client expense: $1,570,000 · Firm income: Not reported

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

Financial Regulatory Reform and Modernization - The Forum supports reform and modernization of the financial regulatory system to ensure the safety and soundness of financial institutions, promote financial systemic stability, and protect the varied interests of depositors, consumers, and investors.The "Wall Street Reform and Consumer Protection Act" - The Forum supports financial regulatory reform that: 1) establishes resolution authority to end "too-big-to-fail"; 2) enhances consumer protections; 3) regulates over-the-counter derivatives; and, 4) provides for "systemic supervision" of the U.S. financial system. The Forum opposes legislation to preemptively dismantle or limit the activities of well-capitalized and well-managed financial institutions, haircuts on secured creditors to financial institutions in the course of a resolution, and punitive taxes or levies on financial institutions. The U.S. economy, the world's largest and most diverse, needs financial institutions of all sizes and business models. Smaller institutions effectively serve the needs of certain aspects of our economy, while larger institutions serve the needs of other aspects. The unique value of large institutions includes the sheer size of credits they can deliver, the array of products and services they offer, and their geographic reach capacities that smaller institutions simply dont share. Such size and scope-related capabilities are particularly important to globally active corporations and contribute directly to economic growth and job creation. Large banks, active in many countries across the world, also help integrate global stock, bond, and foreign exchange markets, making those markets more modern, liquid, and efficient. And large, globally active banks expand the supply of credit and other financial services to emerging market economies, making important contributions to the expansion of trade flows and opening foreign markets to U.S. goods and services. Derivatives are important tools that enable companies to minimize and manage their exposure to a wide range of risks, thereby freeing up vital capital for other uses. The Forum maintains that financial derivatives should be subject to prudential supervision and supports the establishment of a systemic risk supervisor to monitor, assess and address systemic risk, in continuous interaction with functional regulators to address any threats to the financial system, including in the derivatives markets. The Forum supports international coordination on derivatives regulations, and believes U.S. regulators should harmonize their views internally, and avoid confusion. The Forum is actively engaged with the various financial regulators to ensure the effective implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. The Forum is concerned with the proposed rules, specifically, among other areas, the extraordinary overstatement of exposures in the single-counterparty credit limits. Capital Requirements -- The Forum supports regulatory capital requirements that ensure safety, soundness, and systemic stability while not undermining lending that stimulates economic growth and job creation. The Forum is actively engaged with financial regulators to ensure the effective implementation of the Basel III capital and liquidity framework. Capital Market Competitiveness -- The Forum supports the free flow of capital and open and competitive U.S. markets. The Forum also supports maintaining the United States as an attractive place for investment and a continued leader in the global economy. GAO Study -- S. 3709, To require a Government Accountability Office examination of transactions between large financial institutions and the Federal Government, and for other purposes. Value of large financial institutions -- The Forum opposes S.798, "Terminating Bailouts for Taypayer Fairness Act of 2013 or TBTF Act" and S.685, "Too Big to Fail, Too Big to Exist Act," S.1282 "The 21st Century Glass-Steagall Act of 2013," and other legislative efforts to forcibly break up large diversified banking companies. The Forum is strongly of the view that an economy of the scale and complexity of the U.S. economy needs financial institutions of all kinds to meet a wide variety of financial needs. Each charter type, business model, and institution size helps to best serve the unique financial needs of particular businesses, households, consumers, savers, and investors. Community and regional banks provide essential support to a wide range of businesses and households within their communities. Similarly, large diversified institutions provide value particularly important to large, globally active U.S. corporations, and to the further development of foreign markets for U.S. goods and services both of which contribute directly and importantly to economic growth and job creation here at home.The Forum believes that the "21st Century Glass-Steagall Act" would make the financial system more risky for the taxpayer by reintroducing the standalone broker-dealer model that proved unstable and by making the mergers of large firms impossible in a future crisis. Liquidity Coverage Ratio -- Consistent with its promotion of policies that promote infrastructure investment and economic growth, the Forum is concerned that the current liquidity coverage ratio (LCR) that has been jointly proposed by the OCC, FED and the FDIC, will increase costs and decrease liquidity for municipal bond issuers, driving up the cost of needed investments in public schools, roads, and other critical infrastructure.

Client expense: $350,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

S. 1476 Stop Subsidizing Multi-Million Dollar Corporate Bonuses Act. Proposed SEC Rulemaking on corporate political disclosures. H.R. 3970, Stop Subsidizing Multi-million Dollar Corporate Bonuses Act. S. 1282, 21st Century Glass-Steagall Act.

Client expense: $323,000 · Firm income: Not reported

Government targets: Executive Office of the President (EOP), Federal Communications Commission (FCC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Labor, Dept of (DOL), Office of the Vice President of the United States, SENATE, Securities & Exchange Commission (SEC), Transportation Security Administration (TSA), Transportation, Dept of (DOT), U.S. Trade Representative (USTR), White House Office

HR 624: Cyber Intelligence Sharing and Protection Act: A bill to provide for the sharing of certain cyber threat intelligence community and cyber security entities, and for other purposes; Provisions related to cyber security.HR 4060: Systemic Risk Designation Improvement Act of 2014: A bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision; Provisions related to bank regulation. S. 1720: Patent Transparency and Improvements Act of 2013: A bill to promote transparency in patent ownership and make other improvements to the patent system and for other purposes; Provisions related to patent reform. S. 1897: Personal Data Privacy and Security Act of 2014: A bill to prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and uses of personally identifiable information; Provisions related to cyber security. S. 1927: Data Security Act of 2014:A bill to protect information relating to consumers, to require notice of security breaches, and for other purposes; Provisions related to cyber security. S. 1976: Data Security and Breach Notification Act of 2014: A bill to protect consumers by requiring reasonable security policies and procedures to protect data containing personal information, and to provide for nationwide notice in the event of a breach of security; Provisions related to cyber security. S. 1995: Personal Data Protection and Breach Accountability Act of 2014: A bill to protect consumers by mitigating the vulnerability of personally identifiable information to theft through a security breach, providing notice and remedies to consumers in the wake of such a breach, holding companies accountable for preventable breaches, facilitating the sharing of post-reach technical information between companies, and enhancing criminal and civil penalties and other protections against the unauthorized collection or use of personally identifiable information: Provisions related to cyber security. HR 3036: A bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision; Provisions related to SIFI Designation. S. 21: Cybersecurity and American Cyber Competitiveness Act of 2013: A bill to secure the United States against cyber attack, to improve communication and collaboration between the private sector and the Federal Government, to enhance American competitiveness and create jobs in the information technology; Provisions related to cyber security. S. 474: Swaps Regulatory Improvement Act: A bill to amend provisions in section 716 of the Dodd-Frank Wall Street Reform and Consumer Protection Act relating to Federal assistance for swaps entities; Provisons related to derivatives regulation. S. 798: Terminating Bailouts for Taxpayer Fairness Act of 2013 or TBTF Act: A bill to address equity capital requirements for financial institutions, bank holding companies, subsidiaries, and affiliates, and for other purposes; Provisions related to bank regulatory capital. S. 1282: 21st Century Glass-Steagall Act of 2013: To reduce risks to the financial system by limiting banks' ability to engage in certain risky activities and limiting conflicts of interest, to reinstate certain Glass-Steagall Act protections that were repealed by the Gramm-Leach-Bliley Act, and for other purposes; Provisions related to banking regulation. S. 1353: Cybersecurity Act of 2013: To provide for an ongoing, voluntary public-private partnership to improve cybersecurity, and to strengthen cybersecurity research and development, workforce development and education, and public awareness and preparedness, and for other purposes; Provisions related to cyber security. S. 1612: Patent Litigation Integrity Act of 2013: To deter abusive patent litigation by targeting the economic incentives that fuel frivolous lawsuits; Provisions related to patent reform. - Issues related to Rep. Camp's tax reform draft proposal; Provisions related to bank taxes. - Issues related to the implementation of Title I of Dodd-Frank; Provisions related to bank resolutions. - Issues related to the implementation of Title II of Dodd-Frank; Provisions related to Orderly Liquidation Authority. - Issues related to the regulation of payments and implementation of Dodd-Frank; Provisions related to payment systems.

Client expense: $360,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Executive pay rule makings, Closing executive compensation loophole, S 1476-Stop subsidizing multimillion Corporate bonuses act, S 1282/HR 3711-21st Century Glass Steagall Act of 2013, Too big to jail, Volcker rule implementation

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

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

S 1282 - 21st Century Glass Steagall Act HR 3193 - Consumer Financial Protection and Soundness Improvement Act of 2013

Client expense: $680,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, U.S. Trade Representative (USTR), White House Office

Please see addendum.Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs proposed rule on credit union service organizations Issues related to NCUAs rule on net worth and bargain purchase agreements Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs proposed rule regarding loan participations Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to derivatives and NCUAs proposed rule related to credit union use of derivatives Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues related to NCUAs Minority Depository Institution program Issues relating to home-based credit unions Issues related to NCUAs Appraisal Management Company proposal Issues related to NCUAs risk-based capital proposal Issues related to the Johnson-Crapo Housing Finance Reform proposal H.R. 450, Bureau of Consumer Financial Protection Accountability Act, all provisions H.R. 688, Credit Union Small Business Jobs Creation Act of 2013, all provisions H.R. 719, Capital Access for Small Businesses and Jobs Act of 2013, all provisions H.R. 736, Responsible Homeowner Refinancing Act of 2013, all provisions H.R. 749, Eliminate Privacy Notice Confusion Act of 2013, all provisions H.R. 801, Holding Company Registration Threshold Equalization Act of 2013, all provisions H.R. 839, Prompt Notification of Short Sale Act, all provisions H.R. 861, Elder Abuse Victims Act of 2013, all provisions H.R. 927, Common Sense Economic Recovery Act of 2013, all provisions H.R. 1077, Consumer Mortgage Choice Act H.R. 1255, Home Construction Lending Regulatory Improvement Act of 2013, all provisionsH.R. 1261, Overdraft Protection Act of 2013, all provisions H.R. 1538, a bill to provide incentives to encourage financial institutions and small businesses to provide continuing financial education to customers, borrowers and employees, all provisions H.R. 1553, Financial Institution Examination Fairness and Reform Act, all provisions H.R. 1566, a bill to create a Federal Charter for Internet consumer credit corporations, all provisions H.R. 1603, a bill to support and promote community financial institutions in the mutual form, all provisions H.R. 1646, a bill to amend the Federal Credit Union Act to provide an exception from the member business loan cap for loans made to aid in the recovery from a disaster, all provisions H.R. 1694, a bill to allow the Secretary of Treasury to rely on State examinations for certain financial institutions, all provisions H.R. 1750, the CLEAR Relief Act, all provisions H.R. 1754, Preserving American Homeownership Act of 2013, all provisions H.R. 1779, Preserving Access to Manufactured Housing Act of 2013, all provisions H.R. 1862, Capital Access for Small Community Financial Institutions, all provisions H.R. 2136, Small Business Credit Availability Act, all provisions H.R. 2295, Basel III CASE Act, all provisions H.R. 2379, Qualified Mortgage Loan Originator Transitional Authority Act, all provisions H.R. 2419, a bill to amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, all provisions H.R. 2512, a bill to amend the Truth in Lending Act to establish clear regulatory standards for mortgage servicers, all provisions H.R. 2547, a bill to determine appropriate risk based capital requirements for community, mid-size, and regional institutions, all provisions H.R. 2561, a bill to provide for the removal of default information form a borrowers credit report with respect to certain rehabilitated education loans, all provisions H.R. 2571, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act to require the Bureau of Consumer Financial Protection to notify and obtain permission from consumers before collecting nonpublic personal information about such consumers, all provisions H.R. 2572, a bill to improve the regulation of credit unions and depository institutions and to provide regulatory relief, all provisions H.R. 2580, a bill to allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters, all provisions H.R. 2652, Marijuana Businesses Access to Banking Act of 2013 H.R. 2672, CFPB Rural Designation Petition and Correction Act H.R. 2673, Portfolio Lending and Mortgage Access Act H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013 H.R. 2816, To extend the pilot program under section 258 of the National Housing Act that establishes an automated process for providing alternative credit rating information for mortgagors and prospective mortgagors under certain mortgages. H.R. 2917, Financial Security Credit Act of 2013 H.R. 2961, To amend the Truth in Lending Act and the Higher Education Act of 1965 to require additional disclosures and protections for students and cosigners with respect to student loans, and for other purposes. H.R. 3036, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes. H.R. 3137, Freedom and Mobility in Consumer Banking Act, all provisions H.R. 3310, Annuity Safety and Security under Reasonable Enforcement Act, all provisions H.R. 3312, Homeowners Flood Insurance Relief Act, all provisions H.R. 3317, Holding Individual Accountable and Deterring Money Laundering Act, all provisions H.R. 3329, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, all provisions. H.R. 3370, Homeowner Flood Insurance Affordability Act, all provisions H.R. 3374, the American Savings Promotion Act, all provisions H.R. 3468, the Credit Union Share Insurance Parity Act, all provisions H.R. 3584, a bill to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, all provisionsH.R. 4226, Credit Union Residential Loan Parity Act, all provisions Kildee Amendment to H.R. 1960, National Defense Authorization Act, related to disclosures required under the Military Lending Act S. 113, Know Before You Owe Private Student Loan Act, all provisions S. 114, Fairness for Struggling Student Act, all provisions S. 172, Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2013, all provisions S. 187, Deceptive Loan Check Elimination Act, all provisions S. 205, Responsible Consumer Financial Protection Regulations Act of 2013, all provisions S. 249, Responsible Homeowner Refinancing Act of 2013, all provisions S. 361, Prompt Notification of Short Sale Act of 2013, all provisions S. 450, Financial Regulatory Responsibility Act of 2013, all provisions S. 451, a bill to make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions S. 563, Jumpstart GSE Reform Act, all provisions S. 635, Privacy Notice Modernization Act of 2013, all provisions S. 673, Protecting Consumers from Unreasonable Credit Rates Act, all provisions S. 676, Identity Theft and Tax Fraud Prevention Act of 2013, all provisions S. 727, Financial Institutions Examination Fairness and Reform Act, all provisions S. 731, Basel III CASE Act, all provisions S. 733, Basel III Impact Study Act, all provisions S. 798, Terminating Bailouts for Taxpayer Fairness Act, all provisions S. 872, Holding Company Registration Threshold Equalization Act, all provisions S. 947, SAFE Act Confidentiality and Privilege Enhancement Act, all provisions S. 968, Small Business Lending Enhancement Act, all provisions S. 985, a bill to repeal certain provisions of the Gramm-Leach-Bliley Act and revive the separation between commercial banking and the securities business, in the manner provided in the Banking Act of 1933, the so-called Glass-Steagall Act, all provisions S. 996, a bill to improve the National Flood Insurance Program, all provisions S. 1002, Home Building Lending Improvement Act, all provisions S. 1048, the Mortgage Finance Act, all provisions S. 1098, a bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership, all provisions S. 1176, a bill to impose a fine with respect to international remittance transfers if the sender is unable to verify legal status in the United States, all provisions S. 1217, Housing Finance Reform and Taxpayer Protection Act, all provisions S. 1229, a bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, all provisions S. 1282, 21st Century Glass-Steagall Act of 2013 S. 1349, a bill 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. 1534, Freedom and Mobility in Consumer Banking Act, all provisions S. 1538, FIX Credit Reporting Errors Act, all provisions S. 1577, Mortgage Choice Act, all provisions S. 1597, the American Savings Promotion Act, all provisions S. 1610, Homeowner Flood Insurance Affordability Act, all provisions S. 1806, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions, all provisions S. 1867, Prepaid Card Consumer Protection Act of 2013, all provisions S. Res. 105, a resolution designating April 2013 as Financial Literacy Month

Client expense: $1,200,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Fiduciary Duty Re-Proposal RETAIL INVESTOR PROTECTION ACT (H.R. 2374) Investor Choice Act of 2013 (H.R. 2998) 21ST CENTURY GLASS-STEAGALL ACT OF 2013 (S. 1282)SEC COST BENEFITS ANALYSIS ACT Payroll Fraud Prevention Act of 2013 (S.1687) Equal Employment for All Act of 2013 (S.1837) Restoring Main Street Investor Protection and Confidence Act (H.R.3482) DOLS FEE DISCLOSURE PROPOSED RULE SEC DRAFT STRATEGIC PLAN FINRA PROPOSED CHANGES TO SUPERVISION RULE FINRA Recruitment Compensation Proposed Rule FINRA CARDS Concept Proposal FINRA Unlisted DPP and REITS Estimated Valuations Proposed Rule

Client expense: $168,125 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC)

H.R. 613, Systemic Risk Mitigation Act, all provisions; S. 798, Terminating Bailouts for Taxpayer Fairness Act of 2013, all provisions; S. 114, Fairness for Struggling Students Act of 2013, issues relating to private student lending, issues pertaining to debit/credit interchange; Dodd-Frank Act implementation issues; capital issues; S. 1282, 21st Century Glass-Steagall Act of 2013, all provisions.

Client expense: $1,660,000 · Firm income: Not reported

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

Met with House and Senate on issues related to derivatives and credit default swaps Met with House and Senate on implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 Met with House and Senate on large bank issuesMet with House nad Senate on credit card issues Met with SEC on market structure issues Met with House and Senate staff on capital leverage matters Met with House and Senate staff on flood insurance issues S.1217 - Housing Finance Reform Act - all provisions H.R.2767 - Protecting American Taxpayer and Homeowners (PATH) Act of 2013 - all provisions S.798 - Terminating Bailouts for Taxpayer Fairness Act - all provisions S.1282 - 21st Century Glass-Steagall Act of 2013 - all provisions S.474 - Swaps Regulatory Improvement Act - all provisions 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 S.169 - I-Squared Act of 2013 - all provisions S.296 - Uniting American Families Act of 2013 - all provisions

Client expense: $1,380,000 · 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

H.R. 613, Systemic Risk Mitigation Act, all provisions; S. 798, Terminating Bailouts for Taxpayer Fairness Act of 2013, all provisions; S. 114, Fairness for Struggling Students Act of 2013, issues relating to private student lending, issues pertaining to debit/credit interchange; Dodd-Frank Act implementation issues; capital issues; S. 1282, 21st Century Glass-Steagall Act of 2013, all provisions.

Client expense: $1,560,000 · Firm income: Not reported

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

Financial Regulatory Reform and Modernization - The Forum supports reform and modernization of the financial regulatory system to ensure the safety and soundness of financial institutions, promote financial systemic stability, and protect the varied interests of depositors, consumers, and investors.The "Wall Street Reform and Consumer Protection Act" - The Forum supports financial regulatory reform that: 1) establishes resolution authority to end "too-big-to-fail"; 2) enhances consumer protections; 3) regulates over-the-counter derivatives; and, 4) provides for "systemic supervision" of the U.S. financial system. The Forum opposes legislation to preemptively dismantle or limit the activities of well-capitalized and well-managed financial institutions, haircuts on secured creditors to financial institutions in the course of a resolution, and punitive taxes or levies on financial institutions. The U.S. economy, the world's largest and most diverse, needs financial institutions of all sizes and business models. Smaller institutions effectively serve the needs of certain aspects of our economy, while larger institutions serve the needs of other aspects. The unique value of large institutions includes the sheer size of credits they can deliver, the array of products and services they offer, and their geographic reach capacities that smaller institutions simply dont share. Such size and scope-related capabilities are particularly important to globally active corporations and contribute directly to economic growth and job creation. Large banks, active in many countries across the world, also help integrate global stock, bond, and foreign exchange markets, making those markets more modern, liquid, and efficient. And large, globally active banks expand the supply of credit and other financial services to emerging market economies, making important contributions to the expansion of trade flows and opening foreign markets to U.S. goods and services. Derivatives are important tools that enable companies to minimize and manage their exposure to a wide range of risks, thereby freeing up vital capital for other uses. The Forum maintains that financial derivatives should be subject to prudential supervision and supports the establishment of a systemic risk supervisor to monitor, assess and address systemic risk, in continuous interaction with functional regulators to address any threats to the financial system, including in the derivatives markets. The Forum supports international coordination on derivatives regulations, and believes U.S. regulators should harmonize their views internally, and avoid confusion. The Forum is actively engaged with the various financial regulators to ensure the effective implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010. The Forum is concerned with the proposed rules, specifically, among other areas, the extraordinary overstatement of exposures in the single-counterparty credit limits. Capital Requirements -- The Forum supports regulatory capital requirements that ensure safety, soundness, and systemic stability while not undermining lending that stimulates economic growth and job creation. The Forum is actively engaged with financial regulators to ensure the effective implementation of the Basel III capital and liquidity framework. Capital Market Competitiveness -- The Forum supports the free flow of capital and open and competitive U.S. markets. The Forum also supports maintaining the United States as an attractive place for investment and a continued leader in the global economy. GAO Study -- S. 3709, To require a Government Accountability Office examination of transactions between large financial institutions and the Federal Government, and for other purposes. Value of large financial institutions -- The Forum opposes S.798, "Terminating Bailouts for Taypayer Fairness Act of 2013 or TBTF Act" and S.685, "Too Big to Fail, Too Big to Exist Act," S.1282 "The 21st Century Glass-Steagall Act of 2013," and other legislative efforts to forcibly break up large diversified banking companies. The Forum is strongly of the view that an economy of the scale and complexity of the U.S. economy needs financial institutions of all kinds to meet a wide variety of financial needs. Each charter type, business model, and institution size helps to best serve the unique financial needs of particular businesses, households, consumers, savers, and investors. Community and regional banks provide essential support to a wide range of businesses and households within their communities. Similarly, large diversified institutions provide value particularly important to large, globally active U.S. corporations, and to the further development of foreign markets for U.S. goods and services both of which contribute directly and importantly to economic growth and job creation here at home.The Forum believes that the "21st Century Glass-Steagall Act" would make the financial system more risky for the taxpayer by reintroducing the standalone broker-dealer model that proved unstable and by making the mergers of large firms impossible in a future crisis.

Client expense: $390,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR), White House Office

S 1282, 21st Century Glass-Steagall Act of 2013, issues related to bank size and activities and general issues related to Dodd Frank Act and cybersecurity; S 798, Too Big to Fail Act, issues related to bank size and activities and general issues related to Dodd Frank Act and cybersecurity; HR 129, Return to Prudent Banking Act of 2013, issues related to bank size and activities; HR 992, S 474, Swaps Regulatory Improvement Act, issues related to Swaps push-out; HR 2775, Continuing Appropriations Act, issues related tocontinuing resolution; HR 624, Cyber Intelligence Sharing and Protection Act, general issues related to Dodd Frank Act and cybersecurity; S 563, Jumpstart GSE Reform Act, general issues related to Dodd Frank Act and cybersecurity; General Issues related to privacy; General issues related to interchange; General issues related to credit cards; General issues related to risk retention rules; General issues related to Volcker Rule; General issues related to cybersecurity.

Client expense: $1,210,000 · Firm income: Not reported

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

Issues related to systemic risk and resolution of large banks; S.1282: 21st Century Glass-Steagall Act of 2013

Client expense: $350,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

HR 624: Cyber Intelligence Sharing and Protection Act: A bill to provide for the sharing of certain cyber threat intelligence community and cyber security entities, and for other purposes; provisions related to cyber security. HR 850: Nuclear Iran Prevention Act of 2013: provisions related to Iran sanctions.HR 990: SAFE Lending Act of 2013: To amend the Truth in Lending Act to address certain issues related to the extension of consumer credit, and for other purposes; provisions related to consumer protections. HR 992: Swaps Regulatory Improvement Act: A bill to amend provisions in section 716 of the Dodd-Frank Wall Street Reform and Consumer Protection Act relating to Federal assistance for swaps entities; provisons related to Derivatives Regulation. HR 1261: Overdraft Protection Act of 2013: A bill 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; provisons related to Consumer Protections. HR 3036: A bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision; Provisions related to SIFI Designation. HR 3137: Freedom and Mobility in Consumer Banking Act: A bill to provide a framework establishing the rights, liabilities, and responsibilities of participants in closing procedures for certain types of consumer deposit accounts, to protect individual consumer rights and for other purposes; provisions related to Consumer Protections. HR 3309: Innovation Act: To amend title 35, United States Code, and the Leahy-Smith America Invents Act to make provements and technical corrections, and for other purposes; provisions related to Patent Litigation. HR 3711: 21st Century Glass-Steagall Act of 2013: To reduce risks to the financial system by limiting banks' ability to engage in certain risky activities and limiting conflicts of interest, to reinstate certain Glass-Steagall Act protections that were repealed by the Gramm-Leach-Bliley Act, and for other purposes: provisions related to the regulation of banks. S. 21: Cybersecurity and American Cyber Competitiveness Act of 2013: A bill to secure the United States against Cyber attack, to improve communication and collaboration between the private sector and the Federal Government, to enhance American competitiveness and create jobs in the information technology; provisions related to cyber security. S. 474: Swaps Regulatory Improvement Act: A bill to amend provisions in section 716 of the Dodd-Frank Wall Street Reform and Consumer Protection Act relating to Federal assistance for swaps entities; provisons related to Derivatives Regulation. S. 798: Terminating Bailouts for Taxpayer Fairness Act of 2013 or TBTF Act: A bill to address equity capital requirements for financial institutions, bank holding companies, subsidiaries, and affiliates, and for other purposes; provisions related to Bank Regulatory Capital. S. 892: Iran Sanctions Loophole Elimination Act of 2013: A bill to amend the Iran Threat Reduction and Syria Human Rights Act of 2012 to impose sanctions with respect to certain transactions in foreign currencies, and for other purposes; provisions relating to Sanctions. S. 1282: 21st Century Glass-Steagall Act of 2013: To reduce risks to the financial system by limiting banks' ability to engage in certain risky activities and limiting conflicts of interest, to reinstate certain Glass-Steagall Act protections that were repealed by the Gramm-Leach-Bliley Act, and for other purposes; provisions related to banking regulation. S. 1353: Cybersecurity Act of 2013: To provide for an ongoing, voluntary public-private partnership to improve cybersecurity, and to strengthen cybersecurity research and development, workforce development and education, and public awareness and preparedness, and for other purposes; provisions related to cyber security. S. 1534: Freedom and Mobility in Consumer Banking Act: To provide a framework establishing the rights, liabilities, and responsibilities of participants in closing procedures for certain types of consumer deposit accounts, to protect individual consumer rights, and for other purposes; provisions related to consumer protections. S. 1612: Patent Litigation Integrity Act of 2013: To deter abusive patent litigation by targeting the economic incentives that fuel frivolous lawsuits; provisions related to patent reform. S. 1861: Taxpayer Protection and Responsible Resolution Act: To save taxpayer money and end bailouts of financial institutions by providing for a process to allow financial institutions to go bankrupt; provisions related to bank resolution. Public Law 111-203: Dodd-Frank Wall Street Reform and Consumer Protection Act: Orderly Liquidation Authority- Implementation of Title II - Bank Resolution. Public Law 111-203: Dodd-Frank Wall Street Reform and Consumer Protection Act: DFA Title I - Implementation of Title I - Bank Resolution. Public Law 111-203: Dodd-Frank Wall Street Reform and Consumer Protection Act: Payments - Regulation of payments and implementation - Payments System.

Client expense: $350,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Executive Compensation, HR 992-Swaps Regulatory Improvement, HR 2374-Retail Investor Protection Act, S 1476-Stop subsidizing multimillion dollar Corporate bonuses act, S1282-21st Century Glass Steagall Act of 2013, Volcker rule,

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

Government targets: Commodity Futures Trading Commission (CFTC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Please see addendum.Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs proposed rule on credit union service organizations Issues related to NCUAs rule on net worth and bargain purchase agreements Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs proposed rule regarding loan participations Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB proposal related to remittances and international wire transfers Issues related to the proposed CFPB form on RESPA/TILA Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs proposed rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to the implementation of the Unlawful Internet Gambling Prohibition Act Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to identity theft and fraud reduction Issues related to student lending Issues related to derivatives and NCUAs proposed rule related to credit union use of derivatives Issues related to the Federal Home Loan Bank System Issues related to short term lending products and advance deposit products Issues related to patent reform Issues related to Federal Credit Union bylaws Issues related to NCUAs Minority Depository Institution program Issues relating to home-based credit unions H.R. 450, Bureau of Consumer Financial Protection Accountability Act, all provisions H.R. 688, Credit Union Small Business Jobs Creation Act of 2013, all provisions H.R. 719, Capital Access for Small Businesses and Jobs Act of 2013, all provisions H.R. 736, Responsible Homeowner Refinancing Act of 2013, all provisions H.R. 749, Eliminate Privacy Notice Confusion Act of 2013, all provisions H.R. 801, Holding Company Registration Threshold Equalization Act of 2013, all provisions H.R. 839, Prompt Notification of Short Sale Act, all provisions H.R. 861, Elder Abuse Victims Act of 2013, all provisions H.R. 927, Common Sense Economic Recovery Act of 2013, all provisions H.R. 1077, Consumer Mortgage Choice Act H.R. 1255, Home Construction Lending Regulatory Improvement Act of 2013, all provisions H.R. 1261, Overdraft Protection Act of 2013, all provisions H.R. 1538, a bill to provide incentives to encourage financial institutions and small businesses to provide continuing financial education to customers, borrowers and employees, all provisionsH.R. 1553, Financial Institution Examination Fairness and Reform Act, all provisions H.R. 1566, a bill to create a Federal Charter for Internet consumer credit corporations, all provisions H.R. 1603, a bill to support and promote community financial institutions in the mutual form, all provisions H.R. 1646, a bill to amend the Federal Credit Union Act to provide an exception from the member business loan cap for loans made to aid in the recovery from a disaster, all provisions H.R. 1694, a bill to allow the Secretary of Treasury to rely on State examinations for certain financial institutions, all provisions H.R. 1750, the CLEAR Relief Act, all provisions H.R. 1754, Preserving American Homeownership Act of 2013, all provisions H.R. 1779, Preserving Access to Manufactured Housing Act of 2013, all provisions H.R. 1862, Capital Access for Small Community Financial Institutions, all provisions H.R. 2136, Small Business Credit Availability Act, all provisions H.R. 2295, Basel III CASE Act, all provisions H.R. 2379, Qualified Mortgage Loan Originator Transitional Authority Act, all provisions H.R. 2419, a bill to amend the Truth in Lending Act to provide coverage under such Act for credit cards issued to small businesses, all provisions H.R. 2512, a bill to amend the Truth in Lending Act to establish clear regulatory standards for mortgage servicers, all provisions H.R. 2547, a bill to determine appropriate risk based capital requirements for community, mid-size, and regional institutions, all provisions H.R. 2561, a bill to provide for the removal of default information form a borrowers credit report with respect to certain rehabilitated education loans, all provisions H.R. 2571, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act to require the Bureau of Consumer Financial Protection to notify and obtain permission from consumers before collecting nonpublic personal information about such consumers, all provisions H.R. 2572, a bill to improve the regulation of credit unions and depository institutions and to provide regulatory relief, all provisions H.R. 2580, a bill to allow homeowners of moderate-value homes who are subject to mortgage foreclosure proceedings to remain in their homes as renters, all provisions H.R. 2652, Marijuana Businesses Access to Banking Act of 2013 H.R. 2672, CFPB Rural Designation Petition and Correction Act H.R. 2673, Portfolio Lending and Mortgage Access Act H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 H.R. 2767, Protecting American Taxpayers and Homeowners Act of 2013 H.R. 2816, To extend the pilot program under section 258 of the National Housing Act that establishes an automated process for providing alternative credit rating information for mortgagors and prospective mortgagors under certain mortgages. H.R. 2917, Financial Security Credit Act of 2013 H.R. 2961, To amend the Truth in Lending Act and the Higher Education Act of 1965 to require additional disclosures and protections for students and cosigners with respect to student loans, and for other purposes. H.R. 3036, a bill to amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes. H.R. 3137, Freedom and Mobility in Consumer Banking Act, all provisions H.R. 3310, Annuity Safety and Security under Reasonable Enforcement Act, all provisions H.R. 3312, Homeowners Flood Insurance Relief Act, all provisions H.R. 3317, Holding Individual Accountable and Deterring Money Laundering Act, all provisions H.R. 3329, a bill to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, all provisions. H.R. 3370, Homeowner Flood Insurance Affordability Act, all provisions H.R. 3374, the American Savings Promotion Act, all provisions H.R. 3468, the Credit Union Share Insurance Parity Act, all provisions H.R. 3584, a bill to amend the Federal Home Loan Bank Act to authorize privately insured credit unions to become members of a Federal home loan bank, all provisions Kildee Amendment to H.R. 1960, National Defense Authorization Act, related to disclosures required under the Military Lending ActS. 113, Know Before You Owe Private Student Loan Act, all provisions S. 114, Fairness for Struggling Student Act, all provisions S. 172, Stopping Abuse and Fraud in Electronic (SAFE) Lending Act of 2013, all provisions S. 187, Deceptive Loan Check Elimination Act, all provisions S. 205, Responsible Consumer Financial Protection Regulations Act of 2013, all provisions S. 249, Responsible Homeowner Refinancing Act of 2013, all provisions S. 361, Prompt Notification of Short Sale Act of 2013, all provisions S. 450, Financial Regulatory Responsibility Act of 2013, all provisions S. 451, a bill to make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, all provisions S. 563, Jumpstart GSE Reform Act, all provisions S. 635, Privacy Notice Modernization Act of 2013, all provisions S. 673, Protecting Consumers from Unreasonable Credit Rates Act, all provisions S. 727, Financial Institutions Examination Fairness and Reform Act, all provisions S. 731, Basel III CASE Act, all provisions S. 733, Basel III Impact Study Act, all provisions S. 798, Terminating Bailouts for Taxpayer Fairness Act, all provisions S. 872, Holding Company Registration Threshold Equalization Act, all provisions S. 947, SAFE Act Confidentiality and Privilege Enhancement Act, all provisions S. 968, Small Business Lending Enhancement Act, all provisions S. 985, a bill to repeal certain provisions of the Gramm-Leach-Bliley Act and revive the separation between commercial banking and the securities business, in the manner provided in the Banking Act of 1933, the so-called Glass-Steagall Act, all provisions S. 996, a bill to improve the National Flood Insurance Program, all provisions S. 1002, Home Building Lending Improvement Act, all provisions S. 1048, the Mortgage Finance Act, all provisions S. 1098, a bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership, all provisions S. 1176, a bill to impose a fine with respect to international remittance transfers if the sender is unable to verify legal status in the United States, all provisions S. 1217, Housing Finance Reform and Taxpayer Protection Act, all provisions S. 1229, a bill to amend the Truth in Lending Act to empower the States to set the maximum annual percentage rates applicable to consumer credit transactions, all provisions S. 1282, 21st Century Glass-Steagall Act of 2013 S. 1349, a bill 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. 1534, Freedom and Mobility in Consumer Banking Act, all provisions S. 1538, FIX Credit Reporting Errors Act, all provisions S. 1577, Mortgage Choice Act, all provisions S. 1597, the American Savings Promotion Act, all provisions S. 1610, Homeowner Flood Insurance Affordability Act, all provisions S. 1806, a bill to amend the Federal Home Loan Bank Act with respect to membership eligibility of certain institutions, all provisions S. Res. 105, a resolution designating April 2013 as Financial Literacy Month

Client expense: $1,430,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commodity Futures Trading Commission (CFTC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of Government Ethics (OGE), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

HR 1155 National Association of Registered Agents and Brokers Reform Act of 2013 HR 2374 Retail Investor Protection Act HR 2998 Investor Choice Act of 2013 HR 3482 Restoring Main Street Investor Protection and Confidence ActH.R. 3482 Restoring Main Street Investor Protection and Confidence Act S. 1282 21st Century Glass-Steagall Act of 2013 S. 1270 The Secure Annuities for Employee Retirement Act of 2013 SEC Proposed Rule on Money Market Reform SEC Final Rule on Municipal Advisor Registration SEC Proposed Pay Ratio Disclosure Rule SEC Regulation SCI on Systems Compliance and Integrity SEC Request for Data on Standard of Conduct for Broker-Dealers and Investment Advisors SEC Final Rule on Broker Dealer-Reports DOL Fiduciary Reproposal

Client expense: $174,750 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC)

Met with House and Senate on issues related to derivatives and credit default swaps Met with House and Senate on implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 Met with House and Senate on large bank issuesMet with House nad Senate on credit card issues Met with SEC on market structure issues Met with House and Senate staff on capital leverage matters S.1217 - Housing Finance Reform Act - all provisions H.R.2767 - Protecting American Taxpayer and Homeowners (PATH) Act of 2013 - all provisions S.798 - Terminating Bailouts for Taxpayer Fairness Act - all provisions S.1282 - 21st Century Glass-Steagall Act of 2013 - all provisions S.474 - Swaps Regulatory Improvement Act - all provisions 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 S.169 - I-Squared Act of 2013 - all provisions S.296 - Uniting American Families Act of 2013 - all provisions

Client expense: $1,380,000 · 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

H.R. 613, Systemic Risk Mitigation Act, all provisions; S. 798, Terminating Bailouts for Taxpayer Fairness Act of 2013, all provisions; S. 114, Fairness for Struggling Students Act of 2013, issues relating to private student lending, issues pertaining to debit/credit interchange; Dodd-Frank Act implementation issues; capital issues; S. 1282, 21st Century Glass-Steagall Act of 2013, all provisions.

Client expense: $1,560,000 · Firm income: Not reported

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