FHA Solvency Act of 2013

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

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

Housing/GSE reform, mortgage insurance, housing issues and S. 1217, S. 1376 and H.R. 2767

Client expense: $160,000 · Firm income: Not reported

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

Housing/GSE reform, mortgage insurance, housing issues and S. 1217, S. 1376 and H.R. 2767

Client expense: $160,000 · Firm income: Not reported

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

No Bill # - Issues relating to GSE/Housing Finance Reform - focus on multi-family housing policy No Bill # - Issues relating to Dodd-Frank implementation and FIO, OFR, Volcker Rule, FSOC, FSB and their associated work on topics like capital standards, non-bank SIFI designation, insurance regulation, and oversight S. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 - All provisions S. 534 - National Association of Registered Agents and Brokers Reform Act of 2013; All Provisions S. 563 - Jumpstart GSE Reform Act; Multifamily Provisions H.R. 2767 - Protecting American Taxpayers and Homeowners (PATH) Act - All provisions S. 1376 - The FHA Solvency Act of 2013 - all provisions H.R. 2720 - Alexis Agin Identity Theft Protection Act of 2013 H.R. 1155 - National Association of Registered Agents and Brokers Reform Act of 2013 S. 676 - Identity Theft and Tax Fraud Prevention Act of 2013 No Bill # - Bipartisan Budget Act of 2013 No Bill # - Universal Child Savings Accounts S. 2270; H.R. 4510 - Insurance Capital Standards Clarification Act of 2014 H.R. 5461 - To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes S.2244 - Terrorism Risk Reinsurance Authorization Act of 2014

Client expense: $2,220,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

No Bill # - Issues relating to GSE/Housing Finance Reform - focus on multi-family housing policy No Bill # - Issues relating to Dodd-Frank implementation and FIO, OFR, Volcker Rule, FSOC, FSB and their associated work on topics like capital standards, non-bank SIFI designation, insurance regulation, and oversight S. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 - All provisions S. 534 - National Association of Registered Agents and Brokers Reform Act of 2013; All Provisions S. 563 - Jumpstart GSE Reform Act; Multifamily Provisions H.R. 2767 - Protecting American Taxpayers and Homeowners (PATH) Act - All provisions S. 1376 - The FHA Solvency Act of 2013 - all provisions H.R. 2720 - Alexis Agin Identity Theft Protection Act of 2013 H.R. 1155 - National Association of Registered Agents and Brokers Reform Act of 2013 S. 676 - Identity Theft and Tax Fraud Prevention Act of 2013 No Bill # - Bipartisan Budget Act of 2013 No Bill # - Universal Child Savings Accounts S. 2270; H.R. 4510 - Insurance Capital Standards Clarification Act of 2014 H.R. 5461 - To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes S.2244 - Terrorism Risk Reinsurance Authorization Act of 2014

Client expense: $2,220,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

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

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

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

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

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

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

Policy issues pertaining to mortgage insurance, government-sponsored entities, and the housing finance market, including H.R. 1145, S. 1217, S. 1376, H.R. 2767, and H.R. 5055.

Client expense: Not reported · Firm income: $180,000

Government targets: General Services Administration (GSA), Ginnie Mae, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Policy issues pertaining to mortgage insurance, government-sponsored entities, and the housing finance market, including H.R. 1145, S. 1217, S. 1376, H.R. 2767, and H.R. 5055.

Client expense: Not reported · Firm income: $180,000

Government targets: General Services Administration (GSA), Ginnie Mae, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Policy issues pertaining to mortgage insurance, government-sponsored entities, and the housing finance market, including H.R. 1145, S. 1217, S. 1376, H.R. 2767, and H.R. 5055.

Client expense: Not reported · Firm income: $180,000

Government targets: General Services Administration (GSA), Ginnie Mae, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

S. 1217 Housing Finance Reform Taxpayer Protection Act of 2013 GSE Credit Risk Equitable Treatment Act GSE Portfolio Risk Reduction Act GSE Risk and Actvities Limitation Act GSE Bailout Elimination and Taxpayer Protection Act Mortgage Finance Agency Act S. 1376 FHA Solvency Act HR 2767 Protecting American Taxpaers and Homeowners Act

Client expense: $700,000 · Firm income: Not reported

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

FHA Programs HR1145 - FHA Emergency Fiscal Solvency Act of 2013 S1376 - The FHA Solvency ActFHA Programs (cont'd) HR1872 - Budget and Accounting Transparency Act of 2014 HR1997 - Communities Achieving Sustainability Act Rural Housing Provisions HR858 - Rural Housing Preservation Act of 2013 HR933 - Department of Defense, Military Construction, and Veterans Affairs Full-Year Continuing Appropriations Act of 2013 HR1947 - FARRM Act of 2013 HR2410 - Fiscal 2014 Agriculture Appropriations HR3547 - Fiscal 2014 Omnibus Appropriations HR2642 - Agriculture Act of 2014 HR2672 - CFPB Rural Designation Petition and Correction Act HR2774 - Continuing Appropriations Act, 2014 HJRes59 - Continuing Appropriations Resolution, 2014 S766 - A bill to amend section 520 of the Housing Act of 1949 to revise the census data and population requirements for areas to be considered as rural areas for purposes of such act S954 - Agriculture Reform, Food and Jobs Act of 2013 (FARM Bill) S1244 - Fiscal 2014 Agriculture Appropriations S1916 - Helping Expand Lending Practices (HELP) in Rural Communities Act S2389 - Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2015 Department of Housing and Urban Development (HUD) Appropriations HR2610 - Fiscal 2014 Transportation-HUD Appropriations Housing Finance System Reform HR2767 - The Protecting American Taxpayers and Homeowners Act of 2013 Foreclosure Moratorium for military personnel HR2404 - The Foreclosure Relief and Extension for Servicemembers Act of 2014 Conversations with the Department of Housing and Urban Development (HUD) on the FHA and federally assisted housing. Discussions with US Department of Agriculture (USDA) on the definition of "rural," the 502 loan program, and multifamily loan programs. Discussions with the Veterans Administration (VA) on the VA home loan program.

Client expense: $13,400,000 · Firm income: Not reported

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

S. 1376 - FHA Solvency Act of 2013-A bill to improve the Fedeal Housing Administration and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes.H.R. 4208 - Stabilizing FHA Loan Limit Calculations Act of 2014 - Would require HUD to use the same median home prices used in 2013 (unless they have gone up) in determining a metropolitan statistical area's loan limit. C.A.R. has lobbied on the proposed Qualified Residential Mortgage proposed rule and our concerns over how it will severely impact the availability of home loans. C.A.R. has lobbied on the issue of FHA's mortgage insurance premiums and its availability of capital to homebuyers. C.A.R. has lobbied on the issue of FHA's condominium qualification requirements which will make it more difficult for condominium projects to qualify for FHA approval. C.A.R. has lobbied on the issue of FHA's anti-flipping rule and its two-year moratorium being extended. C.A.R. has lobbied on the guarantee-fee increases implemented by the government sponsored enterprises Fannie Mae and Freddie Mac. C.A.R. lobbied to the Federal Housing Finance Agency, Fannie Mae, Freddie Mac, U.S. Department of the Treasury and the U.S. Department of Housing and Urban Development on the various forms proposed for selling government REO's, including the Fannie Mae REO Pilot Initiative, the FHA Distressed Asset Note Sale, and the Freddie Mac bulk sale program. C.A.R. has lobbied to the FHA regarding their current and permanent loan limits. C.A.R. had discussions with the FHA regarding the extension of their 203(k) program to investors. C.A.R. has lobbied Congress on the future of the FHA loan program and what role it should play in the nation's mortgage market. C.A.R. has discussed with Congress proposed FHA risk sharing ideas. C.A.R. has lobbied Congress on proposed ideas to reduce FHA's insurance coverage. C.A.R. has lobbied Congress on proposed ideas to limit and/or modify FHA's role and mission in the housing market. C.A.R. has lobbied HUD on their Mortgagee Letter 2013-23, specifically the provision that would prohibit "dual agency" in a FHA short sale transaction. C.A.R. has lobbied HUD, FHA and Congress on Mortgagee Letteer 2013-43, and the lowering of FHA loan limits. C.A.R. has lobbied the FHA to get clarification on the process for assuming FHA loans and to ensure FHA insured loans are easily assumable. C.A.R. has lobbied the FHA on eliminating their requirement that interest be paid to the end of the month when a mortgage is paid-off early.

Client expense: $16,400 · Firm income: Not reported

Government targets: Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), SENATE, Treasury, Dept of

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

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

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

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

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

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

S. 1376 - FHA Solvency Act of 2013-A bill to improve the Fedeal Housing Administration and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes.H.R. 4208 - Stabilizing FHA Loan Limit Calculations Act of 2014 - Would require HUD to use the same median home prices used in 2013 (unless they have gone up) in determining a metropolitan statistical area's loan limit. C.A.R. has lobbied on the proposed Qualified Residential Mortgage proposed rule and our concerns over how it will severely impact the availability of home loans. C.A.R. has lobbied on the issue of FHA's mortgage insurance premiums and its availability of capital to homebuyers. C.A.R. has lobbied on the issue of FHA's condominium qualification requirements which will make it more difficult for condominium projects to qualify for FHA approval. C.A.R. has lobbied on the issue of FHA's anti-flipping rule and its two-year moratorium being extended. C.A.R. has lobbied on the guarantee-fee increases implemented by the government sponsored enterprises Fannie Mae and Freddie Mac. C.A.R. lobbied to the Federal Housing Finance Agency, Fannie Mae, Freddie Mac, U.S. Department of the Treasury and the U.S. Department of Housing and Urban Development on the various forms proposed for selling government REO's, including the Fannie Mae REO Pilot Initiative, the FHA Distressed Asset Note Sale, and the Freddie Mac bulk sale program. C.A.R. has lobbied to the FHA regarding their current and permanent loan limits. C.A.R. had discussions with the FHA regarding the extension of their 203(k) program to investors. C.A.R. has lobbied Congress on the future of the FHA loan program and what role it should play in the nation's mortgage market. C.A.R. has discussed with Congress proposed FHA risk sharing ideas. C.A.R. has lobbied Congress on proposed ideas to reduce FHA's insurance coverage. C.A.R. has lobbied Congress on proposed ideas to limit and/or modify FHA's role and mission in the housing market. C.A.R. has lobbied HUD on their Mortgagee Letter 2013-23, specifically the provision that would prohibit "dual agency" in a FHA short sale transaction. C.A.R. has lobbied HUD, FHA and Congress on Mortgagee Letteer 2013-43, and the lowering of FHA loan limits. C.A.R. has lobbied the FHA to get clarification on the process for assuming FHA loans and to ensure FHA insured loans are easily assumable. C.A.R. has lobbied the FHA on eliminating their requirement that interest be paid to the end of the month when a mortgage is paid-off early.

Client expense: $16,400 · Firm income: Not reported

Government targets: Federal Communications Commission (FCC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), SENATE, Treasury, Dept of

Issues related to tax reform, mortgage insurance deductibility, housing, Federal Housing Administration solvency, government sponsored enterprise reforms, and the implementation of Dodd-Frank as it pertains to mortgage service providers. S. 563 - Jumpstart GSE Reform Act S. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 S. 1376 - FHA Solvency Act of 2013 S. 2260 - Expiring Provisions Improvement, Reform, and Efficiency (EXPIRE) Act of 2014

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to tax reform, mortgage insurance deductibility, housing, Federal Housing Administration solvency, government sponsored enterprise reforms, and the implementation of Dodd-Frank as it pertains to mortgage service providers. S. 563 - Jumpstart GSE Reform Act S. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 S. 1376 - FHA Solvency Act of 2013 S. 2260 - Expiring Provisions Improvement, Reform, and Efficiency (EXPIRE) Act of 2014

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to tax reform, mortgage insurance deductibility, housing, Federal Housing Administration solvency, government sponsored enterprise reforms, and the implementation of Dodd-Frank as it pertains to mortgage service providers. S. 563 - Jumpstart GSE Reform Act S. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 S. 1376 - FHA Solvency Act of 2013 S. 2260 - Expiring Provisions Improvement, Reform, and Efficiency (EXPIRE) Act of 2014

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to tax reform, mortgage insurance deductibility, housing, Federal Housing Administration solvency, government sponsored enterprise reforms, and the implementation of Dodd-Frank as it pertains to mortgage service providers. S. 563 - Jumpstart GSE Reform Act S. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 S. 1376 - FHA Solvency Act of 2013 S. 2260 - Expiring Provisions Improvement, Reform, and Efficiency (EXPIRE) Act of 2014

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Housing/GSE reform, mortgage insurance, housing issues and S. 1217, S. 1376 and H.R. 2767

Client expense: $180,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Housing/GSE reform, mortgage insurance, housing issues and S. 1217, S. 1376 and H.R. 2767

Client expense: $180,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

Client expense: $1,590,000 · Firm income: Not reported

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

No Bill# - Issues relating to GSE/Housing Finance Reform - focus on multi-family housing policy No Bill# - Issues relating to Dodd-Frank implementation and FIO, OFR, Volcker Rule, FSOC, FSB and their associated work on topics like capital standard, non-bank SIFI designation, insurance regulation, and oversight H.R. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 - All provisionsH.J. Res. 59 - Continuing Appropriations Resolution of 2014 (Restrict Access to the Social Security Death Master File) S. 534 - National Association of Registered Agents and Brokers Reform Act of 2013 - all provisions S. 563 - Jumpstart GSE Reform Act - multi-family provisions H.R. 2767 - Protecting American Taxpayers and Homeowners (PATH) Act - all provisions S. 1369 - To provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance and for other purposes S. 1376 - The FHA Solvency Act of 2013 - all provisions H.R. 2140 - The Insurance Capital and Accounting Standards Act of 2013 - all provisions H.R. 2720 - Alexis Agin Identity Theft Protection Act of 2013 H.R. 1155 - National Association of Registered Agents and Brokers Reform Act of 2013 S. 676 - Identity Theft and Tax Fraud Prevention Act of 2013 No Bill# - Bipartisan Budget Act of 2013 No Bill# - Universal Child Savings Accounts S. 2102 - A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act S. 2270 / H.R. 4510 - Insurance Capital Standards Clarification Act of 2014 H.R. 5461 - To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes

Client expense: $1,840,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

FHA Programs HR1145 - FHA Emergency Fiscal Solvency Act of 2013 S1376 - The FHA Solvency ActFHA Programs (cont'd) HR1872 - Budget and Accounting Transparency Act of 2014 HR1997 - Communities Achieving Sustainability Act Rural Housing Provisions HR858 - Rural Housing Preservation Act of 2013 HR933 - Department of Defense, Military Construction, and Veterans Affairs Full-Year Continuing Appropriations Act of 2013 HR1947 - FARRM Act of 2013 HR2410 - Fiscal 2014 Agriculture Appropriations HR3547 - Fiscal 2014 Omnibus Appropriations HR2642 - Agriculture Act of 2014 HR2672 - CFPB Rural Designation Petition and Correction Act HR2774 - Continuing Appropriations Act, 2014 HJRes59 - Continuing Appropriations Resolution, 2014 S766 - A bill to amend section 520 of the Housing Act of 1949 to revise the census data and population requirements for areas to be considered as rural areas for purposes of such act S954 - Agriculture Reform, Food and Jobs Act of 2013 (FARM Bill) S1244 - Fiscal 2014 Agriculture Appropriations S1916 - Helping Expand Lending Practices (HELP) in Rural Communities Act S2389 - Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2015 Department of Housing and Urban Development (HUD) Appropriations HR2610 - Fiscal 2014 Transportation-HUD Appropriations Housing Finance System Reform HR2767 - The Protecting American Taxpayers and Homeowners Act of 2013 Conversations with the Department of Housing and Urban Development (HUD) on the FHA and federally assisted housing. Discussions with the Rural Housing Service (RHS) of the USDA on rural housing regulations.

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

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

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

Client expense: $95,000 · Firm income: Not reported

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

S. 1577 - Mortgage Choice Act of 2013; a bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 3211 - Mortgage Choice Act of 2013; a bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction.S. 1376 FHA Solvency Act of 2013 H.R. 2767 Protecting American Taxpayers and Homeowners (PATH) Act H.R. 1077 Consumer Mortgage Choice Act. Amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. S. 949 Consumer Mortgage Choice Act S. 1217 Housing Finance Reform and Taxpayer Protection Act of 2013 S. 469 A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program. H.R. 3211 the Mortgage Choice Act H.R. 2642 the Federal Agriculture Reform and Risk Management Act. S. 954 the Agriculture Reform, Food, and Jobs Act. H.R. 2733 the Defending American Taxpayers from Abusive Government Takings Act S. 766 A bill to amend section 520 of the Housing Act of 1949 to revise the census data and population requirements for areas to be considered as rural areas for purposes of such Act. S. 1243 Transportation, Housing and Urban Development and related Agencies appropriations. S. 1375 Rebuilding Equity Act of 2013 H.R. 2610 the Transportation, Housing and Urban Development, and related agencies Appropriations Act for FY 2014

Client expense: $750,000 · Firm income: Not reported

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

S. 1577 - Mortgage Choice Act of 2013; a bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. H.R. 3211 - Mortgage Choice Act of 2013; a bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction.S. 1376 FHA Solvency Act of 2013 H.R. 2767 Protecting American Taxpayers and Homeowners (PATH) Act H.R. 1077 Consumer Mortgage Choice Act. Amends the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. S. 949 Consumer Mortgage Choice Act S. 1217 Housing Finance Reform and Taxpayer Protection Act of 2013 S. 469 A bill to assist the Secretary of Housing and Urban Development in stabilizing the Home Equity Conversion Mortgage program. H.R. 3211 the Mortgage Choice Act H.R. 2642 the Federal Agriculture Reform and Risk Management Act. S. 954 the Agriculture Reform, Food, and Jobs Act. H.R. 2733 the Defending American Taxpayers from Abusive Government Takings Act H.R. 1077 Consumer Mortgage Choice Act: To amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction.

Client expense: $750,000 · Firm income: Not reported

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

S.1217 Housing Finance Reform Taxpayer Protection Act of 2013 GSE Credit Risk Equitable Treatment Act GSE Portfolio Risk Reduction Act GSE Risk and Activities Limiation Act GSE Bailout Eliminiation and Taxpayer Protection Act Mortgage Finance Agency Act S.1376 FHA Solvency Act HR. 2767 Protecting American Taxpayers and Homeowners Act

Client expense: $800,000 · Firm income: Not reported

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

Policy issues pertaining to mortgage insurance, government-sponsored entities, the housing finance market, including H.R. 1145, S. 1217, S. 688, S. 1376, H.R. 2767, H.R. 5055.

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

Government targets: HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

Policy issues pertaining to mortgage insurance, government-sponsored entities, the housing finance market, including H.R. 1145, S. 1217, S. 688, S. 1376, H.R. 2767, H.R. 5055.

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

Government targets: HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

Policy issues pertaining to mortgage insurance, government-sponsored entities, the housing finance market,including H.R. 1145, S. 1217, S. 688, S. 1376, H.R. 2767, H.R. 5055.

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

Government targets: HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

S. 1217, Housing Finance Reform and Taxpayer Protection Act of 2013, all provisions; Housing Finance Reform and Taxpayer Protection Act of 2014 (aka, the Johnson-Crapo housing reform bill--no bill number yet); H.R. 2767, the Protecting American Taxpayers and Homeowners Act of 2013, all provisions; S. 1217, Housing Finance Reform and Taxpayer Protection Act of 2013, all provisions; Issues regarding Housing Finance Reform and credit availability - general; S. 1376, The FHA Solvency Act of 2013, all provisions; Qualified Mortgage Rule - ability to repay standard; H.R. 3211, The Mortgage Choice Act, all provisions.

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

Tax reform, mortgage insurance deductibility, housing, Federal Housing Administration solvency and Government Sponsored Enterprise reforms. Implementation of Dodd-Frank as it pertains to mortgage service providers, S.563 - Jumpstart GSE Reform Act, S.249 - Responsible Homeowner Refinancing Act of 2013, S.1217 - Housing Finance Reform and Taxpayer Protection Act, H.R. 2767 - Protecting American Taxpayers and Homeowners (PATH) Act of 2013, S. 1376 - FHA Solvency Act of 2013.S. 2260 - Expiring Provisions Improvement Reform and Efficiency (EXPIRE) Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Tax reform, mortgage insurance deductibility, housing, Federal Housing Administration solvency and Government Sponsored Enterprise reforms. Implementation of Dodd-Frank as it pertains to mortgage service providers, S.563 - Jumpstart GSE Reform Act, S.249 - Responsible Homeowner Refinancing Act of 2013, S.1217 - Housing Finance Reform and Taxpayer Protection Act, H.R. 2767 - Protecting American Taxpayers and Homeowners (PATH) Act of 2013, S. 1376 - FHA Solvency Act of 2013.S. 2260 - Expiring Provisions Improvement Reform and Efficiency (EXPIRE) Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Tax reform, mortgage insurance deductibility, housing, Federal Housing Administration solvency and Government Sponsored Enterprise reforms. Implementation of Dodd-Frank as it pertains to mortgage service providers, S.563 - Jumpstart GSE Reform Act, S.249 - Responsible Homeowner Refinancing Act of 2013, S.1217 - Housing Finance Reform and Taxpayer Protection Act, H.R. 2767 - Protecting American Taxpayers and Homeowners (PATH) Act of 2013, S. 1376 - FHA Solvency Act of 2013.S. 2260 - Expiring Provisions Improvement Reform and Efficiency (EXPIRE) Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Tax reform, mortgage insurance deductibility, housing, Federal Housing Administration solvency and Government Sponsored Enterprise reforms. Implementation of Dodd-Frank as it pertains to mortgage service providers, S.563 - Jumpstart GSE Reform Act, S.249 - Responsible Homeowner Refinancing Act of 2013, S.1217 - Housing Finance Reform and Taxpayer Protection Act, H.R. 2767 - Protecting American Taxpayers and Homeowners (PATH) Act of 2013, S. 1376 - FHA Solvency Act of 2013.S. 2260 - Expiring Provisions Improvement Reform and Efficiency (EXPIRE) Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 1217, Housing Finance Reform and Taxpayer Protection Act of 2013, all provisions; Housing Finance Reform and Taxpayer Protection Act of 2014 (aka, the Johnson-Crapo housing reform bill--no bill number yet); H.R. 2767, the Protecting American Taxpayers and Homeowners Act of 2013, all provisions; S. 1217, Housing Finance Reform and Taxpayer Protection Act of 2013, all provisions; Issues regarding Housing Finance Reform and credit availability - general; S. 1376, The FHA Solvency Act of 2013, all provisions; Qualified Mortgage Rule - ability to repay standard; H.R. 3211, The Mortgage Choice Act, all provisions.

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

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

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

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

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

No Bill # - Issues relating to GSE/Housing Finance Reform - focus on multi-family housing policy No Bill # - Issues relating to Dodd-Frank implementation and FIO, OFR, Volcker Rule, FSOC, FSB and their associated work on topics like capital standard, non-bank SIFI designation, insurance regulation, and oversight H.R. 1217 - Housing Finance Reform and Taxpayer Protection Act of 2013 - All provisionsH.J. Res. 59 - Continuing Appropriations Resolution of 2014 (Restrict Access to the Social Security Death Master File) S. 534 - National Association of Registered Agents and Brokers Reform Act of 2013 - all provisions. S. 563 - Jumpstart GSE Reform Act - Multifamily provisions H.R. 2767 - Protecting American Taxpayers and Homeowners (PATH) Act - all provisions S. 1369 - To provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance and for other purposes S. 1376 - The FHA Solvency Act of 2013 - all provisions H.R. 2140 - The Insurance Capital and Accounting Standards Act of 2013 - all provisions H.R. 2720 - Alexis Agin Identity Theft Protection Act of 2013 H.R. 1155 - National Association of Registered Agents and Brokers Reform Act of 2013 S. 676 - Identity Theft and Tax Fraud Prevention Act of 2013 No Bill # - Bipartisan Budget Act of 2013 No Bill # - Universal Child Savings Accounts S. 2102 - A bill to clarify the applicaiton of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act S. 2270 / H.R. 4510 - Insurance Capital Standards Clarification Act of 2014

Client expense: $1,941,500 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

Housing/GSE reform, mortgage insurance, housing issues and S. 1217, S. 1376 and H.R. 2767.

Client expense: $160,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE