Restoring the Constitutional Balance of Power Act of 2013

(1) Urge CFPB to enact strong fair debt collection rule reforms (2) Support bank overdraft fee reform (HR 1261) (3) Support independent funding, authority and structure of CFPB and oppose all bills to weaken including HR 3193, HR 450,.S 18., S. 205, S 190, S. 238, S. 450 and any similar bills or budgetary line items or appropriations riders. OCC, FDIC, CFTC, SEC, FTC, National Economic Council, FFIEC, NCUA, Department of Education, OMB/OIRA, Commerce, State, Defense, DOJ(4) Support legislation to rein in payday lending and similar predatory loan practices, including HR 990 and S 172. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders, such as H.R. 1566, the so-called Consumer Credit Access, Innovation, and Modernization Act. . Urge CFPB, and other regulators to prevent banks from offering simlar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores, such as S 471/HR 1002. (6) Work to protect consumer privacy notices from full repeal (HR 749, S 635). (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including REINS ACT (S 15) and any similar bills. (7) Support full funding and authority for all othe financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer contracts, such as support for Arbitration Fairness Act (Arbitration Fairness Act of 2013 (or AFA), S. 878, ). (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms. Oppose efforts to weaken that authority, including HR 797, which would weaken protections for municipal borrowers (12) Urge CFPB/DeptofEd and administration to support strong gainful employment rules for for-profit schools. (13) Support CFPB/DOE efforts to protect students from unfair private student loan practices. (14) Urge financial agencies and FTC to protect consumer privacy and to regulate Internet credit scoring models, data brokers and other practices involving the sale or mining of of consumer social networking and other information and regulate tracking of consumers. (15) Support efforts to establish anti-speculation Financial Transactions Tax (HR 880, S 410). (16) Oppose efforts to weaken investor protections, including under guise of implementing JOBS Act of 2012. (17) Support efforts to eliminate Deceptive Loan Checks (S 187); Urge that any cybersecurity legislation includes privacy protections in Title VII of S. 3414 (2012). (18) Urge CFPB to use authority to ensure private education lenders obtain school certification prior to disbursing private education loans and urge CFPB/DeptofEd to protect students. (19) Urge opposition to H.R. 1256, the so-called Swaps Jurisdiction Certainty Act and similar proposals to weaken CFTC authority. (20) Generally urge CFPB to implement strongest possible consumer protections, including to protect consumers from unfair pre-dispute arbitration agreements, from credit bureau mistakes, from fee-harvester credit cards, unfair debt collector practices, as well as strongest mortgage and foreclosure rules, etc. (21) Urge FTC to enact and enforce strong consumer rules on issues ranging from privacy to used car rules to debt collection and debt settlement firms. (22) Protect and enhance Durbin amendment limiting so-called merchant swipe or interchange fees on debit cards. (22) Support Freedom and Mobility in Consumer Banking Act, HR 3137 (Schakowsky) and S 1534 (Harkin). (23) Oppose HR 2538 to allow full file credit reporting without adequate safeguards.(24) Support HR 2998, Investor Choice Act to eliminate mandatory arbitration in investor disputes (Ellison). (25) Urge FTC to strengthen Telemarketing Sales Rule. (26) Urge Defense to strengthen Military Lending Act regarding Limitations on Terms of Consumer Credit Extended to Service Members and Dependents (27) Oppose S. 710, the so-called Municipal Advisors Relief Act of 2013. (28) Oppose oppose H.R. 2655, the so-called Lawsuit Abuse Reduction Act. (29) Support efforts by CFPB and prudential regulators to end discriminatory lending practices in the auto finance market that harm minority car buyers. (30) Support the Net Price Calculator Improvement Act for college student loan comparisons. (31) Urge bank regulators take further strong action to protect consumers and the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans. (32) Urge CFPB to propose and enact strong, comprehensive rule regulating online and storefront payday and similar small-dollar loans. (33) Support legislation such as S.1654 the- Government Settlement Transparency and Reform Act and urge CFPB, DOJ, FTC, SEC and other agencies to include language in lawsuit settlements to prevent corporate wrongdoers from taking tax writeoffs on any penalties or restitution paid to Treasury or consumer-victims. Urge that these settlements be made public.

Client expense: $23,261 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Consumer Product Safety Commission (CPSC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), Office of the Comptroller of the Currency (OCC), SENATE, State, Dept of (DOS), Treasury, Dept of, U.S. Trade Representative (USTR)

H.R., 1221 Basel III Capital Impact Study Act S. 205, Responsible Consumer Financial Protection Regulations Act of 2013 S. 20, Financial Takeover Repeal Act of 2013 S. 190, Restoring the Constitutional Balance of Power Act of 2013 (Sec. 3)S.1369, A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes. S 100, Terminating the Expansion of Too-Big-To-Fail Act of 2013 H.R. 749/S. 635, Eliminate Privacy Notice Confusion Act Implementation of Dodd-Frank Act (PL 111-203) Issues related to Systemic Risk Designation Process H.R. 2140, Insurance Capital and Accounting Standards Act of 2013 H.R.2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 Issues related to the application of capital standards on globally active insurance companies. 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.

Client expense: $260,000 · Firm income: Not reported

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

1) Support confirmation of Richard Cordray as CFPB director. (2) Support bank overdraft fee reform (HR 1261) (3) Support independent funding, authority and structure of CFPB and oppose all bills to weaken including HR 450,.S 18., S. 205, S 190, S. 238, S. 450 and any similar bills or budgetary line items or appropriations riders. 4) Support legislation to rein in payday lending and similar predatory loan practices, including HR 990 and S 172. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders, such as H.R. 1566, the so-called Consumer Credit Access, Innovation, and Modernization Act. . Urge CFPB, and other regulators to prevent banks from offering simlar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores, such as S 471/HR 1002. (6) Work to protect consumer privacy notices from full repeal (HR 749, S 635). (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including REINS ACT (S 15) and any similar bills. (7) Support full funding and authority for all othe financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer contracts, such as support for Arbitration Fairness Act ( Arbitration Fairness Act of 2013 (or AFA), S. 878, ). (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms. Oppose efforts to weaken that authority, including HR 797, which would weaken protections for municipal borrowers (12) Urge CFPB/DeptofEd and administration to support strong gainful employment rules for for-profit schools. (13) Support CFPB/DOE efforts to protect students from unfair provate student loan practices. (14) Urge financial agencies and FTC to protect consumer privacy and to regulate Internet credit scoring models, data brokers and other practices involving the sale or mining of of consumer social networking and other information and regulate tracking of consumers. (15) Support efforts to establish anti-speculation Financial Transactions Tax (HR 880, S 410). (16) Oppose efforts to weaken investor protections, including under guise of implementing JOBS Act of 2012. (17) Support efforts to eliminate Deceptive Loan Checks (S 187); Urge that any cybersecurity legislation includes privacy protections in Title VII of S. 3414 (2012). (18) Urge CFPB to use authority to ensure private education lenders obtain school certification prior to disbursing private education loans and urge CFPB/DeptofEd to protect students;(19) Urge opposition to H.R. 1256, the so-called Swaps Jurisdiction Certainty Act and similar proposals to weaken CFTC authority. (20) Generally urge CFPB to implement strongest possible consumer protections, including to protect consumers from unfair pre-dispute arbitration agreements, from credit bureau mistakes, from fee-harvester credit cards, unfair debt collector practices, as well as strongest mortgage and foreclosure rules, etc. (21) Urge FTC to enact and enforce strong consumer rules on issues ranging from privacy to used car rules to debt collection and debt settlement firms. (22) Protect and enhance Durbin amendment limiting so-called merchant swipe or interchange fees on debit cards. (22) Support Freedom and Mobility in Consumer Banking Act, HR 3137 (Schakowsky) and S 1534 (Harkin). (23) Oppose HR 2538 to allow full file credit reporting without adequate safeguards.(24) Support HR 2998, Investor Choice Act to eliminate mandatory arbitration in investor disputes (Ellison). (25) Urge FTC to strengthen Telemarketing Sales Rule. (26) Urge Defense to strengthen Military Lending Act regarding Limitations on Terms of Consumer Credit Extended to Service Members and Dependents (27) Oppose S. 710, the so-called Municipal Advisors Relief Act of 2013. (28) Oppose oppose H.R. 2655, the so-called Lawsuit Abuse Reduction Act. (29) Support efforts by CFPB and prudential regulators to end discriminatory lending practices in the auto finance market that harm minority car buyers. (30) Support the Net Price Calculator Improvement Act for college student loan comparisons. (31) Urge bank regulators take further strong action to protect consumers and the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans.

1) Support confirmation of Richard Cordray as CFPB director. (2) Support bank overdraft fee reform (HR 1261) (3) Support independent funding, authority and structure of CFPB and oppose all bills to weaken including HR 450,.S 18., S. 205, S 190, S. 238, S. 450 and any similar bills or budgetary line items or appropriations riders.4) Support legislation to rein in payday lending and similar predatory loan practices, including HR 990 and S 172. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders, such as H.R. 1566, the so-called Consumer Credit Access, Innovation, and Modernization Act. . Urge CFPB, and other regulators to prevent banks from offering simlar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores, such as S 471/HR 1002. (6) Work to protect consumer privacy notices from full repeal (HR 749, S 635). (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including REINS ACT (S 15) and any similar bills. (7) Support full funding and authority for all othe financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer contracts, such as support for Arbitration Fairness Act (Arbitration Fairness Act of 2013 (or AFA), S. 878, ). (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms. Oppose efforts to weaken that authority, including HR 797, which would weaken protections for municipal borrowers (12) Urge CFPB/DeptofEd and administration to support strong gainful employment rules for for-profit schools. (13) Support CFPB/DOE efforts to protect students from unfair provate student loan practices. (14) Urge financial agencies and FTC to protect consumer privacy and to regulate Internet credit scoring models, data brokers and other practices involving the sale or mining of of consumer social networking and other information and regulate tracking of consumers. (15) Support efforts to establish anti-speculation Financial Transactions Tax (HR 880, S 410). (16) Oppose efforts to weaken investor protections, including under guise of implementing JOBS Act of 2012. (17) Support efforts to eliminate Deceptive Loan Checks (S 187); Urge that any cybersecurity legislation includes privacy protections in Title VII of S. 3414 (2012). (18) Urge CFPB to use authority to ensure private education lenders obtain school certification prior to disbursing private education loans and urge CFPB/DeptofEd to protect students;(19) Urge opposition to H.R. 1256, the so-called Swaps Jurisdiction Certainty Act and similar proposals to weaken CFTC authority. (20) Generally urge CFPB to implement strongest possible consumer protections, including to protect consumers from unfair pre-dispute arbitration agreements, from credit bureau mistakes, from fee-harvester credit cards, unfair debt collector practices, as well as strongest mortgage and foreclosure rules, etc. (21) Urge FTC to enact and enforce strong consumer rules on issues ranging from privacy to used car rules to debt collection and debt settlement firms. (22) Protect and enhance Durbin amendment limiting so-called merchant swipe or interchange fees on debit cards.

1) Support confirmation of Richard Cordray as CFPB director. (2) Support bank overdraft fee reform (HR 1261) (3) Support independent funding, authority and structure of CFPB and oppose all bills to weaken including HR 450,.S 18., S. 205, S 190, S. 238, S. 450 and any similar bills or budgetary line items or appropriations riders.4) Support legislation to rein in payday lending and similar predatory loan practices, including HR 990 and S 172. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders, such as H.R. 1566, the so-called Consumer Credit Access, Innovation, and Modernization Act. . Urge CFPB, and other regulators to prevent banks from offering simlar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores, such as S 471/HR 1002. (6) Work to protect consumer privacy notices from full repeal (HR 749, S 635). (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including REINS ACT (S 15) and any similar bills. (7) Support full funding and authority for all othe financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer contracts, such as support for Arbitration Fairness Act ( Arbitration Fairness Act of 2013 (or AFA), S. 878, ). (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms. Oppose efforts to weaken that authority, including HR 797, which would weaken protections for municipal borrowers (12) Urge CFPB/DeptofEd and administration to support strong gainful employment rules for for-profit schools. (13) Support CFPB/DOE efforts to protect students from unfair provate student loan practices. (14) Urge financial agencies and FTC to protect consumer privacy and to regulate Internet credit scoring models, data brokers and other practices involving the sale or mining of of consumer social networking and other information and regulate tracking of consumers. (15) Support efforts to establish anti-speculation Financial Transactions Tax (HR 880, S 410). (16) Oppose efforts to weaken investor protections, including under guise of implementing JOBS Act of 2012. (17) Support efforts to eliminate Deceptive Loan Checks (S 187); Urge that any cybersecurity legislation includes privacy protections in Title VII of S. 3414 (2012). (18) Urge CFPB to use authority to ensure private education lenders obtain school certification prior to disbursing private education loans and urge CFPB/DeptofEd to protect students;(19) Urge opposition to H.R. 1256, the so-called Swaps Jurisdiction Certainty Act and similar proposals to weaken CFTC authority. (20) Generally urge CFPB to implement strongest possible consumer protections, including to protect consumers from unfair pre-dispute arbitration agreements, from credit bureau mistakes, from fee-harvester credit cards, unfair debt collector practices, as well as strongest mortgage and foreclosure rules, etc. (21) Urge FTC to enact and enforce strong consumer rules on issues ranging from privacy to used car rules to debt collection and debt settlement firms. (22) Protect and enhance Durbin amendment limiting so-called merchant swipe or interchange fees on debit cards. (22) Support Freedom and Mobility in Consumer Banking Act, HR 3137 (Schakowsky) and S 1534 (Harkin). (23) Oppose HR 2538 to allow full file credit reporting without adequate safeguards.(24) Support HR 2998, Investor Choice Act to eliminate mandatory arbitration in investor disputes (Ellison). (25) Urge FTC to strengthen Telemarketing Sales Rule. (26) Urge Defense to strengthen Military Lending Act regarding Limitations on Terms of Consumer Credit Extended to Service Members and Dependents (27) Oppose S. 710, the so-called Municipal Advisors Relief Act of 2013. (28) Oppose oppose H.R. 2655, the so-called Lawsuit Abuse Reduction Act. (29) Support efforts by CFPB and prudential regulators to end discriminatory lending practices in the auto finance market that harm minority car buyers. (30) Support the Net Price Calculator Improvement Act for college student loan comparisons. (31) Urge bank regulators take further strong action to protect consumers and the payment system by stopping depository institutions and payment processors from facilitating electronic payments for illegal transactions, including illegal payday loans.

H.R.: 1221 Basel III Capital Impact Study Act S. 205: Responsible Consumer Financial Protection Regulations Act of 2013 S. 20: Financial Takeover Repeal Act of 2013 S. 190: Restoring the Constitutional Balance of Power Act of 2013 (Sec. 3)S.1369, A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes. S 100: Terminating the Expansion of Too-Big-To-Fail Act of 2013 H.R. 749/S. 635: Eliminate Privacy Notice Confusion Act Implementation of Dodd-Frank Act (PL 111-203) Issues related to Systemic Risk Designation Process H.R. 2140, Insurance Capital and Accounting Standards Act of 2013 H.R.2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 Issues related to the application of capital standards on globally active insurance companies.

Client expense: $330,000 · Firm income: Not reported

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

H.R. 436, Ban on union-only PLA requirements H.R. 795, Reining in the NLRB H.R. 946, National Right to Work Act, all provisions H.R. 1107, Eliminating "Official Time"H.R. 1120, Reining in the NLRB S. 109, Ban on union-only PLA requirements S. 190, Reining in the NLRB S. 204, National Right to Work Act, all provisions S. Admt. 349, Reining in the NLRB S. Res 4, Weakening Filibuster S. Res 5, Weakening Filibuster S. Res 6, Weakening Filibuster S. Res 7, Weakening Filibuster Public Safety Employer-Employee Cooperation Act, all provisions. Freedom From Union Violence Act, all provisions.

Client expense: $650,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Support confirmation of Richard Cordray as CFPB director. Support bank overdraft fee reform (HR 1261) Support independent funding, authority and structure of CFPB and oppose all bills to weaken including HR 450,.S 18., S. 205, S 190, S. 238, S. 450 and any similar bills or budgetary line items or appropriations riders. Support legislation to rein in payday lending and similar predatory loan practices, including HR 990 and S 172. Oppose any bills to provide special status or create non-bank federal chartersfor payday or similar lenders, such as H.R. 1566, the so-called Consumer Credit Access, Innovation, and Modernization Act. . Urge CFPB, and other regulators to prevent banks from offering similar predatory payday advance products. Support legislation to hold credit bureaus accountable including proposals to provide free credit scores, such as S 471/HR 1002. Work to protect consumer privacy notices from full repeal (HR 749, S 635). Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including REINS ACT (S 15) and any similar bills. Support full funding and authority for all othe financial regulators, including CFTC and SEC. Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. Oppose efforts in Congress to weaken any other consumer laws (Support efforts to eliminate forced arbitration in consumer contracts, such as support for Arbitration Fairness Act (Arbitration Fairness Act of 2013 (or AFA), S. 878, ). Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms. Oppose efforts to weaken that authority, including HR 797, which would weaken protections for municipal borrowers. Urge CFPB/DeptofEd and administration to support strong gainful employment rules for for-profit schools. (13) Support CFPB/DOE efforts to protect students from unfair provate student loan practices. Urge financial agencies and FTC to protect consumer privacy and to regulate Internet credit scoring models, data brokers and other practices involving the sale or mining of of consumer social networking and other information and regulate tracking of consumers. Support efforts to establish anti-speculation Financial Transactions Tax (HR 880, S 410). Oppose efforts to weaken investor protections, including under guise of implementing JOBS Act of 2012. Support efforts to eliminate Deceptive Loan Checks (S 187); Urge that any cybersecurity legislation includes privacy protections in Title VII of S. 3414 (2012). Urge CFPB to use authority to ensure private education lenders obtain school certification prior to disbursing private education loans and urge CFPB/DeptofEd to protect students;Urge opposition to H.R. 1256, the so-called Swaps Jurisdiction Certainty Act and similar proposals to weaken CFTC authority. Generally urge CFPB to implement strongest possible consumer protections, including to protect consumers from unfair pre-dispute arbitration agreements, from credit bureau mistakes, from fee-harvester credit cards, unfair debt collector practices, as well as strongest mortgage and foreclosure rules, etc. Urge FTC to enact and enforce strong consumer rules on issues ranging from privacy to used car rules to debt collection and debt settlement firms. Protect and enhance Durbin amendment limiting so-called merchant swipe or interchange fees on debit cards. (22) Support Freedom and Mobility in Consumer Banking Act, HR 3137 (Schakowsky) and S 1534 (Harkin). Oppose HR 2538 to allow full file credit reporting without adequate safeguards.Support HR 2998, Investor Choice Act to eliminate mandatory arbitration in investor disputes (Ellison). Urge FTC to strengthen Telemarketing Sales Rule.Urge Defense to strengthen Military Lending Act regarding Limitations on Terms of Consumer Credit Extended to Service Members and Dependents Oppose S. 710, the so-called Municipal Advisors Relief Act of 2013. Oppose oppose H.R. 2655, the so-called Lawsuit Abuse Reduction Act. Support efforts by CFPB and prudential regulators to end discriminatory lending practices in the auto finance market that harm minority car buyers.

H.R.: 1221 Basel III Capital Impact Study Act S. 205: Responsible Consumer Financial Protection Regulations Act of 2013 S. 20: Financial Takeover Repeal Act of 2013 S. 190: Restoring the Constitutional Balance of Power Act of 2013 (Sec. 3)S.1369, A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes. (entire bill) S 100: Terminating the Expansion of Too-Big-To-Fail Act of 2013 H.R. 749/S 635: Eliminate Privacy Notice Confusion Act Implementation of Dodd-Frank Act (PL 111-203) Issues related to Systemic Risk Designation Process H.R. 2140, Insurance Capital and Accounting Standards Act of 2013 (entire bill) H.R.2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 (entire bill)

Client expense: $290,000 · Firm income: Not reported

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

H.R. 436, Ban on union-only PLA requirements H.R. 795, Reining in the NLRB H.R. 946, National Right to Work Act, all provisions H.R. 1107, Eliminating "Official Time"H.R. 1120, Reining in the NLRB S. 109, Ban on union-only PLA requirements S. 190, Reining in the NLRB S. 204, National Right to Work Act, all provisions S. Admt. 349, Reining in the NLRB S. Res 4, Weakening Filibuster S. Res 5, Weakening Filibuster S. Res 6, Weakening Filibuster S. Res 7, Weakening Filibuster Public Safety Employer-Employee Cooperation Act, all provisions. Freedom From Union Violence Act, all provisions.

Client expense: $1,120,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1) Support confirmation of Richard Cordray as CFPB director. (2) Support bank overdraft fee reform (HR 1261) (3) Support independent funding, authority and structure of CFPB and oppose all bills to weaken including HR 450,.S 18., S. 205, S 190, S. 238, S. 450 and any similar bills or budgetary line items or appropriations riders.4) Support legislation to rein in payday lending and similar predatory loan practices, including HR 990 and S 172. Oppose any bills to provide special status or create non-bank federal charters for payday or similar lenders, such as H.R. 1566, the so-called Consumer Credit Access, Innovation, and Modernization Act. . Urge CFPB, and other regulators to prevent banks from offering simlar predatory payday advance products. (5) Support legislation to hold credit bureaus accountable including proposals to provide free credit scores, such as S 471/HR 1002. (6) Work to protect consumer privacy notices from full repeal (HR 749, S 635). (6) Oppose efforts to add layers of unnecessary cost-benefit analysis or other so-called accountability constraints onto any federal financial agency or independent agency, including REINS ACT (S 15) and any similar bills. (7) Support full funding and authority for all othe financial regulators, including CFTC and SEC. (8) Urge CFPB and other regulators to enact strongest possible rules to protect homeowners and consumers from financial, foreclosure, mortgage servicing and other weakenings. (9) Oppose efforts in Congress to weaken any other consumer laws (10) Support efforts to eliminate forced arbitration in consumer contracts, such as support for Arbitration Fairness Act (Arbitration Fairness Act of 2013 (or AFA), S. 878, ). (11) Support efforts to make large, interconnected financial institutions more accountable to taxpayers, depositors and investors, including support for Volcker rule, other too-big-to-fail and capital reforms. Oppose efforts to weaken that authority, including HR 797, which would weaken protections for municipal borrowers (12) Urge CFPB/DeptofEd and administration to support strong gainful employment rules for for-profit schools. (13) Support CFPB/DOE efforts to protect students from unfair provate student loan practices. (14) Urge financial agencies and FTC to protect consumer privacy and to regulate Internet credit scoring models, data brokers and other practices involving the sale or mining of of consumer social networking and other information and regulate tracking of consumers. (15) Support efforts to establish anti-speculation Financial Transactions Tax (HR 880, S 410). (16) Oppose efforts to weaken investor protections, including under guise of implementing JOBS Act of 2012. (17) Support efforts to eliminate Deceptive Loan Checks (S 187); Urge that any cybersecurity legislation includes privacy protections in Title VII of S. 3414 (2012). (18) Urge CFPB to use authority to ensure private education lenders obtain school certification prior to disbursing private education loans and urge CFPB/DeptofEd to protect students;(19) Urge opposition to H.R. 1256, the so-called Swaps Jurisdiction Certainty Act and similar proposals to weaken CFTC authority. (20) Generally urge CFPB to implement strongest possible consumer protections, including to protect consumers from unfair pre-dispute arbitration agreements, from credit bureau mistakes, from fee-harvester credit cards, unfair debt collector practices, as well as strongest mortgage and foreclosure rules, etc. (21) Urge FTC to enact and enforce strong consumer rules on issues ranging from privacy to used car rules to debt collection and debt settlement firms. (22) Protect and enhance Durbin amendment limiting so-called merchant swipe or interchange fees on debit cards.

Workforce development reform and funding - H.R. 803, FY 2014 House and Senate budgets & Labor-HHS appropriations legislation Legislation to prohibit NLRB actions without a Senate-confirmed quorum - H.R. 1120, H.R. 557, H.R. 976, S. 180, S. 188, S. 190 Legislation opening union-only project labor agreements up to fair and open competition - H.R. 436, S. 209 Creating additional options for worker use of compensatory time - H.R. 1406; immigration reform and tax reform, generally

Client expense: Not reported · Firm income: Not reported

Workforce development reform and funding - H.R. 803, FY 2014 House and Senate budgets & Labor-HHS appropriations legislation Legislation to prohibit NLRB actions without a Senate-confirmed quorum - H.R. 1120, H.R. 557, H.R. 976, S. 180, S. 188, S. 190 Legislation opening union-only project labor agreements up to fair and open competition - H.R. 436, S. 209 Creating additional options for worker use of compensatory time - H.R. 1406; immigration reform and tax reform, generally

Client expense: Not reported · Firm income: Not reported

Workforce development reform and funding - H.R. 803, FY 2014 House and Senate budgets & Labor-HHS appropriations legislation Legislation to prohibit NLRB actions without a Senate-confirmed quorum - H.R. 1120, H.R. 557, H.R. 976, S. 180, S. 188, S. 190 Legislation opening union-only project labor agreements up to fair and open competition - H.R. 436, S. 209 Creating additional options for worker use of compensatory time - H.R. 1406; immigration reform and tax reform, generally

Client expense: Not reported · Firm income: Not reported

Workforce development reform and funding - H.R. 803, FY 2014 House and Senate budgets & Labor-HHS appropriations legislation Legislation to prohibit NLRB actions without a Senate-confirmed quorum - H.R. 1120, H.R. 557, H.R. 976, S. 180, S. 188, S. 190 Legislation opening union-only project labor agreements up to fair and open competition - H.R. 436, S. 209 Creating additional options for worker use of compensatory time - H.R. 1406

Client expense: $8,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.: 1221 Basel III Capital Impact Study Act S. 205: Responsible Consumer Financial Protection Regulations Act of 2013 S. 20: Financial Takeover Repeal Act of 2013 S. 190: Restoring the Constitutional Balance of Power Act of 2013 (Sec. 3)S 100: Terminating the Expansion of Too-Big-To-Fail Act of 2013 H.R. 749/S 635: Eliminate Privacy Notice Confusion Act Implementation of Dodd-Frank Act (PL 111-203) Issues related to Systemic Risk Designation Process H.R. 2140, Insurance Capital and Accounting Standards Act of 2013 (entire bill)

Client expense: $290,000 · Firm income: Not reported

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

H.R. 436, Ban on union-only PLA requirements H.R. 795, Reining in the NLRB H.R. 946, National Right to Work Act, all provisions H.R. 1107, Eliminating "Official Time"H.R. 1120, Reining in the NLRB S. 109, Ban on union-only PLA requirements S. 190, Reining in the NLRB S. 204, National Right to Work Act, all provisions S. Admt. 349, Reining in the NLRB S. Res 4, Weakening Filibuster S. Res 5, Weakening Filibuster S. Res 6, Weakening Filibuster S. Res 7, Weakening Filibuster Public Safety Employer-Employee Cooperation Act, all provisions. Freedom From Union Violence Act, all provisions.

Client expense: $1,190,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.: 1221 Basel III Capital Impact Study Act S. 205: Responsible Consumer Financial Protection Regulations Act of 2013 S. 20: Financial Takeover Repeal Act of 2013 S. 190: Restoring the Constitutional Balance of Power Act of 2013 (Sec. 3)S 100: Terminating the Expansion of Too-Big-To-Fail Act of 2013 H.R. 749/S 635: Eliminate Privacy Notice Confusion Act Implementation of Dodd-Frank Act (PL 111-203) Issues related to Systemic Risk Designation Process

Client expense: $230,000 · Firm income: Not reported

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

Workforce development reform and funding - H.R. 803, FY 2014 House and Senate budgets & Labor-HHS appropriations legislation Legislation to prohibit NLRB actions without a Senate-confirmed quorum - H.R. 1120, H.R. 557, H.R. 976, S. 180, S. 188, S. 190 Legislation opening union-only project labor agreements up to fair and open competition - H.R. 436, S. 209 Creating additional options for worker use of compensatory time - H.R. 1406

Client expense: $8,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R.1120 : Preventing Greater Uncertainty in Labor-Management Relations Act; H.R.557 : Advice and Consent Restoration Act H.R.976 : To declare that certain agency actions by the National Labor Relations Board shall have no force or effect until final disposition is made.;S.180 : NLRB Freeze Act of 2013; S.188 : Advice and Consent Restoration Act; S.190 : Restoring the Constitutional Balance of Power Act of 2013 H.R.169 : Labor Relations First Contract Negotiations Act of 2013 NLRB Case Law Decisions NLRB Appointments

Client expense: $166,678 · Firm income: Not reported

Government targets: Defense Logistics Agency, Federal Motor Carrier Safety Administration, Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), SENATE

H.R. 436, Ban on union-only PLA requirements H.R. 795, Reining in the NLRB H.R. 946, National Right to Work Act, all provisions H.R. 1107, Eliminating "Official Time"H.R. 1120, Reining in the NLRB S. 109, Ban on union-only PLA requirements S. 190, Reining in the NLRB S. 204, National Right to Work Act, all provisions S. Admt. 349, Reining in the NLRB S. Res 4, Weakening Filibuster S. Res 5, Weakening Filibuster S. Res 6, Weakening Filibuster S. Res 7, Weakening Filibuster Public Safety Employer-Employee Cooperation Act, all provisions. Freedom From Union Violence Act, all provisions.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE