HELP Rural Communities Act of 2014

National Credit Union Administrations risk-based capital proposal; Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Exam fairness for credit unions (use of documents of resolution; consistency; independent appeals process); Financial Institutions Examination Fairness and Reform Act (H.R. 1553 / S. 727); Share insurance parity for credit union Interest on Lawyers Trust Accounts (H.R.3468; S. 2699; S. 2698); The CFPBs qualified mortgage/ ability-to-repay rule; CFPBs calculation of points and fees under the qualified mortgage/ ability-to-repay rule; The Mortgage Choice Act (H.R. 3211 / S. 1577); Relief from redundant annual privacy notice requirements; Privacy Notice Modernization Act (S. 635 / H.R. 749); Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act and expanding the process for expanding credit unions field of membership; Operational improvements for credit unions including raising the arbitrary member business lending cap; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; allowing credit unions greater investment authority; credit union member business lending; Requirements for credit unions to be members of the Federal Home Loan Bank system; Data security; Federal data security standards for merchants; Data Security Act of 2014 (S.1927); Federal Reserve Regulation D; Regulation D Study Act (H.R. 3240); Credit Union Tax Exemption; Tax reform; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; NCUA budget transparency; CFPB exemption authority for credit unions; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); The CFPB Examination and Reporting Threshold Act (S. 2732); Help Expand Lending Practices in Rural Communities Act (H.R. 2672/ S. 1916); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217);NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Board of Governors of the Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks (Regulation cc); collection of checks and others items by the Federal Reserve Banks and Funds Transfers Through Fedwire (Regulation J); Reserve requirements of depository institutions; reimbursement for providing financial records, recordkeeping for certain financial records; Consumer Financial Protection Bureaus proposed rule with request for comment on two modifications to the Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act and the Truth in Lending Act. CFPBs proposed changes to the collection and reporting requirements under the Home Mortgage Disclosure Act; Department of Defense proposed rule on Limitations on Terms of Consumer Credit Extended to Service Members and Dependents; Military Lending Act; H.R. 4435 - Howard P. Buck McKeon National Defense Authorization Act for Fiscal Year 2015; Defense Department Allotment System; Federal Housing Finance Agencys request for input regarding the proposed single security structure; Federal Housing Finance Agencys request for input regarding Enterprise Housing Goals 2015-2017; FinCEN proposed customer due diligence requirements for financial institutions; Comments on proposed rulemaking regarding loans in areas having special floor hazards; NCUA proposal regarding federal credit union ownership of fixed assets; NACHA / The Electronic Payments Association proposal on compliance and operational topics; Improving the process for credit unions seeking changes to their field of membership; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; Reauthorization of the Terrorism Risk Insurance Act;Federal Reserve Board seat for individual with credit union experience.

Client expense: $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, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Natl Credit Union Administration (NCUA), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

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

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

See addendum.S. 451, the Dodd-Frank Wall Street Reform and Consumer Protection Technical Corrections Act of 2013 (all provisions) S. 673, the Protecting Consumers from Unreasonable Credit Rates Act of 2013 (all provisions to set an interest rate and fee cap of 36 percent for consumer credit transactions) H.R. 688, the Credit Union Small Business Jobs Creation Act (all provisions) H.R. 1261, the Overdraft Protection 5 Act of 2013 (all provisions) H.R. 3468, a bill to amend the Federal Credit Union Act to extend insurance coverage to amounts held in a member account on behalf of another person, and for other purposes. H.R. 4252, Mutual Bank Choice and Continuity Act of 2014 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. H.R. 4060, Systemic Risk Designation Improvement Act of 2014 H.R. 4042, Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014 S. 1916, HELP Rural Communities Act of 2014 S. 1903, Prepaid Card Disclosure Act of 2014 S. 2641, a bill to amend 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, and for other purposes. S. 2697, a bill to amend the Truth in Lending Act to clarify the application of the qualified mortgage rule to rural lenders, and for other purposes. H.R. 3211, the Mortgage Choice Act H.R. 5405, to make technical corrections to the Dodd-Frank Act; to enhance the ability of small companies to access capital through public and private markets; to reduce regulatory burdens, and more. H.R. 5461, the Barr-Miller bill to clarify the application of certain leverage and risk-based requirements under DFA and Consumer Protection Act, and for other purposes.

Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit union's field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUA's fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUA's advertising requirements; CFPB's Qualified Mortgage rule; Points and Fees relative to CFPB's Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPB's consumer complaint database narrative; CFPB's implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPB's request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPB's proposed changes to Regulation P regarding annual privacy notices; CFPB's request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve System's notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act - availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFA's strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFA's proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defense's proposed changes to the regulations implementing the Military Lending Act; NCUA's request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act - field of membership issues; definition of "Rural District"; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUA's proposed rule for asset securitization; NCUA's 2014 mid-year budget review; NCUA's 2014 regulatory review - records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).

Credit Union Tax Exemption; Patent reform; Patent reform relative to demand letters; Draft House legislation to address illegitimate patent demand letters; National Credit Union Administrations risk-based capital proposal; Stop and study of NCUAs risk-based capital proposal; Providing Opportunities for Savings, Transactions, and Lending Act (H.R. 5179); Community Bank Mortgage Servicing Asset Capital Requirements Study Act (H.R. 4042); Data security breaches; Federal data security standards for merchants;Call on Congress to establish a bipartisan-bicameral data breach working group; Regulatory burden placed on credit unions stemming from the Dodd-Frank Act; Administrative Improvements for the Powers of the NCUA including allowing a federal credit union to petition NCUA for a waiver of a federal rule in favor of a state rule; providing NCUA authority to delay implementation of CFPB rules; more robust cost-benefit analysis on rule making; examination fairness provisions; improving the Central Liquidity Facility. Capital Reforms for Credit Unions including a properly designed risk-based capital proposal for credit unions; Structural improvements for credit unions including a study of outdated corporate governance provisions in the Federal Credit Union Act; and expanding the process for expanding credit unions field of membership. Operational improvements for credit unions including raising the arbitrary member business lending cap; removing requirements that credit unions mail redundant annual privacy notices; allowing credit unions greater investment authority; and providing share insurance coverage on Interest on Lawyers Trust Accounts (IOLTAs). Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act (S. 968); H.R. 4226 to exclude loans made for non-owner occupied 1 to 4 family dwellings from the definition of member business loan; H.R. 5061 to exempt from the member business lending cap loans made to veterans; Financial Institutions Examination Fairness and Reform Act (S. 727 / H.R. 1553); NCUA budget transparency; CFPB exemption authority for credit unions; Federal Housing Finance Agency (FHFA) proposal relative to Federal Home Loan Bank membership requirements; Financial Stability Oversight Council (FSOC) mandate to coordinate on rule making; SAFE Act Confidentiality and Privilege Enhancement Act (H.R. 4626); American Savings and Promotion Act (H.R. 3374); End Operation Choke Point Act (H.R. 4986); The Regulation D Study Act (H.R. 3240); Appraiser requirements under the Truth in Lending Act; H.R. 3193 requiring certain considerations before issuing regulations; Access to supplemental capital for credit unions; Capital Access for Small Business and Jobs Act (H.R. 719); Privacy Notice Modernization Act (S.635); Eliminate Privacy Notice Confusion Act (H.R. 749); A bill to require the National Credit Union Administration to provide pass-through share insurance for the deposits or shares of any interest on lawyers trust accounts, and for other purposes. (S. 2699); The RELIEVE Act (S. 2698); The CFPB Examination and Reporting Threshold Act (S. 2732); Updates and modernizations of the NCUAs fixed assets rule; Improving the process for credit unions seeking changes to their field of membership; Increase the number of transfers allowed to be made per month from savings accounts under Federal Reserve Regulation D; Flexibility for credit unions that offer member business loans; Update to requirement to disclose account numbers to protect the privacy of members under Regulation E; Advertising requirements for loan products and share accounts; Modernization of the NCUAs advertising requirements; CFPBs Qualified Mortgage rule; Points and Fees relative to CFPBs Qualified Mortgage rule; Mortgage Choice Act (H.R. 3211/ H.R. 1077 S. 1577); CFPBs consumer complaint database narrative; CFPBs implementation of the new TILA/RESPA integrated mortgage disclosures rule; CFPBs request for information regarding the use of mobile financial services by consumers and its potential for improving the financial lives of economically vulnerable consumers; CFPBs proposed changes to Regulation P regarding annual privacy notices; CFPBs request for comment regarding a correction or cure of debt-to-income ratio overages and the credit extension limit for the small creditor definition; Federal Reserve Systems notice of regulatory review and request for comments under the Economic Growth and Regulatory Paperwork Reduction Act availability of funds and collection of checks; collection of checks and other items by Federal Reserve Banks and funds transfers through Fedwire; Reserve requirements for depository institutions; reimbursement for providing financial records, recordkeeping requirements for certain financial records. FHFAs strategic plan for Fiscal Years 2015-2019; FHFA request for comment on the guarantee fees that Fannie Mae and Freddie Mac charge lenders; FHFAs proposed rule regarding revisions to the membership requirements for the Federal Home Loan Banks; Department of Defenses proposed changes to the regulations implementing the Military Lending Act; NCUAs request for comment on the review of its regulations pursuant to the Economic Growth and Regulatory Paperwork Reduction Act field of membership issues; definition of Rural District; charter conversions; associational common bond; quality assurance review; federal credit union bylaws; fees paid by credit unions; mergers of federal insured credit unions; member business lending waiver process; investment and deposit activities; fixed assets; credit union service organizations. NCUAs proposed rule for asset securitization; NCUAs 2014 mid-year budget review; NCUAs 2014 regulatory review records preservation program and guidelines; budget transparency; security program; interest rate risk and the risk-based capital proposal; loans in areas having special flood hazards; procedure for debt collection; fair credit reporting; accuracy advertising and notice of insured status; examinations; fixed assets; increased investment authority; Interest on Lawyers Trust Accounts. HELP Rural Communities Act (S. 1916); Help Expand Lending Practices in Rural Communities Act (S. 2672); Housing Finance Reform; The PATH Act (H.R. 2767); Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes (H.R. 5461).

HR 688 Credit Union Small Business Job Creation Act of 2013 HR 719 Capital Access for Small Businesses and Jobs Act HR 749 Eliminate Privacy Notice Confusion Act HR 797 Municipal Adviser Oversight Improvement Act of 2013HR 801 The Holding Company Restriction Threshold Equalization Act HR 892 The S Corporation Modernization Act HR 1062 SEC Regulatory Accountability Act HR 1603 The Mutual Community Bank Competitive Equality Act HR 1750 The Community Lending Enhancement and Regulatory Relief Act HR 2199 Flood Insurance HR 2266 The Subsidy Reserve Act (All provisions) HR 2402 The Consumer Financial Protection Commission Act HR 2446 The Responsible Consumer Financial Protection Regulations Act HR 2542 The Regulatory Flexibility Improvements Act of 2013 HR 2672 The CFPB Rural Designation Petition and Correction Act HR 2673 The Portfolio Lending and Mortgage Access Act of 2013 HR 3193 The Consumer Financial Protection Safety and Soundness Improvement Act HR 3329 To Enhance the Ability of Community Financial Institutions to Foster Economic Growth HR 3389 CFPB Slush Fund Elimination Act of 2013 HR 3474 Expiring Provisions Improvement Act HR 4042 Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014 HR 4167 Restoring Proven Financing for American Employers Act HR 4252 Mutual Bank Choice and Continuity Act of 2014 HR 4383 Bureau of Consumer Financial Protection Small Business Advisory Board Act (All provisions) HR 4466 Financial Regulatory Clarity Act HR 4521 Community Institution Mortgage Relief Act HR4662 The Bureau Advisory Opinion Act HR 4986 End Operation Choke Point Act of 2014 HR 5148 Access to Affordable Mortgages Act of 2014 HR 5405 Promoting Job Creation and Reducing Small Business Burdens Act of 2014 HR 5461 Dodd Frank Reforms S 635 Privacy Notice Modernization Act S 727 The Financial Institutions Examination Fairness and Reform Act S 1217 Housing Finance Reform and Taxpayer Protection Act S 1349 The Community Lending Enhancement and Regulatory Relief Act S 1916 HELP Rural Communities Act of 2014 S 1927 Data Secuity Act of 2014 S 2244 Amendment 3550 to the Terrorism Risk Insurance Program Reauthoriation Act of 2014 S 2252 Community Bank Preservation Act S 2588 Cybersecurity Information Sharing Act of 2014 S 2732 The CFPB Examination and Reporting Threshhold Act of 2014 Access to Capital for Community Banks Call Report Changes Capital Requirements/Regulations/Basel III Rules CFPB eRegulations Tool CFPB Reforms Credit Union Business Lending Powers Credit Union Tax Exemption Cybersecurity Data Security and Breaches DeNovo Bank Applications Department of Justice Operation Chokepoint Federal Reserve Vacancy Flood Insurance Reform Implementation of Bigger-Waters Act Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Housing Government Sponsored EnterprisesMortgage Escrow Requirements Mortgage Lending Reform Mortgage Loan Origination Standards Mortgage Servicing Standards National Flood Insurance Program Patent Litigation Reform Patent Trolling/Demand Letters Qualified Mortgages, Ability to Repay Rules Qualified Residential Mortgages/Risk Retention Regulation Z Establishment of Escrow - Higher Priced Loans Regulatory and Tax Relief for Community Banks TILA/RESPA Final Rule Implementation Virtual Currency - CFPB

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

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 Section 8 housing. Discussions with the Rural Housing Service (RHS) of the USDA on the Section 502 loan program and multifamily rental housing. Discussions with the Department of Veterans Affairs (VA) on the VA Home Loan Guarantee program.

Client expense: $16,480,000 · Firm income: Not reported

Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).

Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment on changes to regulation E in regard to remittance transfers; Consumer Financial Protection Bureaus (CFPB) proposed rule and request for comment regarding amendments to certain mortgage rules issued in 2013 under the Truth in Lending Act; CFPBs proposed rulemaking defining the larger participants on the international money transfer market;Federal Reserve Banks revised proposed rule to amend Subparts C and D of Regulation CC related to the availability of funds and the collection of checks; Federal Housing Finance Agencys request for comment regarding revisions to the National Mortgage Database Project; National Credit Union Administration (NCUA) request for comment on the proposed rule on associational common bond requirements in the Chartering and Field of Membership Manual; Joint agency request for comment on the proposed minimum requirements for appraisal management companies; NCUAs request for comment on the proposed rule on Voluntary Liquidation of credit unions; NCUA proposal on stress testing and advanced capital planning; NCUA proposal on prompt corrective action and risk-based capital; White House regarding the need for a credit union representative on the Board of Governors at the Federal Reserve; Expanding credit union investment authority to include permissible investments in derivatives, securitization and mortgage servicing rights; Modernization of the NCUAs fixed assets rule; Improve the process for credit unions seeking changes to their field of membership; Increasing the number of transfers allowed to be made per month from savings accounts under Regulation D; Added flexibility for credit unions that offer member business loans; Requirement to disclose account numbers to protect the privacy of members; Advertising requirements for loan products and share accounts; Modernization of NCUA advertising requirements; Improvements to the NCUA Central Liquidity Facility by removing the subscription requirement for membership and permanently removing the borrowing cap; Flexibility for federal credit unions to determine their choice of law; Update and make improvements to regulations governing check processing and funds availability; Eliminate redundant NCUA requirements to provide copies of appraisals upon request; Examination fairness provisions for credit unions; NCUA proposed rulemaking regarding requirements for contacts with federal credit unions and exam sites; CFPB requirements involving remittance transfers under the Electronic Fund Transfer Act; Home Mortgage Disclosure Act changes by the CFPB that go beyond requirements in Dodd-Frank; CFPB combining Truth in Lending Act and Real Estate Settlement Procedures Act disclosures; Consumer Financial Protection Bureau (CFPB) mortgage-related regulations; CFPB ability-to-repay/ qualified mortgage rule; CFPB consideration of prepaid card issues; Overdraft Protection; CFPB consumer complaint database; Need for legal opinion letters from the CFPB; Financial Stability Oversight Council and regulatory coordination; Data Security; Federal standards for safe keeping of information and data breach notification for merchants; Department of Justice Operation Choke Point initiative; NCUA oversight; Regulatory relief for our nations credit unions; Legislative changes to provide regulatory relief for our nations credit unions; Regulatory Relief for Credit Unions Act of 2013 (H.R. 2572); Administrative improvements for the powers of the NCUA; NCUA ability to grant parity to a federal credit union on a broader state rule; NCUA ability to delay the implementation of a CFPB rule that applies to credit unions; Requirement of a look-back cost-benefit analysis of CFPB and NCUA rules; Examination fairness for credit unions; Financial Institutions Examination Fairness and Reform Act (S. 727); Financial Institutions Examination Fairness and Reform Act (H.R. 1553); Supplemental capital for credit unions; Capital Access for Small Businesses and Jobs Act (H.R. 719); NCUA authorization to further establish special capital requirements for newly chartered federal credit unions that recognize the unique nature and challenges of starting a new credit union; Changes to outdated corporate governance provisions in the Federal Credit Union Act; Improvements to field of membership restrictions for credit unions that face expanding criteria for defining urban and rural; Allowing voluntary mergers involving multiple common bond credit unions and allowing credit unions that convert to community charters to retain their current select employee groups; Allowing all credit unions to add underserved areas to their field of membership; Credit union member business lending; Credit Union Small Business Jobs Creation Act (H.R. 688); Small Business Lending Enhancement Act of 2013 (S. 968); Credit Union Residential Loan Parity Act (H.R. 4226); Flexibility with credit union investment authority; NCUA flexibility in handling credit union lending and maturities for certain loans; Share insurance coverage for Interest on Lawyers Trust Accounts (IOLTAs); Credit Union Share Insurance Fund Parity Act (H.R. 3468); Annual privacy notices requirements for financial institutions; Eliminate Privacy Notice Confusion Act (H.R. 749);Privacy Notice Modernization Act (S. 635); Data security standards to address breaches at the hands of merchants; Cyber security; Data Security and Breach Notification Act (S. 1193); Data Security Act. (S. 1927); Data Security and Breach Notification Act. (S. 1976); Personal Data Privacy and Security Act. (S. 1897); Personal Data Protection and Breach Accountability Act. (S. 1995); Mortgage Choice Act (H.R. 3211); Consumer Mortgage Choice Act (H.R. 1077); Consumer Mortgage Choice Act (S.949); Mortgage Choice Act (S. 1577); Bureau Advisory Commission Transparency Act (H.R. 4262); Financial Stability Oversight Council Transparency and Accountability Act (H.R. 4387); Bureau Research Transparency Act (H.R. 4539);Bureau Examination Fairness Act (H.R. 4804); Portfolio Lending and Mortgage Access Act (H.R. 2673); Community Institution Mortgage Relief Act (H.R. 4521); Financial Regulatory Clarity Act (H.R. 4466);Consumer Financial Protection Bureau Rural Designation Petition and Correction Act (H.R. 2672); HELP Rural Communities Act (S.1916);Patent Reform; Patent demand letters; Patent Quality Improvement Act (S.866); Patent Abuse Reduction Act of 2013 (S.1013); Patent Litigation Integrity Act of 2013(S.1612); Patent Transparency and Improvements Act of 2013 (S.1720); Transparency in Assertion of Patents Act (S.2049); Patent Litigation and Innovation Act of 2013 (H.R.2639);Innovation Act (H.R. 3309); Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act (H.R. 4874); Housing Finance Reform; Policy decisions impacting the future of Fannie Mae and Freddie Mac; Housing Finance Reform and Taxpayer Protection Act of 2013 (S. 1217); Protecting American Taxpayers and Homeowners Act of 2013 (H.R. 2767); Johnson-Crapo housing finance reform discussion draft; Retention of the credit union tax exemption; Tax Reform Act of 2014 discussion draft; Tax extenders; Debit interchange fees; Federal Reserves rule liming the fees that financial institutions can charge merchants for processing debit card transactions; Student lending; Asset thresholds in the Dodd-Frank Act; Asset threshold for CFPB examination; Defense Base Closure and Realignment Commission (BRAC); Servicemembers Civil Relief Act (SCRA); The Military Lending Act; To amend the Servicemembers Civil Relief Act to provide surviving spouses with certain protections relating to mortgages and mortgage foreclosures, and for other purposes (H.R. 821); Fairness for Military Homeowners Act of 2013 (H.R. 1223); Military Savings Act of 2013 (S. 1741); Military Family Home Protection Act (H.R. 1842); Carl Levin National Defense Authorization Act for Fiscal Year 2015 (S. 2410); Howard P. "Buck" McKeon National Defense Authorization Act for Fiscal Year 2015 (H.R. 4435).

See addendum.S. 451, the Dodd-Frank Wall Street Reform and Consumer Protection Technical Corrections Act of 2013 (all provisions) S. 673, the Protecting Consumers from Unreasonable Credit Rates Act of 2013 (all provisions to set an interest rate and fee cap of 36 percent for consumer credit transactions) H.R. 688, the Credit Union Small Business Jobs Creation Act (all provisions) H.R. 1261, the Overdraft Protection 5 Act of 2013 (all provisions) H.R. 3468, a bill to amend the Federal Credit Union Act to extend insurance coverage to amounts held in a member account on behalf of another person, and for other purposes H.R. 4252, Mutual Bank Choice and Continuity Act of 2014 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 H.R. 4060, Systemic Risk Designation Improvement Act of 2014 H.R. 4042, Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014 S. 1916, HELP Rural Communities Act of 2014 S. 1903, Prepaid Card Disclosure Act of 2014

Client expense: $1,960,000 · Firm income: Not reported

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

HR 688 Credit Union Small Business Job Creation Act of 2013 HR 719 Capital Access for Small Businesses and Jobs Act HR 749 Eliminate Privacy Notice Confusion Act HR 797 Municipal Adviser Oversight Improvement Act of 2013HR 801 The Holding Company Restriction Threshold Equalization Act HR 892 The S Corporation Modernization Act HR 1062 SEC Regulatory Accountability Act HR 1603 The Mutual Community Bank Competitive Equality Act HR 1750 The Community Lending Enhancement and Regulatory Relief Act HR 2199 Flood Insurance HR 2266 The Subsidy Reserve Act (All provisions) HR 2402 The Consumer Financial Protection Commission Act HR 2446 The Responsible Consumer Financial Protection Regulations Act HR 2542 The Regulatory Flexibility Improvements Act of 2013 HR 2672 The CFPB Rural Designation Petition and Correction Act HR 2673 The Portfolio Lending and Mortgage Access Act of 2013 HR 2767 The Protecting American Taxpayers Homeowners Act HR 3193 The Consumer Financial Protection Safety and Soundness Improvement Act HR 3329 To Enhance the Ability of Community Financial Institutions to Foster Economic Growth HR 3370 Homeowner Flood Insurance Affordability Act of 2014 HR 3389 CFPB Slush Fund Elimination Act of 2013 HR 3474 Expiring Provisions Improvement Act HR 3770 CFPB - IG Act of 2013 HR 3819 Fairness for Community Job Creators Act HR 4042 Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014 HR 4167 Restoring Proven Financing for American Employers Act HR 4252 Mutual Bank Choice and Continuity Act of 2014 HR 4383 Bureau of Consumer Financial Protection Small Business Advisory Board Act (All provisions) HR 4466 Financial Regulatory Clarity Act HR 4521 Community Institution Mortgage Relief Act HR 4539 The Bureau Research Transparency Act (All) HR 4660 CJS Appropriations Act Amendment HR4662 The Bureau Advisory Opinion Act HR 4684 The Bureau Guidance Transparency Act (All) HR 4986 End Operation Choke Point Act of 2014 S 635 Privacy Notice Modernization Act S 727 The Financial Institutions Examination Fairness and Reform Act S 1217 Housing Finance Reform and Taxpayer Protection Act S 1349 The Community Lending Enhancement and Regulatory Relief Act S 1907 Fairness for Community Job Creators Act S 1916 HELP Rural Communities Act of 2014 S 1927 Data Secuity Act of 2014 S 2252 Community Bank Preservation Act Access to Capital for Community Banks Bank Deposit Account Disclosures Call Report Changes Capital Requirements/Regulations/Basel III Rules CFPB eRegulations Tool CFPB Reforms Credit Union Business Lending Powers Credit Union Tax Exemption Cybersecurity Data Security and Breaches DeNovo Bank Applications Department of Justice Operation Chokepoint Federal Reserve Vacancy Flood Insurance Reform Implementation of Bigger-Waters ActHome Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Housing Government Sponsored Enterprises Mortgage Escrow Requirements Mortgage Lending Reform Mortgage Loan Origination Standards Mortgage Servicing Standards National Flood Insurance Program Reauthorization Patent Litigation Reform Postal Reform-provision of banking services Qualified Mortgages, Ability to Repay Rules Qualified Residential Mortgages/Risk Retention Regulation Z Establishment of Escrow - Higher Priced Loans Regulatory and Tax Relief for Community Banks

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 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 the Section 502 loan program and multifamily rental housing. Discussions with the Department of Veterans Affairs (VA) on the VA Home Loan Guarantee program.

Client expense: $7,120,000 · Firm income: Not reported

HR 688 Credit Union Small Business Job Creation Act of 2013 HR 719 Capital Access for Small Businesses and Jobs Act HR 749 Eliminate Privacy Notice Confusion Act HR 797 Municipal Adviser Oversight Improvement Act of 2013HR 801 The Holding Company Restriction Threshold Equalization Act HR 892 The S Corporation Modernization Act HR 1062 SEC Regulatory Accountability Act HR 1603 The Mutual Community Bank Competitive Equality Act HR 1750 The Community Lending Enhancement and Regulatory Relief Act HR 2199 Flood Insurance HR 2402 The Consumer Financial Protection Commission Act HR 2446 The Responsible Consumer Financial Protection Regulations Act HR 2542 The Regulatory Flexibility Improvements Act of 2013 HR 2672 The CFPB Rural Designation Petition and Correction Act HR 2673 The Portfolio Lending and Mortgage Access Act of 2013 HR 2767 The Protecting American Taxpayers Homeowners Act HR 3193 The Consumer Financial Protection Safety and Soundness Improvement Act HR 3370 Homeowner Flood Insurance Affordability Act of 2014 HR 3696 The National Cybersecurity and Critical Infrastructure Protection Act HR 3819 Fairness for Community Job Creators Act HR 4167 Restoring Proven Financing for American Employers Act S 635 Privacy Notice Modernization Act S 710 Municipal Adviser Relief Act S 727 The Financial Institutions Examination Fairness and Reform Act S 996 Flood Insurance S 1217 Housing Finance Reform and Taxpayer Protection S 1349 The Community Lending Enhancement and Regulatory Relief Act S 1907 Fairness for Community Job Creators Act S 1916 HELP Rural Communities Act of 2014 S 1927 Data Secuity Act of 2014 Bank Examinations Call Report Changes Capital Requirements/Regulations/Basel III Rules CFPB Reforms Credit Union Business Lending Powers Credit Union Tax Exemption Cybersecurity Data Security and Breaches DeNovo Bank Applications Federal Reserve Vacancy FHA Loan Programs Flood Insurance Reform Implementation of Bigger-Waters Act GAO Study of Too Big To Fail GSE Conforming Loan Limits Housing Finance Reform Housing Government Sponsored Enterprises Mortgage Escrow Requirements Mortgage Lending Reform Mortgage Loan Origination Standards Mortgage Servicing Standards National Flood Insurance Program Reauthorization Nomination of Janet Yellen as Chairman, Federal Reserve Board Patent Litigation Reform Postal Reform-provision of banking services Qualified Mortgages, Ability to Repay Rules Qualified Residential Mortgages/Risk Retention Regulation Z Establishment of Escrow - Higher Priced LoansRegulatory and Tax Relief for Community Banks Systemic Risk Regulation Volcker Rule Treatment of CDO and CLO Investments

See AddendumS. 451, the Dodd-Frank Wall Street Reform and Consumer Protection Technical Corrections Act of 2013 (all provisions) S. 673, the Protecting Consumers from Unreasonable Credit Rates Act of 2013 (all provisions to set an interest rate and fee cap of 36 percent for consumer credit transactions) H.R. 688, the Credit Union Small Business Jobs Creation Act (all provisions) H.R. 1261, the Overdraft Protection 5 Act of 2013 (all provisions) H.R. 3468, a bill to amend the Federal Credit Union Act to extend insurance coverage to amounts held in a member account on behalf of another person, and for other purposes H.R. 4252: Mutual Bank Choice and Continuity Act of 2014 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. H.R. 4060: Systemic Risk Designation Improvement Act of 2014 H.R. 4042: Community Bank Mortgage Servicing Asset Capital Requirements Study Act of 2014 S. 1916: HELP Rural Communities Act of 2014 S. 1903: Prepaid Card Disclosure Act of 2014

Client expense: $1,730,000 · Firm income: Not reported

HR 688 Credit Union Small Business Job Creation Act of 2013 HR 719 Capital Access for Small Businesses and Jobs Act HR 749 Eliminate Privacy Notice Confusion Act HR 797 Municipal Adviser Oversight Improvement Act of 2013HR 801 The Holding Company Restriction Threshold Equalization Act HR 892 The S Corporation Modernization Act HR 1062 SEC Regulatory Accountability Act HR 1603 The Mutual Community Bank Competitive Equality Act HR 1750 The Community Lending Enhancement and Regulatory Relief Act HR 2199 Flood Insurance HR 2402 The Consumer Financial Protection Commission Act HR 2446 The Responsible Consumer Financial Protection Regulations Act HR 2542 The Regulatory Flexibility Improvements Act of 2013 HR 2672 The CFPB Rural Designation Petition and Correction Act HR 2673 The Portfolio Lending and Mortgage Access Act of 2013 HR 2767 The Protecting American Taxpayers Homeowners Act HR 3193 The Consumer Financial Protection Safety and Soundness Improvement Act HR 3370 Homeowner Flood Insurance Affordability Act of 2014 HR 3696 The National Cybersecurity and Critical Infrastructure Protection Act HR 4167 Restoring Proven Financing for American Employers Act S 635 Privacy Notice Modernization Act S 710 Municipal Adviser Relief Act S 727 The Financial Institutions Examination Fairness and Reform Act S 996 Flood Insurance S 1217 Housing Finance Reform and Taxpayer Protection S 1349 The Community Lending Enhancement and Regulatory Relief Act S 1907 Fairness for Community Job Creators Act S 1916 HELP Rural Communities Act of 2014 S 1927 Data Secuity Act of 2014 Bank Examinations Capital Requirements/Regulations/Basel III Rules CFPB Reforms Credit Union Business Lending Powers Credit Union Tax Exemption Cybersecurity Data Security and Breaches DeNovo Bank Applications FHA Loan Programs Flood Insurance Reform Implementation of Bigger-Waters Act GAO Study of Too Big To Fail GSE Conforming Loan Limits Housing Finance Reform Housing Government Sponsored Enterprises Mortgage Escrow Requirements Mortgage Lending Reform Mortgage Loan Origination Standards Mortgage Servicing Standards National Flood Insurance Program Reauthorization Nomination of Janet Yellen as Chairman, Federal Reserve Board Patent Litigation Reform Qualified Mortgages, Ability to Repay Rules Qualified Residential Mortgages/Risk Retention Regulation Z Establishment of Escrow - Higher Priced Loans Regulatory and Tax Relief for Community Banks Volcker Rule Treatment of CDO and CLO Investments