A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act.

The Insurance Capital Standards Clarification Act of 2014, S.2270, H.R.4510, H.R.5461, S.2102.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 2102- A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, S. 1369- A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes, S. 2270- Insurance Capital Standards Clarification Act of 2014, H.R. 4510- Insurance Capital Standards Clarification Act of 2014

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 508, Strengthen and Vitalize Enforcement of Child Support (SAVE Child Support) Act- A bill to amend part D of title IV of the Social Security Act to improve the enforcement, collection, and administration of child support payments, and for other purposes.(Sec. 5 & Sec. 6) H.R. 960, Flood Victim Premium Relief Act of 2013- To amend the National Flood Insurance Act of 1968 to provide relief from increased flood insurance premium rates for homes in disaster areas. (entire bill) H.R. 1268, Flood Mitigation Expense Relief Act of 2013- To amend the Internal Revenue Code of 1986 to provide a credit for qualified flood mitigation expenses incurred with respect to certain residences for which the chargeable premium rate under the national flood insurance program is increasing and to provide increased funding for mitigation programs. (entire bill) H.R. 1267, Flood Insurance Premium Relief Act of 2013- To delay and phase-in increases in flood insurance premium rates under the national flood insurance program for certain properties, and for other purposes. (entire bill) H.R. 737, Homeowners' Defense Act of 2013- To establish a national catastrophic risk consortium to ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. (entire bill) H.R. 605, Insurance Consumer Protection and Solvency Act of 2013- To exclude insurance companies from the Federal Depository Insurance Corporation's "orderly liquidation authority". (entire bill) H.R. 508, Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013- To extend the Terrorism Risk Insurance Program for five years. (entire bill) S. 534/HR 1064, National Association of Registered Agents and Brokers Reform Act of 2013- A bill to reform the National Association of Registered Agents and Brokers, and for other purposes. (entire bill) H.R. 2129, Defense Base Act Insurance Improvement Act of 2013- To amend the Defense Base Act to require the provision of insurance under that Act under a Government self-insurance program, and to require an implementation strategy for such self-insurance program. (entire bill) H.R. 1945, Fostering Resilience to Terrorism Act of 2013- To extend the Terrorism Risk Insurance Program of the Department of the Treasury for 10 years, and for other purposes. (entire bill) H.R. 2146, Terrorism Risk Insurance Program Reauthorization Act of 2013- To extend the Terrorism Risk Insurance Program of the Department of the Treasury for 10 years. (entire bill) S. 1098, Responsible Implementation of Flood Insurance Reform Act of 2013- A bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership. (entire bill) H.R.3693, Flood Insurance Relief and Transparency Act of 2013- To clarify the application of the Biggert-Waters Flood Insurance Reform Act of 2012 to premium rates for certain properties, and for other purposes. (entire bill) S.1610/ H.R.3370, Homeowner Flood Insurance Affordability Act of 2013- A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes. (entire bill) S.1846, Homeowner Flood Insurance Affordability Act of 2013- A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes. (entire bill) H.R.3511, Keeping Flood Insurance Affordable Act of 2013- To delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes. (entire bill) S.2244, Terrorism Risk Insurance Program Reauthorization Act of 2014- To extend the termination date of the Terrorism Insurance Program established under the Terrorism Risk Insurance Act of 2002, and for other purposes. (entire bill) S.1926, Homeowner Flood Insurance Affordability Act of 2014; National Association of Registered Agents and Brokers Reform Act of 2014- A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (entire bill) H.R.4669, Servicemembers Insurance Relief Act of 2014- To allow servicemembers to maintain their domicile for auto insurance purposes. (entire bill) H.R.4510/ S.2102, Insurance Capital Standards Clarification Act of 2014- To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. (entire bill) H.R.4558/ S. 2381, Flood Insurance Market Parity and Modernization Act of 2014- To clarify the authority of States to regulate private flood insurance coverage. (entire bill) H.R.4871, TRIA Reform Act of 2014- To reauthorize the Terrorism Risk Insurance Act of 2002, and for other purposes. (entire bill) H.R.4557, Policyholder Protection Act of 2014- To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. (entire bill) H.R. ___, Risk Retention Modernization Act of 2014 (House Discussion Draft)- To modernize the Liability Risk Retention Act of 1986 and expand types of commercial insurance authorized, and for other purposes. (entire bill) H.R. ___, Insurance Data Protection Act of 2014 (House Discussion Draft)- To clarify the responsibilities and treatment of data by the Federal Insurance Office of the Department of the Treasury. (entire bill) Issues related to the imposition of capital standards to non-banks Issues related to the implementation of Dodd-Frank Act (PL 111-203), the provision which may impact insurance regulation Implementation of Biggert-Waters Flood Insurance Act of 2012 Issues related to the Federal Insurance Office's report on insurance regulatory modernization. Issues related to the Systemic Risk Designation process pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act.

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

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

Systemic Risk, Dodd-Frank Wall Street Reform and Consumer Protection Act Implementation, S. 2102- A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, S. 1369- A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes, S. 2270- Insurance Capital Standards Clarification Act of 2014, H.R. 4510- Insurance Capital Standards Clarification Act of 2014, H.R. 4510- Insurance Capital Standards Clarification Act of 2014, H.R. 4510- Insurance Capital Standards Clarification Act of 2014

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 1155: National Association of Registered Agents and Brokers Reform Act of 2013 - Amends the Gramm-Leach-Bliley Act to repeal the contingent conditions under which the National Association of Registered Agents and Brokers (NARAB) shall not be established. Reestablishes the NARAB without contingent conditions as a nonprofit corporation to prescribe, on a multi-state basis, licensing and insurance producer qualification requirements and conditions.HR 508: TRIA Reauthorization Act of 2013 - Amends the Terrorism Risk Insurance Act of 2002 to extend the Terrorism Insurance Program until December 31, 2019 (under current law the Program expires on December 31, 2014). HR 1945: Fostering Resilience to Terrorism Act of 2013 - Amends the Terrorism Risk Insurance Act of 2002 to revise the definition of an "act of terrorism" to mean any act that is certified as meeting the specified criteria for such n act by the Secretary of Homeland Security (DHS), in concurrence with the Secretary of the Treasury (currently, by the Secretary of the Treasury in concurrence with the Secretary of State). Extends the Terrorism Insurance Program until December 31, 2024 (under current law, the Program expires on December 31, 2014). HR 2140: Insurance Capital and Accounting Standards Act of 2013 - Amends the Dodd-Frank Wall Street Reform and Consumer protection Act (Dodd-Frank) and the Home Owners' loan Act to make minimum leverage and risk-based capital requirements governing insurance companies under the state law also apply to insurance companies that are either depository holding companies or subsidiaries of depository holding companies. HR 2146: Terrorism Risk insurance program Reauthoriation Act of 2013 - Amends the Terrorism Risk insurance Act of 2002 to extend from December 31, 2014, through December 31, 2024, the Terrorism Risk insurance program. Extends to September 30, 2027, the deadline by which the Secretary of the Treasury is required to collect all mandatory premiums for any act of terrorism occuring on or after January 1, 2012. HR 4510: Insurance Capital Standards Clarification Act of 2014 - Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) concerning establishment of minimum leverage and minimum risk-based capital requirements on a consolidated basis for a depository institution holding company or a nonbank financial company supervised by the Board of Governors of the Federal Reserve System. H.R. 5623 Living Donor Protection Act: the bill is designed to "to promote organ donation and protect the rights of living organ donors" by prohibiting life, disability and long term care companies from denying coverage, limiting coverage or charging higher premiums for organ donors. S 534: National Association of Registered Agents and Brokers Reform Act of 2013 - Amends the Gramm-Leach-Bliley Act to repeal the contingent conditions under which the National Association of Registered Agents and Brokers (NARAB) shall not be established. Reestablishes the NARAB without contingent conditions as a nonprofit corporation to prescribe, on a multi-state basis, licensing and insurance producer qualification requirements and conditions. S1369: Additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance. S.1926: A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. S.2102: A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. S.2270: Insurance Capital Standards Clarification Act of 2014 - Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) concerning establishment of minimum leverage and minimum risk-based capital requirements on a consolidated basis for a depository institution holding company or a nonbank financial company supervised by the Board of Governors of the Federal Reserve System. H.R.5461: To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction

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

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

H.R. 2295-International Insurance Issues, H.R. 2402-Consumer Financial Protection Bureau, H.R. 4387-Transparency & Accountability Act, H.R. 4881-Financial Stability Oversight Council, H.R. 5016-Appropriations, S. 1173-Dodd-Frank Act, S. 2102-Dodd-Frank

Client expense: $1,170,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

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 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.

Client expense: $2,418,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Financial regulatory reform issues including implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 466 - Social Security Death Master File Privacy Act of 2013 - all provisions H.J. Res. 59 - Continuing Appropriations Resolution, 2014 - Social Security Death Master File Provisions H.R.776 - Security in Bonding 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 S. 2270- Insurance Capital Standards Clarification Act of 2014 H.R. 4510- Insurance Capital Standards Clarification Act of 2014 H.R. 5461- To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes. H.R. 5260- Stop Disability Fraud Act of 2014 H.R. 647- ABLE Act of 2014

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

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

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. H.AMDT.64 to H.R. 1062, Amendment expresses the sense of Congress that rules adopted by the Public Company Accounting Oversight Board (PCAOB) comply with the same standards required of the SEC. It also requires the SEC to ensure that any rules adopted by the Municipal Securities Rulemaking Board (MSRB), and other national securities associations comply with the standards set forth in the bill. Issue: FINRA, Securities Rulemaking Draft H.AMDT to HR 2610, Transportation, Housing & Urban Development Appropriations, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. H.R._____, Draft legislation on the development of global insurance standards. Issue: global insurance standards. H.Res.735 - Expressing the sense of the House of Representatives that recently proposed measures that will reduce transparency and public participation at the International Association of Insurance Supervisors (IAIS) should be disapproved by United States representatives to the IAIS. Issue: global insurance standards. H.R. 749 - Eliminate Privacy Notice Confusion Act. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, and (2) has not changed its policies and practices with regard to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers. Issue: privacy H.R. 1062, SEC Regulatory Accountability Act. Issue: SEC Rulemaking, Cost-Benefit Analysis, Derivatives H.R. 2140, the Insurance Capital and Accounting Standards Act of 2013. Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) and the Home Owners' Loan Act to make minimum leverage and risk-based capital requirements governing insurance companies under the state law also apply to insurance companies that are either depository holding companies or subsidiaries of depository holding companies. Issue: Capital Standards, Basel III H.R. 2374, the Retail Investor Protection Act. To amend the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. Issue: Fiduciary Duties H.R 2547, the Determination of Appropriate Risk-Based Capital Requirements for Community Financial Institutions Act of 2013. To determine appropriate risk based capital requirements for community, mid-size, and regional institutions. Issue: Capital Standards for Community Banks H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 to prohibit Fannie Mae and Freddie Mac from purchasing, the FHA from insuring, and the Department of Agriculture from guaranteeing, making, or insuring, a mortgage that is secured by a residence or residential structure located in a county in which the State has used the power of eminent domain to take a residential mortgage. Issue: Mortgage Investments H.R. 2767, the Protect American Taxpayers & Homeowners (PATH) Act. Issue: Mortgage Investments and Government Sponsored Enterprises/Federal Home Loan Banks H.R. 4510 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 4557 - Policyholder Protection Act of 2014. To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. Issue: Source of strength Provision in H.R. 4745, Transportation, Housing & Urban Development Appropriations, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. H.R. 4881, a bill to place a 6-month moratorium on the authority of the Financial Stability Oversight Council to make financial stability determinations. Issue: Global insurance standards. H.R. 5016 - Financial Services and General Government Appropriations Act, 2015. Making appropriations for financial services and general government for the fiscal year ending September 30, 2015, and for other purposes. Issue: Global insurance standards H.R. 5018 - Federal Reserve Accountability and Transparency Act of 2014. This bill amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System. Issue: global insurance standards. H.R. 5421 - Financial Institution Bankruptcy Act of 2014. To amend title 11 of the United States Code in order to facilitate the resolution of an insolvent financial institution in bankruptcy. Issue: early termination rights. S.Res. 561 - A resolution expressing the sense of the Senate that recently proposed measures that will reduce transparency and public participation at the International Association of Insurance Supervisors (IAIS) should be disapproved by United States representatives to the IAIS. Issue: global insurance standards. S. 635 - Privacy Notice Modernization Act of 2013. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual written privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, (2) has not changed its policies and practices with respect to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers, and (3) otherwise provides customers access to such most recent disclosure in electronic or other form permitted by specified regulations. Issue: privacy S. 731, the Basel III CASE Act. Directs the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency, before issuing any final rule in relation to proposals they have issued for the International Basel III agreement on general risk-based capital requirements, to conduct an empirical study that includes: (1) a quantitative analysis of the rule's impact on the U.S. financial services sector, specifically community, mid-size, and regional financial institutions; and (2) a determination of the long-term impact of the rule, including changes to the current risk weight framework. Issue: Capital Standards for Community Banks S. 798, TBTF Act. Requires federal banking agencies to establish capital requirements for the ratio of equity capital to total consolidated assets for all financial institutions. Issue: Capital Standards S. 1217- Housing Finance Reform and Taxpayer Protection Act of 2013. Authorizes the Federal Mortgage Insurance Corporation to provide insurance to any covered security regardless of whether it has satisfied credit-risk sharing requirements if unusual and exigent circumstances have created an anomalous lack of mortgage credit availability. Issue: Government Sponsored Enterprises. Senate ADMT to S. 1217-Housing Finance Reform and Taxpayer Protection Act of 2014. To provide for prohibitions relating to the use of the power of eminent domain. Issue: Mortgage Investments S. 1369, a bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance. Issue: Capital Standards S. 2102, a bill to clarify the application of certain leverage and risk based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Capital Standards. S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Draft Senate bill on Financial Services and General Government Appropriations Act, 2015. Making appropriations for financial services and general government for the fiscal year ending September 30, 2015, and for other purposes. Issue: Global insurance standards Margin and capital requirements for covered swap entities proposed rule. Issue: eligible collateral. No bill number assigned. Issue: Federal Housing Finance Agency proposed rule on federal home loan bank membership. No bill number assigned. Issue: Holocaust era insurance policy claims. No bill number assigned. Issue: Covered agreements on prudential measurers with respect to the business of insurance and reinsurance. No bill number assigned. Tracking: H.R. 634, the Business Risk Mitigation and Price Stabilization Act of 2013. Issue: Derivatives, DFA Title VII

Client expense: $1,440,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Dodd--Frank Act as relates to non-bank SIFI designation, S 1369, S 2102; S. 2270; HR 4510; capital standards as they relate in insurance.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Dodd--Frank Act as relates to non-bank SIFI designation, S 1369, S 2102; S. 2270; HR 4510; capital standards as they relate in insurance.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 508, TRIA Reauthorization Act of 2013, extends current law program through 12/31/19 H.R. 2146, Terrorism Risk insurance program Reauthorization Act of 2013, extends program through 12/31/24 and makes other changesH.R. 1945 Fostering Resilience to Terrorism Act of 2013, extends the program through 12/31/24 and amends the definition of an act of terrorism H.R. 1798 Dental Insurance Fairness Act of 2013, amends ERISA to prescribe certain health care coverage value requirements for dental benefits under self-insured group health plans S. 2270, Insurance Capital Standards Clarification 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. 4510, Insurance Capital Standards Clarification Act of 2014

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HR 2140 - Insurance Capital & Accounting Standards Act - Provisions exempting insurers from Dodd-Frank Act capital requirements S 1369/S 2102 - Provide flexibility to the Fed to establish capital standards for insurers - provisions exempting insurers from Dodd-Frank Act capital requirements. HR 4510/S 2270 - The Insurance Clarification Capital Standards Act -provisions exempting insurers from Dodd-Frank capital req

Client expense: $141,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues relating to insurance regulatory reform and agent compensation; H.R. 1155, S. 534, S. 650, H.R. 2328, S. 2175, S. 2173, S. 1926, H.R. 4871, S.2244. Issues related to the implementation of the Dodd-Frank Wall Street Reform Act of 2010; H.R. 1627, H.R. 2374, H.R. 797, H.R. 4510, H.R. 5461, S. 2102, S. 2270. Issues related to the implementation of of the Patient Protection and Affordable Care Act; H.R. 544, H.R. 2995, H.R. 2575, S. 1926, S. 1188, H.R. 4418, H.R. 3522, S. 2808. Issues related to terrorism risk insurance; H.R. 508, H.R. 2146, H.R. 4871, S. 2244. Issues related to flood risk insurance; H.R. 3370, S. 1846, S. 1926. Issues related to the regulation of insurance competition, products with guarantees, individual and employer owned policies, and fiduciary-client relationships; H.R. 2374. Issues related to capital standards for insurance providers; H.R. 4510, H.R. 5461, S. 2102. S. 2270.

Client expense: $708,090 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Issues related to implementation of Dodd-Frank Wall Street Reform Act of 2010; H.R. 1627, H.R. 797, H.R. 5461, S. 2102, S. 2270, H.R. 4510, H.R. 2374. Issues related to regulation of certain employee benefit plan sponsors/participants and IRA holders under ERISA; H.R. 2117, S.1270. Issues related to investment advice provided by municipal advisors; H.R. 797. Issues related to consumer compensation in cases of investment fraud; H.R. 3482, S. 1725. Issues related to capital standards for insurance providers; H.R. 5461, S. 2102, S. 2270, H.R. 4510.

Client expense: $708,090 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Issues relating to the process and protocol of the federal regulatory system; H.R. 2804. Issues related to capital standards for insurance providers; H.R. 5461, S. 2102, S. 2270, H.R. 4510.

Client expense: $708,090 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

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

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Optional Federal Charter (Generally) Cyber Insurance (Generally) H.R. 1155 National Association of Registered Agents and Brokers Act (All provisions) S. 534 National Association of Registered Agents and Brokers Act (All provisions) H.R. 240 Homeowners Insurance Protection Act (All provisions) H.R. 508 TRIA Authorization Act (All provisions) H.R. 549 Homeowners Catastrophe Protection Act (All provisions) P.L. 112-141 Flood Insurance Reform Act of 2012 (Implementation) H.R. 737 Homeowners Defense Act (All provisions) H.R. 2374 Retail Protection Investor Act (All provisions) H.R. 1878, S. 905 Safe Building Codes Incentive Act (All provisions) H.R. 1194 National Flood Insurance Program Termination Act (All provisions) H.R. 1945 Fostering Resilience to Terrorism Act (All provisions) H.R. 2146 Terrorism Risk Insurance Program Reauthorization Act of 2013 (All provisions) S. 1369 A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of insurance, and for other purposes (No official title yet). (All provisions) S. 2137 Second Home Refund Prohibition Act (All provisions) 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 (All provisions) H.R. 4510 Insurance Capital Standards Clarification Act (All provisions) S. 2270 Insurance Capital Standards Clarification Act (All provisions) H.R. 4669 Servicemembers Insurance Relief Act (All provisions) P.L. 113-89 Homeowner Flood Insurance Affordability Act of 2014 (All provisions) Draft: Insurance Data Protection Act (All provisions) Draft: Risk Retention Modernization Act of 2014 (All provisions) H.R. 4745 Transportation, Housing, and Urban Development & Related Agencies Appropriations Act of 2015 (Insurance provisions) H.R. 5471 The TRIA Reform Act of 2014 (All provisions) H.R. 4871 The TRIA Reform Act of 2014 (All provisions) S. 2244 Terrorism Risk Insurance Program Reauthorization Act of 2014 (All provisions) H.R. 4557 Policy Holder Protection Act (All provisions) S. 2726 Captive Insurers Clarification Act (All provisions) H.R. 5388 Captive Insurers Clarification Act (All provisions) H.R. 5780 Financial Stability Oversight Council Improvement (All provisions) H.R. 5067 To require the FIO to carry out a study on illegal steering and redlining in the insurance industry (All provisions) H.R. 5461 To clarify the application of certain leverage and risk-based requirements of Dodd-Frank (Insurance provisions) S. Res 561 and H. Res 735 Disapproving of the IIAS Measure to Reduce Transparency & Public Participation in IAIS Meetings

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

Government targets: Agriculture, Dept of (USDA), Federal Emergency Management Agency (FEMA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

FIN - Third Quarter Report - 2014 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. H.R. 749 - Eliminate Privacy Notice Confusion Act. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, and (2) has not changed its policies and practices with regard to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers. Issue: privacy H.R. 1062, SEC Regulatory Accountability Act. Issue: SEC Rulemaking, Cost-Benefit Analysis, Derivatives H.AMDT.64 to H.R. 1062, Amendment expresses the sense of Congress that rules adopted by the Public Company Accounting Oversight Board (PCAOB) comply with the same standards required of the SEC. It also requires the SEC to ensure that any rules adopted by the Municipal Securities Rulemaking Board (MSRB), and other national securities associations comply with the standards set forth in the bill. Issue: FINRA, Securities Rulemaking H.R. 1564, the Audit Integrity and Job Protection Act. Amends the Sarbanes-Oxley Act of 2002 (SOX) to deny the Public Company Accounting Oversight Board any authority to require that audits conducted for a particular issuer of securities in accordance with SOX standards be conducted by specific auditors, or that such audits be conducted for an issuer by different auditors on a rotating basis. Issue: Mandatory Auditor Rotation H.R. 2140, the Insurance Capital and Accounting Standards Act of 2013. Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) and the Home Owners' Loan Act to make minimum leverage and risk-based capital requirements governing insurance companies under the state law also apply to insurance companies that are either depository holding companies or subsidiaries of depository holding companies. Issue: Capital Standards, Basel III H.R. 2374, the Retail Investor Protection Act. To amend the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. Issue: Fiduciary Duties H.R. 2547, the Determination of Appropriate Risk-Based Capital Requirements for Community Financial Institutions Act of 2013. To determine appropriate risk based capital requirements for community, mid-size, and regional institutions. Issue: Capital Standards for Community Banks H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 to prohibit Fannie Mae and Freddie Mac from purchasing, the FHA from insuring, and the Department of Agriculture from guaranteeing, making, or insuring, a mortgage that is secured by a residence or residential structure located in a county in which the State has used the power of eminent domain to take a residential mortgage. Issue: Mortgage Investments H.R. 2767, the Protect American Taxpayers & Homeowners (PATH) Act. Issue: Mortgage Investments and Government Sponsored Enterprises/Federal Home Loan Banks H.R. 4510 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III H.R. 4557 - Policyholder Protection Act of 2014. To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. Issue: Source of strength Provision in H.R. 4745, Transportation, Housing & Urban Development Appropriations, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. H.R. 4881, a bill to place a 6-month moratorium on the authority of the Financial Stability Oversight Council to make financial stability determinations. Issue: Global insurance standards. H.R. 5016 - Financial Services and General Government Appropriations Act, 2015. Making appropriations for financial services and general government for the fiscal year ending September 30, 2015, and for other purposes. Issue: Global insurance standards H.R. 5018 - Federal Reserve Accountability and Transparency Act of 2014. This bill amends the Federal Reserve Act to establish requirements for policy rules and blackout periods of the Federal Open Market Committee, to establish requirements for certain activities of the Board of Governors of the Federal Reserve System. Issue: global insurance standards. H.R. 5421 - Financial Institution Bankruptcy Act of 2014. To amend title 11 of the United States Code in order to facilitate the resolution of an insolvent financial institution in bankruptcy. Issue: early termination rights. Draft H.AMDT to HR 2610, Transportation, Housing & Urban Development Appropriations, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. H.Res.735 - Expressing the sense of the House of Representatives that recently proposed measures that will reduce transparency and public participation at the International Association of Insurance Supervisors (IAIS) should be disapproved by United States representatives to the IAIS. Issue: global insurance standards. H.R._____, Draft legislation on the development of global insurance standards. Issue: global insurance standards. S. 635 - Privacy Notice Modernization Act of 2013. This bill amends the Gramm-Leach-Bliley Act to exempt from its annual written privacy policy notice requirement any financial institution which: (1) provides nonpublic personal information only in accordance with specified requirements, (2) has not changed its policies and practices with respect to disclosing nonpublic personal information from those disclosed in the most recent disclosure sent to consumers, and (3) otherwise provides customers access to such most recent disclosure in electronic or other form permitted by specified regulations. Issue: privacy S. 731, the Basel III CASE Act. Directs the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency, before issuing any final rule in relation to proposals they have issued for the International Basel III agreement on general risk-based capital requirements, to conduct an empirical study that includes: (1) a quantitative analysis of the rule's impact on the U.S. financial services sector, specifically community, mid-size, and regional financial institutions; and (2) a determination of the long-term impact of the rule, including changes to the current risk weight framework. Issue: Capital Standards for Community Banks S. 798, TBTF Act. Requires federal banking agencies to establish capital requirements for the ratio of equity capital to total consolidated assets for all financial institutions. Issue: Capital Standards S. 1217- Housing Finance Reform and Taxpayer Protection Act of 2013. Authorizes the Federal Mortgage Insurance Corporation to provide insurance to any covered security regardless of whether it has satisfied credit-risk sharing requirements if unusual and exigent circumstances have created an anomalous lack of mortgage credit availability. Issue: Government Sponsored Enterprises. Senate ADMT to S. 1217-Housing Finance Reform and Taxpayer Protection Act of 2014. To provide for prohibitions relating to the use of the power of eminent domain. Issue: Mortgage Investments S. 1369, a bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance. Issue: Capital Standards S. 2102, a bill to clarify the application of certain leverage and risk based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Capital Standards. S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III Draft Senate bill on Financial Services and General Government Appropriations Act, 2015. Making appropriations for financial services and general government for the fiscal year ending September 30, 2015, and for other purposes. Issue: Global insurance standards S.Res. 561 - A resolution expressing the sense of the Senate that recently proposed measures that will reduce transparency and public participation at the International Association of Insurance Supervisors (IAIS) should be disapproved by United States representatives to the IAIS. Issue: global insurance standards. Margin and capital requirements for covered swap entities proposed rule. Issue: eligible collateral. No bill number assigned.

Client expense: $1,690,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

The Insurance Capital Standards Clarification Act of 2014, S.2270, H.R.4510, H.R.5461, S.2102.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

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

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

S. 508, Strengthen and Vitalize Enforcement of Child Support (SAVE Child Support) Act- A bill to amend part D of title IV of the Social Security Act to improve the enforcement, collection, and administration of child support payments, and for other purposes. (Sec. 5 & Sec. 6)H.R. 960, Flood Victim Premium Relief Act of 2013- To amend the National Flood Insurance Act of 1968 to provide relief from increased flood insurance premium rates for homes in disaster areas. (entire bill) H.R. 1268, Flood Mitigation Expense Relief Act of 2013- To amend the Internal Revenue Code of 1986 to provide a credit for qualified flood mitigation expenses incurred with respect to certain residences for which the chargeable premium rate under the national flood insurance program is increasing and to provide increased funding for mitigation programs. (entire bill) H.R. 1267, Flood Insurance Premium Relief Act of 2013- To delay and phase-in increases in flood insurance premium rates under the national flood insurance program for certain properties, and for other purposes. (entire bill) H.R. 737, Homeowners' Defense Act of 2013- To establish a national catastrophic risk consortium to ensure the availability and affordability of homeowners' insurance coverage for catastrophic events. (entire bill) H.R. 605, Insurance Consumer Protection and Solvency Act of 2013- To exclude insurance companies from the Federal Depository Insurance Corporation's "orderly liquidation authority". (entire bill) H.R. 508, Terrorism Risk Insurance Act of 2002 Reauthorization Act of 2013- To extend the Terrorism Risk Insurance Program for five years. (entire bill) S. 534/HR 1064, National Association of Registered Agents and Brokers Reform Act of 2013- A bill to reform the National Association of Registered Agents and Brokers, and for other purposes. (entire bill) H.R. 2129, Defense Base Act Insurance Improvement Act of 2013- To amend the Defense Base Act to require the provision of insurance under that Act under a Government self-insurance program, and to require an implementation strategy for such self-insurance program. (entire bill) H.R. 1945, Fostering Resilience to Terrorism Act of 2013- To extend the Terrorism Risk Insurance Program of the Department of the Treasury for 10 years, and for other purposes. (entire bill) H.R. 2146, Terrorism Risk Insurance Program Reauthorization Act of 2013- To extend the Terrorism Risk Insurance Program of the Department of the Treasury for 10 years. (entire bill) S. 1098, Responsible Implementation of Flood Insurance Reform Act of 2013- A bill to reform the Biggert-Waters Flood Insurance Reform Act of 2012 to responsibly protect homeownership. (entire bill) H.R.3693, Flood Insurance Relief and Transparency Act of 2013- To clarify the application of the Biggert-Waters Flood Insurance Reform Act of 2012 to premium rates for certain properties, and for other purposes. (entire bill) S.1610/ H.R.3370, Homeowner Flood Insurance Affordability Act of 2013- A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes. (entire bill) S.1846, Homeowner Flood Insurance Affordability Act of 2013- A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes. (entire bill) H.R.3511, Keeping Flood Insurance Affordable Act of 2013- To delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes. (entire bill) Printed NameS.1926, Homeowner Flood Insurance Affordability Act of 2014; National Association of Registered Agents and Brokers Reform Act of 2014- A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (entire bill) H.R.4669, Servicemembers Insurance Relief Act of 2014- To allow servicemembers to maintain their domicile for auto insurance purposes. (entire bill) H.R.4510/ S.2102, Insurance Capital Standards Clarification Act of 2014- To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. (entire bill) H.R.4558/ S. 2381, Flood Insurance Market Parity and Modernization Act of 2014- To clarify the authority of States to regulate private flood insurance coverage. (entire bill) H.R.4871, TRIA Reform Act of 2014- To reauthorize the Terrorism Risk Insurance Act of 2002, and for other purposes. (entire bill) H.R.4557, Policyholder Protection Act of 2014- To amend the Federal Deposit Insurance Act to provide for notice to, and input by, State insurance commissioners when requiring an insurance company to serve as a source of financial strength pursuant to such Act. (entire bill) H.R. ___, Risk Retention Modernization Act of 2014 (House Discussion Draft)- To modernize the Liability Risk Retention Act of 1986 and expand types of commercial insurance authorized, and for other purposes. (entire bill) H.R. ___, Insurance Data Protection Act of 2014 (House Discussion Draft)- To clarify the responsibilities and treatment of data by the Federal Insurance Office of the Department of the Treasury. (entire bill) Issues related to the imposition of capital standards to non-banks Issues related to the implementation of Dodd-Frank Act (PL 111-203), the provision which may impact insurance regulation Implementation of Biggert-Waters Flood Insurance Act of 2012 Issues related to the Federal Insurance Office's report on insurance regulatory modernization. Issues related to the Systemic Risk Designation process pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act.

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

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

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

Client expense: $270,000 · Firm income: Not reported

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

S. 2102- A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, S. 1369- A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes, S. 2270- Insurance Capital Standards Clarification Act of 2014, H.R. 4510- Insurance Capital Standards Clarification Act of 2014

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Systemic Risk, Dodd-Frank Wall Street Reform and Consumer Protection Act Implementation, S. 2102-A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, S.1369 - A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes, S. 2270- Insurance Capital Standards Clarification Act of 2014, H.R. 4510- Insurance Capital Standards Clarification Act of 2014

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Insurance regulation legislation; implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act; S. 2102; S. 1369; S. 2270 - Insurance Capital Standards Clarification Act of 2014

Client expense: Not reported · Firm income: $40,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Financial regulatory reform issues including implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act H.R. 466 - Social Security Death Master File Privacy Act of 2013 - all provisions H.J. Res. 59 - Continuing Appropriations Resolution, 2014 - Social Security Death Master File Provisions H.R.776 - Security in Bonding 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 S. 2270- Insurance Capital Standards Clarification Act of 2014 H.R. 4510- Insurance Capital Standards Clarification Act of 2014 H.R. 5461- To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes. H.R. 5260- Stop Disability Fraud Act of 2014

Client expense: $470,000 · Firm income: Not reported

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

Issues relating to the process and protocol of the federal regulatory system; H.R. 2804. Issues related to capital standards for insurance providers; H.R. 5461, S. 2102, S. 2270, H.R. 4510.

Client expense: $698,190 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Issues relating to insurance regulatory reform and agent compensation; H.R. 1155, S. 534, S. 650, H.R. 2328, S. 2175, S. 2173. Issues related to the implementation of the Dodd-Frank Wall Street Reform Act of 2010; H.R. 1627, H.R. 2374, H.R. 797, H.R. 4510, S. 2270. Issues related to the implementation of of the Patient Protection and Affordable Care Act; H.R. 544, H.R. 2995, H.R. 2575, S. 1188, H.R. 4418, H.R. 3522.Issues related to terrorism risk insurance; H.R. 508, H.R. 2146, H.R. 4871, S. 2244. Issues related to flood risk insurance; H.R. 3370, S. 1846, S. 1926. Issues related to the regulation of insurance competition, products with guarantees, individual and employer owned policies, and fiduciary-client relationships; H.R. 2374. Issues related to capital standards for insurance providers; H.R. 5461, S. 2102.

Client expense: $698,190 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Issues related to implementation of Dodd-Frank Wall Street Reform Act of 2010; H.R. 1627, H.R. 797, S. 2270, H.R. 4510, H.R. 2374. Issues related to regulation of certain employee benefit plan sponsors/participants and IRA holders under ERISA; H.R. 2117, S.1270. Issues related to investment advice provided by municipal advisors; H.R. 797. Issues related to consumer compensation in cases of investment fraud; H.R. 3482, S. 1725.Issues related to capital standards for insurance providers; H.R. 5461, S. 2102, S. 2270, H.R. 4510.

Client expense: $698,190 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

HR 1155: National Association of Registered Agents and Brokers Reform Act of 2013 - Amends the Gramm-Leach-Bliley Act to repeal the contingent conditions under which the National Association of Registered Agents and Brokers (NARAB) shall not be established. Reestablishes the NARAB without contingent conditions as a nonprofit corporation to prescribe, on a multi-state basis, licensing and insurance producer qualification requirements and conditions.HR 508: TRIA Reauthorization Act of 2013 - Amends the Terrorism Risk Insurance Act of 2002 to extend the Terrorism Insurance Program until December 31, 2019 (under current law the Program expires on December 31, 2014). HR 1945: Fostering Resilience to Terrorism Act of 2013 - Amends the Terrorism Risk Insurance Act of 2002 to revise the definition of an "act of terrorism" to mean any act that is certified as meeting the specified criteria for such n act by the Secretary of Homeland Security (DHS), in concurrence with the Secretary of the Treasury (currently, by the Secretary of the Treasury in concurrence with the Secretary of State). Extends the Terrorism Insurance Program until December 31, 2024 (under current law, the Program expires on December 31, 2014). HR 2140: Insurance Capital and Accounting Standards Act of 2013 - Amends the Dodd-Frank Wall Street Reform and Consumer protection Act (Dodd-Frank) and the Home Owners' loan Act to make minimum leverage and risk-based capital requirements governing insurance companies under the state law also apply to insurance companies that are either depository holding companies or subsidiaries of depository holding companies. HR 2146: Terrorism Risk insurance program Reauthoriation Act of 2013 - Amends the Terrorism Risk insurance Act of 2002 to extend from December 31, 2014, through December 31, 2024, the Terrorism Risk insurance program. Extends to September 30, 2027, the deadline by which the Secretary of the Treasury is required to collect all mandatory premiums for any act of terrorism occuring on or after January 1, 2012. HR 4510: Insurance Capital Standards Clarification Act of 2014 - Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) concerning establishment of minimum leverage and minimum risk-based capital requirements on a consolidated basis for a depository institution holding company or a nonbank financial company supervised by the Board of Governors of the Federal Reserve System. H.R. 5623 Living Donor Protection Act: the bill is designed to "to promote organ donation and protect the rights of living organ donors" by prohibiting life, disability and long term care companies from denying coverage, limiting coverage or charging higher premiums for organ donors. S 534: National Association of Registered Agents and Brokers Reform Act of 2013 - Amends the Gramm-Leach-Bliley Act to repeal the contingent conditions under which the National Association of Registered Agents and Brokers (NARAB) shall not be established. Reestablishes the NARAB without contingent conditions as a nonprofit corporation to prescribe, on a multi-state basis, licensing and insurance producer qualification requirements and conditions. S1369: Additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance. S.1926: A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. S.2102: A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. S.2270: Insurance Capital Standards Clarification Act of 2014 - Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) concerning establishment of minimum leverage and minimum risk-based capital requirements on a consolidated basis for a depository institution holding company or a nonbank financial company supervised by the Board of Governors of the Federal Reserve System. H.R.5461: To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction

Client expense: $445,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, U.S. Trade Representative (USTR)

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions and Global Capital Standards. H.R. 1062, SEC Regulatory Accountability Act. Issue: SEC Rulemaking, Cost-Benefit Analysis, DerivativesH.R. 2140, the Insurance Capital and Accounting Standards Act of 2013. Amends the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank) and the Home Owners' Loan Act to make minimum leverage and risk-based capital requirements governing insurance companies under the state law also apply to insurance companies that are either depository holding companies or subsidiaries of depository holding companies. Issue: Capital Standards, Basel III H.AMDT.64 to H.R. 1062, Amendment expresses the sense of Congress that rules adopted by the Public Company Accounting Oversight Board (PCAOB) comply with the same standards required of the SEC. It also requires the SEC to ensure that any rules adopted by the Municipal Securities Rulemaking Board (MSRB), and other national securities associations comply with the standards set forth in the bill. Issue: FINRA, Securities Rulemaking H.R. 1564, the Audit Integrity and Job Protection Act. Amends the Sarbanes-Oxley Act of 2002 (SOX) to deny the Public Company Accounting Oversight Board any authority to require that audits conducted for a particular issuer of securities in accordance with SOX standards be conducted by specific auditors, or that such audits be conducted for an issuer by different auditors on a rotating basis. Issue: Mandatory Auditor Rotation H.R. 2374, the Retail Investor Protection Act. To amend the Securities Exchange Act of 1934 to provide protections for retail customers, and for other purposes. Issue: Fiduciary Duties S. 731, the Basel III CASE Act. Directs the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency, before issuing any final rule in relation to proposals they have issued for the International Basel III agreement on general risk-based capital requirements, to conduct an empirical study that includes: (1) a quantitative analysis of the rule's impact on the U.S. financial services sector, specifically community, mid-size, and regional financial institutions; and (2) a determination of the long-term impact of the rule, including changes to the current risk weight framework. Issue: Capital Standards for Community Banks S. 798, TBTF Act. Requires federal banking agencies to establish capital requirements for the ratio of equity capital to total consolidated assets for all financial institutions. Issue: Capital Standards S. 1369, a bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance. Issue: Capital Standards S. 1526, The Audit Integrity and Job Protection Act, to prevent the Public Company Accounting Oversight Board (PCAOB) from requiring public companies to use a specific auditor or to change auditors on a rotating basis. Issue: Mandatory Auditor Rotation H.R. 2733, Defending American Taxpayers From Abusive Government Takings Act of 2013 to prohibit Fannie Mae and Freddie Mac from purchasing, the FHA from insuring, and the Department of Agriculture from guaranteeing, making, or insuring, a mortgage that is secured by a residence or residential structure located in a county in which the State has used the power of eminent domain to take a residential mortgage. Issue: Mortgage Investments H.R. 2767, the Protect American Taxpayers & Homeowners (PATH) Act. Issue: Mortgage Investments and Government Sponsored Enterprises/Federal Home Loan Banks Draft H.AMDT to HR 2610, Transportation, Housing & Urban Development Appropriations, to prohibit federal guarantees for mortgages seized through eminent domain. Issue: Mortgage Investments. S. 2102, a bill to clarify the application of certain leverage and risk based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Capital Standards.

Client expense: $1,030,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 508, TRIA Reauthorization Act of 2013, extends current law program through 12/31/19 H.R. 2146, Terrorism Risk insurance program Reauthorization Act of 2013, extends program through 12/31/24 and makes other changesH.R. 1945 Fostering Resilience to Terrorism Act of 2013, extends the program through 12/31/24 and amends the definition of an act of terrorism H.R. 1798 Dental Insurance Fairness Act of 2013, amends ERISA to prescribe certain health care coverage value requirements for dental benefits under self-insured group health plans S. 2270, Insurance Capital Standards Clarification 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. 4510, Insurance Capital Standards Clarification Act of 2014

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Dodd--Frank Act as relates to non-bank SIFI designation, S 1369, S 2102; S. 2270; HR 4510; capital standards as they relate in insurance.

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

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, White House Office

Dodd--Frank Act as relates to non-bank SIFI designation, S 1369, S 2102; S. 2270; HR 4510; capital standards as they relate in insurance. DOL re: Captive Reinsurance.

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

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of, White House Office

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

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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.

Client expense: $2,560,000 · Firm income: Not reported

Government targets: Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

Optional Federal Charter (Generally) H.R. 1155 National Association of Registered Agents and Brokers Act (All Provisions) S. 534 National Association of Registered Agents and Brokers Act (All Provisions) H.R. 240 Homeowners Insurance Protection Act (All Provisions) H.R. 508 TRIA Authorization (All Provisions) H.R. 549 Homeowner Catastrophe Protection Act (All Provisions) P.L. 112-141 Flood Insurance Reform Act of 2012 (Implementation) H.R. 737 Homeowners Defense Act (All Provisions) H.R. 2374 Retail Protection Investor Act (All Provisions) H.R. 1878, S. 905 Safe Building Codes Incentive Act (All Provisions) H.R. 1194 National Flood Insurance Program Termination Act (All Provisions) H.R. 1945 Fostering Resilience to Terrorism Act (All Provisions) H.R. 2146 Terrorism Risk Insurance Program Reauthorization Act of 2013 (All Provisions) S. 1369 A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of insurance, and for other purposes (No official title yet.) (All Provisions) S. 2137 Second Home Refund Prohibition Act (All Provisions) 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 (All Provisions) H.R. 4510 Insurance Capital Standards Clarification Act (All Provisions) S. 2270 Insurance Capital Standards Clarification Act (All Provisions) H.R. 4669 Servicemembers Insurance Relief Act (All Provisions) P.L. 113-89 Homeowner Flood Insurance Affordability Act of 2014 (All Provisions) Draft: Insurance Data Protection Act (All Provisions) Draft: Risk Retention Modernization Act of 2014 (All Provisions) H.R. 4745 Transportation, Housing, & Urban Development & Related Agencies Appropriations Act of 2015 (Insurance Provisions) H.R. 5471 The TRIA Reform Act of 2014 (All Provisions) H.R. 4871 The TRIA Reform Act of 2014 (All Provisions) S. 2244 Terrorism Risk Insurance Program Reauthorization Act of 2014 (All Provisions) H.R. 4557 Policy Holder Protection Act (All Provisions S. 2726 Captive Insurers Clarification Act (All Provisions) H.R. 5388 Captive Insurers Clarification Act (All Provisions) H.R. 5780 Financial Stability Oversight Council Improvement (All Provisions) H.R. 5067 To require the FIO to carry out a study on illegal steering and redlining in the insurance industry (All Provisions) H.R. 5461 To clarify the application of certain leverage and risk-based requirements of Dodd-Frank (Insurance Provisions)

Client expense: $270,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Federal Emergency Management Agency (FEMA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of

H.R. 2295-International Insurance Issues, H.R. 2402-Consumer Financial Protection Bureau, H.R. 4387-Transparency & Accountability Act, H.R. 4881-Financial Stability Oversight Council, H.R. 5016-Appropriations, S. 1173-Dodd-Frank Act, S. 2102-Dodd-Frank

Client expense: $1,020,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

S 2157 - Commonsense Medicare SGR Repeal & Beneficiary Access Improvement Act of 2014 - SGR Repeal S 2122 - Responsible Medicare SGR Repeal & Beneficiary Access Improvement Act of 2014 - SGR Repeal S 1871 - SGR Repeal & Medicare Beneficiary Access Act of 2013 - SGR RepealS 1369 & S 2102- Bills to provide additional flexibility to the Fed to establish capital standards for insurers - Provisions exempting insurers from Dodd-Frank Act capital requirements.

Client expense: $300,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2767 (Protecting American Taxpayers and Homeowners Act of 2013) S. 2102 (A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act) S.1369 (A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes) S. 474 (Swaps Regulatory Improvement Act) S. 1217 (Housing Finance Reform and Taxpayer Protection Act) CFTC No Action Letter 14-02 and 14-03 CFTC Concept Release on Risk Controls and System Safeguards for Automated Trading Environments Federal Reserve Proposed Rule on FRB, Enhanced Prudential Standards and Early Remediation Requirements for Covered Companies (77 Fed. Reg. 594, Jan. 5, 2012) H.R. 4167 (Restoring Proven Financing for American Employers Act) H.R. 3928 (The Federal Reserve Accountability and Transparency Act) H.R. 3448 (Small Cap Liquidity Reform Act of 2014) H.R. 4697 (Small-Cap Access to Capital Act) S. 1907 (Fairness for Community Job Creators Act) The Volcker Rule

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

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

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

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

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

S. 2102-A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, S. 1369-A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes, S. 2270- Insurance Capital Standards Clarification Act of 2014, H.R. 4510-Insurance Capital Standards Clarification Act of 2014

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Systemic Risk, Dodd-Frank Wall Street Reform and Consumer Protection Act Implementation, S. 2102-A bill to clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, S. 1369-A bill to provide additional flexibility to the Board of Governors of the Federal Reserve System to establish capital standards that are properly tailored to the unique characteristics of the business of insurance, and for other purposes, S. 2270- Insurance Capital Standards Clarification Act of 2014, H.R. 4510-Insurance Capital Standards Clarification Act of 2014

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2295-International Insurance Issues, H.R. 2402-Consumer Financial Protection Bureau, H.R. 4387-Transparency & Accountability Act, H.R. 4881-Financial Stability Oversight Council, H.R. 5016-Appropriations, S. 1173-Dodd-Frank Act, S. 2102-Dodd-Frank

Client expense: $1,240,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Treasury, Dept of