CREED Act of 2013

see next pageIssues Related To Small Business S.537 - Clear SBA Act H.R.1240/S.289 - Commercial Real Estate and Economic Development Act of 2013 Issues Related To Data Security/Privacy S.635/H.R.749 - Privacy Notice Modernization Act of 2013 S.947 - SAFE Act Confidentiality & Privilege Enhancement Act S.1927 - Data Security Act of 2014 Issues Related To Banking S.673 - Protecting Consumers from Unreasonable Credit Rates Act of 2013 H.R.1261- Overdraft Protection Act of 2013 Issues related to The Wall Street Reform and Consumer Protection Act Issues Related To Cyber Security H.R.624 - Cyber Intelligence Sharing and Protection Act H.Res.164 - Providing for consideration of the bill (H.R. 624) to provide the sharing of certain cyber threat intelligence and cyber threat information between the intelligence community and cybersecurity entities, and for other purposes. H.R.756 - Cybersecurity Enhancement Act of 2013 S.1927 - Cybersecurity and American Cyber Competitiveness Act of 2013 S.1353 - Cyber Security Act Of 2013 Issues Related To Consumer Financial Protection Bureau Potential Legislation and Education Regarding the CFPB. Issues related to CFPB and banking agency regulatory bulletins H.R.2402 - Consumer Financial Protection Commission Act of 2013 H.R.3770 - CFPB - IG Act of 2013 H.R.4811 - Bureau Guidance Transparency Act Issues Related To Student Loans S.546 - Smarter Borrowing Act S.1266 - Refinancing Education Funding to Invest (REFI) for the Future Act of 2013 H.R.2661 - The Fair Student Credit Act of 2013 S.1803 - Student Loan Borrower Bill of Rights House Joint Resolution 59 - The Bipartisan Budget Act of 2013 S.2432 - Bank on Students Emergency Loan Refinancing Act H.R.4511 - Protecting Students from Automatic Default Act S.2448 - Service Member Wishes Education Protection Act Higher Education Affordability Act/Issues Related to Reauthorization of the Higher Education Act Issues Related to Postal Service S.1486 - The Postal Reform Act of 2014Regulations: Community Reinvestment Act Regulations, 12 CFR parts 25, 195, 228 and 345 Debit Card interchange, 12 CFR Part 235, Regulation II Regulation B, 12 CFR Part 202, 1002 (ECOA) Regulation C, 12 CFR Part 203, 1003 (HMDA) Regulation E, 12 CFR Part 205, 1005 (EFTA) Regulation F, 12 CFR Part 1006 (FDCPA) Consumer Privacy, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting, 12 CFR Parts 41, 171, 334, 1022 Regulation X, 12 CFR Part 1024 (RESPA) Regulation Z, 12 CFR Part 1026 (TILA) Disclosure of records and information, 12 CFR Part 1070 Rules of practice for adjudication proceeding, 12 CFR Part 1081 CFPBs larger participant rules, 12 CFR Part 1090 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to Telephone Consumer Protection Act Issues related to the Higher Education Act Issues related to the Service Member Civil Relief Act Regulation P, 12CFR Part 216

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

Government targets: Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Improvement of Short Sales Process HR839 - Prompt Decision for Qualification for Short Sales Act S361 - Prompt Notification of Short Sales ActGSE Modifications HR736 - Responsible Homeowner Refinancing Act of 2013 HR1712 - Housing Opportunity and Mortgage Equity Act of 2013 HR2767 - The Protecting American Taxpayers and Homeowners Act of 2013 HR3550 - The New Fair Deal Banking and Housing Stability Act of 2013 S249 - Responsible Homeowner Refinancing Act of 2013 S536 - Jumpstart GSE Reform S1217 - Housing Finance and Taxpayer Protection Act of 2013 HR5055 - Partnership to Strengthen Homeownership Act of 2014 Basel III Capital Standards HR1693 - A bill to provide an exemption for community banks from the application of Basel III capital standards S737 - Basel III Impact Study Act Commercial Real Estate Refinancing HR1240 - A bill to extend the low-interest refinancing provisions under the Local Development Business Loan Program of the Small Business Administration S289 - Commercial Real Estate and Economic Development Act of 2013 S968 - Small Business Lending Enhancement Act of 2013 Fees and Points in the QM ATR Rules of Dodd-Frank HR3211 - Mortgage Choice Act of 2013 S949 - Consumer Mortgage Choice Act S1577 - Mortgage Choice Act of 2013 Credit Union Lending HR688 - A bill to amend the Federal Credit Union Act to provide certain credit unions with the authority to make additional member business loans, and for other purposes Conversations with the Treasury Department about Qualified Residential Mortgages (QRM) and GSE reform. Discussions with the Department of Housing and Urban Development (HUD) on the FHA, mortgage insurance premiums, and property flipping waivers. Conversations with the Consumer Finance Protection Board (CFPB) on Qualified Mortgages (QM), the Real Estate Settlement Procedures Act (RESPA), the Truth In Lending Act (TILA), and mortgage servicing. Conversations with the Federal Housing Finance Agency (FHFA) about housing financing, G-fees, and short sales. Discussions with the Securities and Exchange Commission about "crowdfunding" regulations under the JOBS Act of 2012 and the FASB Lease Accounting proposal. Conversations with the White House National Economic Council regarding housing finance, GSE Reform, and G-fees.

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

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

Small business/hospitality industry access to commercial credit; reauthorization of SBA 504 loan re-financing program (H.R. 1240, S. 289)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

504 Subsidy Rate SBA Lender Oversight 504 Loan Policy Changes Senate bill number S. 289 & House bill number H.R. 1240

Client expense: $55,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), White House Office

504 Subsidy Rate SBA Lender Oversight 504 Loan Policy Changes Senate bill number S. 289 & House bill number H.R. 1240

Client expense: Not reported · Firm income: Not reported

Improvement of Short Sales Process HR839 - Prompt Decision for Qualification for Short Sales Act S361 - Prompt Notification of Short Sales ActGSE Modifications HR736 - Responsible Homeowner Refinancing Act of 2013 HR1712 - Housing Opportunity and Mortgage Equity Act of 2013 HR2767 - The Protecting American Taxpayers and Homeowners Act of 2013 HR3550 - The New Fair Deal Banking and Housing Stability Act of 2013 S249 - Responsible Homeowner Refinancing Act of 2013 S536 - Jumpstart GSE Reform S1217 - Housing Finance and Taxpayer Protection Act of 2013 HR5055 - Partnership to Strengthen Homeownership Act of 2014 Basel III Capital Standards HR1693 - A bill to provide an exemption for community banks from the application of Basel III capital standards S737 - Basel III Impact Study Act Commercial Real Estate Refinancing HR1240 - A bill to extend the low-interest refinancing provisions under the Local Development Business Loan Program of the Small Business Administration S289 - Commercial Real Estate and Economic Development Act of 2013 S968 - Small Business Lending Enhancement Act of 2013 Fees and Points in the QM ATR Rules of Dodd-Frank HR3211 - Mortgage Choice Act of 2013 S949 - Consumer Mortgage Choice Act S1577 - Mortgage Choice Act of 2013 Credit Union Lending HR688 - A bill to amend the Federal Credit Union Act to provide certain credit unions with the authority to make additional member business loans, and for other purposes Conversations with the Treasury Department about Qualified Residential Mortgages (QRM), GSE reform, and housing finance. Discussions with the Department of Housing and Urban Development (HUD) on loan limits, Qualified Residential Mortgages (QRM), the FHA, and mortgage insurance premiums. Conversations with the Consumer Finance Protection Board (CFPB) on Qualified Mortgages (QM), the Real Estate Settlement Procedures Act (RESPA), and the Truth In Lending Act (TILA). Conversations with the Federal Housing Finance Agency (FHFA) about loan limits and housing financing. Discussions with the Federal Deposit Insurance Corporation (FDIC) about Qualified Residential Mortgages (QRM). Discussions with the Office of the Comptroller of the Currency (OCC) about Qualified Residential Mortgages (QRM). Discussions with the Securities and Exchange Commission about Qualified Residential Mortgages (QRM). Conversations with the White House National Economic Council regarding housing finance. Discussions with the Small Business Administration (SBA) Office of Advocacy regarding crowdfunding.

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

Government targets: Agriculture, Dept of (USDA), Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, Veterans Affairs, Dept of (VA)

see next pageIssues Related To Small Business S.537 - Clear SBA Act H.R.1240/S.289 - Commercial Real Estate and Economic Development Act of 2013 Issues Related To Data Security/Privacy S.635/H.R.749 - Privacy Notice Modernization Act of 2013 S.947 - SAFE Act Confidentiality & Privilege Enhancement Act S.1927 - Data Security Act of 2014 Issues Related To Banking S.673 - Protecting Consumers from Unreasonable Credit Rates Act of 2013 H.R.1261- Overdraft Protection Act of 2013 Issues related to The Wall Street Reform and Consumer Protection Act Issues Related To Cyber Security H.R.624 - Cyber Intelligence Sharing and Protection Act H.Res.164 - Providing for consideration of the bill (H.R. 624) to provide the sharing of certain cyber threat intelligence and cyber threat information between the intelligence community and cybersecurity entities, and for other purposes. H.R.756 - Cybersecurity Enhancement Act of 2013 S.1927 - Cybersecurity and American Cyber Competitiveness Act of 2013 S.1353 - Cyber Security Act Of 2013 Issues Related To Consumer Financial Protection Bureau Potential Legislation and Education Regarding the CFPB. Issues related to CFPB and banking agency regulatory bulletins H.R.2402 - Consumer Financial Protection Commission Act of 2013 H.R.3770 - CFPB - IG Act of 2013 H.R.4811 - Bureau Guidance Transparency Act Issues Related To Student Loans S.546 - Smarter Borrowing Act S.1266 - Refinancing Education Funding to Invest (REFI) for the Future Act of 2013 H.R.2661 - The Fair Student Credit Act of 2013 S.1803 - Student Loan Borrower Bill of Rights House Joint Resolution 59 - The Bipartisan Budget Act of 2013 S.2432 - Bank on Students Emergency Loan Refinancing Act H.R.4511 - Protecting Students from Automatic Default Act S.2448 - Service Member Wishes Education Protection Act Higher Education Affordability Act/Issues Related to Reauthorization of the Higher Education Act Issues Related to Postal Service S.1486 - The Postal Reform Act of 2014Regulations: Community Reinvestment Act Regulations, 12 CFR parts 25, 195, 228 and 345 Debit Card interchange, 12 CFR Part 235, Regulation II Regulation B, 12 CFR Part 202, 1002 (ECOA) Regulation C, 12 CFR Part 203, 1003 (HMDA) Regulation E, 12 CFR Part 205, 1005 (EFTA) Regulation F, 12 CFR Part 1006 (FDCPA) Consumer Privacy, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting, 12 CFR Parts 41, 171, 334, 1022 Regulation X, 12 CFR Part 1024 (RESPA) Regulation Z, 12 CFR Part 1026 (TILA) Disclosure of records and information, 12 CFR Part 1070 Rules of practice for adjudication proceeding, 12 CFR Part 1081 CFPBs larger participant rules, 12 CFR Part 1090 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to Telephone Consumer Protection Act Issues related to the Higher Education Act Issues related to the Service Member Civil Relief Act Regulation P, 12CFR Part 216

Client expense: $540,000 · Firm income: Not reported

Government targets: Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Small business/hospitality industry access to commercial credit; reauthorization of SBA 504 loan re-financing program (H.R. 1240, S. 289)

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 3 Northern Route Approval Act of 2013 Bill to expedite approval of the Keystone XL pipeline. NSBA is monitoring. H.R. 25 Fair Tax Act of 2013 Legislation to abolish the Internal Revenue Service and enact a national retail sales tax. NSBA supports.H.R. 30 Small Business Investment enhancement and Tax Relief Act - Establishes an early-stage investment program to provide equity financing to support early-stage businesses and provide a small business investment tax credit of 20%. NSBA is monitoring. H.R. 168 Business Freedom of Commerce Act Bill would allow a small business operating in the United States to elect to be exempt from any federal rule or regulation issued on or after Jan. 20, 2009, among other things. NSBA is monitoring. H.R. 309 Regulatory Sunset and Review Act Bill requires federal agencies (either by someone who has been adversely affected or via a Congressional committee) to review their covered rules and modify, consolidate, or terminate such rules on a periodic basis. NSBA is monitoring. H.R. 367 Regulations from the Executive in Need of Scrutiny Act of 2013 Bill would require Congressional approval for major regulations. NSBA is monitoring. H.R. 375 Made in America Manufacturing Act of 2013 - Directs the Secretaries of Commerce and Labor to establish a program for the joint award of incentive grants to a state or a regional partnership to support the U.S. manufacturing industry, among other things. NSBA supports. H.R. 400 Clean Energy Technology Manufacturing and Assistance Act Bill establishes a Clean Energy Technology Manufacturing and Export Assistance Fund to ensure that U.S. clean energy technology firms have the information and assistance they need to be competitive and to create clean energy technology sector jobs, among other things. NSBA is monitoring. H.R. 407 Clean Vehicles Incentive Act of 2013 Bill allows certain businesses located in areas designated as nonattainment areas under the Clean Air Act a general business tax credit for the cost of certain clean-fuel vehicle property and the use of clean-burning fuel. NSBA is monitoring. H.R. 596 Public Lands Renewable Energy Development Act of 2013 - Requires the Secretary of Interior and the Secretary of Agriculture (USDA) to each establishes a wind and solar leasing pilot program and establishes the Renewable Energy Resource Conservation Fund for use in regions impacted by the development of wind or solar energy on public lands. NSBA is monitoring. H.R. 624 Cyber Intelligence and Sharing Protection Act of 2013 Bill seeks to help foster voluntary cyber threat information sharing between the private sector and the federal government, while at the same time hope to ensure certain privacy and civil liberties protections. NSBA is monitoring. H.R. 684 Marketplace Fairness Act of 2013 Bill would allow states to require that Internet retailers located outside their borders collect sales taxes on purchases by their residents. Businesses with less than $1 million in annual online sales would be exempt, and the sponsors have estimated that fewer than 1,000 businesses would be required to collect sales taxes. NSBA is monitoring. H.R. 688 Credit Union Small Business Jobs Creation Act of 2013 - Increases the credit union member business lending limit from 12.25 percent to 27.5 percent, among other things. NSBA supports. H.R. 701 Bill amends a provision of the Securities Act of 1933 to direct the Securities and Exchange Commission to add a particular class of securities to those exempted under the Act and to provide a deadline for doing so. NSBA supports. H.R. 756 - Cybersecurity Enhancement Act of 2013 Bill seeks to improve information sharing between the private sector and the federal government and continue much-needed cybersecurity research and development programs. NSBA is monitoring. H.R. 763 The Jobs and Premium Protection Act Bill will act to amend the PPACA to repeal provisions imposing an annual fee on health insurance providers. NSBA supports. H.R. 776 Security in Bonding Act of 2013 Bill would provide easier access to surety bonds for small construction firms to improve participation in the federal marketplace. NSBA is monitoring. H.R. 803 Workforce Innovation and Opportunity Act Bill seeks to modernize and improve existing federal workforce development programs and ensure businesses find the skilled employees they need to compete and create jobs in the U.S. NSBA supports. H.R. 967 Advancing Americas Networking and Information Technology Research and Development Act of 2013 Bill seeks to foster information sharing between the private sector and the federal government and develop a strategic plan for information sharing and cybersecurity research and development within various relevant federal agencies. NSBA is monitoring. H.R. 1002 Fair Access to Credit Scores Act of 2013 Provides consumers with free access to their credit scores along with free access to their credit reports once each year. NSBA supports. H.R. 1062 SEC Regulatory Accountability Act Bill requires the SEC to undertake an enhanced cost-benefit analysis before adopting any new regulations. NSBA supports.H.R. 1072 Freedom from Government Competition Act - Requires each executive or military department or independent establishment to obtain all goods and services necessary for or beneficial to the accomplishment of its authorized functions by procurement from private sources, with certain exceptions. NSBA supports. H.R. 1127 Rebuild American Manufacturing Act of 2013 Bill directs President to develop a comprehensive national manufacturing strategy. NSBA supports. H.R. 1138 Small Business Clean Energy Financing Act of 2013 Bill would establish a new loan guarantee program within the U.S. Small Business Administration for clean technology companies. NSBA is monitoring. H.R. 1219 Gulf Fisheries Fairness Act Bill would increase state water boundaries to 120 feet or 9 nautical miles (whichever is greater) and gives states greater control over their reef fisheries to open up more waters for commercial and recreational fishermen. NSBA supports. H.R. 1240 - Commercial Real Estate and Economic Development (CREED) Act of 2013, which will extend for five years the low-interest refinancing provisions under the Local Development Business Program of the Small Business Administration (SBA). NSBA supports. H.R. 1321 Small Business Paperwork Relief Act Bill would suspend civil fines for first-time paperwork violations by small business concerns unless there is potential for serious harm to the public interest and other relevant conditions. NSBA supports. H.R. 1332 American Jobs Matter Act of 2013 Bill to allow contracting officers to consider information regarding domestic employment before awarded a federal contract. NSBA is monitoring. H.R. 1557 Plain Writing Act for Regulations for 2013 Bill requires all new or substantially revised federal regulations to be written in clear, concise and easy to understand, or plain language. NSBA supports. H.R. 1616 - Energy Savings and Industrial Competitiveness Act - Bill would promote energy savings in residential and commercial buildings and industry, and for other purposes. NSBA supports. H.R. 1772 The Legal Workforce Act Bill would make the use of E-Verify mandatory for new hires and impose severe employer penalties. NSBA opposes. H.R. 1773 The Agricultural Guestworker Act Bill would create a simplified and expanded agricultural guest worker program. NSBA supports. H.R. 1909 Export Coordination Act of 2013 Bill would establish stronger congressional oversight and coordination of trade assistance across 20 agencies. NSBA supports. H.R. 1916 TRADE (Transparent Rules Allow Direct Exporting) for Small Businesses and Jobs Act Bill is directed at helping SMEs stay current on changing foreign regulations. It requires Commerce (via MAC) to publish changes in tariff/non-tariff and technical barriers on export.gov or a successor website. NSBA supports. H.R. 1926 State Trade Coordination Act of 2013 Bill would establish the framework to ensure that federal and state trade agencies work in unison to assist their local exporters. NSBA supports. H.R. 2122 Regulatory Accountability Act of 2013 Bill to reform the process by which federal agencies analysis and formulate new regulations and guidance documents. NSBA is monitoring. H.R. 2131 The Supplying Knowledge Based Immigrants and Lifting Levels of STEM Visas Act Bill would allocate green cards to foreign graduates of U.S. universities with advanced degrees in science, technology, engineering, and math (STEM) fields, increase H-1B visas, repeal the employment-based per-country cap, establish a new entrepreneur visa program and strengthen the investor visa program. NSBA supports. H.R. 2232 Make Every Small Business Count Act of 2013 Bill would allow prime contractors covered by a subcontracting plan under a single contract with a federal agency to receive credit against such a plan for using small business subcontractors and any level of subcontracting. NSBA is monitoring. H.R. 2263 Export-Import Bank Termination Act Bill to abolish the Export-Import Bank of the United States three years after enactment of this Act. NSBA opposes. H.R. 2274 Small Business Mergers, Acquisitions, Sales and Brokerage Simplification Act of 2013 Bill would allow merger and acquisition brokers who perform services in connection with the transfer of ownership of smaller privately held companies to register with the SEC by filing an electronic notice. NSBA supports. H.R. 2419 Small Business Credit Card Act of 2013 Bill further protects small-business owners credit cards from unfair and deceptive practices of credit card companies. NSBA supports. H.R. 2429 Death Tax Repeal Act of 2013 Bill amends the Internal Revenue Code to: (1) repeal the estate and generation-skipping transfer taxes, and (2) make permanent the maximum 35% gift tax rate and a $5 million lifetime gift tax exemption. Provides for an inflation adjustment to such exemption amount. NSBA supports.H.R. 2452 Womens Procurement Program Equalization Act of 2013 Bill would standardize sole source contracts for women-owed small business helping to place them on equal footing as other similarly situated small businesses with respect to the SBAs procurement programs. NSBA is monitoring. H.R. 2542 Regulatory Flexibility Improvements Act of 2013 Bill amends the Regulatory Flexibility Act to ensure complete analysis of potential impacts on small entities of federal rules. NSBA is monitoring. H.R. 2582 PATENT Jobs Act Bill exempts USPTO from Presidential Sequestration Order issued on March 1, 2013. NSBA supports. H.R. 2593 Cost-Benefit and Regulatory Transparency Enhancement Act of 2013 Bill requires reports on the results of and methods used to calculate any cost-benefit or regulatory impact analysis. NSBA is monitoring. H.R. 2751 Commonsense Construction Contracting Act of 2013 Bill would prohibit reverse auction methods from being used in the case of any contract for the procurement of design and construction services if the contract is suitable for award to a small business, or if the award is made under other relevant SBA provisions. NSBA is monitoring. H.R. 2882 Improving Opportunities for Service-Disabled Veteran-Owned Small Businesses Act of 2013 Bill amends the Small Business Act to allow, under certain conditions, the surviving spouse of a service-disabled veteran to be treated as if the surviving spouse were that veteran for the purpose of maintaining the business's status, among other provisions. NSBA is monitoring. H.R. 3169 IRS Rulemaking Fairness Act of 2013 Expands requirements relating to review of federal agency actions that have a significant economic impact on small entities (e.g., small organizations and businesses) to include rulemaking by the Internal Revenue Service (IRS). NSBA is monitoring. H.R. 3826 Electricity Security and Affordability Act Bill proposes reasonable alternatives to EPAs proposed rule regulating carbon pollution from new and soon to be released rule regarding existing power plants. NSBA supports. H.R. 3830 Bipartisan Congressional Trade Priorities Act of 2014 Bill will restore the presidents authority to negotiate trade deals by including strict requirements for Congressional consultations and access to information . NSBA supports. H.R. 4093 Greater Opportunities for Small Business Act of 2014 Bill would increase the small business prime contracting goal to 25% and the small business subcontracting goal to 40%. NSBA supports. H.R. 4094 Contracting Data and Bundling Accountability Act of 2014 Bill would improve the gathering and transparency of contract bundling data to enhance accountability and small business contracting opportunities. NSBA is monitoring. H.R. 4121 Small Business Development Centers Improvements Act of 2014 Bill would provide improvements to Small Business Development Centers by, among other things, repealing certain provisions prohibiting grant awards for marketing and advertising services, improves data collection efforts, and allowing SBDCs to collect fees and other income from partnerships and co-sponsorships. NSBA is monitoring. H.R. 4429 Permanent Active Financing Exception Act of 2014 Bill would amend the Internal Revenue Code to allow the deferral of tax on certain income earned in foreign companies when calculating taxable income. NSBA supports. H.R. 4438 American Research and Competitiveness Act of 2014 Bill amends the Internal Revenue Code of 1986 to simplify and make permanent the research credit. NSBA supports. H.R. 4453 S Corporation Permanent Tax Relief Act of 2014 -- To amend the Internal Revenue Code of 1986 to make permanent the reduced recognition period for built-in gains of S corporations. NSBA supports. H.R. 4454 Permanent S Corporation Charitable Contributions Act of 2014 -- Bill would amend the Internal Revenue Code to make permanent a rule that expired at the end of 2013 that defines how a shareholder in an S corporation adjusts the basis of that S corporation stock to account for that corporations contributions of property to charity. NSBA supports. H.R. 4457 - America's Small Business Tax Relief Act of 2014 - The legislation would make permanent section 179 expensing and allow businesses to deduct up to $500,000 annually in expenses incurred buying machinery, equipment, computer software, and similar items. NSBA supports. H.R. 4464 - Permanent CFC Look-Through Act of 2014 - Bill would amend the Internal Revenue Code to make permanent the "look-through rule" that applied to the taxable years of foreign corporations beginning after Dec. 31, 2005 and before Jan. 1, 2014. This treatment would be permanently effective for taxable years beginning after Dec. 31, 2013. NSBA supports. H.R. 4718 - Bill amends the Internal Revenue Code to make permanent the additional 50% depreciation allowance (bonus depreciation) for qualified property placed in service after Dec.31, 2013 and modifies the definition of "qualified property" to include qualified retail improvement property. NSBA supports. S. 15 Regulations from the Executive in Need of Scrutiny (REINS) Act of 2013 - Bill would require Congressional approval for major regulations. NSBA is monitoring. S. 17 Energy Production and Project Delivery Act Bill would promote an all-of-the-above energy policy by opening up more areas to leasing, expediting energy projects, and preventing regulation of CO2 under the CAA. NSBA is monitoring.S. 21 Cybersecurity and American Cyber Competitiveness Act of 2013 Sense of Congress bill to highlight the need for improved coordination and collaboration between the private sector and the federal government regarding cyber threat and cyber-attack information, and the need to incorporate certain privacy and civil liberties protections in any future cybersecurity-related legislation. NSBA is monitoring. S. 63 Made in America Manufacturing Act - Directs the Secretaries of Commerce and Labor to establish a program for the joint award of incentive grants to a state or a regional partnership to support the U.S. manufacturing industry. NSBA supports. S. 169 I-Squared Act Bill increase H-1B visa cap and establishes an economic demand model to determine future increases or decreases in cap, eliminates per country numerical limitation for employment-based visas, exempts certain categories of persons from employment-based green card cap (i.e. students w/ advanced degree in STEM field), increases fees on H-1B applications which will be used towards STEM education and training. NSBA is monitoring. S. 189 Startup Visa Act Creates a new visa category for immigrant entrepreneurs. NSBA is monitoring. S. 192 Expedited LNG for America Allies Act of 2013 Bill would expedite the approval process for LNG exports to allies of America. NSBA is monitoring. S. 196 Assuring Contracting Equity Act of 2013 Increases govt wide contracting goal for small biz from 23% to 25 percent and requires federal agencies to consult with SBA to determine standards for procurement officers to follow re: past compliance of potential contractors with small business subcontracting goals. NSBA supports. S. 279 - Public Lands Renewable Energy Development Act of 2013 - Requires the Secretary of Interior and the Secretary of Agriculture (USDA) to each establishes a wind and solar leasing pilot program and establishes the Renewable Energy Resource Conservation Fund for use in regions impacted by the development of wind or solar energy on public lands. NSBA is monitoring. S. 289 Commercial Real Estate and Economic Development (CREED) Act of 2013, which will extend for five years the low-interest refinancing provisions under the Local Development Business Program of the Small Business Administration (SBA). NSBA supports. S. 310 Startup Act 3.0 - This bill seeks to provide capital gains and income tax incentives to incentivize entrepreneurs and facilitate the growth of new start-ups, creates a new STEM visa for up to foreign students and establishes a new category of visas for immigrant entrepreneurs. NSBA supports. S. 320 Closing Regulatory Loopholes Act of 2013 Bill would require Congressional review over federal agency guidance documents and major guidance documents prior to implementation. NSBA supports. S. 418 Do-Not-Track Online Act of 2013 Bill would require the promulgating of regulations to address the collection and use of personal information obtained via the tracking of online activity. NSBA is monitoring. S. 450 Financial Regulatory Responsibility Act of 2013 Bill requires enhanced cost-benefit analysis and justification for certain regulations proposed by federal banking, securities, commodities, and housing regulators. NSBA supports. S. 471 Fair Access to Credit Scores Act of 2013 - Provides consumers with free access to their credit scores along with free access to their credit reports once each year. NSBA supports. S. 537 Communicating Lending Activity Reports from the Small Business Administration Act (CLEAR SBA) Act - require the SBA Administrator make publically available on the SBA website certain information regarding lenders making covered loans to small firms. NSBA is monitoring. S. 544 Rebuild American Manufacturing Act of 2013 - Bill directs President to develop a comprehensive national manufacturing strategy. NSBA supports. S. 603 The Jobs and Premium Protection Act The legislation would repeal the annual fee on health insurance providers enacted by the PPACA. NSBA supports. S. 718 Increasing American Jobs Through Greater Exports to Africa Act of 2013 -- Directs the President to establish a comprehensive U.S. strategy for public and private investment, trade, and development in Africa that focuses on: (1) increasing exports of U.S. goods and services to Africa by 200% in real dollar value within 10 years, (2) promoting the alignment of U.S. commercial interests with development priorities in Africa, (3) improving the competitiveness of U.S. businesses in Africa, (4) encouraging a greater understanding among U.S. business and financial communities of the opportunities Africa holds for U.S. exports, and (5) fostering partnership opportunities between U.S. and African SMEs. NSBA supports. S. 743 Marketplace Fairness Act Bill would allow states to require that Internet retailers located outside their borders collect sales taxes on purchases by their residents. Businesses with less than $1 million in annual online sales would be exempt, and the sponsors have estimated that fewer than 1,000 businesses would be required to collect sales taxes. NSBA is monitoring. S. 749 15-Year Depreciation bill A bill to amend the Internal Revenue Code of 1986 to permanently extend the 15-year recovery period for qualified leasehold improvement property, qualified restaurant property, and qualified retail improvement property. NSBA supports.S. 786 Restoring Honesty for our Economy Act Bill to require agencies to quantify costs associated with proposed economically significant regulations. NSBA is monitoring. S. 787 Restoring Integrity to our Government Act Bill to require agencies to set forth reasons for determining that a proposed regulatory action is significant. NSBA is monitoring. S. 807 Plain Writing Act for Regulations for 2013 - Bill requires all new or substantially revised federal regulations to be written in clear, concise and easy to understand, or plain language. NSBA supports. S. 884 Deter Cyber Theft Act Bill requires the Director of National Intelligence to develop a watch list and a priority watch list of foreign countries that engage in economic or industrial espionage in cyberspace regarding U.S. trade secrets or other proprietary information. NSBA is monitoring. S. 1009 Chemical Safety Improvement Act Bill to reauthorize and modernize the Toxic Substances Control Act. NSBA is monitoring. S. 1029 Regulatory Accountability Act of 2013 - Bill to reform the process by which federal agencies analysis and formulate new regulations and guidance documents. NSBA is monitoring. S. 1102 Export-Import Bank Termination Act -- Bill to abolish the Export-Import Bank of the United States three years after enactment of this Act. NSBA opposes. S.1179 Small Business Export Growth Act of 2013 Bill will further lower barriers to exporting for small businesses by improving federal export assistance programs. NSBA supports. S. 1183 Death Tax Repeal Act of 2013 Bill amends the Internal Revenue Code to: (1) repeal the estate and generation-skipping transfer taxes, and (2) make permanent the maximum 35% gift tax rate and a $5 million lifetime gift tax exemption. Provides for an inflation adjustment to such exemption amount. NSBA supports. S. 1342 Small Business Investment Promotion Act Amends the Internal Revenue Code, with respect to the expensing allowance for depreciable business property, to make permanent: (1) the increased $200,000 expensing allowance for such property, (2) the increased $800,000 threshold amount for such property over which the expensing allowance is reduced. NSBA supports. S. 1353 Cybersecurity Act of 2013 Bill would implement and codify certain aspects of the Presidents Cybersecurity Executive Order, among other things. NSBA supports. S. 1392 Energy Savings and Industrial Competitiveness Act of 2013 - Bill would promote energy savings in residential and commercial buildings and industry, and for other purposes. NSBA supports. S. 1498 Small Business Tax Fairness Act legislation that will provide targeted tax relief to small businesses. NSBA supports. S. 1720 Patent Transparency and Improvements Act of 2013 Bill seeks to address the purported increase in patent litigation by introducing certain reforms to deter bad actors from brining patent infringement actions or sending demand letters. NSBA is monitoring. S. 1900 Bipartisan Congressional Trade Priorities Act of 2014 Bill will restore the presidents authority to negotiate trade deals by including strict requirements for Congressional consultations and access to information . NSBA supports. S. 1905 Electricity Security and Affordability Act Bill proposes reasonable alternatives to EPAs proposed rule regulating carbon pollution from new and soon to be released rule regarding existing power plants. NSBA supports. S. 2049 Transparency in Assertion of Patents Act Bill would seek to address and curb the practice of sending bad faith demand letters. NSBA is monitoring. S. 2146 Patent Fee Integrity Act Bill would allow the USPTO to keep all the user fees paid by inventors and businesses. NSBA supports. S. 2223 Minimum Wage Fairness Act Bill would increase the federal minimum wage from its current $7.25 per hour to $10.10 per hour over two years, and index the rate to inflation. The measure also includes language to extend increased Section 179 expensing, up to $500,000 for eligible purchases including computer software and qualified real estate, through 2016. NSBA is monitoring. S. 2260 Expiring Provisions Improvement Reform and Efficiency (EXPIRE) Act Bill would reinstate and extend certain expired and expiring tax provisions through Dec. 31, 2015; most of the provisions expired on Dec. 31, 2013, and would be retroactively reinstated, but a few are scheduled to expire on Dec. 31, 2014. NSBA supports. S. 2262 Energy Savings and Industrial Competitiveness Act -- Bill would promote and facilitate the development and deployment of new energy efficiency technologies and adoption of more efficient processes. NSBA supports. S. 2486 Restoring Overtime Pay for Working Americans Act Bill amends the Fair Labor Standards Act of 1938 to establish salary thresh-olds for and limitations on executive, administrative, and professional employees and address highly compensated employees, for purposes of the requirements for exemption from the Federal minimum wage and maximum hour provisions. NSBA is monitoring.

Client expense: $36,000 · Firm income: Not reported

Government targets: Bureau of Citizenship & Immigration Services (BCIS), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Export-Import Bank of the United States (EXIM Bank), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Office of Personnel Management (OPM), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), White House Office

504 Subsidy Rate SBA Lender Oversight 504 Loan Policy Changes Senate bill number S. 289 & House bill number H.R. 1240

Client expense: $55,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), White House Office

Small business/hospitality industry access to commercial credit; reauthorization of SBA 504 loan re-financing program -- H.R. 1240, S. 289

Client expense: Not reported · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES

S. 1188 and H.R. 2575 provisions on work hours; H.R. 2131 (Skills Visa Act), S. 744 (Comprehensive Immigration Reform), H.R. 1772 (Legal Workforce Act), H.R. 1354 (JOLT Act of 2013); HR 1240, S. 289, reauthorization of SBA 504 loan re-fi program; Tax reform - 1031 exchange program; Issues regarding JOLT Act; including visa waiver program and other travel and tourism items.

Client expense: Not reported · Firm income: Not reported

S. 1188 and H.R. 2575 provisions on work hours; H.R. 2131 (Skills Visa Act), S. 744 (Comprehensive Immigration Reform), H.R. 1772 (Legal Workforce Act), H.R. 1354 (JOLT Act of 2013); HR 1240, S. 289, reauthorization of SBA 504 loan re-fi program; Tax reform - 1031 exchange program; Issues regarding JOLT Act; including visa waiver program and other travel and tourism items.

Client expense: Not reported · Firm income: Not reported

S. 1188 and H.R. 2575 provisions on work hours; H.R. 2131 (Skills Visa Act), S. 744 (Comprehensive Immigration Reform), H.R. 1772 (Legal Workforce Act), H.R. 1354 (JOLT Act of 2013); HR 1240, S. 289, reauthorization of SBA 504 loan re-fi program; Tax reform - 1031 exchange program; Issues regarding JOLT Act; including visa waiver program and other travel and tourism items.

Client expense: Not reported · Firm income: Not reported

S. 1188 and H.R. 2575 provisions on work hours; H.R. 2131 (Skills Visa Act), S. 744 (Comprehensive Immigration Reform), H.R. 1772 (Legal Workforce Act), H.R. 1354 (JOLT Act of 2013); HR 1240, S. 289, reauthorization of SBA 504 loan re-fi program; Tax reform - 1031 exchange program; Issues regarding JOLT Act; including visa waiver program and other travel and tourism items.

Client expense: Not reported · Firm income: Not reported

S. 1188 and H.R. 2575 provisions on work hours; H.R. 2131 (Skills Visa Act), S. 744 (Comprehensive Immigration Reform), H.R. 1772 (Legal Workforce Act), H.R. 1354 (JOLT Act of 2013); HR 1240, S. 289, reauthorization of SBA 504 loan re-fi program; Tax reform - 1031 exchange program; Issues regarding JOLT Act; including visa waiver program and other travel and tourism items.

Client expense: Not reported · Firm income: Not reported

see next pageIssues Related To Small Business S.537 - Clear SBA Act H.R.1240/S.289 - Commercial Real Estate and Economic Development Act of 2013 Issues Related To Data Security/Privacy S.635/H.R.749 - Privacy Notice Modernization Act of 2013 S.947 - SAFE Act Confidentiality & Privilege Enhancement Act S.1927 - Data Security Act of 2014 Issues Related To Banking S.673 - Protecting Consumers from Unreasonable Credit Rates Act of 2013 H.R.1261- Overdraft Protection Act of 2013 S.737/H.R. 1221 - BASEL III Study Issues related to The Wall Street Reform and Consumer Protection Act Issues Related To Cyber Security H.R.624 - Cyber Intelligence Sharing and Protection Act H.Res.164 - Providing for consideration of the bill (H.R. 624) to provide the sharing of certain cyber threat intelligence and cyber threat information between the intelligence community and cybersecurity entities, and for other purposes. H.R.756 - Cybersecurity Enhancement Act of 2013 S.1927 - Cybersecurity and American Cyber Competitiveness Act of 2013 S.1353 - Cyber Security Act Of 2013 Issues Related To Consumer Financial Protection Bureau Potential Legislation and Education Regarding the CFPB. Issues related to CFPB and banking agency regulatory bulletins Issues Related To Student Loans S.546 - Smarter Borrowing Act S.1266 - Refinancing Education Funding to Invest (REFI) for the Future Act of 2013 H.R.2661 - The Fair Student Credit Act of 2013 S.1803 - Student Loan Borrower Bill of Rights House Joint Resolution 59 - The Bipartisan Budget Act of 2013 Issues Related to Flood Insurance H.R.3370 - Homeowner Flood Insurance Affordability Act of 2013 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. Issues Related to Postal Service S.1486 - The Postal Reform Act of 2014Regulations: Bank Capital, 12 CFR Parts 167, 325 Community Reinvestment Act Regulations, 12 CFR parts 25, 195, 228 and 345 Debit card interchange, 12 CFR Part 235, Regulation II Forced-place flood insurance, 12 CFR Part 339 Regulation B, 12 CFR Part 202, 1002 (ECOA) Regulation C, 12 CFR Part 203, 1003 (HMDA) Regulation D, 12 CFR Part 1004 (Alternative Mortgage Transaction Parity) Regulation E, 12 CFR Part 205, 1005 (EFTA) Regulation F, 12 CFR Part 1006 (FDCPA) Regulation G, 12 CFR Part 1007 (SAFE) Regulation H, 12 CFR Part 1008 (SAFE) Regulation I, 12 CFR Part 1009 Regulation J, 12 CFR Part 1010 Regulation K, 12 CFR Part 1011 Regulation L, 12 CFR Part 1012 Regulation M, 12 CFR Part 1013 Regulation N, 12 CFR Part 1014 Regulation O, 12 CFR Part 1015 Consumer Privacy, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting, 12 CFR Parts 41, 171, 334, 1022 Regulation X, 12 CFR Part 1024 (RESPA) Regulation Z, 12 CFR Part 1026 (TILA) Regulation DD, 12 CFR Parts 230, 1030 (TISA) Regulation YY, 12 CFR 252 (Enhanced Prudential Standards) Disclosure of records and information, 12 CFR Part 1070 Rule implementing EAJA, 12 CFR Part 1071 Nondiscrimination based on disability, 12 CFR Part 1072 Rulemaking procedures, 12 CFR Part 1074 Rules relating to CFPB investigations, 12 CFR Part 1080 Rules of practice for adjudication proceeding, 12 CFR Part 1081 State official notification rules, 12 CFR Part 1082 CFPBs larger participant rules, 12 CFR Part 1090 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to Telephone Consumer Protection Act

Client expense: $530,000 · Firm income: Not reported

Government targets: Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

H.Con.Res. 25 House Budget Resolution Calls for an estimated $4.6 trillion in federal spending cuts (based on current policy) from 2014-2023 and provides for no additional tax revenue. NSBA is monitoring. H.R. 3 Northern Route Approval Act of 2013 Bill to expedite approval of the Keystone XL pipeline. NSBA is monitoring.H.R. 25 Fair Tax Act of 2013 Legislation to abolish the Internal Revenue Service and enact a national retail sales tax. NSBA supports. H.R. 30 Small Business Investment enhancement and Tax Relief Act - Establishes an early-stage investment program to provide equity financing to support early-stage businesses and provide a small business investment tax credit of 20%. NSBA is monitoring. H.R. 168 Business Freedom of Commerce Act Bill would allow a small business operating in the United States to elect to be exempt from any federal rule or regulation issued on or after January 20, 2009, among other things. NSBA is monitoring. H.R. 309 Regulatory Sunset and Review Act Bill requires federal agencies (either by someone who has been adversely affected or via a Congressional committee) to review their covered rules and modify, consolidate, or terminate such rules on a periodic basis. NSBA is monitoring. H.R. 367 Regulations from the Executive in Need of Scrutiny Act of 2013 Bill would require Congressional approval for major regulations. NSBA is monitoring. H.R. 375 Made in America Manufacturing Act of 2013 - Directs the Secretaries of Commerce and Labor to establish a program for the joint award of incentive grants to a state or a regional partnership to support the U.S. manufacturing industry, among other things. NSBA supports. H.R. 400 Clean Energy Technology Manufacturing and Assistance Act Bill establishes a Clean Energy Technology Manufacturing and Export Assistance Fund to ensure that U.S. clean energy technology firms have the information and assistance they need to be competitive and to create clean energy technology sector jobs, among other things. NSBA is monitoring. H.R. 407 Clean Vehicles Incentive Act of 2013 Bill allows certain businesses located in areas designated as nonattainment areas under the Clean Air Act a general business tax credit for the cost of certain clean-fuel vehicle property and the use of clean-burning fuel. NSBA is monitoring. H.R. 596 Public Lands Renewable Energy Development Act of 2013 - Requires the Secretary of Interior and the Secretary of Agriculture (USDA) to each establishes a wind and solar leasing pilot program and establishes the Renewable Energy Resource Conservation Fund for use in regions impacted by the development of wind or solar energy on public lands. NSBA is monitoring. H.R. 624 Cyber Intelligence and Sharing Protection Act of 2013 Bill seeks to help foster voluntary cyber threat information sharing between the private sector and the federal government, while at the same time hope to ensure certain privacy and civil liberties protections. NSBA is monitoring. H.R. 684 Marketplace Fairness Act of 2013 Bill would allow states to require that Internet retailers located outside their borders collect sales taxes on purchases by their residents. Businesses with less than $1 million in annual online sales would be exempt, and the sponsors have estimated that fewer than 1,000 businesses would be required to collect sales taxes. NSBA is monitoring. H.R. 688 Credit Union Small Business Jobs Creation Act of 2013 - Increases the credit union member business lending limit from 12.25 percent to 27.5 percent, among other things. NSBA supports. H.R. 701 Bill amends a provision of the Securities Act of 1933 to direct the Securities and Exchange Commission to add a particular class of securities to those exempted under the Act and to provide a deadline for doing so. NSBA supports. H.R. 756 - Cybersecurity Enhancement Act of 2013 Bill seeks to improve information sharing between the private sector and the federal government and continue much-needed cybersecurity research and development programs. NSBA is monitoring. H.R. 763 The Jobs and Premium Protection Act Bill will act to amend the PPACA to repeal provisions imposing an annual fee on health insurance providers. NSBA supports. H.R. 776 Security in Bonding Act of 2013 Bill would provide easier access to surety bonds for small construction firms to improve participation in the federal marketplace. NSBA is monitoring. H.R. 967 Advancing Americas Networking and Information Technology Research and Development Act of 2013 Bill seeks to foster information sharing between the private sector and the federal government and develop a strategic plan for information sharing and cybersecurity research and development within various relevant federal agencies. NSBA is monitoring. H.R. 1002 Fair Access to Credit Scores Act of 2013 Provides consumers with free access to their credit scores along with free access to their credit reports once each year. NSBA supports. H.R. 1062 SEC Regulatory Accountability Act Bill requires the SEC to undertake an enhanced cost-benefit analysis before adopting any new regulations. NSBA supports. H.R. 1072 Freedom from Government Competition Act - Requires each executive or military department or independent establishment to obtain all goods and services necessary for or beneficial to the accomplishment of its authorized functions by procurement from private sources, with certain exceptions. NSBA supports. H.R. 1127 Rebuild American Manufacturing Act of 2013 Bill directs President to develop a comprehensive national manufacturing strategy. NSBA supports.H.R. 1138 Small Business Clean Energy Financing Act of 2013 Bill would establish a new loan guarantee program within the U.S. Small Business Administration for clean technology companies. NSBA is monitoring. H.R. 1219 Gulf Fisheries Fairness Act Bill would increase state water boundaries to 120 feet or 9 nautical miles (whichever is greater) and gives states greater control over their reef fisheries to open up more waters for commercial and recreational fishermen. NSBA supports. H.R. 1240 - Commercial Real Estate and Economic Development (CREED) Act of 2013, which will extend for five years the low-interest refinancing provisions under the Local Development Business Program of the Small Business Administration (SBA). NSBA supports. H.R. 1321 Small Business Paperwork Relief Act Bill would suspend civil fines for first-time paperwork violations by small business concerns unless there is potential for serious harm to the public interest and other relevant conditions. NSBA supports. H.R. 1332 American Jobs Matter Act of 2013 Bill to allow contracting officers to consider information regarding domestic employment before awarded a federal contract. NSBA is monitoring. H.R. 1557 Plain Writing Act for Regulations for 2013 Bill requires all new or substantially revised federal regulations to be written in clear, concise and easy to understand, or plain language. NSBA supports. H.R. 1616 - Energy Savings and Industrial Competitiveness Act - Bill would promote energy savings in residential and commercial buildings and industry, and for other purposes. NSBA supports. H.R. 1772 The Legal Workforce Act Bill would make the use of E-Verify mandatory for new hires and impose severe employer penalties. NSBA opposes. H.R. 1773 The Agricultural Guestworker Act Bill would create a simplified and expanded agricultural guest worker program. NSBA supports. H.R. 1909 Export Coordination Act of 2013 Bill would establish stronger congressional oversight and coordination of trade assistance across 20 agencies. NSBA supports. H.R. 1916 TRADE (Transparent Rules Allow Direct Exporting) for Small Businesses and Jobs Act Bill is directed at helping SMEs stay current on changing foreign regulations. It requires Commerce (via MAC) to publish changes in tariff/non-tariff and technical barriers on export.gov or a successor website. NSBA supports. H.R. 1926 State Trade Coordination Act of 2013 Bill would establish the framework to ensure that federal and state trade agencies work in unison to assist their local exporters. NSBA supports. H.R. 2122 Regulatory Accountability Act of 2013 Bill to reform the process by which federal agencies analysis and formulate new regulations and guidance documents. NSBA is monitoring. H.R. 2131 The Supplying Knowledge Based Immigrants and Lifting Levels of STEM Visas Act Bill would allocate green cards to foreign graduates of U.S. universities with advanced degrees in science, technology, engineering, and math (STEM) fields, increase H-1B visas, repeal the employment-based per-country cap, establish a new entrepreneur visa program and strengthen the investor visa program. NSBA supports. H.R. 2232 Make Every Small Business Count Act of 2013 Bill would allow prime contractors covered by a subcontracting plan under a single contract with a federal agency to receive credit against such a plan for using small business subcontractors and any level of subcontracting. NSBA is monitoring. H.R. 2263 Export-Import Bank Termination Act Bill to abolish the Export-Import Bank of the United States three years after enactment of this Act. NSBA opposes. H.R. 2274 Small Business Mergers, Acquisitions, Sales and Brokerage Simplification Act of 2013 Bill would allow merger and acquisition brokers who perform services in connection with the transfer of ownership of smaller privately held companies to register with the SEC by filing an electronic notice. NSBA supports. H.R. 2429 - Death Tax Repeal Act of 2013 - Bill amends the Internal Revenue Code to: (1) repeal the estate and generation-skipping transfer taxes, and (2) make permanent the maximum 35% gift tax rate and a $5 million lifetime gift tax exemption. Provides for an inflation adjustment to such exemption amount. NSBA supports. H.R. 2452 - Women's Procurement Program Equalization Act of 2013 - Bill would standardize sole source contracts for women-owed small business helping to place them on equal footing as other similarly situated small businesses with respect to the SBA's procurement programs. NSBA is monitoring. H.R. 2542 - Regulatory Flexibility Improvements Act of 2013 - Bill amends the Regulatory Flexibility Act to ensure complete analysis of potential impacts on small entities of federal rules. NSBA is monitoring. H.R. 2582 PATENT Jobs Act Bill exempts USPTO from Presidential Sequestration Order issued on March 1, 2013. NSBA supports. H.R. 2593 Cost-Benefit and Regulatory Transparency Enhancement Act of 2013 Bill requires reports on the results of and methods used to calculate any cost-benefit or regulatory impact analysis. NSBA is monitoring.H.R. 2751 Commonsense Construction Contracting Act of 2013 Bill would prohibit reverse auction methods from being used in the case of any contract for the procurement of design and construction services if the contract is suitable for award to a small business, or if the award is made under other relevant SBA provisions. NSBA is monitoring. H.R. 2882 Improving Opportunities for Service-Disabled Veteran-Owned Small Businesses Act of 2013 Bill amends the Small Business Act to allow, under certain conditions, the surviving spouse of a service-disabled veteran to be treated as if the surviving spouse were that veteran for the purpose of maintaining the business's status, among other provisions. NSBA is monitoring. H.R. 3169 IRS Rulemaking Fairness Act of 2013 Expands requirements relating to review of federal agency actions that have a significant economic impact on small entities (e.g., small organizations and businesses) to include rulemaking by the Internal Revenue Service (IRS). NSBA is monitoring. H.R. 3826 Electricity Security and Affordability Act Bill proposes reasonable alternatives to EPAs proposed rule regulating carbon pollution from new and soon to be released rule regarding existing power plants. NSBA supports. H.R. 3830 Bipartisan Congressional Trade Priorities Act of 2014 Bill will restore the presidents authority to negotiate trade deals by including strict requirements for Congressional consultations and access to information . NSBA supports. H.R. 4093 Greater Opportunities for Small Business Act of 2014 Bill would increase the small business prime contracting goal to 25% and the small business subcontracting goal to 40%. NSBA supports. H.R. 4094 Contracting Data and Bundling Accountability Act of 2014 Bill would improve the gathering and transparency of contract bundling data to enhance accountability and small business contracting opportunities. NSBA is monitoring. H.R. 4121 Small Business Development Centers Improvements Act of 2014 Bill would provide improvements to Small Business Development Centers by, among other things, repealing certain provisions prohibiting grant awards for marketing and advertising services, improves data collection efforts, and allowing SBDCs to collect fees and other income from partnerships and co-sponsorships. NSBA is monitoring. H.R. 4438 American Research and Competitiveness Act of 2014 Bill amends the Internal Revenue Code of 1986 to simplify and make permanent the research credit. NSBA supports. H.R. 4457 Americas Small Business Tax Relief Act of 2014 The legislation would make permanent section 179 expensing and allow businesses to deduct up to $500,000 annually in expenses incurred buying machinery, equipment, computer software, and similar items. NSBA supports. S. 15 Regulations from the Executive in Need of Scrutiny (REINS) Act of 2013 - Bill would require Congressional approval for major regulations. NSBA is monitoring. S. 17 Energy Production and Project Delivery Act Bill would promote an all-of-the-above energy policy by opening up more areas to leasing, expediting energy projects, and preventing regulation of CO2 under the CAA. NSBA is monitoring. S. 21 Cybersecurity and American Cyber Competitiveness Act of 2013 Sense of Congress bill to highlight the need for improved coordination and collaboration between the private sector and the federal government regarding cyber threat and cyber-attack information, and the need to incorporate certain privacy and civil liberties protections in any future cybersecurity-related legislation. NSBA is monitoring. S. 63 Made in America Manufacturing Act - Directs the Secretaries of Commerce and Labor to establish a program for the joint award of incentive grants to a state or a regional partnership to support the U.S. manufacturing industry. NSBA supports. S. 169 I-Squared Act Bill increase H-1B visa cap and establishes an economic demand model to determine future increases or decreases in cap, eliminates per country numerical limitation for employment-based visas, exempts certain categories of persons from employment-based green card cap (i.e. students w/ advanced degree in STEM field), increases fees on H-1B applications which will be used towards STEM education and training. NSBA is monitoring. S. 189 Startup Visa Act Creates a new visa category for immigrant entrepreneurs. NSBA is monitoring. S. 192 Expedited LNG for America Allies Act of 2013 Bill would expedite the approval process for LNG exports to allies of America. NSBA is monitoring. S. 196 Assuring Contracting Equity Act of 2013 Increases govt wide contracting goal for small biz from 23% to 25 percent and requires federal agencies to consult with SBA to determine standards for procurement officers to follow re: past compliance of potential contractors with small business subcontracting goals. NSBA supports. S. 279 - Public Lands Renewable Energy Development Act of 2013 - Requires the Secretary of Interior and the Secretary of Agriculture (USDA) to each establishes a wind and solar leasing pilot program and establishes the Renewable Energy Resource Conservation Fund for use in regions impacted by the development of wind or solar energy on public lands. NSBA is monitoring. S. 289 Commercial Real Estate and Economic Development (CREED) Act of 2013, which will extend for five years the low-interest refinancing provisions under the Local Development Business Program of the Small Business Administration (SBA). NSBA supports.S. 310 Startup Act 3.0 - This bill seeks to provide capital gains and income tax incentives to incentivize entrepreneurs and facilitate the growth of new start-ups, creates a new STEM visa for up to foreign students and establishes a new category of visas for immigrant entrepreneurs. NSBA supports. S. 320 Closing Regulatory Loopholes Act of 2013 Bill would require Congressional review over federal agency guidance documents and major guidance documents prior to implementation. NSBA supports. S. 418 Do-Not-Track Online Act of 2013 Bill would require the promulgating of regulations to address the collection and use of personal information obtained via the tracking of online activity. NSBA is monitoring. S. 450 Financial Regulatory Responsibility Act of 2013 Bill requires enhanced cost-benefit analysis and justification for certain regulations proposed by federal banking, securities, commodities, and housing regulators. NSBA supports. S. 471 Fair Access to Credit Scores Act of 2013 - Provides consumers with free access to their credit scores along with free access to their credit reports once each year. NSBA supports. S. 537 Communicating Lending Activity Reports from the Small Business Administration Act (CLEAR SBA) Act - require the SBA Administrator make publically available on the SBA website certain information regarding lenders making covered loans to small firms. NSBA is monitoring. S. 540 Temporary Debt Limit Extension Act Measure suspends the current statutory limit on federal borrowing for one year, through March 15, 2015, which would allow the government to borrow whatever it needs through that time to fully finance government operations. NSBA supports. S. 544 Rebuild American Manufacturing Act of 2013 - Bill directs President to develop a comprehensive national manufacturing strategy. NSBA supports. S. 601 Water Resources Development Act Bill to provide for the conservation and development of water and related resources and to authorize the Army to construct various projects for improvements to rivers and harbors of the U.S. NSBA is monitoring. S. 603 The Jobs and Premium Protection Act The legislation would repeal the annual fee on health insurance providers enacted by the PPACA. NSBA supports. S. 718 Increasing American Jobs Through Greater Exports to Africa Act of 2013 -- Directs the President to establish a comprehensive U.S. strategy for public and private investment, trade, and development in Africa that focuses on: (1) increasing exports of U.S. goods and services to Africa by 200% in real dollar value within 10 years, (2) promoting the alignment of U.S. commercial interests with development priorities in Africa, (3) improving the competitiveness of U.S. businesses in Africa, (4) encouraging a greater understanding among U.S. business and financial communities of the opportunities Africa holds for U.S. exports, and (5) fostering partnership opportunities between U.S. and African small- and medium-sized enterprises. NSBA supports. S. 743 Marketplace Fairness Act Bill would allow states to require that Internet retailers located outside their borders collect sales taxes on purchases by their residents. Businesses with less than $1 million in annual online sales would be exempt, and the sponsors have estimated that fewer than 1,000 businesses would be required to collect sales taxes. NSBA is monitoring. S. 749 15-Year Depreciation bill A bill to amend the Internal Revenue Code of 1986 to permanently extend the 15-year recovery period for qualified leasehold improvement property, qualified restaurant property, and qualified retail improvement property. NSBA supports. S. 786 Restoring Honesty for our Economy Act Bill to require agencies to quantify costs associated with proposed economically significant regulations. NSBA is monitoring. S. 787 Restoring Integrity to our Government Act Bill to require agencies to set forth reasons for determining that a proposed regulatory action is significant. NSBA is monitoring. S. 807 Plain Writing Act for Regulations for 2013 - Bill requires all new or substantially revised federal regulations to be written in clear, concise and easy to understand, or plain language. NSBA supports. S. 884 Deter Cyber Theft Act Bill requires the Director of National Intelligence to develop a watch list and a priority watch list of foreign countries that engage in economic or industrial espionage in cyberspace regarding U.S. trade secrets or other proprietary information. NSBA is monitoring. S. 1009 Chemical Safety Improvement Act Bill to reauthorize and modernize the Toxic Substances Control Act. NSBA is monitoring. S. 1029 - Regulatory Accountability Act of 2013 - Bill to reform the process by which federal agencies analysis and formulate new regulations and guidance documents. NSBA is monitoring. S. 1102 Export-Import Bank Termination Act -- Bill to abolish the Export-Import Bank of the United States three years after enactment of this Act. NSBA opposes.S.1179 Small Business Export Growth Act of 2013 Bill will further lower barriers to exporting for small businesses by improving federal export assistance programs. NSBA supports. S. 1183 Death Tax Repeal Act of 2013 Bill amends the Internal Revenue Code to: (1) repeal the estate and generation-skipping transfer taxes, and (2) make permanent the maximum 35% gift tax rate and a $5 million lifetime gift tax exemption. Provides for an inflation adjustment to such exemption amount. NSBA supports. S. 1342 Small Business Investment Promotion Act Amends the Internal Revenue Code, with respect to the expensing allowance for depreciable business property, to make permanent: (1) the increased $200,000 expensing allowance for such property, (2) the increased $800,000 threshold amount for such property over which the expensing allowance is reduced. NSBA supports. S. 1353 Cybersecurity Act of 2013 Bill would implement and codify certain aspects of the Presidents Cybersecurity Executive Order, among other things. NSBA supports. S. 1392 Energy Savings and Industrial Competitiveness Act of 2013 - Bill would promote energy savings in residential and commercial buildings and industry, and for other purposes. NSBA supports. S. 1498 Small Business Tax Fairness Act legislation that will provide targeted tax relief to small businesses. NSBA supports. S. 1720 Patent Transparency and Improvements Act of 2013 Bill seeks to address the purported increase in patent litigation by introducing certain reforms to deter bad actors from brining patent infringement actions or sending demand letters. NSBA is monitoring. S. 1900 Bipartisan Congressional Trade Priorities Act of 2014 Bill will restore the presidents authority to negotiate trade deals by including strict requirements for Congressional consultations and access to information . NSBA supports. S. 1905 Electricity Security and Affordability Act Bill proposes reasonable alternatives to EPAs proposed rule regulating carbon pollution from new and soon to be released rule regarding existing power plants. NSBA supports. S. 2049 Transparency in Assertion of Patents Act Bill would seek to address and curb the practice of sending bad faith demand letters. NSBA is monitoring. S. 2146 Patent Fee Integrity Act Bill would allow the USPTO to keep all the user fees paid by inventors and businesses. NSBA supports. Reforming Federal Procurement of IT (REP-IT) Act Draft bill would create a new White House IT Office and a federal chief technology officer to provide oversight and help streamline the federal IT procurement process. NSBA is monitoring White House Conference on Small Business National Conference to develop a comprehensive, long-term small business agenda. NSBA supports. Patent Litigation Reform Discussion Draft Bill seeks to address the perceived increase in patent litigation through various reform measures. U.S. Securities and Exchange Commission (SEC) Proposed Rule re: Title 3 of the JOBS Act Crowdfunding. NSBA filed comments. Financial Industry Regulatory Authority (FINRA) Proposed Rule re: Title 3 of the JOBS Act Crowdfunding. NSBA is monitoring. America COMPETES Act Reauthorization Bill would provide federal funding for research in STEM fields. NSBA is monitoring. U.S. Environmental Protection Agency (EPA) Proposed Carbon Pollution Standard for Existing Power Plants. NSBA is monitoring.

Client expense: $38,000 · Firm income: Not reported

Government targets: Bureau of Citizenship & Immigration Services (BCIS), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Export-Import Bank of the United States (EXIM Bank), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Office of Personnel Management (OPM), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), White House Office

Improvement of Short Sales Process HR839 - Prompt Decision for Qualification for Short Sales Act S361 - Prompt Notification of Short Sales ActGSE Modifications HR736 - Responsible Homeowner Refinancing Act of 2013 HR1712 - Housing Opportunity and Mortgage Equity Act of 2013 HR2767 - The Protecting American Taxpayers and Homeowners Act of 2013 HR3550 - The New Fair Deal Banking and Housing Stability Act of 2013 S249 - Responsible Homeowner Refinancing Act of 2013 S536 - Jumpstart GSE Reform S1217 - Housing Finance and Taxpayer Protection Act of 2013 Basel III Capital Standards HR1693 - A bill to provide an exemption for community banks from the application of Basel III capital standards S737 - Basel III Impact Study Act Commercial Real Estate Refinancing HR1240 - A bill to extend the low-interest refinancing provisions under the Local Development Business Loan Program of the Small Business Administration S289 - Commercial Real Estate and Economic Development Act of 2013 S968 - Small Business Lending Enhancement Act of 2013 Fees and Points in the QM ATR Rules of Dodd-Frank HR3211 - Mortgage Choice Act of 2013 S949 - Consumer Mortgage Choice Act S1577 - Mortgage Choice Act of 2013 Credit Union Lending HR688 - A bill to amend the Federal Credit Union Act to provide certain credit unions with the authority to make additional member business loans, and for other purposes Conversations with the Treasury Department about Qualified Residential Mortgages (QRM) and the Home Affordable Modification Program (HAMP). Discussions with the Department of Housing and Urban Development (HUD) on loan limits, Qualified Residential Mortgages (QRM), condominiums, the FHA premium structure, and FHA loan limits. Conversations with the Consumer Finance Protection Board (CFPB) on the 3% cap, Qualified Residential Mortgages (QRM), Qualified Mortgages (QM), loan servicing, the "Know Before You Owe" program, and the Real Estate Settlement Procedures Act (RESPA). Conversations with the Federal Housing Finance Agency (FHFA) about loan limits and Government Sponsored Enterprises (GSE) refrom. Discussions with the Federal Deposit Insurance Corporation (FDIC) about Qualified Residential Mortgages (QRM). Discussions with the Office of the Comptroller of the Currency (OCC) about Qualified Residential Mortgages (QRM). Discussions with the Securities and Exchange Commission about Qualified Residential Mortgages (QRM). Conversations with the White House National Economic Council regarding housing finance.

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

Government targets: Agriculture, Dept of (USDA), Energy, Dept of, Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, Veterans Affairs, Dept of (VA)

see next pageIssues Related To Small Business S.537 - Clear SBA Act H.R.1240/S.289 - Commercial Real Estate and Economic Development Act of 2013 Issues Related To Data Security/Privacy S.635/H.R.749 - Privacy Notice Modernization Act of 2013 S.947 - SAFE Act Confidentiality & Privilege Enhancement Act Issues Related To Banking S.673 - Protecting Consumers from Unreasonable Credit Rates Act of 2013 H.R.1261- Overdraft Protection Act of 2013 S.737/H.R. 1221 - BASEL III Study Issues related to The Wall Street Reform and Consumer Protection Act Issues Related To Cyber Security H.R.624 - Cyber Intelligence Sharing and Protection Act H.Res.164 - Providing for consideration of the bill (H.R. 624) to provide the sharing of certain cyber threat intelligence and cyber threat information between the intelligence community and cybersecurity entities, and for other purposes. H.R.756 - Cybersecurity Enhancement Act of 2013 S.1927 - Cybersecurity and American Cyber Competitiveness Act of 2013 S.1353 - Cyber Security Act Of 2013 Issues Related To Consumer Financial Protection Bureau Potential Legislation and Education Regarding the CFPB. Issues Related To Student Loans S.546 - Smarter Borrowing Act S.1266 - Refinancing Education Funding to Invest (REFI) for the Future Act of 2013 H.R.2661 - The Fair Student Credit Act of 2013 S.1803 - Student Loan Borrower Bill of Rights House Joint Resolution 59 - The Bipartisan Budget Act of 2013 Regulations: Bank Capital, 12 CFR Parts 167, 325 Community Reinvestment Act Regulations, 12 CFR parts 25, 195, 228 and 345 Debit card interchange, 12 CFR Part 235, Regulation II Forced-place flood insurance, 12 CFR Part 339 Regulation B, 12 CFR Part 202, 1002 (ECOA) Regulation C, 12 CFR Part 203, 1003 (HMDA) Regulation D, 12 CFR Part 1004 (Alternative Mortgage Transaction Parity) Regulation E, 12 CFR Part 205, 1005 (EFTA) Regulation F, 12 CFR Part 1006 (FDCPA)Regulation G, 12 CFR Part 1007 (SAFE) Regulation H, 12 CFR Part 1008 (SAFE) Regulation I, 12 CFR Part 1009 Regulation J, 12 CFR Part 1010 Regulation K, 12 CFR Part 1011 Regulation L, 12 CFR Part 1012 Regulation M, 12 CFR Part 1013 Regulation N, 12 CFR Part 1014 Regulation O, 12 CFR Part 1015 Consumer Privacy, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting, 12 CFR Parts 41, 171, 334, 1022 Regulation X, 12 CFR Part 1024 (RESPA) Regulation Z, 12 CFR Part 1026 (TILA) Regulation DD, 12 CFR Parts 230, 1030 (TISA) Regulation YY, 12 CFR 252 (Enhanced Prudential Standards) Disclosure of records and information, 12 CFR Part 1070 Rule implementing EAJA, 12 CFR Part 1071 Nondiscrimination based on disability, 12 CFR Part 1072 Rulemaking procedures, 12 CFR Part 1074 Rules relating to CFPB investigations, 12 CFR Part 1080 Rules of practice for adjudication proceeding, 12 CFR Part 1081 State official notification rules, 12 CFR Part 1082 CFPBs larger participant rules, 12 CFR Part 1090 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to CFPB and banking agency regulatory bulletins Issues related to Telephone Consumer Protection Act

Client expense: $530,000 · Firm income: Not reported

Government targets: Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Small business/hospitality industry access to commercial credit; reauthorization of SBA 504 loan re-financing program -- H.R. 1240, S. 289

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

504 Subsidy Rate SBA Lender Oversight 504 Loan Policy Changes Senate bill number S. 289 & House bill number H.R. 1240

Client expense: $74,600 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA), White House Office

Adult Education and Economic Growth Act (S. 1400); America Works Act (S. 453); BUILD Career and Technical Education Act (S. 1293); Community College to Career Fund (S. 1269); Manufacturing Universities (not yet introduced); New Skills for New Jobs (not yet introduced); On-the-Job Training Act (S. 1227); Race to the Shop (not yet introduced); SECTORS Act (S. 1226); Skills Gap Strategy Act (not yet introduced); Women and Minorities in STEM Booster Act of 2013 (S. 288); CONTINUEDAmerican Export Promotion Act of 2013 (not yet introduced); Currency Exchange Rate Oversight Reform Act (S. 1114); FAIR Enforcement Against Duty Evasion Act (not yet introduced); Green Energy Technology Manufacturing and Export Assistance Act of 2013 (not yet introduced); SelectUSA Authorization Act of 2013 (not yet introduced); Small Business Export Growth Act (S. 1179); Amend Section 179 Depreciation (S. 1298); Angel Investment Tax Credit Act of 2013 (not yet introduced); Bring Jobs Home Act (S. 337); Build America Bonds (not yet introduced); CREED Act (S. 289); Energy-Efficient Cool Roof Jobs Act (not yet introduced); Expanding Industrial Energy and Water Efficiency Incentives Act of 2013 (not yet introduced); Job Creation through Energy Efficient Manufacturing (not yet introduced); Make It in America Tax Credit Act (not yet introduced); Manufacturing Reinvestment Account (not yet introduced); MLP Parity Act (S. 795); Small BREW Act (S. 917); Small Business Savings Account (not yet introduced); Startup Innovation Credit Act (S. 193); America Recruits Act (not yet introduced); American Jobs Matter Act (S. 1246); American Manufacturing Initiative (not yet introduced); Building a Stronger America Act of 2013 (not yet introduced); Clean Technology Consortia (not yet introduced); Fab Lab (not yet introduced); Made in America Manufacturing Act (S. 63); Native Small Business Conformity Act of 2013 (not yet introduced); Rebuild American Manufacturing Act (S. 544); Restoring America's Manufacturing Competitiveness Act of 2013 (not yet introduced); Revitalize American Manufacturing Act of 2013 (S.1468) - all manufacturing provisions of these bills.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 289

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA)

Senate bill number - S.289 & House bill number - H.R. 1240 504 Subsidy Rate SBA Lender Oversight 504 Loan Policy Changes

Client expense: Not reported · Firm income: Not reported

Small Business Issues to include fairness and lending; H.R.1240, Commercial Real Estate and Economic Development (CREED) Act of 2013; S. 289, CREED Act; Retirement savings as affected by DoL definition of fiduciary duty

Client expense: $1,800,000 · Firm income: Not reported

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Defense, Dept of (DOD), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

H.Con.Res. 25 House Budget Resolution Calls for an estimated $4.6 trillion in federal spending cuts (based on current policy) from 2014-2023 and provides for no additional tax revenue. NSBA is monitoring.H.J.Res. 59 Continuing Appropriations Resolution, 2014 Bill woould fund federal agencies at an annualized rate of more than $986 billion, the same level as for fiscal year (FY) 2013, but would also leave in place another round of automatic spending cuts known as sequestration, set to take effect in January 2014. NSBA supports. H.J.Res. 89 Excepted Employees' Pay Continuing Appropriations Resolution Makes appropriations for FY2014 to pay the salaries and related expenses of federal employees who work during the period beginning October 1, 2013, and ending December 15, 2013. NSBA is monitoring. H.R. 3 Northern Route Approval Act of 2013 Bill to expedite approval of the Keystone XL pipeline. NSBA is monitoring. H.R. 25 Fair Tax Act of 2013 Legislation to abolish the Internal Revenue Service and enact a national retail sales tax. NSBA supports. H.R. 30 Small Business Investment Enhancement and Tax Relief Act - Establishes an early-stage investment program to provide equity financing to support early-stage businesses and provide a small business investment tax credit of 20%. NSBA is monitoring. H.R. 168 Business Freedom of Commerce Act Bill would allow a small business operating in the United States to elect to be exempt from any federal rule or regulation issued on or after January 20, 2009, among other things. NSBA is monitoring. H.R. 309 Regulatory Sunset and Review Act Bill requires federal agencies (either by someone who has been adversely affected or via a Congressional committee) to review their covered rules and modify, consolidate, or terminate such rules on a periodic basis. NSBA is monitoring. H.R. 367 Regulations from the Executive in Need of Scrutiny Act of 2013 Bill would require Congressional approval for major regulations. NSBA is monitoring. H.R. 375 Made in America Manufacturing Act of 2013 - Directs the Secretaries of Commerce and Labor to establish a program for the joint award of incentive grants to a state or a regional partnership to support the U.S. manufacturing industry, among other things. NSBA supports. H.R. 400 Clean Energy Technology Manufacturing and Assistance Act Bill establishes a Clean Energy Technology Manufacturing and Export Assistance Fund to ensure that U.S. clean energy technology firms have the information and assistance they need to be competitive and to create clean energy technology sector jobs, among other things. NSBA is monitoring. H.R. 407 Clean Vehicles Incentive Act of 2013 Bill allows certain businesses located in areas designated as nonattainment areas under the Clean Air Act a general business tax credit for the cost of certain clean-fuel vehicle property and the use of clean-burning fuel. NSBA is monitoring. H.R. 596 Public Lands Renewable Energy Development Act of 2013 - Requires the Secretary of Interior and the Secretary of Agriculture (USDA) to each establishes a wind and solar leasing pilot program and establishes the Renewable Energy Resource Conservation Fund for use in regions impacted by the development of wind or solar energy on public lands. NSBA is monitoring. H.R. 624 Cyber Intelligence and Sharing Protection Act of 2013 Bill seeks to help foster voluntary cyber threat information sharing between the private sector and the federal government, while at the same time hope to ensure certain privacy and civil liberties protections. NSBA is monitoring. H.R. 684 Marketplace Fairness Act of 2013 Bill would allow states to require that Internet retailers located outside their borders collect sales taxes on purchases by their residents. Businesses with less than $1 million in annual online sales would be exempt, and the sponsors have estimated that fewer than 1,000 businesses would be required to collect sales taxes. NSBA is monitoring. H.R. 688 Credit Union Small Business Jobs Creation Act of 2013 - Increases the credit union member business lending limit from 12.25 percent to 27.5 percent, among other things. NSBA supports. H.R. 701 Bill amends a provision of the Securities Act of 1933 to direct the Securities and Exchange Commission to add a particular class of securities to those exempted under the Act and to provide a deadline for doing so. NSBA supports. H.R. 756 - Cybersecurity Enhancement Act of 2013 Bill seeks to improve information sharing between the private sector and the federal government and continue much-needed cybersecurity research and development programs. NSBA is monitoring. H.R. 763 The Jobs and Premium Protection Act Bill will act to amend the PPACA to repeal provisions imposing an annual fee on health insurance providers. NSBA supports. H.R. 967 Advancing Americas Networking and Information Technology Research and Development Act of 2013 Bill seeks to foster information sharing between the private sector and the federal government and develop a strategic plan for information sharing and cybersecurity research and development within various relevant federal agencies. NSBA is monitoring. H.R. 1002 Fair Access to Credit Scores Act of 2013 Provides consumers with free access to their credit scores along with free access to their credit reports once each year. NSBA supports. H.R. 1062 SEC Regulatory Accountability Act Bill requires the SEC to undertake an enhanced cost-benefit analysis before adopting any new regulations. NSBA supports.H.R. 1072 Freedom from Government Competition Act - Requires each executive or military department or independent establishment to obtain all goods and services necessary for or beneficial to the accomplishment of its authorized functions by procurement from private sources, with certain exceptions. NSBA supports. H.R. 1120 Preventing Greater Uncertainty in Labor-Management Relations Act Bill would prohibit the National Labor Relations Board from taking any action that requires a quorum of the members of the Board until such time as Board constituting a quorum shall have been confirmed by the Senate. NSBA supports. H.R. 1127 Rebuild American Manufacturing Act of 2013 Bill directs President to develop a comprehensive national manufacturing strategy. NSBA supports. H.R. 1138 Small Business Clean Energy Financing Act of 2013 Bill would establish a new loan guarantee program within the U.S. Small Business Administration for clean technology companies. NSBA is monitoring. H.R. 1219 Gulf Fisheries Fairness Act Bill would increase state water boundaries to 120 feet or 9 nautical miles (whichever is greater) and gives states greater control over their reef fisheries to open up more waters for commercial and recreational fishermen. NSBA supports. H.R. 1240 - Commercial Real Estate and Economic Development (CREED) Act of 2013, which will extend for five years the low-interest refinancing provisions under the Local Development Business Program of the Small Business Administration (SBA). NSBA supports. H.R. 1321 Small Business Paperwork Relief Act Bill would suspend civil fines for first-time paperwork violations by small business concerns unless there is potential for serious harm to the public interest and other relevant conditions. NSBA supports. H.R. 1332 American Jobs Matter Act of 2013 Bill to allow contracting officers to consider information regarding domestic employment before awarded a federal contract. NSBA is monitoring. H.R. 1406 Working Families Flexibility Act of 2013 Bill would amend the Fair Labor Standards Act to authorize private employers to provide compensatory time off to private employees at a rate of 1 1/2 hours per hour of employment for which overtime compensation is required. NSBA supports. H.R. 1557 Plain Writing Act for Regulations for 2013 Bill requires all new or substantially revised federal regulations to be written in clear, concise and easy to understand, or plain language. NSBA supports. H.R. 1772 The Legal Workforce Act Bill would make the use of E-Verify mandatory for new hires and impose severe employer penalties. NSBA opposes. H.R. 1773 The Agricultural Guestworker Act Bill would create a simplified and expanded agricultural guest worker program. NSBA supports. H.R. 1909 Export Coordination Act of 2013 Bill would establish stronger congressional oversight and coordination of trade assistance across 20 agencies. NSBA supports. H.R. 1916 TRADE (Transparent Rules Allow Direct Exporting) for Small Businesses and Jobs Act Bill is directed at helping SMEs stay current on changing foreign regulations. It requires Commerce (via MAC) to publish changes in tariff/non-tariff and technical barriers on export.gov or a successor website. NSBA supports. H.R. 1926 State Trade Coordination Act of 2013 Bill would establish the framework to ensure that federal and state trade agencies work in unison to assist their local exporters. NSBA supports. H.R. 2122 Regulatory Accountability Act of 2013 Bill to reform the process by which federal agencies analysis and formulate new regulations and guidance documents. NSBA is monitoring. H.R. 2131 The Supplying Knowledge Based Immigrants and Lifting Levels of STEM Visas Act Bill would allocate green cards to foreign graduates of U.S. universities with advanced degrees in science, technology, engineering, and math (STEM) fields, increase H-1B visas, repeal the employment-based per-country cap, establish a new entrepreneur visa program and strengthen the investor visa program. NSBA supports. H.R. 2232 - Make Every Small Business Count Act of 2013 - Bill would allow prime contractors covered by a subcontracting plan under a single contract with a federal agency to receive credit against such a plan for using small business subcontractors and any level of subcontracting. NSBA is monitoring. H.R. 2263 - Export-Import Bank Termination Act - Bill to abolish the Export-Import Bank of the United States three years after enactment of this Act. NSBA opposes. H.R. 2274 - Small Business Mergers, Acquisitions, Sales and Brokerage Simplification Act of 2013 - Bill would allow merger and acquisition brokers who perform services in connection with the transfer of ownership of smaller privately held companies to register with the SEC by filing an electronic notice. NSBA supports. H.R. 2429 Death Tax Repeal Act of 2013 Bill amends the Internal Revenue Code to: (1) repeal the estate and generation-skipping transfer taxes, and (2) make permanent the maximum 35% gift tax rate and a $5 million lifetime gift tax exemption. Provides for an inflation adjustment to such exemption amount. NSBA supports.H.R. 2542 Regulatory Flexibility Improvements Act of 2013 Bill amends the Regulatory Flexibility Act to ensure complete analysis of potential impacts on small entities of federal rules. NSBA is monitoring. H.R. 2582 PATENT Jobs Act Bill exempts USPTO from Presidential Sequestration Order issued on March 1, 2013. NSBA supports. H.R. 2593 Cost-Benefit and Regulatory Transparency Enhancement Act of 2013 Bill requires reports on the results of and methods used to calculate any cost-benefit or regulatory impact analysis. NSBA is monitoring. H.R.2775 Continuing Appropriations Act 2014 The final version of the bill makes continuing appropriations through January 15, 2014, thus ending the government shutdown, and increases the debt limit through February 7, 2014. NSBA supports. H.R. 3169 IRS Rulemaking Fairness Act of 2013 Expands requirements relating to review of federal agency actions that have a significant economic impact on small entities (e.g., small organizations and businesses) to include rulemaking by the Internal Revenue Service (IRS). NSBA is monitoring. H.R 3273 Deficit Reduction and Economic Growth Working Group Act Would create a bipartisan group of House and Senate lawmakers to seek an agreement on spending issues, including possible changes to mandatory programs, and increases in the debt limit. NSBA is monitoring. H.R. 3826 Electricity Security and Affordability Act Bill proposes reasonable alternatives to EPAs proposed rule regulating carbon pollution from new and soon to be released rule regarding existing power plants. NSBA supports. S.Con.Res. 8 Senate Budget Resolution calls for $1.85 trillion in deficit reduction over 10 years split evenly between new tax revenue and spending cuts. NSBA is monitoring. S. 15 Regulations from the Executive in Need of Scrutiny (REINS) Act of 2013 - Bill would require Congressional approval for major regulations. NSBA is monitoring. S. 17 Energy Production and Project Delivery Act Bill would promote an all-of-the-above energy policy by opening up more areas to leasing, expediting energy projects, and preventing regulation of CO2 under the CAA. NSBA is monitoring. S. 21 Cybersecurity and American Cyber Competitiveness Act of 2013 Sense of Congress bill to highlight the need for improved coordination and collaboration between the private sector and the federal government regarding cyber threat and cyber-attack information, and the need to incorporate certain privacy and civil liberties protections in any future cybersecurity-related legislation. NSBA is monitoring. S. 63 Made in America Manufacturing Act - Directs the Secretaries of Commerce and Labor to establish a program for the joint award of incentive grants to a state or a regional partnership to support the U.S. manufacturing industry. NSBA supports. S. 169 I-Squared Act Bill increase H-1B visa cap and establishes an economic demand model to determine future increases or decreases in cap, eliminates per country numerical limitation for employment-based visas, exempts certain categories of persons from employment-based green card cap (i.e. students w/ advanced degree in STEM field), increases fees on H-1B applications which will be used towards STEM education and training. NSBA is monitoring. S. 189 Startup Visa Act Creates a new visa category for immigrant entrepreneurs. NSBA is monitoring. S. 192 Expedited LNG for America Allies Act of 2013 Bill would expedite the approval process for LNG exports to allies of America. NSBA is monitoring. S. 196 Assuring Contracting Equity Act of 2013 Increases govt wide contracting goal for small biz from 23% to 25 percent and requires federal agencies to consult with SBA to determine standards for procurement officers to follow re: past compliance of potential contractors with small business subcontracting goals. NSBA supports. S. 279 - Public Lands Renewable Energy Development Act of 2013 - Requires the Secretary of Interior and the Secretary of Agriculture (USDA) to each establishes a wind and solar leasing pilot program and establishes the Renewable Energy Resource Conservation Fund for use in regions impacted by the development of wind or solar energy on public lands. NSBA is monitoring. S. 289 Commercial Real Estate and Economic Development (CREED) Act of 2013, which will extend for five years the low-interest refinancing provisions under the Local Development Business Program of the Small Business Administration (SBA). NSBA supports. S. 310 Startup Act 3.0 - This bill seeks to provide capital gains and income tax incentives to incentivize entrepreneurs and facilitate the growth of new start-ups, creates a new STEM visa for up to foreign students and establishes a new category of visas for immigrant entrepreneurs. NSBA supports. S. 320 Closing Regulatory Loopholes Act of 2013 Bill would require Congressional review over federal agency guidance documents and major guidance documents prior to implementation. NSBA supports. S. 418 Do-Not-Track Online Act of 2013 Bill would require the promulgating of regulations to address the collection and use of personal information obtained via the tracking of online activity. NSBA is monitoring. S. 450 Financial Regulatory Responsibility Act of 2013 Bill requires enhanced cost-benefit analysis and justification for certain regulations proposed by federal banking, securities, commodities, and housing regulators. NSBA supports.S. 471 Fair Access to Credit Scores Act of 2013 - Provides consumers with free access to their credit scores along with free access to their credit reports once each year. NSBA supports. S. 537 Communicating Lending Activity Reports from the Small Business Administration Act (CLEAR SBA) Act - require the SBA Administrator make publically available on the SBA website certain information regarding lenders making covered loans to small firms. NSBA is monitoring. S. 544 Rebuild American Manufacturing Act of 2013 - Bill directs President to develop a comprehensive national manufacturing strategy. NSBA supports. S. 601 Water Resources Development Act Bill to provide for the conservation and development of water and related resources and to authorize the Army to construct various projects for improvements to rivers and harbors of the U.S. NSBA is monitoring. S. 603 The Jobs and Premium Protection Act The legislation would repeal the annual fee on health insurance providers enacted by the PPACA. NSBA supports. S. 718 Increasing American Jobs Through Greater Exports to Africa Act of 2013 -- Directs the President to establish a comprehensive U.S. strategy for public and private investment, trade, and development in Africa that focuses on: (1) increasing exports of U.S. goods and services to Africa by 200% in real dollar value within 10 years, (2) promoting the alignment of U.S. commercial interests with development priorities in Africa, (3) improving the competitiveness of U.S. businesses in Africa, (4) encouraging a greater understanding among U.S. business and financial communities of the opportunities Africa holds for U.S. exports, and (5) fostering partnership opportunities between U.S. and African small- and medium-sized enterprises. NSBA supports. S. 743 Marketplace Fairness Act Bill would allow states to require that Internet retailers located outside their borders collect sales taxes on purchases by their residents. Businesses with less than $1 million in annual online sales would be exempt, and the sponsors have estimated that fewer than 1,000 businesses would be required to collect sales taxes. NSBA is monitoring. S. 749 15-Year Depreciation bill A bill to amend the Internal Revenue Code of 1986 to permanently extend the 15-year recovery period for qualified leasehold improvement property, qualified restaurant property, and qualified retail improvement property. NSBA supports. S. 761 Energy Savings and Industrial Competitiveness Act of 2013 - Bill would promote energy savings in residential and commercial buildings and industry, and for other purposes. NSBA supports. S. 786 Restoring Honesty for our Economy Act Bill to require agencies to quantify costs associated with proposed economically significant regulations. NSBA is monitoring. S. 787 Restoring Integrity to our Government Act Bill to require agencies to set forth reasons for determining that a proposed regulatory action is significant. NSBA is monitoring. S. 807 Plain Writing Act for Regulations for 2013 - Bill requires all new or substantially revised federal regulations to be written in clear, concise and easy to understand, or plain language. NSBA supports. S. 884 Deter Cyber Theft Act Bill requires the Director of National Intelligence to develop a watch list and a priority watch list of foreign countries that engage in economic or industrial espionage in cyberspace regarding U.S. trade secrets or other proprietary information. NSBA is monitoring. S. 1009 Chemical Safety Improvement Act Bill to reauthorize and modernize the Toxic Substances Control Act. NSBA is monitoring. S. 1029 Regulatory Accountability Act of 2013 - Bill to reform the process by which federal agencies analysis and formulate new regulations and guidance documents. NSBA is monitoring. S. 1102 Export-Import Bank Termination Act -- Bill to abolish the Export-Import Bank of the United States three years after enactment of this Act. NSBA opposes. S.1179 Small Business Export Growth Act of 2013 Bill will further lower barriers to exporting for small businesses by improving federal export assistance programs. NSBA supports. S. 1183 Death Tax Repeal Act of 2013 Bill amends the Internal Revenue Code to: (1) repeal the estate and generation-skipping transfer taxes, and (2) make permanent the maximum 35% gift tax rate and a $5 million lifetime gift tax exemption. Provides for an inflation adjustment to such exemption amount. NSBA supports. S. 1342 Small Business Investment Promotion Act Amends the Internal Revenue Code, with respect to the expensing allowance for depreciable business property, to make permanent: (1) the increased $200,000 expensing allowance for such property, (2) the increased $800,000 threshold amount for such property over which the expensing allowance is reduced. NSBA supports. vS. 1353 Cybersecurity Act of 2013 Bill would implement and codify certain aspects of the Presidents Cybersecurity Executive Order, among other things. NSBA supports. S. 1498 Small Business Tax Fairness Act legislation that will provide targeted tax relief to small businesses. NSBA supports. S. 1720 Patent Transparency and Improvements Act of 2013 Bill seeks to address the purported increase in patent litigation by introducing certain reforms to deter bad actors from brining patent infringement actions or sending demand letters. NSBA is monitoring. S. 1905 Electricity Security and Affordability Act Bill proposes reasonable alternatives to EPAs proposed rule regulating carbon pollution from new and soon to be released rule regarding existing power plants. NSBA supports. White House Conference on Small Business National Conference to develop a comprehensive, long-term small business agenda. NSBA supports. Patent Litigation Reform Discussion Draft Bill seeks to address the perceived increase in patent litigation through various reform measures. House and Senate Minimum Wage Legislation NSBA opposes an increase in minimum wage. U.S. Securities and Exchange Commission (SEC) Proposed Rule re: Title 3 of the JOBS Act Crowdfunding. NSBA is planning on filing comments. Financial Industry Regulatory Authority (FINRA) Proposed Rule re: Title 3 of the JOBS Act Crowdfunding. NSBA is monitoring. America COMPETES Act Reauthorization Bill would provide federal funding for research in STEM fields. NSBA is monitoring. U.S. Environmental Protection Agency (EPA) Proposed Carbon Pollution Standard for New Power Plants. NSBA is monitoring. U.S. Environmental Protection Agency (EPA) Proposed Carbon Pollution Standard for Existing Power Plants. NSBA is monitoring.

Client expense: $38,000 · Firm income: Not reported

Government targets: Bureau of Citizenship & Immigration Services (BCIS), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Export-Import Bank of the United States (EXIM Bank), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Office of Personnel Management (OPM), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), White House Office

see next pageIssues Related To Small Business S.537 - Clear SBA Act H.R.1240/S.289 - Commercial Real Estate and Economic Development Act of 2013 Issues Related To Data Security/Privacy S.635/H.R.749 - Privacy Notice Modernization Act of 2013 S.947 - SAFE Act Confidentiality & Privilege Enhancement Act Issues Related To Banking S.673 - Protecting Consumers from Unreasonable Credit Rates Act of 2013 H.R.1261- Overdraft Protection Act of 2013 S.737/H.R. 1221 - BASEL III Impact Study Issues related to The Wall Street Reform and Consumer Protection Act Issues Related To Cyber Security H.R.624 - Cyber Intelligence Sharing and Protection Act H.Res.164 - Providing for consideration of the bill (H.R. 624) to provide the sharing of certain cyber threat intelligence and cyber threat information between the intelligence community and cybersecurity entities, and for other purposes. H.R.756 - Cybersecurity Enhancement Act of 2013 S.21 - Cybersecurity and American Cyber Competitiveness Act of 2013 S.1353 - Cyber Security Act Of 2013 Issues Related To Bankruptcy S.113 - Know Before You Owe Private Student Loan Act of 2013 S.114 - Fairness for Struggling Students Act of 2013 Issues Related To Consumer Financial Protection Bureau Potential Legislation and Education Regarding the CFPB. S.205 - Responsible Consumer Financial Protection Regulations Act of 2013 S.727 - Financial Institutions Examination Fairness and Reform Act Issues Related To Student Loans S.546 - Smarter Borrowing Act S.1266 - Refinancing Education Funding to Invest (REFI) for the Future Act of 2013 H.R.2661 - The Fair Student Credit Act of 2013 S.1803 - Student Loan Borrower Bill of Rights House Joint Resolution 59 - The Bipartisan Budget Act of 2013 Regulations: Bank Capital, 12 CFR Parts 167, 325 Community Reinvestment Act Regulations, 12 CFR parts 25, 195, 228 and 345 Debit card interchange, 12 CFR Part 235, Regulation II Forced-place flood insurance, 12 CFR Part 339 Regulation B, 12 CFR Part 202, 1002 (ECOA) Regulation C, 12 CFR Part 203, 1003 (HMDA) Regulation D, 12 CFR Part 1004 (Alternative Mortgage Transaction Parity) Regulation E, 12 CFR Part 205, 1005 (EFTA) Regulation F, 12 CFR Part 1006 (FDCPA)Regulation G, 12 CFR Part 1007 (SAFE) Regulation H, 12 CFR Part 1008 (SAFE) Regulation I, 12 CFR Part 1009 Regulation J, 12 CFR Part 1010 Regulation K, 12 CFR Part 1011 Regulation L, 12 CFR Part 1012 Regulation M, 12 CFR Part 1013 Regulation N, 12 CFR Part 1014 Regulation O, 12 CFR Part 1015 Consumer Privacy, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting, 12 CFR Parts 41, 171, 334, 1022 Regulation X, 12 CFR Part 1024 (RESPA) Regulation Z, 12 CFR Part 1026 (TILA) Regulation DD, 12 CFR Parts 230, 1030 (TISA) Regulation YY, 12 CFR 252 (Enhanced Prudential Standards) Disclosure of records and information, 12 CFR Part 1070 Rule implementing EAJA, 12 CFR Part 1071 Nondiscrimination based on disability, 12 CFR Part 1072 Rulemaking procedures, 12 CFR Part 1074 Rules relating to CFPB investigations, 12 CFR Part 1080 Rules of practice for adjudication proceeding, 12 CFR Part 1081 State official notification rules, 12 CFR Part 1082 CFPBs larger participant rules, 12 CFR Part 1090 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to CFPB and banking agency regulatory bulletins

Client expense: $940,000 · Firm income: Not reported

Government targets: Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Improvement of Short Sales Process HR839 - Prompt Decision for Qualification for Short Sales Act S361 - Prompt Notification of Short Sales ActGSE Modifications HR736 - Responsible Homeowner Refinancing Act of 2013 HR1712 - Housing Opportunity and Mortgage Equity Act of 2013 HR2767 - The Protecting American Taxpayers and Homeowners Act of 2013 HR3550 - The New Fair Deal Banking and Housing Stability Act of 2013 S249 - Responsible Homeowner Refinancing Act of 2013 S536 - Jumpstart GSE Reform S1217 - Housing Finance and Taxpayer Protection Act of 2013 Basel III Capital Standards HR1693 - A bill to provide an exemption for community banks from the application of Basel III capital standards S737 - Basel III Impact Study Act Commercial Real Estate Refinancing HR1240 - A bill to extend the low-interest refinancing provisions under the Local Development Business Loan Program of the Small Business Administration S289 - Commercial Real Estate and Economic Development Act of 2013 S968 - Small Business Lending Enhancement Act of 2013 Fees and Points in the QM ATR Rules of Dodd-Frank HR3211 - Mortgage Choice Act of 2013 S949 - Consumer Mortgage Choice Act S1577 - Mortgage Choice Act of 2013 Credit Union Lending HR688 - A bill to amend the Federal Credit Union Act to provide certain credit unions with the authority to make additional member business loans, and for other purposes Conversations with the Treasury Department about housing finance, Qualified Mortgages (QM), Qualified Residential Mortgages (QRM), Qualified Commercial Real Estate (QCRE), and Basel III. Discussions with the Department of Housing and Urban Development (HUD) on mortgages, REOs, loan limits, short sales, dual agency, and FHA loan limits. Conversations with the Consumer Finance Protection Board (CFPB) on servicing mortgage financing, the 3% cap, Qualified Residential Mortgages (QRM), and the Real Estate Settlement Procedures Act (RESPA). Conversations with the Federal Housing Finance Agency (FHFA) about housing finance, mortgage servicing, and loan limits. Discussions with the Federal Deposit Insurance Corporation (FDIC) about Qualified Mortgages (QM), Qualified Residential Mortgages (QRM), Qualified Commercial Real Estate (QCRE), and Basel III. Discussions with the Federal Reserve about Qualified Mortgages (QM), Qualified Residential Mortgages (QRM), Qualified Commercial Real Estate (QCRE), and Basel III. Discussions with the Office of the Comptroller of the Currency (OCC) about Qualified Residential Mortgages (QRM). Discussions with the Securities and Exchange Commission about Qualified Residential Mortgages (QRM) and Lease Accounting. Conversations with the White House National Economic Council regarding the economic value of homeownership.

Client expense: $12,620,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Energy, Dept of, Environmental Protection Agency (EPA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Small business/hospitality industry access to commercial credit; reauthorization of SBA 504 loan re-financing program -- H.R. 1240, S. 289

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Senate bill number S.289 & House bill number H.R. 1240 504 Subsidy Rate SBA Lender Oversight 504 Loan Policy Changes

Client expense: $65,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA)

Adult Education and Economic Growth Act (S. 1400); America Works Act (S. 453); BUILD Career and Technical Education Act (S. 1293); Community College to Career Fund (S. 1269); Manufacturing Universities (not yet introduced); New Skills for New Jobs (not yet introduced); On-the-Job Training Act (S. 1227); Race to the Shop (not yet introduced); SECTORS Act (S. 1226); Skills Gap Strategy Act (not yet introduced); Women and Minorities in STEM Booster Act of 2013 (S. 288); CONTINUEDAmerican Export Promotion Act of 2013 (not yet introduced); Currency Exchange Rate Oversight Reform Act (S. 1114); FAIR Enforcement Against Duty Evasion Act (not yet introduced); Green Energy Technology Manufacturing and Export Assistance Act of 2013 (not yet introduced); SelectUSA Authorization Act of 2013 (not yet introduced); Small Business Export Growth Act (S. 1179); Amend Section 179 Depreciation (S. 1298); Angel Investment Tax Credit Act of 2013 (not yet introduced); Bring Jobs Home Act (S. 337); Build America Bonds (not yet introduced); CREED Act (S. 289); Energy-Efficient Cool Roof Jobs Act (not yet introduced); Expanding Industrial Energy and Water Efficiency Incentives Act of 2013 (not yet introduced); Job Creation through Energy Efficient Manufacturing (not yet introduced); Make It in America Tax Credit Act (not yet introduced); Manufacturing Reinvestment Account (not yet introduced); MLP Parity Act (S. 795); Small BREW Act (S. 917); Small Business Savings Account (not yet introduced); Startup Innovation Credit Act (S. 193); America Recruits Act (not yet introduced); American Jobs Matter Act (S. 1246); American Manufacturing Initiative (not yet introduced); Building a Stronger America Act of 2013 (not yet introduced); Clean Technology Consortia (not yet introduced); Fab Lab (not yet introduced); Made in America Manufacturing Act (S. 63); Native Small Business Conformity Act of 2013 (not yet introduced); Rebuild American Manufacturing Act (S. 544); Restoring America's Manufacturing Competitiveness Act of 2013 (not yet introduced) - all provisions of these manufacturing bills.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 289 FY 2014 Continuing Resolution SBA Lender Oversight

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA)

H.J.Res. 59 Continuing Appropriations Resolution, 2014 Bill would fund federal agencies at an annualized rate of more than $986 billion, the same level as for fiscal year (FY) 2013, but would also leave in place another round of automatic spending cuts known as sequestration, set to take effect in January 2014. NSBA supports.H.R. 3 Northern Route Approval Act of 2013 Bill to expedite approval of the Keystone XL pipeline. NSBA is monitoring. H.R. 25 Fair Tax Act of 2013 Legislation to abolish the Internal Revenue Service and enact a national retail sales tax. NSBA supports. H.R. 30 Small Business Investment enhancement and Tax Relief Act - Establishes an early-stage investment program to provide equity financing to support early-stage businesses and provide a small business investment tax credit of 20%. NSBA is monitoring. H.R. 168 Business Freedom of Commerce Act Bill would allow a small business operating in the United States to elect to be exempt from any federal rule or regulation issued on or after January 20, 2009, among other things. NSBA is monitoring. H.R. 309 Regulatory Sunset and Review Act Bill requires federal agencies (either by someone who has been adversely affected or via a Congressional committee) to review their covered rules and modify, consolidate, or terminate such rules on a periodic basis. NSBA is monitoring. H.R. 367 Regulations from the Executive in Need of Scrutiny Act of 2013 Bill would require Congressional approval for major regulations. NSBA is monitoring. H.R. 375 Made in America Manufacturing Act of 2013 - Directs the Secretaries of Commerce and Labor to establish a program for the joint award of incentive grants to a state or a regional partnership to support the U.S. manufacturing industry, among other things. NSBA supports. H.R. 400 Clean Energy Technology Manufacturing and Assistance Act Bill establishes a Clean Energy Technology Manufacturing and Export Assistance Fund to ensure that U.S. clean energy technology firms have the information and assistance they need to be competitive and to create clean energy technology sector jobs, among other things. NSBA is monitoring. H.R. 407 Clean Vehicles Incentive Act of 2013 Bill allows certain businesses located in areas designated as nonattainment areas under the Clean Air Act a general business tax credit for the cost of certain clean-fuel vehicle property and the use of clean-burning fuel. NSBA is monitoring. H.R. 596 Public Lands Renewable Energy Development Act of 2013 - Requires the Secretary of Interior and the Secretary of Agriculture (USDA) to each establishes a wind and solar leasing pilot program and establishes the Renewable Energy Resource Conservation Fund for use in regions impacted by the development of wind or solar energy on public lands. NSBA is monitoring. H.R. 624 Cyber Intelligence and Sharing Protection Act of 2013 Bill seeks to help foster voluntary cyber threat information sharing between the private sector and the federal government, while at the same time hope to ensure certain privacy and civil liberties protections. NSBA is monitoring. H.R. 684 Marketplace Fairness Act of 2013 Bill would allow states to require that Internet retailers located outside their borders collect sales taxes on purchases by their residents. Businesses with less than $1 million in annual online sales would be exempt, and the sponsors have estimated that fewer than 1,000 businesses would be required to collect sales taxes. NSBA is monitoring. H.R. 688 Credit Union Small Business Jobs Creation Act of 2013 - Increases the credit union member business lending limit from 12.25 percent to 27.5 percent, among other things. NSBA supports. H.R. 701 Bill amends a provision of the Securities Act of 1933 to direct the Securities and Exchange Commission to add a particular class of securities to those exempted under the Act and to provide a deadline for doing so. NSBA supports. H.R. 756 - Cybersecurity Enhancement Act of 2013 Bill seeks to improve information sharing between the private sector and the federal government and continue much-needed cybersecurity research and development programs. NSBA is monitoring.H.R. 763 The Jobs and Premium Protection Act Bill will act to amend the PPACA to repeal provisions imposing an annual fee on health insurance providers. NSBA supports. H.R. 967 Advancing Americas Networking and Information Technology Research and Development Act of 2013 Bill seeks to foster information sharing between the private sector and the federal government and develop a strategic plan for information sharing and cybersecurity research and development within various relevant federal agencies. NSBA is monitoring. H.R. 1002 Fair Access to Credit Scores Act of 2013 Provides consumers with free access to their credit scores along with free access to their credit reports once each year. NSBA supports. H.R. 1062 SEC Regulatory Accountability Act Bill requires the SEC to undertake an enhanced cost-benefit analysis before adopting any new regulations. NSBA supports. H.R. 1072 Freedom from Government Competition Act - Requires each executive or military department or independent establishment to obtain all goods and services necessary for or beneficial to the accomplishment of its authorized functions by procurement from private sources, with certain exceptions. NSBA supports. H.R. 1120 Preventing Greater Uncertainty in Labor-Management Relations Act Bill would prohibit the National Labor Relations Board from taking any action that requires a quorum of the members of the Board until such time as Board constituting a quorum shall have been confirmed by the Senate. NSBA supports. H.R. 1127 Rebuild American Manufacturing Act of 2013 Bill directs President to develop a comprehensive national manufacturing strategy. NSBA supports. H.R. 1138 Small Business Clean Energy Financing Act of 2013 Bill would establish a new loan guarantee program within the U.S. Small Business Administration for clean technology companies. NSBA is monitoring. H.R. 1219 Gulf Fisheries Fairness Act Bill would increase state water boundaries to 120 feet or 9 nautical miles (whichever is greater) and gives states greater control over their reef fisheries to open up more waters for commercial and recreational fishermen. NSBA supports. H.R. 1240 - Commercial Real Estate and Economic Development (CREED) Act of 2013, which will extend for five years the low-interest refinancing provisions under the Local Development Business Program of the Small Business Administration (SBA). NSBA supports. H.R. 1321 Small Business Paperwork Relief Act Bill would suspend civil fines for first-time paperwork violations by small business concerns unless there is potential for serious harm to the public interest and other relevant conditions. NSBA supports. H.R. 1332 American Jobs Matter Act of 2013 Bill to allow contracting officers to consider information regarding domestic employment before awarded a federal contract. NSBA is monitoring. H.R. 1406 Working Families Flexibility Act of 2013 Bill would amend the Fair Labor Standards Act to authorize private employers to provide compensatory time off to private employees at a rate of 1 1/2 hours per hour of employment for which overtime compensation is required. NSBA supports. H.R. 1557 Plain Writing Act for Regulations for 2013 Bill requires all new or substantially revised federal regulations to be written in clear, concise and easy to understand, or plain language. NSBA supports. H.R. 1772 The Legal Workforce Act Bill would make the use of E-Verify mandatory for new hires and impose severe employer penalties. NSBA opposes. H.R. 1773 The Agricultural Guestworker Act Bill would create a simplified and expanded agricultural guest worker program. NSBA supports.H.R. 1909 Export Coordination Act of 2013 Bill would establish stronger congressional oversight and coordination of trade assistance across 20 agencies. NSBA supports. H.R. 1916 TRADE (Transparent Rules Allow Direct Exporting) for Small Businesses and Jobs Act Bill is directed at helping SMEs stay current on changing foreign regulations. It requires Commerce (via MAC) to publish changes in tariff/non-tariff and technical barriers on export.gov or a successor website. NSBA supports. H.R. 1926 State Trade Coordination Act of 2013 Bill would establish the framework to ensure that federal and state trade agencies work in unison to assist their local exporters. NSBA supports. H.R. 2122 Regulatory Accountability Act of 2013 Bill to reform the process by which federal agencies analysis and formulate new regulations and guidance documents. NSBA is monitoring. H.R. 2131 The Supplying Knowledge Based Immigrants and Lifting Levels of STEM Visas Act Bill would allocate green cards to foreign graduates of U.S. universities with advanced degrees in science, technology, engineering, and math (STEM) fields, increase H-1B visas, repeal the employment-based per-country cap, establish a new entrepreneur visa program and strengthen the investor visa program. NSBA supports. H.R. 2232 Make Every Small Business Count Act of 2013 Bill would allow prime contractors covered by a subcontracting plan under a single contract with a federal agency to receive credit against such a plan for using small business subcontractors and any level of subcontracting. NSBA is monitoring. H.R. 2263 Export-Import Bank Termination Act Bill to abolish the Export-Import Bank of the United States three years after enactment of this Act. NSBA opposes. H.R. 2429 Death Tax Repeal Act of 2013 Bill amends the Internal Revenue Code to: (1) repeal the estate and generation-skipping transfer taxes, and (2) make permanent the maximum 35% gift tax rate and a $5 million lifetime gift tax exemption. Provides for an inflation adjustment to such exemption amount. NSBA supports. H.R. 2542 Regulatory Flexibility Improvements Act of 2013 Bill amends the Regulatory Flexibility Act to ensure complete analysis of potential impacts on small entities of federal rules. NSBA is monitoring. H.R. 2582 PATENT Jobs Act Bill exempts USPTO from Presidential Sequestration Order issued on March 1, 2013. NSBA supports. H.R. 2593 Cost-Benefit and Regulatory Transparency Enhancement Act of 2013 Bill requires reports on the results of and methods used to calculate any cost-benefit or regulatory impact analysis. NSBA is monitoring. H.R. 3169 IRS Rulemaking Fairness Act of 2013 Expands requirements relating to review of federal agency actions that have a significant economic impact on small entities (e.g., small organizations and businesses) to include rulemaking by the Internal Revenue Service (IRS). NSBA is monitoring. S. 15 Regulations from the Executive in Need of Scrutiny (REINS) Act of 2013 - Bill would require Congressional approval for major regulations. NSBA is monitoring. S. 17 Energy Production and Project Delivery Act Bill would promote an all-of-the-above energy policy by opening up more areas to leasing, expediting energy projects, and preventing regulation of CO2 under the CAA. NSBA is monitoring. S. 21 Cybersecurity and American Cyber Competitiveness Act of 2013 Sense of Congress bill to highlight the need for improved coordination and collaboration between the private sector and the federal government regarding cyber threat and cyber-attack information, and the need to incorporate certain privacy and civil liberties protections in any future cybersecurity-related legislation. NSBA is monitoring. S. 63 Made in America Manufacturing Act - Directs the Secretaries of Commerce and Labor to establish a program for the joint award of incentive grants to a state or a regional partnership to support the U.S. manufacturing industry. NSBA supports. S. 169 I-Squared Act Bill increase H-1B visa cap and establishes an economic demand model to determine future increases or decreases in cap, eliminates per country numerical limitation for employment-based visas, exempts certain categories of persons from employment-based green card cap (i.e. students w/ advanced degree in STEM field), increases fees on H-1B applications which will be used towards STEM education and training. NSBA is monitoring. S. 189 Startup Visa Act Creates a new visa category for immigrant entrepreneurs. NSBA is monitoring. S. 192 Expedited LNG for America Allies Act of 2013 Bill would expedite the approval process for LNG exports to allies of America. NSBA is monitoring. S. 196 Assuring Contracting Equity Act of 2013 Increases govt wide contracting goal for small biz from 23% to 25 percent and requires federal agencies to consult with SBA to determine standards for procurement officers to follow re: past compliance of potential contractors with small business subcontracting goals. NSBA supports.S. 279 - Public Lands Renewable Energy Development Act of 2013 - Requires the Secretary of Interior and the Secretary of Agriculture (USDA) to each establishes a wind and solar leasing pilot program and establishes the Renewable Energy Resource Conservation Fund for use in regions impacted by the development of wind or solar energy on public lands. NSBA is monitoring. S. 289 Commercial Real Estate and Economic Development (CREED) Act of 2013, which will extend for five years the low-interest refinancing provisions under the Local Development Business Program of the Small Business Administration (SBA). NSBA supports. S. 310 Startup Act 3.0 - This bill seeks to provide capital gains and income tax incentives to incentivize entrepreneurs and facilitate the growth of new start-ups, creates a new STEM visa for up to foreign students and establishes a new category of visas for immigrant entrepreneurs. NSBA supports. S. 320 Closing Regulatory Loopholes Act of 2013 Bill would require Congressional review over federal agency guidance documents and major guidance documents prior to implementation. NSBA supports. S. 418 Do-Not-Track Online Act of 2013 Bill would require the promulgating of regulations to address the collection and use of personal information obtained via the tracking of online activity. NSBA is monitoring. S. 450 Financial Regulatory Responsibility Act of 2013 Bill requires enhanced cost-benefit analysis and justification for certain regulations proposed by federal banking, securities, commodities, and housing regulators. NSBA supports. S. 471 Fair Access to Credit Scores Act of 2013 - Provides consumers with free access to their credit scores along with free access to their credit reports once each year. NSBA supports. S. 537 Communicating Lending Activity Reports from the Small Business Administration Act (CLEAR SBA) Act - require the SBA Administrator make publically available on the SBA website certain information regarding lenders making covered loans to small firms. NSBA is monitoring. S. 544 Rebuild American Manufacturing Act of 2013 - Bill directs President to develop a comprehensive national manufacturing strategy. NSBA supports. S. 601 Water Resources Development Act Bill to provide for the conservation and development of water and related resources and to authorize the Army to construct various projects for improvements to rivers and harbors of the U.S. NSBA is monitoring. S. 603 The Jobs and Premium Protection Act The legislation would repeal the annual fee on health insurance providers enacted by the PPACA. NSBA supports. S. 718 Increasing American Jobs Through Greater Exports to Africa Act of 2013 -- Directs the President to establish a comprehensive U.S. strategy for public and private investment, trade, and development in Africa that focuses on: (1) increasing exports of U.S. goods and services to Africa by 200% in real dollar value within 10 years, (2) promoting the alignment of U.S. commercial interests with development priorities in Africa, (3) improving the competitiveness of U.S. businesses in Africa, (4) encouraging a greater understanding among U.S. business and financial communities of the opportunities Africa holds for U.S. exports, and (5) fostering partnership opportunities between U.S. and African small- and medium-sized enterprises. NSBA supports. S. 743 Marketplace Fairness Act Bill would allow states to require that Internet retailers located outside their borders collect sales taxes on purchases by their residents. Businesses with less than $1 million in annual online sales would be exempt, and the sponsors have estimated that fewer than 1,000 businesses would be required to collect sales taxes. NSBA is monitoring. S. 744 Border Security, Economic Opportunity, and Immigration Modernization Act Bill would comprehensively reform immigration system and impose mandatory E-Verify. NSBA supports some provisions and opposes other provisions. S. 749 15-Year Depreciation bill A bill to amend the Internal Revenue Code of 1986 to permanently extend the 15-year recovery period for qualified leasehold improvement property, qualified restaurant property, and qualified retail improvement property. NSBA supports. S. 761 Energy Savings and Industrial Competitiveness Act of 2013 - Bill would promote energy savings in residential and commercial buildings and industry, and for other purposes. NSBA supports. S. 786 Restoring Honesty for our Economy Act Bill to require agencies to quantify costs associated with proposed economically significant regulations. NSBA is monitoring S. 787 Restoring Integrity to our Government Act Bill to require agencies to set forth reasons for determining that a proposed regulatory action is significant. NSBA is monitoring. S. 807 Plain Writing Act for Regulations for 2013 - Bill requires all new or substantially revised federal regulations to be written in clear, concise and easy to understand, or plain language. NSBA supports. S. 884 Deter Cyber Theft Act Bill requires the Director of National Intelligence to develop a watch list and a priority watch list of foreign countries that engage in economic or industrial espionage in cyberspace regarding U.S. trade secrets or other proprietary information. NSBA is monitoring.S. 1009 Chemical Safety Improvement Act Bill to reauthorize and modernize the Toxic Substances Control Act. NSBA is monitoring. S. 1029 Regulatory Accountability Act of 2013 - Bill to reform the process by which federal agencies analysis and formulate new regulations and guidance documents. NSBA is monitoring. S. 1102 Export-Import Bank Termination Act -- Bill to abolish the Export-Import Bank of the United States three years after enactment of this Act. NSBA opposes. S.1179 Small Business Export Growth Act of 2013 Bill will further lower barriers to exporting for small businesses by improving federal export assistance programs. NSBA supports. S. 1183 - Death Tax Repeal Act of 2013 - Bill amends the Internal Revenue Code to: (1) repeal the estate and generation-skipping transfer taxes, and (2) make permanent the maximum 35% gift tax rate and a $5 million lifetime gift tax exemption. Provides for an inflation adjustment to such exemption amount. NSBA supports. S. 1342 Small Business Investment Promotion Act Amends the Internal Revenue Code, with respect to the expensing allowance for depreciable business property, to make permanent: (1) the increased $200,000 expensing allowance for such property, (2) the increased $800,000 threshold amount for such property over which the expensing allowance is reduced. NSBA supports. S. 1353 Cybersecurity Act of 2013 Bill would implement and codify certain aspects of the Presidents Cybersecurity Executive Order, among other things. NSBA supports. White House Conference on Small Business National Conference to develop a comprehensive, long-term small business agenda. NSBA supports. Patent Litigation Reform Discussion Draft Bill seeks to address the perceived increase in patent litigation through various reform measures. House and Senate Minimum Wage Legislation NSBA opposes an increase in minimum wage. House and Senate National Regulatory Budget NSBA supports implementation of a national regulatory budget. House and Senate NSBA supports repeal of the Patient Protection and Affordable Care Act. EEOC - NSBA opposes efforts to treat educational attainment requirements as discrimination. NSBA opposes efforts to limit employer criminal background screening. U.S. Commission on Civil Rights NSBA opposes efforts to limit employer criminal background screening. SEC NSBA supports reasonable regulations implementing the JOBS Act (in particular relating to general solicitation, crowdfunding, Regulation A and emerging growth companies). NSBA supports safe harbor from registration as broker-dealers for finders and business brokers. NSBA opposed increases in the accredited investor thresholds. DOL, HHS, IRS NSBA opposes efforts to restrict employer provided health care benefit self-insurance with stop loss. DOL NSBA opposes proposed rule under the Labor-Management Reporting and Disclosure Act that would require employers to report on consultants assisting with speech-writing, public relations advice, labor campaigns, web sites, emails or other materials for employer communication to employees or the public, no matter how minor or indirect the relation to any labor dispute. In addition, modification of personnel policies and practices fall under the persuader activities list. Therefore, arrangements with and the content of the work by attorneys, insurance agents, HR consultants, pension consultants, accountants or financial advisers who review benefits packages or other personnel practices would be reportable. HHS Federally Facilitated Exchanges. NSBA supports health insurance exchanges and is seeking rapid implementation and adequate guidance. NSBA supports allowing any QHP that meets all certification standards to sell insurance on the exchanges. HHS SHOPS. NSBA supports immediate implementation of SHOPs in the health insurance exchanges. HHS Age Rating Bands. NSBA supports transition relief on age rating bands. IRS Health care FSAs. NSBA supports elimination of the so-called use-it or lose-it rule. NSBA also supports revision of the uniform coverage rule if the use-it or lose-it rule is changed. IRS Shared Responsibility for Employers Regarding Health Coverage. NSBA supports the affordability safe harbors and deferral of employer penalties. NLRB NSBA opposes micro collective bargaining units, accelerated union elections and aspects of NLRB social media policies. OPM - Multi-State Plan Program. NSBA supports immediate implementation of SHOPs in the MSPP.

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

Government targets: Bureau of Citizenship & Immigration Services (BCIS), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Export-Import Bank of the United States (EXIM Bank), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Office of Personnel Management (OPM), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), White House Office

see next pageIssues Related To Small Business S.537 - Clear SBA Act H.R.1240/S.289 - Commercial Real Estate and Economic Development Act of 2013 Issues Related To Data Security/Privacy S.635/H.R.749 - Privacy Notice Modernization Act of 2013 S.947 - SAFE Act Confidentiality & Privilege Enhancement Act Issues Related To Banking S.673 - Protecting Consumers from Unreasonable Credit Rates Act of 2013 H.R.1261- Overdraft Protection Act of 2013 S.737/H.R. 1221 - BASEL III Impact Study Issues Related To Cyber Security H.R.624 - Cyber Intelligence Sharing and Protection Act H.Res.164 - Providing for consideration of the bill (H.R. 624) to provide the sharing of certain cyber threat intelligence and cyber threat information between the intelligence community and cybersecurity entities, and for other purposes. H.R.756 - Cybersecurity Enhancement Act of 2013 S.21 - Cybersecurity and American Cyber Competitiveness Act of 2013 S.1353 - Cyber Security Act Of 2013 Issues Related To Bankruptcy S.113 - Know Before You Owe Private Student Loan Act of 2013 S.114 - Fairness for Struggling Students Act of 2013 Issues Related To Consumer Financial Protection Bureau Potential Legislation and Education Regarding the CFPB. S.205 - Responsible Consumer Financial Protection Regulations Act of 2013 S.727 - Financial Institutions Examination Fairness and Reform Act Issues Related To Student Loans S.546 - Smarter Borrowing Act S.1266 - Refinancing Education Funding to Invest (REFI) for the Future Act of 2013 H.R.2661 - The Fair Student Credit Act of 2013 Regulations: Bank Capital, 12 CFR Parts 167, 325 Community Reinvestment Act Regulations, 12 CFR parts 25, 195, 228 and 345 Debit card interchange, 12 CFR Part 235, Regulation II Forced-place flood insurance, 12 CFR Part 339 Regulation B, 12 CFR Part 202, 1002 (ECOA) Regulation C, 12 CFR Part 203, 1003 (HMDA) Regulation D, 12 CFR Part 1004 (Alternative Mortgage Transaction Parity) Regulation E, 12 CFR Part 205, 1005 (EFTA) Regulation F, 12 CFR Part 1006 (FDCPA) Regulation G, 12 CFR Part 1007 (SAFE) Regulation H, 12 CFR Part 1008 (SAFE) Regulation I, 12 CFR Part 1009 Regulation J, 12 CFR Part 1010Regulation K, 12 CFR Part 1011 Regulation L, 12 CFR Part 1012 Regulation M, 12 CFR Part 1013 Regulation N, 12 CFR Part 1014 Regulation O, 12 CFR Part 1015 Consumer Privacy, 12 CFR Parts 40, 216, 332, 1016 Fair Credit Reporting, 12 CFR Part 41, 171, 334, 1022 Regulation X, 12 CFR Part 1024 (RESPA) Regulation Z, 12 CFR Part 1026 (TILA) Regulation DD, 12 CFR Part 230, 1030 (TISA) Regulation YY, 12 CFR 252 (Enhanced Prudential Standards) Disclosure of records and information, 12 CFR Part 1070 Rule implementing EAJA, 12 CFR Part 1071 Nondiscrimination based on disability, 12 CFR Part 1072 Rulemaking procedures, 12 CFR Part 1074 Rules relating to CFPB investigations, 12 CFR Part 1080 Rules of practice for adjudication proceeding, 12 CFR Part 1081 State official notification rules, 12 CFR Part 1082 CFPBs larger participant rules, 12 CFR Part 1090 Regulations related to the Dodd-Frank Act, Pub. L. No. 111-203 Issues related to CFPB and banking agency regulatory bulletins

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

Government targets: Education, Dept of, Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of

Improvement of Short Sales Process HR839 - Prompt Decision for Qualification for Short Sales Act S361 - Prompt Notification of Short Sales ActGSE Modifications HR736 - Responsible Homeowner Refinancing Act of 2013 HR1712 - Housing Opportunity and Mortgage Equity Act of 2013 HR2767 - The Protecting American Taxpayers and Homeowners Act of 2013 S249 - Responsible Homeowner Refinancing Act of 2013 S536 - Jumpstart GSE Reform S949 - Consumer Mortgage Choice Act S1217 - Housing Finance and Taxpayer Protection Act of 2013 Basel III Capital Standards HR1693 - A bill to provide an exemption for community banks from the application of Basel III capital standards S737 - Basel III Impact Study Act Commercial Real Estate Refinancing S289 - Commercial Real Estate and Economic Development Act of 2013 Conversations with the Treasury Department about GSE reform, Dodd-Frank regulations, Qualified Mortgages (QM), and Qualified Residential Mortgages (QRM). Discussions with the Department of Housing and Urban Development (HUD) on Qualified Residential Mortgages (QRM), Condominiums, the Federal Housing Administration, and dual agency on short sales. Discussions with the Consumer Financial Protection Bureau (CFPB) on Qualified Mortgages (QM), Servicing Rules, Dodd-Frank regulations, the 3% Cap, and the Real Estate Settlement Procedures Act (RESPA). Conversations with the Federal Housing Finance Agency (FHFA) about GSEs, short sales, Eminent Domain, GSE Reform, and Loan Limits. Discussions with the Small Business Administration (SBA) regarding SBA Lending issues. Conversations with the Federal Reserve regarding Basel III. Discussions with the White House National Economic Council regarding GSE Reform.

Client expense: $8,240,000 · Firm income: Not reported

Government targets: Energy, Dept of, Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

H.R. 1105, Small Business Capital Access and Job Preservation Act H.R. 1106 / S. 550, Small Business Investment Company Modernization Act of 2013, including provisions relating to access to capital and changes to the Small Business Administration and Small Business Investment Companies program H.R. 1558 / S. 24, Small Business Health Relief Act of 2013 S. 289, Commercial Real Estate and Economic Development Act of 2013, including provisions relating to changes to the SBA 504 program S. 511, EXCEL Act, including provisions relating to the SBA ABIC program Various issues relating to electronic filing of tax returns; small business regulatory burdens; the SBA Budget; Credit Subsidy for the SBA lending Programs; immigration reform; small business and grassroots engagement

Client expense: $12,160,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Accounting Standards Advisory Board (FASAB), Federal Aviation Administration (FAA), Federal Reserve System, General Services Administration (GSA), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Institute of Standards & Technology (NIST), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Office of Management & Budget (OMB), Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR), White House Office

Small business/hospitality industry access to commercial credit; reauthorization of SBA 504 loan re-financing program -- H.R. 1240, S. 289

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Small Business Issues to include fairness and lending; H.R.1240, Commercial Real Estate and Economic Development (CREED) Act of 2013; S. 289, CREED Act; Retirement savings as affected by DoL definition of fiduciary duty

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

Government targets: Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council of Economic Advisers (CEA), Defense, Dept of (DOD), Environmental Protection Agency (EPA), Farm Credit Administration, Federal Accounting Standards Advisory Board (FASAB), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Trade Representative (USTR), White House Office

Senate Bill number - S. 289 & House bill number - H.R. 1240 504 Subsidy Rate SBA Lender Oversight 504 Loan Policy Changes

Client expense: $55,200 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA)

S. 289 SBA Lender Oversight of 504 Loan Program Study of the Benefits of the SBA 504 Loan Program GAO Study of the 504 Loan Program

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

Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, SENATE, Small Business Administration (SBA)

H.R. 3 Northern Route Approval Act of 2013 Bill to expedite approval of the Keystone XL pipeline. NSBA is monitoring.H.R. 8 Job Protection and Recession Prevention Act of 2012 Bill would extend for an additional year, through 2013, the Bush-era tax reductions originally enacted in 2001 and 2003, and set to expire at the end of this year. NSBA supports. H.R. 25 Fair Tax Act of 2013 Legislation to abolish the Internal Revenue Service and enact a national retail sales tax. NSBA supports. H.R. 30 Small Business Investment enhancement and Tax Relief Act - Establishes an early-stage investment program to provide equity financing to support early-stage businesses and provide a small business investment tax credit of 20%. NSBA is monitoring. H.R. 168 Business Freedom of Commerce Act Bill would allow a small business operating in the United States to elect to be exempt from any federal rule or regulation issued on or after January 20, 2009, among other things. NSBA is monitoring. H.R. 309 Regulatory Sunset and Review Act Bill requires federal agencies (either by someone who has been adversely affected or via a Congressional committee) to review their covered rules and modify, consolidate, or terminate such rules on a periodic basis. NSBA is monitoring. H.R. 367 Regulations from the Executive in Need of Scrutiny Act of 2013 Bill would require Congressional approval for major regulations. NSBA is monitoring. H.R. 375 Made in America Manufacturing Act of 2013 - Directs the Secretaries of Commerce and Labor to establish a program for the joint award of incentive grants to a state or a regional partnership to support the U.S. manufacturing industry, among other things. NSBA supports. H.R. 400 Clean Energy Technology Manufacturing and Assistance Act Bill establishes a Clean Energy Technology Manufacturing and Export Assistance Fund to ensure that U.S. clean energy technology firms have the information and assistance they need to be competitive and to create clean energy technology sector jobs, among other things. NSBA is monitoring. H.R. 407 Clean Vehicles Incentive Act of 2013 Bill allows certain businesses located in areas designated as nonattainment areas under the Clean Air Act a general business tax credit for the cost of certain clean-fuel vehicle property and the use of clean-burning fuel. NSBA is monitoring. H.R. 596 Public Lands Renewable Energy Development Act of 2013 - Requires the Secretary of Interior and the Secretary of Agriculture (USDA) to each establishes a wind and solar leasing pilot program and establishes the Renewable Energy Resource Conservation Fund for use in regions impacted by the development of wind or solar energy on public lands. NSBA is monitoring. H.R. 624 Cyber Intelligence and Sharing Protection Act of 2013 Bill seeks to help foster voluntary cyber threat information sharing between the private sector and the federal government, while at the same time hope to ensure certain privacy and civil liberties protections. NSBA is monitoring. H.R. 684 Marketplace Fairness Act of 2013 Bill would allow states to require that Internet retailers located outside their borders collect sales taxes on purchases by their residents. Businesses with less than $1 million in annual online sales would be exempt, and the sponsors have estimated that fewer than 1,000 businesses would be required to collect sales taxes. NSBA is monitoring. H.R. 688 Credit Union Small Business Jobs Creation Act of 2013 - Increases the credit union member business lending limit from 12.25 percent to 27.5 percent, among other things. NSBA supports. H.R. 701 Bill amends a provision of the Securities Act of 1933 to direct the Securities and Exchange Commission to add a particular class of securities to those exempted under the Act and to provide a deadline for doing so. NSBA supports.H.R. 756 - Cybersecurity Enhancement Act of 2013 Bill seeks to improve information sharing between the private sector and the federal government and continue much-needed cybersecurity research and development programs. NSBA is monitoring. H.R. 763 The Jobs and Premium Protection Act Bill will act to amend the PPACA to repeal provisions imposing an annual fee on health insurance providers. NSBA supports. H.R. 933 Consolidated and Further Continuing Appropriations Act, 2013 Includes appropriations bills for Defense and Military Construction-Veterans Affairs and an extension of the current CR for all other federal agencies. The bill caps 2013 spending at $984 billion, down approximately $59 billion from 2012. The bill does, however, build in some flexibility for military programs to deal with the sequester. NSBA supports. H.R. 967 Advancing Americas Networking and Information Technology Research and Development Act of 2013 Bill seeks to foster information sharing between the private sector and the federal government and develop a strategic plan for information sharing and cybersecurity research and development within various relevant federal agencies. NSBA is monitoring. H.R. 1002 Fair Access to Credit Scores Act of 2013 Provides consumers with free access to their credit scores along with free access to their credit reports once each year. NSBA supports. H.R. 1062 SEC Regulatory Accountability Act Bill requires the SEC to undertake an enhanced cost-benefit analysis before adopting any new regulations. NSBA supports. H.R. 1072 Freedom from Government Competition Act - Requires each executive or military department or independent establishment to obtain all goods and services necessary for or beneficial to the accomplishment of its authorized functions by procurement from private sources, with certain exceptions. NSBA supports. H.R. 1120 Preventing Greater Uncertainty in Labor-Management Relations Act Bill would prohibit the National Labor Relations Board from taking any action that requires a quorum of the members of the Board until such time as Board constituting a quorum shall have been confirmed by the Senate. NSBA supports. H.R. 1127 Rebuild American Manufacturing Act of 2013 Bill directs President to develop a comprehensive national manufacturing strategy. NSBA supports. H.R. 1138 Small Business Clean Energy Financing Act of 2013 Bill would establish a new loan guarantee program within the U.S. Small Business Administration for clean technology companies. NSBA is monitoring. H.R. 1219 Gulf Fisheries Fairness Act Bill would increase state water boundaries to 120 feet or 9 nautical miles (whichever is greater) and gives states greater control over their reef fisheries to open up more waters for commercial and recreational fishermen. NSBA supports. H.R. 1240 - Commercial Real Estate and Economic Development (CREED) Act of 2013, which will extend for five years the low-interest refinancing provisions under the Local Development Business Program of the Small Business Administration. NSBA supports. H.R. 1321 Small Business Paperwork Relief Act Bill would suspend civil fines for first-time paperwork violations by small business concerns unless there is potential for serious harm to the public interest and other relevant conditions. NSBA supports. H.R. 1332 American Jobs Matter Act of 2013 Bill to allow contracting officers to consider information regarding domestic employment before awarded a federal contract. NSBA is monitoring. H.R. 1406 Working Families Flexibility Act of 2013 Bill would amend the Fair Labor Standards Act to authorize private employers to provide compensatory time off to private employees at a rate of 1 1/2 hours per hour of employment for which overtime compensation is required. NSBA supports.H.R. 1557 Plain Writing Act for Regulations for 2013 Bill requires all new or substantially revised federal regulations to be written in clear, concise and easy to understand, or plain language. NSBA supports. H.R. 1772 The Legal Workforce Act Bill would make the use of E-Verify mandatory for new hires and impose severe employer penalties. NSBA opposes. H.R. 1773 The Agricultural Guestworker Act Bill would create a simplified and expanded agricultural guest worker program. NSBA supports. H.R. 1909 Export Coordination Act of 2013 Bill would establish stronger congressional oversight and coordination of trade assistance across 20 agencies. NSBA supports. H.R. 1916 TRADE (Transparent Rules Allow Direct Exporting) for Small Businesses and Jobs Act Bill is directed at helping SMEs stay current on changing foreign regulations. It requires Commerce (via MAC) to publish changes in tariff/non-tariff and technical barriers on export.gov or a successor website. NSBA supports. H.R. 1926 State Trade Coordination Act of 2013 Bill would establish the framework to ensure that federal and state trade agencies work in unison to assist their local exporters. NSBA supports. H.R. 2122 Regulatory Accountability Act of 2013 Bill to reform the process by which federal agencies analysis and formulate new regulations and guidance documents. NSBA is monitoring. H.R. 2131 The Supplying Knowledge Based Immigrants and Lifting Levels of STEM Visas Act Bill would allocate green cards to foreign graduates of U.S. universities with advanced degrees in science, technology, engineering, and math (STEM) fields, increase H-1B visas, repeal the employment-based per-country cap, establish a new entrepreneur visa program and strengthen the investor visa program. NSBA supports. H.R. 2232 Make Every Small Business Count Act of 2013 Bill would allow prime contractors covered by a subcontracting plan under a single contract with a federal agency to receive credit against such a plan for using small business subcontractors and any level of subcontracting. NSBA is monitoring. H.R. 2429 Death Tax Repeal Act of 2013 Bill amends the Internal Revenue Code to: (1) repeal the estate and generation-skipping transfer taxes, and (2) make permanent the maximum 35% gift tax rate and a $5 million lifetime gift tax exemption. Provides for an inflation adjustment to such exemption amount. NSBA supports. H.R. 2542 Regulatory Flexibility Improvements Act of 2013 Bill amends the Regulatory Flexibility Act to ensure complete analysis of potential impacts on small entities of federal rules. NSBA is monitoring. H.R. 2593 Cost-Benefit and Regulatory Transparency Enhancement Act of 2013 Bill requires reports on the results of and methods used to calculate any cost-benefit or regulatory impact analysis. NSBA is monitoring. S. 15 Regulations from the Executive in Need of Scrutiny (REINS) Act of 2013 - Bill would require Congressional approval for major regulations. NSBA is monitoring. S. 17 Energy Production and Project Delivery Act Bill would promote an all-of-the-above energy policy by opening up more areas to leasing, expediting energy projects, and preventing regulation of CO2 under the CAA. NSBA is monitoring. S. 21 Cybersecurity and American Cyber Competitiveness Act of 2013 Sense of Congress bill to highlight the need for improved coordination and collaboration between the private sector and the federal government regarding cyber threat and cyber-attack information, and the need to incorporate certain privacy and civil liberties protections in any future cybersecurity-related legislation. NSBA is monitoring.S. 63 Made in America Manufacturing Act - Directs the Secretaries of Commerce and Labor to establish a program for the joint award of incentive grants to a state or a regional partnership to support the U.S. manufacturing industry. NSBA supports. S. 169 I-Squared Act Bill increase H-1B visa cap and establishes an economic demand model to determine future increases or decreases in cap, eliminates per country numerical limitation for employment-based visas, exempts certain categories of persons from employment-based green card cap (i.e. students w/ advanced degree in STEM field), increases fees on H-1B applications which will be used towards STEM education and training. NSBA is monitoring. S. 189 Startup Visa Act Creates a new visa category for immigrant entrepreneurs. NSBA is monitoring. S. 192 Expedited LNG for America Allies Act of 2013 Bill would expedite the approval process for LNG exports to allies of America. NSBA is monitoring. S. 196 Assuring Contracting Equity Act of 2013 Increases govt wide contracting goal for small biz from 23% to 25 percent and requires federal agencies to consult with SBA to determine standards for procurement officers to follow re: past compliance of potential contractors with small business subcontracting goals. NSBA supports. S. 279 - Public Lands Renewable Energy Development Act of 2013 - Requires the Secretary of Interior and the Secretary of Agriculture (USDA) to each establishes a wind and solar leasing pilot program and establishes the Renewable Energy Resource Conservation Fund for use in regions impacted by the development of wind or solar energy on public lands. NSBA is monitoring. S. 289 Commercial Real Estate and Economic Development (CREED) Act of 2013, which will extend for five years the low-interest refinancing provisions under the Local Development Business Program of the Small Business Administration (SBA). NSBA supports. S. 310 Startup Act 3.0 - This bill seeks to provide capital gains and income tax incentives to incentivize entrepreneurs and facilitate the growth of new start-ups, creates a new STEM visa for up to foreign students and establishes a new category of visas for immigrant entrepreneurs. NSBA supports. S. 320 Closing Regulatory Loopholes Act of 2013 Bill would require Congressional review over federal agency guidance documents and major guidance documents prior to implementation. NSBA supports. S. 418 Do-Not-Track Online Act of 2013 Bill would require the promulgating of regulations to address the collection and use of personal information obtained via the tracking of online activity. NSBA is monitoring. S. 450 Financial Regulatory Responsibility Act of 2013 Bill requires enhanced cost-benefit analysis and justification for certain regulations proposed by federal banking, securities, commodities, and housing regulators. NSBA supports. S. 471 Fair Access to Credit Scores Act of 2013 - Provides consumers with free access to their credit scores along with free access to their credit reports once each year. NSBA supports. S. 537 Communicating Lending Activity Reports from the Small Business Administration Act (CLEAR SBA) Act - require the SBA Administrator make publically available on the SBA website certain information regarding lenders making covered loans to small firms. NSBA is monitoring. S. 544 Rebuild American Manufacturing Act of 2013 - Bill directs President to develop a comprehensive national manufacturing strategy. NSBA supports. S. 601 Water Resources Development Act Bill to provide for the conservation and development of water and related resources and to authorize the Army to construct various projects for improvements to rivers and harbors of the U.S. NSBA is monitoring. S. 603 The Jobs and Premium Protection Act The legislation would repeal the annual fee on health insurance providers enacted by the PPACA. NSBA supports. S. 718 Increasing American Jobs Through Greater Exports to Africa Act of 2013 -- Directs the President to establish a comprehensive U.S. strategy for public and private investment, trade, and development in Africa that focuses on: (1) increasing exports of U.S. goods and services to Africa by 200% in real dollar value within 10 years and fostering partnership opportunities between U.S. and African small- and medium-sized enterprises. NSBA supports. S. 743 Marketplace Fairness Act Bill would allow states to require that Internet retailers located outside their borders collect sales taxes on purchases by their residents. Businesses with less than $1 million in annual online sales would be exempt, and the sponsors have estimated that fewer than 1,000 businesses would be required to collect sales taxes. NSBA is monitoring. S. 744 Border Security, Economic Opportunity, and Immigration Modernization Act Bill would comprehensively reform immigration system and impose mandatory E-Verify. NSBA supports some provisions and opposes other provisions. S. 749 15-Year Depreciation bill A bill to amend the Internal Revenue Code of 1986 to permanently extend the 15-year recovery period for qualified leasehold improvement property, qualified restaurant property, and qualified retail improvement property. NSBA supports.S. 761 Energy Savings and Industrial Competitiveness Act of 2013 - Bill would promote energy savings in residential and commercial buildings and industry, and for other purposes. NSBA supports. S. 786 Restoring Honesty for our Economy Act Bill to require agencies to quantify costs associated with proposed economically significant regulations. NSBA is monitoring S. 787 Restoring Integrity to our Government Act Bill to require agencies to set forth reasons for determining that a proposed regulatory action is significant. NSBA is monitoring. S. 807 Plain Writing Act for Regulations for 2013 - Bill requires all new or substantially revised federal regulations to be written in clear, concise and easy to understand, or plain language. NSBA supports. S. 884 Deter Cyber Theft Act Bill requires the Director of National Intelligence to develop a watch list and a priority watch list of foreign countries that engage in economic or industrial espionage in cyberspace regarding U.S. trade secrets or other proprietary information. NSBA is monitoring. S. 1009 Chemical Safety Improvement Act Bill to reauthorize and modernize the Toxic Substances Control Act. NSBA is monitoring. S. 1029 Regulatory Accountability Act of 2013 - Bill to reform the process by which federal agencies analysis and formulate new regulations and guidance documents. NSBA is monitoring. S. 1102 Export-Import Bank Termination Act -- Bill to abolish the Export-Import Bank of the United States three years after enactment of this Act. NSBA opposes. S.1179 Small Business Export Growth Act of 2013 Bill will further lower barriers to exporting for small businesses by improving federal export assistance programs. NSBA supports. S. 1183 Death Tax Repeal Act of 2013 Bill amends the Internal Revenue Code to: (1) repeal the estate and generation-skipping transfer taxes, and (2) make permanent the maximum 35% gift tax rate and a $5 million lifetime gift tax exemption. Provides for an inflation adjustment to such exemption amount. NSBA supports. White House Conference on Small Business National Conference to develop a comprehensive, long-term small business agenda. NSBA supports. Patent Litigation Reform Discussion Draft Bill seeks to address the perceived increase in patent litigation through various reform measures. House and Senate Minimum Wage Legislation NSBA opposes an increase in minimum wage. House and Senate National Regulatory Budget NSBA supports implementation of a national regulatory budget. EEOC - NSBA opposes efforts to treat educational attainment requirements as discrimination. NSBA opposes efforts to limit employer criminal background screening. U.S. Commission on Civil Rights NSBA opposes efforts to limit employer criminal background screening. SEC NSBA supports reasonable regulations implementing the JOBS Act (in particular relating to general solicitation, crowdfunding, Regulation A and emerging growth companies). NSBA supports safe harbor from registration as broker-dealers for finders and business brokers. NSBA opposed increases in the accredited investor thresholds. DOL, HHS, IRS NSBA opposes efforts to restrict employer provided health care benefit self-insurance with stop loss. DOL NSBA opposes proposed rule under the Labor-Management Reporting and Disclosure Act that would require employers to report on consultants assisting with speech-writing, public relations advice, labor campaigns, web sites, emails or other materials for employer communication to employees or the public, no matter how minor or indirect the relation to any labor dispute. In addition, modification of personnel policies and practices fall under the persuader activities list. Therefore, arrangements with and the content of the work by attorneys, insurance agents, HR consultants, pension consultants, accountants or financial advisers who review benefits packages or other personnel practices would be reportable. HHS Federally Facilitated Exchanges. NSBA supports health insurance exchanges and is seeking rapid implementation and adequate guidance. NSBA supports allowing any QHP that meets all certification standards to sell insurance on the exchanges. HHS SHOPS. NSBA supports immediate implementation of SHOPs in the health insurance exchanges. HHS Age Rating Bands. NSBA supports transition relief on age rating bands. IRS Health care FSAs. NSBA supports elimination of the so-called use-it or lose-it rule. NSBA also supports revision of the uniform coverage rule if the use-it or lose-it rule is changed. IRS Shared Responsibility for Employers Regarding Health Coverage. NSBA supports the affordability safe harbors and deferral of employer penalties. OPM Multi-State Plan Program. NSBA supports immediate implementation of SHOPs in the MSPP.

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

Government targets: Bureau of Citizenship & Immigration Services (BCIS), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Export-Import Bank of the United States (EXIM Bank), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Labor, Dept of (DOL), Natl Labor Relations Board (NLRB), Office of Personnel Management (OPM), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, U.S. Commission on Civil Rights, U.S. Trade Representative (USTR), White House Office

H.R. 1105, Small Business Capital Access and Job Preservation Act H.R. 1240, Commercial Real Estate and Economic Development Act of 2013 S. 24, Small Business Health Relief Act of 2013 S. 289, Commercial Real Estate and Economic Development Act of 2013, including changes to the SBA 504 program S. 511, EXCEL Act, provisions relating to the ABA ABIC program Potential legislation similar to H.R.3267, Protect Small Business Jobs Act of 2011 Various issues relating to the SBA Budget; Credit Subsidy for the SBA lending Programs

Client expense: $13,970,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Commodity Futures Trading Commission (CFTC), Council on Environmental Quality (CEQ), Defense, Dept of (DOD), Education, Dept of, Energy, Dept of, Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Executive Office of the President (EOP), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), General Services Administration (GSA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Economic Council (NEC), Natl Institute of Standards & Technology (NIST), Natl Labor Relations Board (NLRB), Natl Security Council (NSC), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), Patent & Trademark Office (PTO), Pension Benefit Guaranty Corporation (PBGC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), Transportation Security Administration (TSA), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Copyright Office, U.S. Customs & Border Protection, U.S. Trade & Development Agency (USTDA), U.S. Trade Representative (USTR), White House Office

Improvement of Short Sales Process HR839 - Prompt Decision for Qualification for Short Sales Act S361 - Prompt Notification of Short Sales ActGSE Modifications HR736 - Responsible Homeowner Refinancing Act of 2013 HR1712 - Housing Opportunity and Mortgage Equity Act of 2013 S249 - Responsible Homeowner Refinancing Act of 2013 S536 - Jumpstart GSE Reform S949 - Consumer Mortgage Choice Act S1217 - Housing Finance and Taxpayer Protection Act of 2013 Basel III Capital Standards HR1693 - A bill to provide an exemption for community banks from the application of Basel III capital standards S737 - Basel III Impact Study Act Commercial Real Estate Refinancing S289 - Commercial Real Estate and Economic Development Act of 2013 Conversations with the Treasury Department about GSE reform, Basel III, and Dodd-Frank regulations. Discussions with the Department of Housing and Urban Development (HUD) on Qualified Mortgages (QM), Qualified Residential Mortgages (QRM), Condominiums, REOs, short sales, and the Federal Housing Administration. Discussions with the Consumer Financial Protection Bureau (CFPB) on Qualified Mortgages (QM), QM Servicing, Dodd-Frank regulations, and Ability to Repay (ATR). Conversations with the FDIC about QRM. Conversations with the Federal Housing Finance Agency (FHFA) about GSEs, short sales. Discussions with the Small Business Administration (SBA) regarding the Commercial Refinance Program. Conversations with the Federal Reserve regarding Basel III and Dodd-Frank. Conversations with the Securities and Exchange Commission (SEC) regarding lease accounting. Discussions with the White House National Economic Council regarding the FHFA director nomination.

Client expense: $9,140,000 · Firm income: Not reported

Government targets: Energy, Dept of, Environmental Protection Agency (EPA), Federal Aviation Administration (FAA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Reserve System, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)