Filipino Veterans Fairness Act of 2013

Improving survivor benefits for widows of deceased servicemembers and to restore and improve veterans' benefits. H.R. 32, H.R. 235,H.R. 241, H.R. 258, H.R. 288, H.R. 333, H.R. 357, H.R. 543, H.R. 562, H.R. 679, H.R. 690, H.R. 883, H.R. 958, H.R. 1357, H.R. 3230, H.R. 3395, H.R. 4760, S. 6, S. 140, S. 200, S. 210, S. 240, S. 257, S. 262, S. 294, S. 325, S. 373, S. 430, S. 492, S. 495, S. 514, S. 515, S. 572, S. 629, S. 674, S. 690, S. 695, S. 705, S. 734, S. 735, S. 748, S. 778, S. 819, S. 851, S. 863, S. 868, S. 889, S. 893, S. 894, S. 922, S. 927, S. 928, S. 930, S. 932, S. 935, S. 938, S. 939, S. 944, S. 1039, S. 1042, S. 1058, S. 1291, S. 1564, S. 1591, S. 1624, S. 1950, S. 1982, S. 2260, S. 2450, S. 2545, S. 2930

Client expense: $411,885 · Firm income: Not reported

Government targets: Air Force, Dept of, Army, Dept of (Other), Centers For Medicare and Medicaid Services (CMS), Commerce, Dept of (DOC), Congressional Budget Office (CBO), Defense Commissary Agency, Defense Finance & Accounting Service (DFAS), Defense, Dept of (DOD), Education, Dept of, Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Guard, Natl Oceanic & Atmospheric Administration (NOAA), Navy, Dept of, Office of Management & Budget (OMB), Office of Personnel Management (OPM), Office of the Secretary of Defense, President of the U.S., SENATE, Transportation Security Administration (TSA), U.S. Coast Guard (USCG), U.S. Marines, Veterans Affairs, Dept of (VA), Veterans Employment & Training Service

Improving survivor benefits for widows of deceased servicemembers and to restore and improve veterans' benefits. H.R. 32, H.R. 235, H.R. 241, H.R. 258, H.R. 288, H.R. 318, H.R. 357, H.R. 543, H.R. 562, H.R. 679, H.R. 690, H.R. 883, H.R. 958, H.R. 1357, H.R. 3230, H.R. 3395, H.R. 4480, H.R. 4486, H.R. 4693, H.R. 4741, H.R. 4760, H.R. 4778, H.R. 5589, S. 6, S. 25, S. 140, S. 200, S. 210, S. 234, S. 240, S. 257, S. 262, S. 294, S. 325, S. 373, S. 430, S. 492, S. 495, S. 514, S. 515, S. 572, S. 629, S. 674, S. 690, S. 695, S. 705, S. 734, S. 735, S. 748, S. 2422, S. 2450

Client expense: $413,551 · Firm income: Not reported

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

Improving survivor benefits for widows of deceased servicemembers and to restore and improve veterans' benefits. H.R. 32, H.R. 235, H.R. 241, H.R. 258, H.R. 288, H.R. 318, H.R. 357, H.R. 543, H.R. 562, H.R. 679, H.R. 690, H.R. 883, H.R. 958, H.R. 1357, H.R. 3230, H.R. 3395, H.R. 4480, H.R. 4486, H.R. 4693, H.R. 4741, H.R. 4760, H.R. 4778, H.R. 5589, S. 6, S. 25, S. 140, S. 200, S. 210, S. 234, S. 240, S. 257, S. 262, S. 294, S. 325, S. 373, S. 430, S. 492, S. 495, S. 514, S. 515, S. 572, S. 629, S. 674, S. 690, S. 695, S. 705, S. 734, S. 735, S. 748

Client expense: $413,551 · Firm income: Not reported

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

Improving survivor benefits for widows of deceased servicemembers and to restore and improve veterans' benefits. HR 32, HR 235, HR 241, HR 258, HR 288, HR 318, HR 333, HR 357, HR 543, HR 562, HR 679, HR 690, HR 813, HR 883, HR 958, HR 1357, HR 2366, HR 2527, HR 2794, HR 2942, HR 3230, HR 3395, HR 3474, HR 4031, HR 4478, HR 4486, HR 4489, HR 4630, HR 4693, HR 4741, HR 4760, HR 4778, HR 4793, HR 4810, S 6, S 140, S 200, S 210, S 234, S 257, S 262, S 294, S 325, S 373, S 430, S 492, S 495, S 514, S 515, S 572, S 629, S 674, S 690, S 695, S 705, S 734, S 735, S 748, S 778, S 819, S 851, S 863, S 868, S 889, S 893, S 894, S 922, S 927, S 928, S 930, S 932, S 935, S 938, S 939, S 944, S 1039, S 1042, S 1058, S 1291, S 1564, S 1591, S 1624, S 1950, S 1982, S 2182, S 2243, S 2300, S 2333, S 2448, S 2450

Client expense: $523,000 · Firm income: Not reported

Take position in support of: HJRES78-113 HJRES88-113 HJRES91-113 HR1014-113 HR1132-113 HR1134-113 HR1171-113 HR1223-113 HR1236-113 HR1238-113 HR1251-113 HR1284-113 HR1305-113 HR1316-113 HR1333-113 HR1344-113 HR1357-113 HR1402-113 HR1405-113 HR1412-113 HR1438-113 HR1443-113 HR1453-113 HR1463-113 HR1464-113 HR1490-113 HR1497-113 HR1521-113 HR152-113 HR153-113 HR154-113 HR1593-113 HR1620-113 HR1623-113 HR1631-113 HR164-113 HR1702-113 HR1725-113 HR1729-113 HR1742-113 HR1759-113 HR1770-113 HR1774-113 HR179-113 HR1792-113 HR1796-113 HR1804-113 HR1805-113 HR1809-113 HR1824-113 HR183-113 HR1842-113 HR1864-113 HR1938-113 HR1957-113 HR1980-113 HR1987-113 HR2001-113 HR2002-113 HR2011-113 HR2016-113 HR2038-113 HR2039-113 HR2055-113 HR2056-113 HR2059-113 HR2065-113 HR2072-113 HR2079-113 HR2086-113 HR2088-113 HR2118-113 HR2119-113 HR2150-113 HR2151-113 HR2153-113 HR2157-113 HR2169-113 HR2185-113 HR2187-113 HR2189-113 HR2209-113 HR2210-113 HR2216-113 HR2227-113 HR2230-113 HR2272-113 HR2284-113 HR2327-113 HR235-113 HR241-113 HR2423-113 HR2481-113 HR2485-113 HR2510-113 HR2527-113 HR2528-113 HR2540-113 HR258-113 HR274-113 HR288-113 HR2882-113 HR2942-113 HR2974-113 HR303-113 HR3045-113 HR3056-113 HR3210-113 HR32-113 HR3230-113 HR3232-113 HR3237-113 HR3241-113 HR3246-113 HR3274-113 HR331-113 HR333-113 HR3337-113 HR3384-113 HR3387-113 HR340-113 HR3456-113 HR357-113 HR3593-113 HR3600-113 HR368-113 HR369-113 HR3790-113 HR385-113 HR401-113 HR4031-113 HR4037-113 HR4038-113 HR4085-113 HR411-113 HR4147-113 HR4150-113 HR4151-113 HR42-113 HR4261-113 HR430-113 HR4305-113 HR4435-113 HR4446-113 HR4486-113 HR449-113 HR4504-113 HR4594-113 HR4628-113 HR562-113 HR569-113 HR570-113 HR577-113 HR602-113 HR631-113 HR635-113 HR671-113 HR679-113 HR683-113 HR697-113 HR733-113 HR806-113 HR813-113 HR821-113 HR833-113 HR834-113 HR844-113 HR894-113 HR897-113 HR921-113 HR933-113 HR958-113 HR975-113 HR984-113 HRES104-113 HRES32-113 S1015-113 S1034-113 S1039-113 S1042-113 S1046-113 S1050-113 S1058-113 S1060-113 S1061-113 S1076-113 S1081-113 S1089-113 S1092-113 S1148-113 S1255-113 S131-113 S1387-113 S1399-113 S1411-113 S153-113 S1558-113 S1578-113 S1581-113 S1582-113 S1583-113 S1585-113 S1586-113 S1588-113 S1589-113 S1591-113 S162-113 S1637-113 S1643-113 S1662-113 S1668-113 S1717-113 S1728-113 S1752-113 S1755-113 S1956-113 S1963-113 S1982-113 S1985-113 S1993-113 S1999-113 S2013-113 S2035-113 S2075-113 S2091-113 S2095-113 S210-113 S2182-113 S2190-113 S2231-113 S2300-113 S234-113 S2424-113 S2450-113 S25-113 S257-113 S287-113 S373-113 S412-113 S422-113 S430-113 S444-113 S46-113 S49-113 S492-113 S495-113 S515-113 S522-113 S529-113 S543-113 S572-113 S573-113 S6-113 S62-113 S629-113 S674-113 S695-113 S700-113 S734-113 S735-113 S748-113 S759-113 S778-113 S800-113 S810-113 S819-113 S825-113 S832-113 S851-113 S852-113 S863-113 S871-113 S875-113 S877-113 S889-113 S893-113 S894-113 S928-113 S932-113 S935-113 S938-113 S939-113 S964-113 S967-113 S990-113 S992-113 S995-113 Take position in opposition to: HR1739-113 HR3614-113 HR595-113 HR803-113 S262-113 Monitor/Review the following: HJRES72-113 HR125-113 HR1288-113 HR1372-113 HR1492-113 HR1494-113 HR1605-113 HR1714-113 HR1816-113 HR1832-113 HR1855-113 HR1867-113 HR1885-113 HR1898-113 HR1904-113 HR1960-113 HR1988-113 HR2018-113 HR2138-113 HR2207-113 HR2237-113 HR2249-113 HR2257-113 HR2310-113 HR2319-113 HR2341-113 HR2354-113 HR2358-113 HR2362-113 HR2377-113 HR2382-113 HR2397-113 HR2412-113 HR2470-113 HR247-113 HR2519-113 HR2522-113 HR2590-113 HR2642-113 HR2654-113 HR2661-113 HR2693-113 HR2704-113 HR2726-113 HR2743-113 HR2749-113 HR2785-113 HR2797-113 HR2841-113 HR2859-113 HR2876-113 HR2906-113 HR2907-113 HR2913-113 HR2941-113 HR2953-113 HR3007-113 HR3053-113 HR3087-113 HR3098-113 HR3106-113 HR3120-113 HR3145-113 HR3152-113 HR3164-113 HR3166-113 HR3180-113 HR3181-113 HR3207-113 HR3214-113 HR3223-113 HR3225-113 HR3276-113 HR3287-113 HR3310-113 HR3330-113 HR3352-113 HR3368-113 HR3369-113 HR3383-113 HR3395-113 HR3396-113 HR3397-113 HR3399-113 HR3405-113 HR3408-113 HR3418-113 HR3422-113 HR3441-113 HR3442-113 HR3443-113 HR3451-113 HR3453-113 HR3459-113 HR3469113 HR3474-113 HR3477-113 HR3493-113 HR3499-113 HR3506-113 HR3507-113 HR3508-113 HR3514-113 HR3515-113 HR3516-113 HR3521-113 HR3569-113 HR3576-113 HR3615-113 HR3646-113 HR3647-113 HR3671-113 HR3672-113 HR3725-113 HR3743-113 HR3775-113 HR3788-113 HR3789-113 HR3792-113 HR3794-113 HR3797-113 HR3798-113 HR3801-113 HR3804-113 HR3807-113 HR3808-113 HR3810-113 HR3831-113 HR3843-113 HR3852-113 HR3858-113 HR3876-113 HR3958-113 HR3974-113 HR4004-113 HR4005-113 HR4023-113 HR4050-113 HR4068-113 HR4095-113 HR4096-113 HR4101-113 HR4102-113 HR4110-113 HR4134-113 HR4141-113 HR4149-113 HR4184-113 HR4191-113 HR4198-113 HR4217-113 HR4232-113 HR4234-113 HR4235-113 HR4247-113 HR4248-113 HR4274-113 HR4276-113 HR4314-113 HR4335-113 HR4344-113 HR4356-113 HR4359-113 HR4370-113 HR4374-113 HR4394-113 HR4399-113 HR4408-113 HR4422-113 HR4485-113 HR4488-113 HR4489-113 HR4492-113 HR4516-113 HR4517-113 HR4561-113 HR4574-113 HR4580-113 HR4616-113 HR4629-113 HR4630-113 HR4656-113 HR4669-113 HR4674-113 HR4682-113 HR4688-113 HR4712-113 HR4720-113 HR4723-113 HR4725-113 HR4730-113 HR4741-113 HR4760-113 HR4766-113 HR4774-113 HR4778-113 HR4779-113 HR4793-113 HR4807-113 HR4810-113 HR4816-113 HR4818-113 HR4841-113 HR4852-113 HR4861-113 HR4862-113 HR4863-113 HR4875-113 HR4887-113 HR489-113 HR4892-113 HR4898-113 HR4900-113 HR4912-113 HR4942-113 HR4948-113 HR4971-113 HR4974-113 HR4977-113 HR4999-113 HR5007-113 HR5009-113 HR55-113 HR604-113 HR748-113 HR773-113 HR810-113 HR883-113 HRES13-113 S1032-113 S1041-113 S1078-113 S1119-113 S1174-113 S1190-113 S1197-113 S1211-113 S1216-113 S1246-113 S1262-113 S1281-113 S1295-113 S1296-113 S1320-113 S1361-113 S1367-113 S140-113 S1403-113 S1434-113 S1471-113 S1486-113 S1540-113 S1547-113 S1556-113 S1559-113 S1579-113 S1580-113 S1584-113 S1593-113 S1602-113 S1604-113 S1624-113 S1644-113 S1659-113 S1669-113 S1682-113 S1684-113 S1688-113 S1703-113 S1736-113 S1740-113 S1741-113 S1751-113 S1760-113 S1775-113 S1844-113 S1856-113 S1863-113 S1869-113 S1892-113 S1917-113 S1919-113 S1950-113 S1977-113 S1987-113 S200-113 S2009-113 S2014-113 S2053-113 S2138-113 S2145-113 S2179-113 S2243-113 S2258-113 S2259-113 S2264-113 S2281-113 S2296-113 S2298-113 S2312-113 S2316-113 S2333-113 S2341-113 S2350-113 S2357-113 S2358-113 S2362-113 S2368-113 S2393-113 S2395-113 S2396-113 S2410-113 S2413-113 S2419-113 S2422-113 S2423-113 S2425-113 S2428-113 S2448-113 S2467-113 S2468-113 S2507-113 S2545-113 S259-113 S514-113 S690-113 S705-113 S777-113 S868-113 S922-113 S927-113 S930-113 S944-113 SRES323-113

S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 673 (to amend TILA to establish a national usury rate for consumer credit transactions)S. 690 (to create an Office of the Homeowner Advocate) S. 727 (to improve the examination of depository institutions, and for other purposes) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 949 (to oppose amending the Truth in Lending Act to change definitions provided for points and fees in connection with a mortgage transaction) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1187 (to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt) S. 1217 (to provide secondary mortgage market reform, and for other purposes) S. 1349 (to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes) S. 1376 (to improve FHA and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes) S. 1577 (to oppose amending the Truth in Lending Act to improve upon definitions provided for points and fees in connection with a mortgage transaction) S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) S. 3047 (to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.) S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members) S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit) S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions). S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies) S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC ) S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule) S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes). H.R. 830 (to continue to FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue HAMP) H.R. 861 (to continue NSP) H.R. 1077 (to oppose amending TILA to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1261 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions, and for other purposes) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 (to require minimum mortgage servicing standards) H.R. 1553 (to improve the examination of depository institutions, and for other purposes) H.R. 1566 (to oppose creating a federal charter for Internet consumer credit corporations, and for other purposes) H.R. 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1750 (to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure) H.R. 2767 (to oppose legislation to protect American taxpayers and homeowners by creating sustainable housing finance system for the 21st century) H.R. 2788 (to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt)H.R. 2892 (to oppose amending the Fair Debt Collection Practices Act to preclude law firms and licensed attorneys from the definition of a debt collector when taking certain actions)H.R. 2994 (to amend the Internal Revenue Code of 1986 to extend for one year the exclusion from gross income of discharges of qualified principal residence indebtedness) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers) H.R. 3211 (to oppose amending the Truth in Lending Act to improve upon definitions provided for points and fees in connection with a mortgage transaction) H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes) H.R. 3529 (to provide exemptions from certain mortgage, servicing, and appraisal requirements for non-profit low-income housing providers, and for other purposes) H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system) H.R. 3648 (to support amending the Internal Revenue Code of 1986 to exclude discharges of indebtedness on principal residences from gross income, and for other purposes) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purposes) H.R. 4310 (to support amending the Military Lending Act to provide additional enhancements of protections on consumer credit for members of the armed forces and their dependents) H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 4236 (to amend the Higher Education Act of 1965 and the Truth in Lending Act to clarify the application of prepayment amounts on student loans) H.R. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions) H.R. 6139 (to oppose federal chartering of national consumer credit corporations) BILLS UNDER DISCUSSION/NOT YET INTRODUCED Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to address abusive payday lending practices Senate bill to improve the Net-Price calculator regarding public disclosure of college costs Senate bill to improve servicing of student loans House legislation on debit cards (to ensure there are fair consumer protections for debit card users) House legislation to provide secondary mortgage market reform, and for other purposes (The HOME Forward Act of 2014)

Improving survivor benefits for widows of deceased servicemembers and to restore and improve veterans' benefits. H.R. 235, H.R. 241, H.R. 258, H.R. 288, H.R. 357, H.R. 543, H.R. 562, H.R. 679, H.R. 690, H.R. 883, H.R. 985, H.R. 1357, H.R. 3395, H.R. 4274. S. 6, S. 140, S. 200, S. 210, S. 240, S. 257, S. 262, S. 325, S. 430, S. 492, S. 495, S. 514, S. 515, S. 572, S. 629, S. 674, S. 690, S. 695, S. 705, S. 735, S. 748, S. 778, S. 819, S. 851, S. 863, S. 868, S. 889, S. 893, S. 894, S. 922, S. 927, S. 928, S. 930, S. 932,S. 935, S. 938, S. 939, S. 944, S. 967, S. 1039, S. 1042, S. 1058, S. 1291, S. 1564, S. 1591, S. 1624, S. 1950, S. 1982, S. 2091, H.R. 32, S. 734, H.R. 333, S. 234

Client expense: $418,078 · Firm income: Not reported

Improving survivor benefits for widows of deceased servicemembers and to restore and improve veterans' benefits. H.R. 32, H.R. 235, H.R. 241, H.R. 258, H.R. 288, H.R. 333, H.R. 357, H.R. 543, H.R. 562, H.R. 679, H.R. 690, H.R. 883, H.R. 958, H.R. 1284, H.R. 1333, H.R. 1357, H.R. 1494. S. 6, S. 140, S. 200, S. 240, S. 234, S. 240, S. 257, S. 262, S. 325, S. 430, S. 492, S. 495, S. 514, S. 515, S. 572, S. 629, S. 633, S. 674, S. 690, S. 695, S. 705, S. 734, S. 735, S. 748, S. 778, S. 819, S. 851, S. 863, S. 868, S. 889, S. 893, S. 894, S. 922, S. 927, S. 928, S. 930, S. 932, S. 935, S. 938, S. 939, S. 944, S. 1039, S. 1042, S. 1058, 1087, S. 1243, S. 1564

Client expense: $437,390 · Firm income: Not reported

S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 673 (to amend TILA to establish a national usury rate for consumer credit transactions)S. 690 (to create an Office of the Homeowner Advocate) S. 727 (to improve the examination of depository institutions, and for other purposes) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 949 (to oppose amending the Truth in Lending Act to change definitions provided for points and fees in connection with a mortgage transaction) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1217 (to provide secondary mortgage market reform, and for other purposes) S. 1349 (to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes) S. 1376 (to improve FHA and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes) S. 1577 (to oppose amending the Truth in Lending Act to improve upon definitions provided for points and fees in connection with a mortgage transaction) S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) S. 3047 (to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.) S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members) S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit) S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions). S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies) S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC ) S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule) S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes). H.R. 830 (to continue to FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue HAMP) H.R. 861 (to continue NSP) H.R. 1077 (to oppose amending TILA to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1261 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions, and for other purposes) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 (to require minimum mortgage servicing standards) H.R. 1553 (to improve the examination of depository institutions, and for other purposes) H.R. 1566 (to oppose creating a federal charter for Internet consumer credit corporations, and for other purposes) H.R. 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1750 (to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure) H.R. 2767 (to oppose legislation to protect American taxpayers and homeowners by creating sustainable housing finance system for the 21st century) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers) H.R. 3211 (to oppose amending the Truth in Lending Act to improve upon definitions provided for points and fees in connection with a mortgage transaction)H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes) H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system) H.R. 3648 (to support amending the Internal Revenue Code of 1986 to exclude discharges of indebtedness on principal residences from gross income, and for other purposes) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purposes) H.R. 4310 (to support amending the Military Lending Act to provide additional enhancements of protections on consumer credit for members of the armed forces and their dependents) H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions) H.R. 6139 (to oppose federal chartering of national consumer credit corporations) Additional Agency for Line 17: Consumer Financial Protection Bureau. BILLS UNDER DISCUSSION/NOT YET INTRODUCED Senate legislation to provide secondary mortgage market reform. Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to address abusive payday lending practices House legislation on debit cards (to ensure there are fair consumer protections for debit card users)

Improving survivor benefits for widows of deceased servicemembers and to restore and improve veterans' benefits. H.R. 234, H.R. 241, H.R. 258, H.R. 288, H.R. 357, H.R. 543, H.R. 562, H.R. 679, H.R. 690, H.R. 883, H.R. 958, H.R. 1357, H.R. 3114, H.R. 3274, H.R. 3790, H.J.Res. 72, H.J.Res. 9,. S. 6, S. 200, S. 240, S. 257, S. 262, S. 294, S. 373, S. 430, S. 492, S. 495, S. 514, S. 515, S. 572, S. 629, S. 674, S. 690, S. 695, S. 705, S. 735, S. 748, S. 778, S. 819, S. 851, S. 863, S. 868, S. 889, S. 893, S. 894, S. 922, S. 927S. 928, S. 930, S. 932, S. 935, S. 938, S. 939, S. 944, S. 1039, S. 1042, S. 1058, S. 1148, S. 1211, S. 1216, S. 1262, S. 1291, S. 1361, S. 1564, S. 1573,S. 1591, S. 1624

Client expense: $420,747 · Firm income: Not reported

S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 673 (to amend TILA to establish a national usury rate for consumer credit transactions)S. 690 (to create an Office of the Homeowner Advocate) S. 727 (to improve the examination of depository institutions, and for other purposes) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 949 (to oppose amending the Truth in Lending Act to change definitions provided for points and fees in connection with a mortgage transaction) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1217 (to provide secondary mortgage market reform, and for other purposes) S. 1349 (to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes) S. 1376 (to improve FHA and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes) S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) S. 3047 (to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.) S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members) S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit) S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions). S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies) S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC ) S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule) S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes). H.R. 830 (to continue to FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue HAMP) H.R. 861 (to continue NSP) H.R. 1077 (to oppose amending TILA to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1261 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions, and for other purposes) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 (to require minimum mortgage servicing standards) H.R. 1553 (to improve the examination of depository institutions, and for other purposes) H.R. 1566 (to oppose creating a federal charter for Internet consumer credit corporations, and for other purposes) H.R. 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1750 (to enhance the ability of community financial institutions to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers) H.R. 3211 (to oppose amending the Truth in Lending Act to improve upon definitions provided for points and fees in connection with a mortgage transaction) H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes)H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system) H.R. 3648 (to support amending the Internal Revenue Code of 1986 to exclude discharges of indebtedness on principal residences from gross income, and for other purposes) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purposes) H.R. 4310 (to support amending the Military Lending Act to provide additional enhancements of protections on consumer credit for members of the armed forces and their dependents) H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions) H.R. 6139 (to oppose federal chartering of national consumer credit corporations) BILLS UNDER DISCUSSION/NOT YET INTRODUCED Senate legislation to oppose amending the Truth in Lending Act to change definitions provided for points and fees in connection with a mortgage transaction Senate legislation to provide secondary mortgage market reform. Senate legislation on government sponsored enterprises (to ensure that there is a secondary market to serve low- and moderate-income communities) Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to address abusive payday lending practices Senate legislation to provide for a safe harbor legal liability standard for qualified mortgages House legislation to Protect American Taxpayers and Homeowners by Creating a Sustainable Housing Finance System House legislation on debit cards (to ensure there are fair consumer protections for debit card users)

Improving survivor benefits for widows of deceased servicemembers and to restore and improve veterans' benefits. H.R. 32, H.R. 235, H.R. 241, H.R. 258, H.R. 288, H.R. 333, H.R. 357, H.R. 543, H.R. 562, H.R. 679, H.R. 690, H.R. 883, H.R. 958, H.R. 1284, H.R. 1333, H.R. 1357, H.R. 1494. S. 6, S. 140, S. 200, S. 240, S. 234, S. 240, S. 257, S. 262, S. 325, S. 430, S. 492, S. 495, S. 514, S. 515, S. 572, S. 629, S. 633, S. 674, S. 690, S. 695, S. 705, S. 734, S. 735, S. 748, S. 778, S. 819, S. 851, S. 863, S. 868, S. 889,S. 893, S. 894, S. 922, S. 927, S. 928, S. 930, S. 932, S. 935, S. 938, S. 939, S. 944, S. 1039, S. 1042, S. 1058, 1087, S. 1243, S. 1564

Client expense: $437,390 · Firm income: Not reported

Lobbying issues were: CFPB (encouraging Congress to keep in place an effective federal consumer-focused banking regulator); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); the future of the GSEs and the federal housing finance system [continued on next page][continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentive for servicers to modify loans to prevent foreclosures) Specific legislation that was the subject of lobbying activity: S.Con.Res. 8 (to oppose amendments that would cripple the regulatory process and weaken important public protections) S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 673 (to amend TILA to establish a national usury rate for consumer credit transactions) S. 690 (to create an Office of the Homeowner Advocate) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1217 (to provide secondary mortgage market reform, and for other purposes) S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (a bill to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) S. 3047 (a bill to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (a bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.) S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members) S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit)S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions). S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies) S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC ) S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule) S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes). H.R. 830 (to continue to FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue the Home Affordable Mortgage Program) H.R. 861 (to continue NSP) H.R. 1077 (to oppose amending the Truth in Lending Act's definitions of points and fees in connection with a mortgage transaction) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1221-1227 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1261 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions, and for other purposes) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 (to require minimum mortgage servicing standards) H.R. 1553 (to improve the examination of depository institutions, and for other purposes) H.R. 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers) H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes) H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system)[continued from previous page] H.R. 3648 (to support amending the Internal Revenue Code of 1986 to exclude discharges of indebtness on principal residences from gross income, and for other purposes) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purpo H.R. 4310 (to support amending the Military Lending Act to provide additional enhancements of protections on consumer credit for members of the armed forces and their dependents) H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions). H.R. 6139 (to oppose federal chartering of national consumer credit corporations) BILLS UNDER DISCUSSION/NOT YET INTRODUCED Senate legislation on government sponsored enterprises (to ensure that there is a secondary market to serve low- and moderate-income communities) Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to address abusive payday lending practices Senate legislation to provide for a safe harbor legal liability standard for qualified mortgages House legislation to "Protect American Taxpayers and Homeowners by Creating a Sustainable Housing Finance System" House legislation on debit cards (to ensure there are fair consumer protections for debit card users) Executive branch agencies and issues: Consumer Financial Protection Bureau overdraft fees, bank payday loans, payday loans, mortgage servicing, larger nonbank participants, credit cards, prepaid cards, auto lending, rules to be enforced, lending issues as related to military, interim legal authorities, Alternative Mortgage Transaction Parity Act (AMTPA), mortgage origination rules, depository supervision, qualified mortgage Dept of the Treasury--Office of the Comptroller of the Currency overdraft fees, bank payday loans, preemption, risk retention rules, servicing standards, servicing consent order/independent foreclosure review, mortgage origination rules, payday lendings impact on Community Reinvestment Act evaluations Dept of the Treasury HAMP, GSE reform, risk retention rules, mortgage origination rules Federal Reserve Board overdraft fees, bank payday loans, mortgage origination rules, risk retention rules, servicing standards, credit card rules, interchange revenue, Dodd-Frank implementation, servicing consent order/independent foreclosure review FDIC -- overdraft fees, risk retention rules, servicing standards, bank payday loans, prepaid cards National Credit Union Administration -- regulation of credit union service organizations, payday lending, payday alternative loans Federal Trade Commission -- auto financing HUD -- GSE reform, risk retention rules, mortgage origination rules White House -- foreclosure prevention, risk retention rules, mortgage refinance Federal Housing Finance Administration -- foreclosure prevention, servicing standards

H.R. 288, the "CHAMPVA Children's Protection Act of 2013" H.R. 958/ S. 131, the "Women Veterans and Other Health Care Improvements Act of 2013" H.R. 1284/ S. 633, beneficiary travel for non-service connected catastrophically disabled H.R. 562H.R. 984, Veterans Urotrauma Issues H.R. 1288, the World War II Merchant Mariner Service Act H.R. 1494, the Blue Water Navy Ship Accountability Act H.R. 1623, the VA Claims Efficiency Through Information Act H.R. 2086, the Pay As You Rate Act H.R. 2138, the Ending VA Claims Disability Backlog and Accountability Act H.R. 2189, VA Claims Backlog Commission H.R. 2249, the Disabled Military Child Protection Act H.R. 2382, the Prioritizing Urgent Claims for Veterans Act H.R. 2423, the Disabled Veterans Access to Medical Exams Improvement Act S. 6, the Putting Our Veterans Back to Work Act S. 49, the Veterans Health Equity Act of 2013 S. 62, the Check the Box for Homeless Veterans Act of 2013 S. 200 S. 257, the GI Bill Tuition Fairness Act of 2013 S. 262, the Veterans Education Equity Act of 2013 S. 412, the Keep Our Commitment to Veterans Act S. 422, Chiropractic Care for Veterans S. 430, the Veterans Small Business Opportunity and Protection Act of 2013 S. 455 S. 492 S. 514 S. 515 S. 522, the Wounded Warrior Workforce Enhancement Act S. 529 S. 543, the VISN Reorganization Act of 2013 S. 572, the Veterans Second Amendment Protection Act S. 629, the Honor Americas Guard-Reserve Retirees Act of 2013 S. 674, the Accountability for Veterans Act of 2013 S. 690, the Filipino Veterans Fairness Act of 2013 S. 735, the Survivor Benefits Improvement Act of 2013 S. 778 S. 800, the Treto Garza Far South Texas Veterans Inpatient Care Act of 2013 S. 819, the Veterans Mental Health Treatment First Act of 2013 S. 825, the Homeless Veterans Prevention Act of 2013 S. 832, the Improving the Lives of Children with Spina Bifida Act of 2013 S. 851, the Caregiver Expansion and Improvement Act of 2013 S. 852, the Veterans Health Promotion Act of 2013 S. 863 S. 893, the Veterans Compensation Cost-of-Living Adjustment Act of 2013 S. 894 S. 922, the Veterans Equipped for Success Act of 2013 S. 928, the Claims Processing Improvement Act of 2013 S. 935, the Quicker Veterans Benefits Delivery Act of 2013 S. 939 The Veterans Integrated Mental Health Care Act of 2013 The Veterans Timely Access to Health Care Act The Veterans Affairs Research Transparency Act of 2013 The Demanding Accountability for Veterans Act of 2013 The HAVEN Act Veterans Accessibility Tax Credit The Post-9/11 GI Bill and Executive Order 13607

Improving surviving benefits for widows of deceased servicemembers and to restore and improve veterans' benefits. H.R. 32, H.R. 235, H.R. 241, H.R. 258, H.R. 288, H.R. 303, H.R. 333, H.R. 357, H.R. 543, H.R. 562, H.R. 679, H.R. 883, H.R. 958, H.R. 1209, H.R. 1284, H.R. 1357, H.R. 1494, H.R. 1725, H.R. 1746, H.R. 2001. S. 6, S. 140, S. 200, S. 210, S. 234, S. 240, S. 257, S. 262, S. 294, S. 325, S. 430, S. 492, S. 495, S. 514, S. 515, S. 572, S. 629, S. 633, S. 674, S. 690, S. 695, S. 705, S. 734, S. 735, S. 748,S. 778, S. 819, S. 863, S. 868, S. 889, S. 893, S. 894, S. 922, S. 927, S. 928, S. 930, S. 932, S. 935, S. 938, S. 939, S. 944, S. 1039, S. 1042, S. 1058

Client expense: $563,548 · Firm income: Not reported

Lobbying issues were: CFPB (encouraging Congress to keep in place an effective federal consumer-focused banking regulator); overdraft loans (encouraging Congress to implement restrictions on abusive overdraft practices); payday loans (encouraging Congress to prohibit abusive products and practices); the future of the GSEs and the federal housing finance system [continued on next page][continued from previous page] mortgage lending (encouraging Congress to prohibit abusive products and practices); mortgage loan modifications (encouraging Congress to provide incentive for servicers to modify loans to prevent foreclosures) Specific legislation that was the subject of lobbying activity: S.Con.Res. 8 (to oppose amendments that would cripple the regulatory process and weaken important public protections) S. 222 (to allow for voluntary loss mitigation program in bankruptcy) S. 299 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). S. 489 (to require minimum mortgage servicing standards) S. 527 (to continue HAMP) S. 673 (to amend TILA to establish a national usury rate for consumer credit transactions) S. 690 (to create an Office of the Homeowner Advocate) S. 737 (to keep current regulatory structure of CFPB) S. 824 (to require minimum mortgage servicing standards) S. 967 (to require minimum mortgage servicing standards) S. 1054 (to ensure that the bankruptcy process is fair for consumers) S. 1606 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) S. 1615 (to oppose enhanced economic analysis and justification of regulations proposed by certain federal financial regulators) S. Amdt. 1294 to S. 1867, the Defense Authorization Bill (to enhance consumer credit protections for service members and their families) S. 1963 (to oppose revoking the charters for the government-sponsored enterprises and creating a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes) S. 2072 (a bill to discourage disincentives to the housing missions of the government-sponsored enterprises and require consistent putback risks at the enterprises to assist homeowners) S. 3047 (a bill to encourage responsible homeowners to refinance mortgages, and for other purposes) S. 3085 (a bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Assoc. and the Federal Home Loan Mortgage Corp.) S. 3254 (to provide for stronger credit protections for servicemembers and their dependent family members) S. 3426 (to amend the Truth in Lending Act to address certain issues related to the extension of consumer credit) S. 3452 (to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions).S. 3468 (to oppose affirming the authority of the president to require independent regulatory agencies to comply with regulatory analysis applicable to executive agencies) S. 3522 (to provide for the expansion of affordable refinancing of mortgages held by FNMA and FHLMC ) S. 3571 (to oppose requiring the Bureau of Consumer Financial Protection to conduct a small business review panel on the qualified mortgage rule before the Bureau can go forward with a final rule) S. 4041 (to amend the Electronic Fund Transfer Act to provide protection for consumers who have prepaid cards, and other purposes) H.R. 10 (to oppose requirement that major rules of the executive branch would have no force or effect unless a joint resolution of approval is enacted into law). H.R. 31 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 527 (to oppose a complete analysis of potential impacts on small entities of rules, and for other purposes). H.R. 830 (to continue to FHA short refinance program) H.R. 836 (to continue the Emergency Homeowner Relief Program) H.R. 839 (to continue the Home Affordable Mortgage Program) H.R. 861 (to continue NSP) H.R. 1077 (to oppose amending the Truth in Lending Act's definitions of points and fees in connection with a mortgage transaction) H.R. 1121 (to keep current regulatory structure of CFPB) H.R. 1221 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R 1222 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1223 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1224 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1225 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1226 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1227 (to ensure that there is a secondary market to serve low- and moderate-income communities) H.R. 1261 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions, and for other purposes) H.R. 1315 (to keep current FSOC veto authority structure in CFPB) H.R. 1355 (to maintain the current CFPB regulatory structure and funding system) H.R. 1477 (to require minimum mortgage servicing standards) H.R. 1567 (to require minimum mortgage servicing standards) H.R. 1677 (to keep the current CFPB transfer date in place) H.R. 1697 (to oppose amendments to the Consumer Financial Protection Act of 2010) H.R. 1783 (to require minimum mortgage servicing standards) H.R. 1909 (to oppose the federal chartering of Federal Financial Servicing and Credit Companies) H.R. 2081 (to keep the current CFPB regulatory structure) H.R. 3010 (to oppose reforms to the process by which federal agencies analyze and formulate new regulations and guidance documents) H.R. 3077 (to ensure customers have the right to close depository account without unreasonable cost or other barriers) H.R. 3461 (to oppose purported improvements to the examination of depository institutions, and for other purposes) H.R. 3644 (to oppose purported standardization and transparency in the mortgage backed security system)[continued from previous page] H.R. 3648 (to support amending the Internal Revenue Code of 1986 to exclude discharges of indebtness on principal residences from gross income, and for other purposes) H.R. 4101 (to oppose amending the Fair Debt Collection Practices Act to exempt a debt collector from liability when leaving certain voice messages for a consumer with respect to a debt as long as the debt collector follows regulations prescribed by the Bureau of Consumer Financial Protection on the appropriate manner in which to leave such a message, and for other purpo H.R. 4310 (to support amending the Military Lending Act to provide additional enhancements of protections on consumer credit for members of the armed forces and their dependents) H.R. 4323 (to oppose amending the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction) H.R. 5691 (to amend the Truth in Lending Act to establish fair and transparent practices related to the marketing and provision of overdraft coverage programs at depository institutions). H.R. 6139 (to oppose federal chartering of national consumer credit corporations) The organization supported the appointment of Richard Cordray as director of the Consumer Financial Protection Bureau. BILLS UNDER DISCUSSION/NOT YET INTRODUCED Senate legislation on government sponsored enterprises (to ensure that there is a secondary market to serve low- and moderate-income communities) Senate legislation on checking account overdraft practices (to require fair practices related to overdraft fees) Senate legislation to address abusive payday lending practices Senate legislation to provide for a safe harbor legal liability standard for qualified mortgages House legislation on debit cards (to ensure there are fair consumer protections for debit card users) Executive branch agencies and issues: Consumer Financial Protection Bureau overdraft fees, bank payday loans, payday loans, mortgage servicing, larger nonbank participants, credit cards, prepaid cards, auto lending, rules to be enforced, lending issues as related to military, interim legal authorities, Alternative Mortgage Transaction Parity Act (AMTPA), mortgage origination rules, depository supervision, qualified mortgage Dept of the Treasury--Office of the Comptroller of the Currency overdraft fees, bank payday loans, preemption, risk retention rules, servicing standards, servicing consent order/independent foreclosure review, mortgage origination rules, payday lendings impact on Community Reinvestment Act evaluations Dept of the Treasury HAMP, GSE reform, risk retention rules, mortgage origination rules Federal Reserve Board overdraft fees, bank payday loans, mortgage origination rules, risk retention rules, servicing standards, credit card rules, interchange revenue, Dodd-Frank implementation, servicing consent order/independent foreclosure review FDIC -- overdraft fees, risk retention rules, servicing standards, bank payday loans, prepaid cards National Credit Union Administration -- regulation of credit union service organizations, payday lending, payday alternative loans Federal Trade Commission -- auto financing HUD -- GSE reform, risk retention rules, mortgage origination rules White House -- foreclosure prevention, risk retention rules, mortgage refinance Federal Housing Finance Administration -- foreclosure prevention, servicing standards