Shareholder Protection Act of 2013

General background on U.S. capital markets competitiveness and regulation. S. 652, Securities Litigation Attorney Accountability and Transparency Act. S. 824/H.R. 1734, Shareholder Protection Act of 2013. S. 791, Follow the Money Act of 2013. H.R. 1626, Focusing the SEC on Its Mission Act.

Client expense: Not reported · Firm income: $110,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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).

General background on U.S. capital markets competitiveness and regulation. Potential legislation dealing with attorney pay-to-play issues in securities litigation. S. 652, Securities Litigation Attorney Accountability and Transparency Act. S. 824/H.R. 1734, Shareholder Protection Act of 2013. S. 791, Follow the Money Act of 2013. H.R. 1626, Focusing the SEC on Its Mission Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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).

General background on U.S. capital markets competitiveness and regulation. Potential legislation dealing with attorney pay-to-play issues in securities litigation. S. 652, Securities Litigation Attorney Accountability and Transparency Act. S. 824/H.R. 1734, Shareholder Protection Act of 2013. S. 791, Follow the Money Act of 2013. H.R. 1626, Focusing the SEC on Its Mission Act.

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

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

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)

- HR 22 Foreign Counterfeit Merchandise Prevention Act all provisions relating to cable. - HR 96 Cameras in the Courtroom Act all provisions relating to cable. - HR 128 Fairness in Political Advertising Act of 2013" all provisions relating to cable.- HR 148 Disclosure of Information on Spending on Campaigns Leads to Open and Secure Elections (DISCLOSE) 2013 Act all provisions relating to cable. - HR 539 Federal Communications Commission Collaboration Act of 2013 all provisions relating to cable. - HR 778 No Stolen Trademarks Honored in America Act all provisions relating to cable. - HR 917 Sunshine in the Courtroom Act of 2013- to provide media coverage of federal court proceedings all provisions relating to cable. - HR 1565 Public Safety and Second Amendment Rights Protection Act of 2013 all provisions relating to cable. - HR 1572 Stopping Taxpayer Outlays for Propaganda (STOP) Act" all provisions relating to cable. - HR 1605 Public Safety and Second Amendment Rights Protection Act of 2013 all provisions relating to cable. - HR 1734 Shareholder Protection Act of 2013 all provisions relating to cable. - HR 1954 Sunset Wasteful Executive Expenditures and Programs Act of 2013 all provisions relating to cable. - HR 1962 The Free Flow of Information Act of 2013 all provisions relating to cable. - HR 2236 Promoting Startup Innovation Act all provisions relating to cable. - HR 2342 Federal Agriculture Reform and Risk Management Act of 2013 all provisions relating to cable. - HR 2356 We Are Watching You Act of 2013 all provisions relating to cable. - HR 2466 Private Right of Action Against Theft of Trade Secrets Act of 2013 all provisions relating to cable. - HR 2649 FCC ABCs Act of 2013, to reform the FCCs process during rulemaking all provisions relating to cable. - HR 2670 Openness in Political Expenditures Now ("OPEN") Act" all provisions relating to cable. - HR 2786 Financial Services and General Government Appropriations Act of 2014 all provisions relating to cable. - HR 2787 Commerce, Justice, Science, and Related Agencies Appropriations Act, 2014 all provisions relating to cable. - HR 2844 Federal Communications Commission Consolidated Reporting Act of 2013 all provisions relating to cable. - HR 3196 To amend the Communications Act of 1934 to prohibit the Federal Communications Commission from adopting certain rules or policies relating to multichannel video programming distributors all provisions relating to cable. - HR 3219 Free Market Royalty Act all provisions relating to cable. - HR 3452 Furthering Access and Networks for Sports (FANS) Act" all provisions relating to cable. - HR 3675 "Federal Communications Commission Process Reform Act of 2013" - all provisions relating to cable. - HR 3719 Video CHOICE (Consumers Have Options in Choosing Entertainment) Act" all provisions relating to cable. - HR 3720 Next Generation Television Marketplace Act all provisions relating to cable. - HR 4325 "Protecting Children from Electronic Cigarette Advertising Act" - all provisions relating to cable. - HR 4341 "Truth in Advertising Act" - all provisions relating to cable. - HCon, Res. 16 Supporting the Local Radio Freedom Act- all provisions relating to cable. - HJRes 59 Continuing Appropriations Resolution, 2014 all provisions relating to cable. - S 2 Sandy Hook Elementary School Violence Reduction Act all provisions relating to cable. - S 134 Violent Content Research Act of 2013 all provisions relating to cable. - S 245 Federal Communications Commission Collaboration Act of 2013 all provisions relating to cable. - S 649 Safe Communities, Safe Schools Act of 2013 all provisions relating to cable. - S 405 Sunshine in the Courtroom Act of 2013-to provide media coverage of federal court proceedings all provisions relating to cable. - S 791 Follow the Money Act of 2013 all provisions relating to cable. - S 807 Plain Writing Act for Regulations of 2013 all provisions relating to cable. - S 824 Shareholder Protection Act of 2013 all provisions relating to cable. - S 912 Television Consumer Freedom Act of 2013 all provisions relating to cable. - S 987 Free Flow of Information Act all provisions relating to cable- S 1173 Independent Agency Regulatory Analysis Act of 2013 all provisions relating to cable. - S 1207 Cameras in the Courtroom Act all provisions relating to cable. - S 1379 Federal Communications Commission Consolidated Reporting Act of 2013 all provisions relating to cable. - S 1524 PRO Sports Act all provisions relating to cable.- S 1680 Consumer Choice in Online Video Act all provisions relating to cable. - S 1721 Furthering Access and Networks for Sports (FANS) Act" all provisions relating to cable. - S 1789 Community Access Preservation (CAP) Act" all provisions relating to cable. - S 1989 "Federal Communications Commission Process Reform Act of 2014" - all provisions relating to cable. - S Res 110 Preventing Duplicative and Overlapping Government Programs Resolution all provisions relating to cable.

113th H.R. 1734 and S. 824 - Shareholder Protection Act 113th S. 1385 - Federal Judgeship Act 78 FR 71535 - Guidance for Tax-Exempt Social Welfare Organizations on Candidate-Related Political Activities Campaign finance reform, especially through the Government by the People Act (113th H.R. 20, Drafts Prior)Constitutional amendments related to the Supreme Courts rulings in McCutcheon v. FEC and Citizens United v. FEC, and related cases, especially 113th H.J.Res. 20, H.J.Res. 34, S.J.Res. 11, and S.J.Res. 19 Democracy concerns covering both money in politics and voting rights issues, generally Ethics allegations and related investigation and resulting misconduct report regarding retired Judge Richard Cebull, former United States District Judge for the District of Montana, also preceding calls for his resignation Executive and judicial nominations and appointments incl. both individuals and rules/procedure, also legislative rules/procedures Public comment addressing the meeting of the US Census Bureau's National Advisory Committee on Racial, Ethnic, and Other Populations (NAC), particularly the critical importance of including the lesbian, gay, bisexual, and transgender (LGBT) community in data collection efforts Right-left tensions related to miscellaneous policy issues, public figures, and political outcomes SEC File No. 4-637 Rulemaking Petition: Petition to require public companies to disclose to shareholders the use of corporate resources for political activities State of the Union address 113th H.R. 148 - Democracy is Strengthened by Casting Light on Spending in Elections (DISCLOSE) Act

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

113th H.R. 1734 and S. 824 - Shareholder Protection Act SEC File No. 4-637 Rulemaking Petition: Petition to require public companies to disclose to shareholders the use of corporate resources for political activities

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

Government targets: Bureau of the Census, Equal Employment Opportunity Commission (EEOC), HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), SENATE, Securities & Exchange Commission (SEC), White House Office

113th H.R. 1734 and S. 824 - Shareholder Protection Act SEC File No. 4-637 Rulemaking Petition: Petition to require public companies to disclose to shareholders the use of corporate resources for political activities

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

Government targets: Administration for Children & Families (ACF), Centers For Disease Control & Prevention (CDC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Office of Management & Budget (OMB), Office on Violence Against Women, President of the U.S., SENATE, Securities & Exchange Commission (SEC), White House Office

112th S. 2219/3369, 113th H.R. 148 - Democracy is Strengthened by Casting Light on Spending in Elections (DISCLOSE) Act 113th H.R. 1734 and S. 824 - Shareholder Protection Act 113th S. 1385 - Federal Judgeship ActCampaign finance reform, especially through the Government by the People Act (to be introduced) Constitutional amendments related to the Supreme Courts ruling in Citizens United and related cases, especially 113th H.J.Res. 20, H.J.Res. 34, S.J.Res. 11, and S.J.Res. 19 Democracy concerns covering both money in politics and voting rights issues, generally Executive and judicial nominations and appointments incl. both individuals and rules/procedure, also legislative rules/procedures Right-left tensions related to miscellaneous policy issues, public figures, and political outcomes SEC File No. 4-637 Rulemaking Petition: Petition to require public companies to disclose to shareholders the use of corporate resources for political activities 78 FR 71535 Guidance for Tax-Exempt Social Welfare Organizations on Candidate-Related Political Activities

Client expense: $30,000 · 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)

General background on U.S. capital markets competitiveness and regulation. Potential legislation dealing with attorney pay-to-play issues in securities litigation. S. 652, Securities Litigation Attorney Accountability and Transparency Act. S. 824/H.R. 1734, Shareholder Protection Act of 2013. S. 791, Follow the Money Act of 2013. H.R. 1626, Focusing the SEC on Its Mission Act.Lobbied the Consumer Financial Protection Bureau (CFPB) on issues related to the CFPB Request for Information Regarding Scope, Methods, and Data Sources for Conducting Study of Pre-Dispute Arbitration Agreements.

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

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

- HR 22 Foreign Counterfeit Merchandise Prevention Act all provisions relating to cable. - HR 96 Cameras in the Courtroom Act all provisions relating to cable. - HR 128 Fairness in Political Advertising Act of 2013" all provisions relating to cable.- HR 148 Disclosure of Information on Spending on Campaigns Leads to Open and Secure Elections (DISCLOSE) 2013 Act all provisions relating to cable. - HR 504 To save at least $10,000,000,000 by consolidating some duplicative and overlapping Government programs all provisions relating to cable. - HR 539 Federal Communications Commission Collaboration Act of 2013 all provisions relating to cable. - HR 778 No Stolen Trademarks Honored in America Act all provisions relating to cable. - HR 845 Saving High-Tech Innovators from Egregious Legal Disputes Act of 2013 all provisions relating to cable. - HR 917 Sunshine in the Courtroom Act of 2013- to provide media coverage of federal court proceedings all provisions relating to cable. - HR 1565 Public Safety and Second Amendment Rights Protection Act of 2013 all provisions relating to cable. - HR 1572 Stopping Taxpayer Outlays for Propaganda (STOP) Act all provisions relating to cable. - HR 1605 Public Safety and Second Amendment Rights Protection Act of 2013 all provisions relating to cable. - HR 1734 Shareholder Protection Act of 2013 all provisions relating to cable. - HR 1831 Read the Bills Act all provisions relating to cable. - HR 1954 Sunset Wasteful Executive Expenditures and Programs Act of 2013 all provisions relating to cable. - HR 1962 The Free Flow of Information Act of 2013 all provisions relating to cable. - HR 2024 End Anonymous Patents Act all provisions relating to cable. - HR 2236 Promoting Startup Innovation Act all provisions relating to cable. - HR 2342 Federal Agriculture Reform and Risk Management Act of 2013 all provisions relating to cable. - HR 2356 We Are Watching You Act of 2013 all provisions relating to cable. - HR 2466 Private Right of Action Against Theft of Trade Secrets Act of 2013 all provisions relating to cable. - HR 2639 Patent Litigation and Innovation Act of 2013 all provisions relating to cable. - HR 2649 FCC ABCs Act of 2013, to reform the FCCs process during rulemaking all provisions relating to cable. - HR 2670 OPEN Act, to require corporations and labor unions to disclose to their shareholders or members the amounts disbursed for certain political activity all provisions relating to cable. - HR 2739 Efficient Use of Government Spectrum Act all provisions relating to cable. - HR 2766 STOP (Stopping the Offensive Use of Patents) Act all provisions relating to cable. - HR 2786 Financial Services and General Government Appropriations Act of 2014 all provisions relating to cable. - HR 2787 Commerce, Justice, Science, and Related Agencies Appropriations Act, 2014 all provisions relating to cable. - HR 2844 Federal Communications Commission Consolidated Reporting Act of 2013 all provisions relating to cable. - HR 2911 Wireless Microphone Users Interference Protection Act of 2013 all provisions relating to cable. - HR 3196 To amend the Communications Act of 1934 to prohibit the Federal Communications Commission from adopting certain rules or policies relating to multichannel video programming distributors all provisions relating to cable. - HR 3219 Free Market Royalty Act all provisions relating to cable. - HR 3452 Furthering Access and Networks for Sports (FANS) Act" all provisions relating to cable. - HR 3719 Video CHOICE (Consumers Have Options in Choosing Entertainment) Act" all provisions relating to cable. - HR 3720 Next Generation Television Marketplace Act all provisions relating to cable. - HCon, Res. 16 Supporting the Local Radio Freedom Act- all provisions relating to cable. - HJRes 59 Continuing Appropriations Resolution, 2014 all provisions relating to cable. - S 2 Sandy Hook Elementary School Violence Reduction Act all provisions relating to cable. - S 134 Violent Content Research Act of 2013 all provisions relating to cable. - S 245 Federal Communications Commission Collaboration Act of 2013 all provisions relating to cable. - S 649 Safe Communities, Safe Schools Act of 2013 all provisions relating to cable. - S 405 Sunshine in the Courtroom Act of 2013-to provide media coverage of federal court proceedings all provisions relating to cable. - S 791 Follow the Money Act of 2013 all provisions relating to cable. - S 807 Plain Writing Act for Regulations of 2013 all provisions relating to cable. - S 824 Shareholder Protection Act of 2013 all provisions relating to cable. - S 912 Television Consumer Freedom Act of 2013 all provisions relating to cable. - S 987 Free Flow of Information Act all provisions relating to cable.- S 1173 Independent Agency Regulatory Analysis Act of 2013 all provisions relating to cable. - S 1207 Cameras in the Courtroom Act all provisions relating to cable. - S 1245 Energy and Water Development and Related Agencies Appropriations Act, 2014 all provisions relating to cable. - S 1379 Federal Communications Commission Consolidated Reporting Act of 2013 all provisions relating to cable. - S 1524 PRO Sports Act all provisions relating to cable. - S 1680 Consumer Choice in Online Video Act all provisions relating to cable. - S 1721 Furthering Access and Networks for Sports (FANS) Act" all provisions relating to cable. - S 1789 Community Access Preservation (CAP) Act" all provisions relating to cable. - S 1830 "Tallying of the Actual Liabilities Act of 2013" - all provisions relating to cable. - S Res 110 Preventing Duplicative and Overlapping Government Programs Resolution all provisions relating to cable.

113th S. 1385 Federal Judgeship Act Executive and judicial nominations and appointments incl. both individuals and rules/procedure, also legislative rules/procedures 112th S. 2219/3369, 113th H.R. 148 - Democracy is Strengthened by Casting Light on Spending in Elections (DISCLOSE) ActNational Labor Relations Board (NLRB) and the nominations necessary to ensure that it has the full complement of members necessary to conduct the people's business Right-left tensions related to miscellaneous policy issues, public figures, and political outcomes 113th H.R. 1734 and S. 824 - Shareholder Protection Act Campaign finance reform, generally Constitutional amendments related to the Supreme Courts ruling in Citizens United and related cases, especially 113th H.J.Res. 34, S.J.Res. 11, and S.J.Res. 19 Democracy concerns covering both money in politics and voting rights issues, generally SEC File No. 4-637 Rulemaking Petition: Petition to require public companies to disclose to shareholders the use of corporate resources for political activities

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

113th H.R. 1734 and S. 824 - Shareholder Protection Act SEC File No. 4-637 Rulemaking Petition: Petition to require public companies to disclose to shareholders the use of corporate resources for political activities

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

Government targets: Education, Dept of, HOUSE OF REPRESENTATIVES, Office of Faith-Based & Community Initiatives, Office on Violence Against Women, President of the U.S., SENATE, Securities & Exchange Commission (SEC), White House Office

General background on U.S. capital markets competitiveness and regulation. Potential legislation dealing with attorney pay-to-play issues in securities litigation. S. 652, Securities Litigation Attorney Accountability and Transparency Act. S. 824/H.R. 1734, Shareholder Protection Act of 2013. S. 791, Follow the Money Act of 2013. H.R. 1626, Focusing the SEC on Its Mission Act.Lobbied the Consumer Financial Protection Bureau (CFPB) on issues related to the CFPB Request for Information Regarding Scope, Methods, and Data Sources for Conducting Study of Pre-Dispute Arbitration Agreements.

Client expense: Not reported · Firm income: $110,000

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

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)

- HR 22 Foreign Counterfeit Merchandise Prevention Act all provisions relating to cable. - HR 96 Cameras in the Courtroom Act all provisions relating to cable. - HR 128 Fairness in Political Advertising Act of 2013" all provisions relating to cable.- HR 148 Disclosure of Information on Spending on Campaigns Leads to Open and Secure Elections (DISCLOSE) 2013 Act all provisions relating to cable. - HR 504 To save at least $10,000,000,000 by consolidating some duplicative and overlapping Government programs all provisions relating to cable. - HR 539 Federal Communications Commission Collaboration Act of 2013 all provisions relating to cable. - HR 778 No Stolen Trademarks Honored in America Act all provisions relating to cable. - HR 845 Saving High-Tech Innovators from Egregious Legal Disputes Act of 2013 all provisions relating to cable. - HR 917 Sunshine in the Courtroom Act of 2013- to provide media coverage of federal court proceedings all provisions relating to cable. - HR 1565 Public Safety and Second Amendment Rights Protection Act of 2013 all provisions relating to cable. - HR 1572 To prohibit the use of Federal money for print, radio, television or other media advertisement, campaign, or form of publicity against the use of food or beverage that is lawfully marketed under the Food, Drug, and Cosmetic Act all provisions relating to cable. - HR 1605 Public Safety and Second Amendment Rights Protection Act of 2013 all provisions relating to cable. - HR 1734 Shareholder Protection Act of 2013 all provisions relating to cable. - HR 1831 Read the Bills Act all provisions relating to cable. - HR 1954 Sunset Wasteful Executive Expenditures and Programs Act of 2013 all provisions relating to cable. - HR 1962 The Free Flow of Information Act of 2013 all provisions relating to cable. - HR 2024 End Anonymous Patents Act all provisions relating to cable. - HR 2236 Promoting Startup Innovation Act all provisions relating to cable. - HR 2342 Federal Agriculture Reform and Risk Management Act of 2013 all provisions relating to cable. - HR 2356 We Are Watching You Act of 2013 all provisions relating to cable. - HR 2466 Private Right of Action Against Theft of Trade Secrets Act of 2013 all provisions relating to cable. - HR 2639 Patent Litigation and Innovation Act of 2013 all provisions relating to cable. - HR 2649 FCC ABCs Act of 2013, to reform the FCCs process during rulemaking all provisions relating to cable. - HR 2670 OPEN Act, to require corporations and labor unions to disclose to their shareholders or members the amounts disbursed for certain political activity all provisions relating to cable. - HR 2739 Efficient Use of Government Spectrum Act all provisions relating to cable. - HR 2766 STOP (Stopping the Offensive Use of Patents) Act all provisions relating to cable. - HR 2786 Financial Services and General Government Appropriations Act of 2014 all provisions relating to cable. - HR 2787 Commerce, Justice, Science, and Related Agencies Appropriations Act, 2014 all provisions relating to cable. - HR 2844 Federal Communications Commission Consolidated Reporting Act of 2013 all provisions relating to cable. - HR 2911 Wireless Microphone Users Interference Protection Act of 2013 all provisions relating to cable. - HR 3196 To amend the Communications Act of 1934 to prohibit the Federal Communications Commission from adopting certain rules or policies relating to multichannel video programming distributors all provisions relating to cable. - HR 3219 To amend title 17, United States Code, to provide copyright owners in sounds recordings with the exclusive right to negotiate in the marketplace the performance of their works to the public by means of an audio transmission all provisions relating to cable. - HCon, Res. 16 Supporting the Local Radio Freedom Act- all provisions relating to cable. - HJRes 59 Continuing Appropriations Resolution, 2014 all provisions relating to cable. - HRes 174 Expressing the sense of the House of Representatives that the Speaker should immediately request a conference and appoint conferees to complete work on a fiscal year 2014 budget resolution with the Senate all provisions relating to cable. - S 2 Sandy Hook Elementary School Violence Reduction Act all provisions relating to cable. - S 134 Violent Content Research Act of 2013 all provisions relating to cable. - S 245 Federal Communications Commission Collaboration Act of 2013 all provisions relating to cable. - S 649 Safe Communities, Safe Schools Act of 2013 all provisions relating to cable. - S 405 Sunshine in the Courtroom Act of 2013-to provide media coverage of federal court proceedings all provisions relating to cable. - S 712 Patents for Humanity Program Improvement Act of 2013 all provisions relating to cable. - S 791 Follow the Money Act of 2013 all provisions relating to cable. - S 807 Plain Writing Act for Regulations of 2013 all provisions relating to cable.- S 824 Shareholder Protection Act of 2013 all provisions relating to cable. - S 866 Patent Quality Improvement Act of 2013 all provisions relating to cable. - S 912 Television Consumer Freedom Act of 2013 all provisions relating to cable. - S 987 Free Flow of Information Act all provisions relating to cable. - S 1013 Patent Abuse Reduction Act of 2013 all provisions relating to cable. - S 1173 Independent Agency Regulatory Analysis Act of 2013 all provisions relating to cable. - S 1207 Cameras in the Courtroom Act all provisions relating to cable. - S 1245 Energy and Water Development and Related Agencies Appropriations Act, 2014 all provisions relating to cable. - S 1379 Federal Communications Commission Consolidated Reporting Act of 2013 all provisions relating to cable. - S 1524 PRO Sports Act all provisions relating to cable. - S Res 110 Preventing Duplicative and Overlapping Government Programs Resolution all provisions relating to cable.

HR Resolution 34-Citizen's United, Amendment advocacy, SEC rule on disclosure, Public Financing, IRS reform, Bright Lines Project-purpose of c4's and c6's, STOCK act-political intelligence proposal, S.824-Shareholder protections, Federal Election Commission-enforcement/restructuring, Congressional Franking privilege,

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

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

112th H.R. 1116 and S. 598, 113th H.R. 2523 and S. 1236 - Respect for Marriage Act 112th H.R. 2517 and S. 1360, 113th H.R. 1734 and S. 824 - Shareholder Protection Act 112th H.R. 4010 and S. 2219/3369, 113th H.R. 148 - Democracy is Strengthened by Casting Light on Spending in Elections (DISCLOSE) Act113th H.R. 1844 and S. 878 Arbitration Fairness Act 113th S. 1038 End Racial Profiling Act 78 FR 18725 Homeless Emergency Assistance and Rapid Transition to Housing: Rural Housing Stability Assistance Program and Revisions to the Definition of Chronically Homeless Campaign finance reform, generally Constitutional amendments related to the Supreme Courts ruling in Citizens United and related cases, especially 112th S.J.Res. 29, 113th H.J.Res. 34, S.J.Res. 11, S.J.Res. 18, and S.J.Res. 19 Democracy concerns covering both money in politics and voting rights issues, generally Executive Order 11246 Equal Employment Opportunity Executive Order 13279 Equal Protection of the Laws for Faith-Based and Community Organizations Executive Order 13559 Fundamental Principles and Policymaking Criteria for Partnerships With Faith-Based and Other Neighborhood Organizations Faith-based initiatives and other government-related religion proposals generally incl. funding and grant-making practices, proselytization and employment discrimination concerns, and anti-discrimination language Implementing the recommendations of the Interagency Working Group on Faith-Based and Other Neighborhood Partnerships, as contained in "Recommendations of the Interagency Working Group on Faith-Based and Other Neighborhood Partnerships," April 2012 Implementing the recommendations of the Presidents Advisory Council on Faith-Based and Neighborhood Partnerships, as contained in "A New Era of Partnerships: Report of Recommendations to the President," March 2010 Justice Department's Office of Legal Counsel (OLC) memorandum interpreting the Religious Freedom Restoration Act (RFRA) (Public Law No: 103-141), "Application of the Religious Freedom Restoration Act to the Award of a Grant Pursuant to the Juvenile Justice and Delinquency Prevention Act," June 29, 2007 Marriage equality litigation, especially United States v. Windsor and Hollingsworth v. Perry Revelations regarding government surveillance and Federal Bureau of Investigation and National Security Agency data collection programs, especially as they relate to Sections 206 and 215 of the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (USA PATRIOT ACT) Act (Public Law No: 107-56), Section 6001 of the Intelligence Reform and Terrorism Prevent Act (Public Law No: 108-458), the FISA Amendments Act (Public Law No: 110-261), and the state secrets privilege; creation of a special committee; and the holding accountable of public officials SEC File No. 4-637 Rulemaking Petition: Petition to require public companies to disclose to shareholders the use of corporate resources for political activities Student Non-Discrimination Act (112th: H.R. 998 and S. 555, 113th H.R. 1652 and S. 1088) and its inclusion in the reauthorization (especially 113th S. 1094) of the Elementary and Secondary Education Act (Public Law 89-10) Substance Abuse and Mental Health Services Administration (SAMHSA) regulations governing beneficiary protections (42 C.F.R. Parts 54 and 54a) and three additional protections not included therein as recommended by the Presidents Advisory Council on Faith-Based and Neighborhood Partnerships, as contained in "A New Era of Partnerships: Report of Recommendations to the President," March 2010 Voting Rights Act, especially Section 4 Coverage Formula and Section 5 Preclearance, and congressional responses to the Supreme Court's ruling in Shelby County v. Holder

112th H.R. 1116 and S. 598, 113th H.R. 2523 and S. 1236 - Respect for Marriage Act 112th H.R. 1397 and S. 811, 113th H.R. 1755 and S. 815 - Employment Non-Discrimination Act 112th H.R. 2517 and S. 1360, 113th H.R. 1734 and S. 824 - Shareholder Protection Act112th H.R. 4010 and S. 2219/3369, 113th H.R. 148 Democracy is Strengthened by Casting Light on Spending in Elections (DISCLOSE) Act 112th H.R. 5647 and S. 3565, 113th H.R. 1975 and S. 942 Pregnant Workers Fairness Act 113th H.R. 1844 and S. 878 Arbitration Fairness Act 113th H.R. 377 and S. 84 Paycheck Fairness Act 113th S. 1038 End Racial Profiling Act 113th S. 1094 Strengthening America's Schools Act, Voucher Amendments and Substitute Bills 78 FR 18725 Homeless Emergency Assistance and Rapid Transition to Housing: Rural Housing Stability Assistance Program and Revisions to the Definition of Chronically Homeless Campaign finance reform, generally Comprehensive immigration reform, especially 113th S. 744 Border Security, Economic Opportunity, and Immigration Modernization Act Constitutional amendments related to the Supreme Courts ruling in Citizens United and related cases, especially 112th S.J.Res. 29, 113th H.J.Res. 34, S.J.Res. 11, S.J.Res. 18, and S.J.Res. 19 Democracy concerns covering both money in politics and voting rights issues, generally Development, Relief, and Education for Alien Minors (DREAM) Act (112th H.R. 1842 and S. 952), Deferred Action for Childhood Arrivals (DACA) (June 15, 2012), and their inclusion in comprehensive immigration reform (especially 113th S. 744 Cmte Amdt 1) Executive Order 11246 Equal Employment Opportunity Executive Order 13279 Equal Protection of the Laws for Faith-Based and Community Organizations Executive Order 13559 Fundamental Principles and Policymaking Criteria for Partnerships With Faith-Based and Other Neighborhood Organizations Faith-based initiatives and other government-related religion proposals generally incl. funding and grant-making practices, proselytization and employment discrimination concerns, and anti-discrimination language Implementing the recommendations of the Interagency Working Group on Faith-Based and Other Neighborhood Partnerships, as contained in "Recommendations of the Interagency Working Group on Faith-Based and Other Neighborhood Partnerships," April 2012 Implementing the recommendations of the Presidents Advisory Council on Faith-Based and Neighborhood Partnerships, as contained in "A New Era of Partnerships: Report of Recommendations to the President," March 2010 Issuance of an executive order banning federal contractors from discriminating against lesbian, gay, bisexual, and transgender (LGBT) Americans Issuance of an executive order banning retaliation against the employees of federal contractors for disclosing or inquiring about their wages Justice Department's Office of Legal Counsel (OLC) memorandum interpreting the Religious Freedom Restoration Act (RFRA) (Public Law No: 103-141), "Application of the Religious Freedom Restoration Act to the Award of a Grant Pursuant to the Juvenile Justice and Delinquency Prevention Act," June 29, 2007 Marriage equality litigation, especially United States v. Windsor and Hollingsworth v. Perry National Labor Relations Board (NLRB) and the nominations necessary to ensure that it has the full complement of members necessary to conduct the people's business Removal of Representative Michele Bachmann from her seat on the Permanent Select Committee on Intelligence following Islamophobic statements and actions Revelations regarding government surveillance and Federal Bureau of Investigation and National Security Agency data collection programs, especially as they relate to Sections 206 and 215 of the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (USA PATRIOT ACT) Act (Public Law No: 107-56) and Section 6001 of the Intelligence Reform and Terrorism Prevent Act (Public Law No: 108-458), the FISA Amendments Act (Public Law No: 110-261), and the state secrets privilege; creation of a special committee; and the holding accountable of public officials Safe Schools Improvement Act (113th H.R. 1199 and S. 403) and its inclusion in the reauthorization (especially 113th S. 1094) of the Elementary and Secondary Education Act (Public Law 89-10)SEC File No. 4-637 Rulemaking Petition: Petition to require public companies to disclose to shareholders the use of corporate resources for political activities Strengthening wage data collection and reporting requirements in order to help federal enforcement agencies detect and prevent wage discrimination, especially the finalization, implementation, and expansion of the compensation data collection tool at the Department of Labors Office of Federal Contract Compliance Programs (OFCCP), and the reinstatement of OFCCPs Equal Opportunity Survey, as well as steps to be taken by the Equal Employment Opportunity Commission Student Non-Discrimination Act (112th: H.R. 998 and S. 555, 113th H.R. 1652 and S. 1088) and its inclusion in the reauthorization (especially 113th S. 1094) of the Elementary and Secondary Education Act (Public Law 89-10) Substance Abuse and Mental Health Services Administration (SAMHSA) regulations governing beneficiary protections (42 C.F.R. Parts 54 and 54a) and three additional protections not included therein as recommended by the Presidents Advisory Council on Faith-Based and Neighborhood Partnerships, as contained in "A New Era of Partnerships: Report of Recommendations to the President," March 2010 Taking of steps to improve the enforcement of compensation discrimination, especially the rescission of guidance (Compensation Standards and Voluntary Guidelines) that has hampered the ability of the Department of Labors Office of Federal Contract Compliance Programs (OFCCP) to effectively identify and address compensation discrimination Uniting American Families Act (UAFA) (113th H.R. 519 and S. 296) and its inclusion in comprehensive immigration reform (especially 113th S. 744 Cmte Amdts 6 and 7) Voting Rights Act, especially Section 4 Coverage Formula and Section 5 Preclearance, and congressional responses to the Supreme Court's ruling in Shelby County v. Holder Public Law No: 111-148 Patient Protection and Affordable Care Act 112th H.R. 5799 and S. 3608, 113th H.R. 12 and S. 123 Voter Empowerment Act Pregnant and Parenting Students Access to Education Act (112th H.R. 2617, 113th H.R. 1845 and S. 870) and its inclusion in the reauthorization (especially 113th S. 1094) of the Elementary and Secondary Education Act (Public Law 89-10)

112th H.R. 2517 and S. 1360, 113th H.R. 1734 and S. 824 Shareholder Protection Act SEC File No. 4-637 Rulemaking Petition: Petition to require public companies to disclose to shareholders the use of corporate resources for political activities

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

Government targets: Agriculture, Dept of (USDA), Commerce, Dept of (DOC), Corporation for Natl & Community Service, Education, Dept of, Environmental Protection Agency (EPA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Faith-Based & Community Initiatives, Office of Management & Budget (OMB), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), State, Dept of (DOS), U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA), White House Office

General background on U.S. capital markets competitiveness and regulation. Potential legislation dealing with attorney pay-to-play issues in securities litigation. CFPB Request for Information Regarding Scope, Methods, and Data Sources for Conducting Study of Pre-Dispute Arbitration Agreements. S. 652, Securities Litigation Attorney Accountability and Transparency Act. S. 824/H.R. 1734, Shareholder Protection Act of 2013. S. 791, Follow the Money Act of 2013. H.R. 1626, Focusing the SEC on Its Mission Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

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

- HR 22 Foreign Counterfeit Merchandise Prevention Act all provisions relating to cable. - HR 96 Cameras in the Courtroom Act all provisions relating to cable. - HR 128 Fairness in Political Advertising Act of 2013" all provisions relating to cable.- HR 148 Disclosure of Information on Spending on Campaigns Leads to Open and Secure Elections (DISCLOSE) 2013 Act all provisions relating to cable. - HR 504 To save at least $10,000,000,000 by consolidating some duplicative and overlapping Government programs all provisions relating to cable. - HR 539 Federal Communications Commission Collaboration Act of 2013 all provisions relating to cable. - HR 778 No Stolen Trademarks Honored in America Act all provisions relating to cable. - HR 845 Saving High-Tech Innovators from Egregious Legal Disputes Act of 2013 all provisions relating to cable. - HR 917 Sunshine in the Courtroom Act of 2013- to provide media coverage of federal court proceedings all provisions relating to cable. - HR 1565 Public Safety and Second Amendment Rights Protection Act of 2013 all provisions relating to cable. - HR 1572 To prohibit the use of Federal money for print, radio, television or other media advertisement, campaign, or form of publicity against the use of food or beverage that is lawfully marketed under the Food, Drug, and Cosmetic Act all provisions relating to cable. - HR 1605 Public Safety and Second Amendment Rights Protection Act of 2013 all provisions relating to cable. - HR 1734 Shareholder Protection Act of 2013 all provisions relating to cable. - HR 1831 Read the Bills Act all provisions relating to cable. - HR 1954 Sunset Wasteful Executive Expenditures and Programs Act of 2013 all provisions relating to cable. - HR 1962 The Free Flow of Information Act of 2013 all provisions relating to cable. - HR 2024 End Anonymous Patents Act all provisions relating to cable. - HR Con, Res. 16 Supporting the Local Radio Freedom Act- all provisions relating to cable. - HRes 174 Expressing the sense of the House of Representatives that the Speaker should immediately request a conference and appoint conferees to complete work on a fiscal year 2014 budget resolution with the Senate all provisions relating to cable. - S 2 Sandy Hook Elementary School Violence Reduction Act all provisions relating to cable. - S 134 Violent Content Research Act of 2013 all provisions relating to cable. - S 245 Federal Communications Commission Collaboration Act of 2013 all provisions relating to cable. - S 649 Safe Communities, Safe Schools Act of 2013 all provisions relating to cable. - S 405 Sunshine in the Courtroom Act of 2013-to provide media coverage of federal court proceedings all provisions relating to cable. - S 791 Follow the Money Act of 2013 all provisions relating to cable. - S 807 Plain Writing Act for Regulations of 2013 all provisions relating to cable. - S 824 Shareholder Protection Act of 2013 all provisions relating to cable. - S 866 Patent Quality Improvement Act of 2013 all provisions relating to cable. - S 912 Television Consumer Freedom Act of 2013 all provisions relating to cable. - S 987 Free Flow of Information Act all provisions relating to cable. - S 1173 Independent Agency Regulatory Analysis Act of 2013 all provisions relating to cable. - S 1207 Cameras in the Courtroom Act all provisions relating to cable. -S 1245 Energy and Water Development and Related Agencies Appropriations Act, 2014 all provisions relating to cable. - S Res 110 Preventing Duplicative and Overlapping Government Programs Resolution all provisions relating to cable.

SEC rule on Disclosure, STOCK Act S. 716, Political intelligence, Shareholder protection Act HR 1734/S 824, IRS reform-Bright Lines Standards, Constitutional Amendment-Citizen's United overturn- H J Resolution 34, Fair Elections Now Act HR 269, and in the Senate, Conflict of interest-bonuses for government, Revolving door, Use of Military aircraft HR 1359, IRS primary purpose standard

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

Government targets: Commodity Futures Trading Commission (CFTC), HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of, White House Office

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