Relationship Lending Preservation Act of 2015

Housing finance reform; Dodd-Frank implementation; covered bond legislation; Basel III implementation; HR 299-FHLBank membership for privately insured credit unions; qualified mortgage regulations-status of FHLBank loans- S.1974- Relationship Lending Preservation Act of 2015); regulatory reform legislation - (S.1484- Financial Regulatory Improvement Act of 2015); CFTC Reauthorization Legislation - Identified Banking Products treatment for FHLBank advances; FDIC Small Bank Assessment regulation; FHFA rulemaking, including FHLBank membership rule and related legislation (S. 1484; H.R.3808); Federal Reserve Proposed Rule on Single-Counterparty Credit Exposures; Fed/FDIC/OCC proposed rule on Long Term Liquidity Requirements (NSFR); general FHLBank matters.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

Housing finance reform; Dodd-Frank implementation; covered bond legislation; Basel III implementation; HR 299 - FHLBank membership for privately insured credit unions; qualified mortgage regulations - status of FHLBank loans- S. 1974- Relationship Lending Preservation Act of 2015; regulatory reform legislation -(S. 1484- Financial Regulatory Improvement Act of 2015); CFTC Reauthorization Legislation - Identified Banking Products treatment for FHLBank advances; FDIC Small Bank Assessment regulation; FHFA rulemaking, including FHLBank membership rule and related legislation (S. 1484; H.R. 3808); Federal Reserve Proposed Rule on Single-Counterparty Credit Exposures; Fed/FDIC/OCC proposed rule on Long Term Liquidity Requirements (NSFR); general FHLBank matters.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

H.R. 685, the Mortgage Choice Act of 2015 (clarifies the QM rules points and fees test). H.R. 2213/ S. 1711, to provide for a temporary safe harbor from the enforcement of certain mortgage requirements under the RESPA/TILA Integrated Disclosure rules H.R. 3192, the Homebuyers Assistance Act S. 1974, the Relationship Lending Preservation Act of 2015

Client expense: $2,300,000 · Firm income: Not reported

Housing finance reform; Dodd-Frank implementation; covered bond legislation; Basel III implementation; HR 299-FHLBank membership for privately insured credit unions; qualified mortgage regulations-status of FHLBank loans- S.1974- Relationship Lending Preservation Act of 2015); regulatory reform legislation - (S.1484- Financial Regulatory Improvement Act of 2015); CFTC Reauthorization Legislation - Identified Banking Products treatment for FHLBank advances; FDIC Small Bank Assessment regulation; FHFA rulemaking, including FHLBank membership rule and related legislation (S. 1484; H.R.3808); Federal Reserve Proposed Rule on Single-Counterparty Credit Exposures; Fed/FDIC/OOO proposed rule on Long Term Liquidity Requirements (NSFR); general FHLBank matters.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

Housing finance reform; Dodd-Frank implementation; covered bond legislation; Basel III implementation; HR 299 - FHLBank membership for privately insured credit unions; qualified mortgage regulations - status of FHLBank loans- S. 1974- Relationship Lending Preservation Act of 2015; regulatory reform legislation -(S. 1484- Financial Regulatory Improvement Act of 2015); CFTC Reauthorization Legislation - Identified Banking Products treatment for FHLBank advances; FDIC Small Bank Assessment regulation; FHFA rulemaking, including FHLBank membership rule and related legislation (S. 1484; H.R. 3808); Federal Reserve Proposed Rule on Single-Counterparty Credit Exposures; Fed/FDIC/OOO proposed rule on Long Term Liquidity Requirements (NSFR); general FHLBank matters.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE

H.R. 685, the Mortgage Choice Act of 2015 (clarifies the QM rules points and fees test). H.R. 2213/ S. 1711, to provide for a temporary safe harbor from the enforcement of certain mortgage requirements under the RESPA/TILA Integrated Disclosure rules H.R. 3192, the Homebuyers Assistance Act S. 1974, the Relationship Lending Preservation Act of 2015

Client expense: $2,150,000 · Firm income: Not reported

Housing finance reform; Dodd-Frank implementation; covered bond legislation; Basel III implementation; HR 299-FHLBank membership for privately insured credit unions; qualified mortgage regulations-status of FHLBank loans- S.1974- Relationship Lending Preservation Act of 2015; regulatory reform legislation - (S.1484- Financial Regulatory Improvement Act of 2015; CFTC Reauthorization Legislation - Identified Banking Products treatment for FHLBank advances; FDIC Small Bank Assessment regulation; FHFA rulemaking, including FHLBank membership rule and related legislation (S. 1484; H.R.3808); Federal Reserve NPR Single-Counterparty Credit Exposures; general FHLBank matters.

Client expense: $290,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE

Housing finance reform; Dodd-Frank implementation; covered bond legislation; Basel III implementation; HR 299 - FHLBank membership for privately insured credit unions; qualified mortgage regulations - status of FHLBank loans- S. 1974- Relationship Lending Preservation Act of 2015; regulatory reform legislation -(S. 1484- Financial Regulatory Improvement Act of 2015); CFTC Reauthorization Legislation - Identified Banking Products treatment for FHLBank advances; FDIC Small Bank Assessment regulation; FHFA rulemaking, including FHLBank membership rule and related legislation (S. 1484; H.R. 3808); Federal Reserve NPR Single-Counterparty Credit Exposures; general FHLBank matters.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, SENATE

H.R. 685, the Mortgage Choice Act of 2015 (clarifies the QM rules points and fees test). H.R. 2213/ S. 1711, to provide for a temporary safe harbor from the enforcement of certain mortgage requirements under the RESPA/TILA Integrated Disclosure rules H.R. 3192, the Homebuyers Assistance Act S. 1974, the Relationship Lending Preservation Act of 2015

Client expense: $3,280,000 · Firm income: Not reported

H.R. 22 Developing a Reliable and Innovating Vision for the Economy -Section 52203 (Fed dividend pay for) H.R. 601 Eliminate Privacy Notice Confusion Act H.R. 766 Financial Institution Customer Protection Act H.R. 888 Subsidy Reserve Act H.R. 957 The CFPB -IG Act H.R. 1113 Portfolio Lending and Mortgage Access Act H.R. 1188 Credit Union Small Business Jobs Creation Act H.R. 1195 The Bureau of Consumer Financial Protection Small Business Advisory Board Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1233 CLEAR Relief Act H.R. 1259 The HELP Rural Communities Act H.R. 1266 The Financial Products Safety Commission Act H.R. 1334 Holding Company Registration Threshold Equalization Act of 2015 H.R. 1408 The Community Bank Mortgage Servicing Asset Capital Requirements Study Act H.R. 1422 CU Residential Loan Parity Act H.R. 1523 Community Bank Access to Capital Act H.R. 1529 The Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act H.R. 1660 The Federal Savings Association Charter Flexibility Act H.R. 1661 Mutual Bank Capital Opportunity Act H.R. 1737 The Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1766 Right to Lend Act of 2015 H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 2029 Consolidated Appropriations Act H.R. 2205 Data Security Act of 2015 H.R. 2213 TRID Safe Harbor Protection H.R. 2209 To require the appropriate Federal banking agencies to treat certain municipal obligations as level 2A liquid assets, and for other purposes. H.R. 2896 Tailor Act of 2015 H.R. 2995 FY 2016 Financial Services Approps Bill - Opposed Amendment to Offer HR 1188 Bill H.R. 2987 Community Bank Capital Clarification Act H.R. 3038 Highway and Transportation Funding Act of 2015 (section 2003) H.R. 3048 Community Financial Institution Exemption Act H.R. 3236 Care Choice Improvement Act of 2015 (Highway Trust Fund Act) H.R. 3705 Financial Regulatory Clarity Act of 2015 H.R. 3791 A bill to increase Small Bank Holding Policy Statement threshold from $1B to $5B in assets H.R. 3808 To require the withdrawal and study of the Federal Housing Finance Agencys proposed rule on Federal Home Loan Bank membership H.R. 4116 To amend the Federal Deposit Insurance Act to ensure that the reciprocal deposits are not considered to be funds obtained by or through a deposit broker S. 423 Privacy Notice Modernization Act S. 482 CFPB Exam and Reporting Threshold Act S. 754 Cybersecurity Information Sharing Act of 2015 S. 774 Financial Institutions and Exam Fairness Reform S. 812 The CLEAR Relief Act S. 871 HELP Rural Communities Act S.961 Data Security Act of 2015 S. 927 CLEAR Relief Plus Act S. 970 18-Month Exam Cycle S. 1484 Financial Regulatory Improvement Act S. 1491 Community Lender Regulatory Relief and Consumer Protection Act S. 1647 Developing a Reliable and Innovative Vision for the Economy Act - Fed Reserve Dividend S. 1711 TRID Safe Harbor Protection S. 1816 Community Bank Access to Capital Act S. 1974 The Relationship Lending Preservation Act Appraisal Exemption Basel III/Capital Access Call Report Burden CFPB Data Collection CFPB Overdraft CFPB Reforms/Governance CFPB Small Business Data Collection CFPB Small Dollar/Payday Lending Congressional Payments Technology Caucus Credit Union Business Lending Powers Cybersecurity - Information Sharing Data Security and Breaches De Novo Bank Applications Department of Justice Operation Chokepoint Escrow Mortgage Requirements FASB Accounting Rules for Loan Loss Reserves Faster Payments FDIC Small Bank Assessments Federal Reserve Reform Federal Home Loan Bank Membership Rules Home Mortgage Disclosure Act (HMDA) Regulations House Payments Innovation Caucus Housing Finance Reform Military Lending Act Rules Mortgage Lending Reform Mutual Banks NCUA Proposed Rule to Extend Member Business Lending, Commercial Lending, Part 72B Online/Marketplace Lending Qualified Mortgages, Ability to Repay Rules Reduction in Dividend Rate on Federal Reserve Stock Regulatory Burden for Community Banks Regulatory and Tax Relief for Community Banks SBA 7(a) Lending Limit Senate Payments Innovation Caucus Small Bank Holding Company Policy Statement TILA/RESPA Integrated Disclosures Implementation Too Big To Fail Virtual Currency

Housing finance reform; Dodd-Frank implementation; covered bond legislation; Basel III implementation; HR 299-FHLBank membership for privately insured credit unions; qualified mortgage regulations-status of FHLBank loans- S.1974- Relationship Lending Preservation Act of 2015; regulatory reform legislation - (S.1484- Financial Regulatory Improvement Act of 2015; CFTC Reauthorization Legislation - Identified Banking Products treatment for FHLBank advances; FDIC Small Bank Assessment regulation; FHFA rulemaking, including NPR on FHLBank membership and related legislation (S. 1484; H.R.3808); general FHLBank matters.

Client expense: $310,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE

Housing finance reform; Dodd-Frank implementation; covered bond legislation; Basel III implementation; HR 299 - FHLBank membership for privately insured credit unions; qualified mortgage regulations - status of FHLBank loans- S. 1974- Relationship Lending Preservation Act of 2015; regulatory reform legislation -(S. 1484- Financial Regulatory Improvement Act of 2015); CFTC Reauthorization Legislation - Identified Banking Products treatment for FHLBank advances; FDIC Small Bank Assessment regulation; FHFA rulemaking, including NPR on FHLBank membership and related legislation (S. 1484; H.R. 3808); general FHLBank matters.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE

H.R. 685, the Mortgage Choice Act of 2015 (clarifies the QM rules points and fees test). H.R. 2213/ S. 1711, to provide for a temporary safe harbor from the enforcement of certain mortgage requirements under the RESPA/TILA Integrated Disclosure rules H.R. 3192, the Homebuyers Assistance Act S. 1974, the Relationship Lending Preservation Act of 2015

Client expense: $4,260,000 · Firm income: Not reported

H.R. 22 Developing a Reliable and Innovating Vision for the Economy -Section 52203 (Fed dividend pay for) H.R. 601 Eliminate Privacy Notice Confusion Act H.R. 766 Financial Institution Customer Protection Act H.R. 888 Subsidy Reserve Act H.R. 957 The CFPB -IG Act H.R. 1090 The Retail Investor Protection Act H.R. 1113 Portfolio Lending and Mortgage Access Act H.R. 1188 Credit Union Small Business Jobs Creation Act H.R. 1195 The Bureau of Consumer Financial Protection Small Business Advisory Board Act H.R. 1210 Portfolio Lending and Mortgage Access Act H.R. 1233 CLEAR Relief Act H.R. 1259 The HELP Rural Communities Act H.R. 1266 The Financial Products Safety Commission Act H.R. 1334 Holding Company Registration Threshold Equalization Act of 2015 H.R. 1389 American Jobs and Community Revitalization Act H.R. 1408 The Community Bank Mortgage Servicing Asset Capital Requirements Study Act H.R. 1422 CU Residential Loan Parity Act H.R. 1523 Community Bank Access to Capital Act H.R. 1529 The Community Institution Mortgage Relief Act H.R. 1553 Small Bank Exam Cycle Reform Act H.R. 1660 The Federal Savings Association Charter Flexibility Act H.R. 1661 Mutual Bank Capital Opportunity Act H.R. 1737 The Reforming CFPB Indirect Auto Financing Guidance Act H.R. 1766 Right to Lend Act of 2015 H.R. 1941 Financial Institutions Examination Fairness and Reform Act H.R. 1974 Relationship Lending Preservation Act H.R. 2205 Data Security Act of 2015 H.R. 2213 TRID Safe Harbor Protection H.R. 2896 Tailor Act of 2015 H.R. 2995 FY 2016 Financial Services Approps Bill - Opposed Amendment to Offer HR 1188 Bill H.R. 2987 Community Bank Capital Clarification Act H.R. 3038 Highway and Transportation Funding Act of 2015 (section 2003) H.R. 3048 Community Financial Institution Exemption Act H.R. 3192 Homebuyers Assistance Act H.R. 3236 Care Choice Improvement Act of 2015 (Highway Trust Fund Act) S. 423 Privacy Notice Modernization Act S. 482 CFPB Exam and Reporting Threshold Act S. 754 Cybersecurity Information Sharing Act of 2015 S. 774 Financial Institutions and Exam Fairness Reform S. 812 The CLEAR Relief Act S. 871 HELP Rural Communities Act S. 881 A bill to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise unnecessary regulatory requirements imposed on financial institutions, and for other purposes (EGRPRA) S.961 Data Security Act of 2015 S. 966 Commercial Real Estate and Economic Development Act S. 927 CLEAR Relief Plus Act S. 970 18-Month Exam Cycle S. 1484 Financial Regulatory Improvement Act S. 1491 Community Lender Regulatory Relief and Consumer Protection Act S. 1647 Highway Transportation - Fed Reserve Dividend S. 1711 TRID Safe Harbor Protection S. 1816 Community Bank Access to Capital Act S. 1963 Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 1974 The Relationship Lending Preservation Act Appraisal Exemption Basel III/Capital Access Call Report Burden CFPB Data Collection CFPB Reforms/Governance CFPB Small Business Data Collection CFPB Small Dollar/Payday Lending Congressional Payments Technology Caucus Credit Union Business Lending Powers Cybersecurity - Information Sharing Data Security and Breaches De Novo Bank Applications Department of Justice Operation Chokepoint Escrow Mortgage Requirements Fair Lending/Disparate Impact FASB Accounting Rules for Loan Loss Reserves Faster Payments FDIC Small Bank Assessments Federal Reserve Reform Federal Home Loan Bank Membership Rules Flood Insurance Reform Implementation of Biggert-Waters Act Home Mortgage Disclosure Act (HMDA) Regulations Housing Finance Reform Military Lending Act Rules Mortgage Escrow Requirements Mortgage Lending Reform Mutual Banks Nomination of Mr. Amias Gerety to serve as Treasury Assistant Secretary for Financial Institutions Online/Marketplace Lending Qualified Mortgages, Ability to Repay Rules Reduction in Dividend Rate on Federal Reserve Stock Regulatory Burden for Community Banks Regulatory and Tax Relief for Community Banks SBA 7(a) Lending Limit Senate Payments Innovation Caucus Small Bank Holding Company Policy Statement Surface Transportation and Veterans Health Telephone Consumer Protection Act Exception Ruling TILA/RESPA Integrated Disclosures Implementation Too Big To Fail Virtual Currency

Housing finance reform; Dodd-Frank implementation; covered bond legislation; Basel III implementation; HR 299-FHLBank membership for privately insured credit unions; qualified mortgage regulations-status of FHLBank loans- S.1974- Relationship Lending Preservation Act of 2015; regulatory reform legislation - (S.1484- Financial Regulatory Improvement Act of 2015; CFTC Reauthorization Legislation - Identified Banking Products treatment for FHLBank advances; FDIC Small Bank Assessment regulation; FHFA rulemaking, including NPR on FHLBank membership; general FHLBank matters.

Client expense: $260,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE

Housing finance reform; Dodd-Frank implementation; covered bond legislation; Basel III implementation; HR 299 - FHLBank membership for privately insured credit unions; qualified mortgage regulations - status of FHLBank loans- S. 1974- Relationship Lending Preservation Act of 2015; regulatory reform legislation -(S. 1484- Financial Regulatory Improvement Act of 2015; CFTC Reauthorization Legislation - Identified Banking Products treatment for FHLBank advances; FDIC Small Bank Assessment regulation; FHFA rulemaking, including NPR on FHLBank membership; general FHLBank matters.

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

Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, SENATE