Community Financial Protection Act of 2015

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR185; HR 299; HR 601; HR 685; HR 957; HR 989; HR 1090 HR 1133; HR 1176; HR 1188; HR 1195; HR 1233; HR 1266; HR 1408; HR 1422; HR 1480; HR 1491; HR 1529; HR 1550; HR 1659; HR 1660; HR 1661; HR 1737; HR 1941; HR 2099; HR 2205; HR 2213; HR 2473; HR 2477; HR 2642; HR 2769; HR 3192; HR 3340; HR 3557; HR 3700; HR 3738; HR 3808; HR 3857; HR 4099; HR 4166; HR 4210; S. 423; S. 482; S. 726; S. 774; S. 924; S. 970; S. 1383; S. 1440; S. 1484; S. 1491; S. 2006; S. 2028; S. 2038; S. 2315 data security and cybersecurity; patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR185; HR 299; HR 601; HR 685; HR 957; HR 989; HR 1090 HR 1133; HR 1176; HR 1188; HR 1195; HR 1233; HR 1266; HR 1408; HR 1422; HR 1480; HR 1491; HR 1529; HR 1550; HR 1659; HR 1660; HR 1661; HR 1737; HR 1941; HR 2099; HR 2205; HR 2213; HR 2473; HR 2477; HR 2642; HR 2769; HR 3192 S. 423; S. 482; S. 726; S. 774; S. 924; S. 970; S. 1383; S. 1440; S. 1484; S. 1491; S. 2006; S. 2028 data security and cybersecurity; patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Bills in the Senate: S. 86 The Small Business Paperwork Relief Act of 2015 S.96 A bill to amend the Consumer Financial Protection Act of 2010 to provide consumers with a free annual disclosure of information the Bureau of Consumer Financial Protection maintains on them, and for other purposes. S. 372 A bill to ensure access to certain information for financial services industry regulators, and for other purposes S. 383 A bill to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions S. 423 A bill to amend the Gramm-Leach-Bliley Act to provide an exception to the annual written privacy notice requirement. S. 445 A bill to increase students and borrowers access to student loan information within the National Student Loan Data System. S. 477 A bill to terminate Operation Choke Point. S. 482 A bill to increase from $10,000,000,000 to $50,000,000,000 the threshold figure at which regulated depository institutions are subject to direct examination and reporting requirements of the Bureau of Consumer Financial Protection, and for other purposes. S. 495 A bill to revoke the charters for the Federal National Mortgage Corporation and the Federal Home Loan Mortgage Corporation upon resolution of their obligations, to create a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes. S. 510 A bill to require Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and for other purposes S. 682 A bill to amend the Truth in Lending Act to modify the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage s. 726 A bill to establish the prudential regulator of community and independent depository institutions as the conduit and arbiter of all Federal financial oversight, examination, and reporting. S. 729 A bill to revise federal bankruptcy law with respect to the exemption from the exception to discharge in bankruptcy for certain educational loans. S. 774 A bill to amend the Federal Financial Institutions Examination Council Act of 1978 to improve the examination of depository institutions, and for other purposes. S. 812 A bill 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. 840 A bill to require certain protections for student loan borrowers, and for other purposes S. 383 A bill to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions. S. Con. Res. 11 and All Amendments Attacking our System of Public Protections S. Con. Res.11, and any other restrictions on the Department of Justices Operation Choke Point or bank regulator efforts to prevent money laundering. House: H.R. 37 To make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, to enhance the ability of small and emerging growth companies ot access capital through public and private markets, to reduce regulatory burdens, and for other purposes. H.R. 50, the Unfunded Mandates Information and Transparency Act of 2015 HR 185, the Regulatory Accountability Act of 2015 HR 299 Capital Access for Small Community Financial Institutions Act of 2015 H.R. 527, the Small Business Regulatory Flexibility Improvements Act H.R. 601, the Eliminate Privacy Notice Confusion Act H.R. 650, the Preserving Access to Manufactured Housing Act of 2015 H.R. 685, the Mortgage Choice Act of 2015 H.R. 712 Sunshine for Regulatory Decrees and Settlements Act of 2015 HR 1090, the Retail Investor Protection Act H.R. 1155 Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act of 2015 H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act H.R. 1265, the Bureau Advisory Commission Transparency Act H.R. 1266 the Financial Product Safety Commission Act of 2015 HR 1309 the Systemic Risk Designation Improvement Act of 2015. H.R. 1408, the Mortgage Servicing Asset Capital Requirements Act of 2015 H.R. 1480, the SAFE Act Confidentiality and Privilege Enhancement Act; H.R. 1529, the Community Institution Mortgage Relief Act of 2015 H.R. 1565, Protecting Consumers from Unreasonable Credit Rates Act of 2015 Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide tax relief to distressed homeowners who receive mortgage debt forgiveness A bill to provide increased consumer protections in auto lending. A bill to provide comprehensive regulatory reform to protect student-borrowers.

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR185; HR 299; HR 601; HR 685; HR 989; HR 1133; HR 1176; HR 1188; HR 1195; HR 1233; HR 1266; HR 1408; HR 1422; HR 1480; HR 1491; HR 1529; HR 1550; HR 1659; HR 1660; HR 1661; HR 1737; HR 1941; HR 2099; HR 2205; HR 2213; HR 2473; HR 2477; HR 2642; S. 423; S. 482; S. 726; S. 774; S. 924; S. 970; S. 1383; S. 1440; S. 1484; S. 1491; data security and cybersecurity; patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Bills in the Senate: S. 86 The Small Business Paperwork Relief Act of 2015 S.96 A bill to amend the Consumer Financial Protection Act of 2010 to provide consumers with a free annual disclosure of information the Bureau of Consumer Financial Protection maintains on them, and for other purposes. S. 372 A bill to ensure access to certain information for financial services industry regulators, and for other purposes S. 383 A bill to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions S. 423 A bill to amend the Gramm-Leach-Bliley Act to provide an exception to the annual written privacy notice requirement. S. 445 A bill to increase students and borrowers access to student loan information within the National Student Loan Data System. S. 477 A bill to terminate Operation Choke Point. S. 482 A bill to increase from $10,000,000,000 to $50,000,000,000 the threshold figure at which regulated depository institutions are subject to direct examination and reporting requirements of the Bureau of Consumer Financial Protection, and for other purposes. S. 495 A bill to revoke the charters for the Federal National Mortgage Corporation and the Federal Home Loan Mortgage Corporation upon resolution of their obligations, to create a new Mortgage Finance Agency for the securitization of single family and multifamily mortgages, and for other purposes. S. 510 A bill to require Senate confirmation of Inspector General of the Bureau of Consumer Financial Protection, and for other purposes S. 682 A bill to amend the Truth in Lending Act to modify the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage s. 726 A bill to establish the prudential regulator of community and independent depository institutions as the conduit and arbiter of all Federal financial oversight, examination, and reporting. S. 729 A bill to revise federal bankruptcy law with respect to the exemption from the exception to discharge in bankruptcy for certain educational loans. S. 774 A bill to amend the Federal Financial Institutions Examination Council Act of 1978 to improve the examination of depository institutions, and for other purposes. S. 812 A bill 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. 840 A bill to require certain protections for student loan borrowers, and for other purposes S. 383 A bill to amend the Truth in Lending Act to establish a national usury rate for consumer credit transactions. S. Con. Res. 11 and All Amendments Attacking our System of Public Protections S. Con. Res.11, and any other restrictions on the Department of Justices Operation Choke Point or bank regulator efforts to prevent money laundering. House: H.R. 37 To make technical corrections to the Dodd-Frank Wall Street Reform and Consumer Protection Act, to enhance the ability of small and emerging growth companies ot access capital through public and private markets, to reduce regulatory burdens, and for other purposes. H.R. 50, the Unfunded Mandates Information and Transparency Act of 2015 HR 185, the Regulatory Accountability Act of 2015 HR 299 Capital Access for Small Community Financial Institutions Act of 2015 H.R. 527, the Small Business Regulatory Flexibility Improvements Act H.R. 601, the Eliminate Privacy Notice Confusion Act H.R. 650, the Preserving Access to Manufactured Housing Act of 2015 H.R. 685, the Mortgage Choice Act of 2015 H.R. 712 Sunshine for Regulatory Decrees and Settlements Act of 2015 HR 1090, the Retail Investor Protection Act H.R. 1155 Searching for and Cutting Regulations that are Unnecessarily Burdensome (SCRUB) Act of 2015 H.R. 1195, the Bureau of Consumer Financial Protection Advisory Boards Act H.R. 1259, the Helping Expand Lending Practices in Rural Communities Act H.R. 1265, the Bureau Advisory Commission Transparency Act H.R. 1266 the Financial Product Safety Commission Act of 2015 HR 1309 the Systemic Risk Designation Improvement Act of 2015. H.R. 1408, the Mortgage Servicing Asset Capital Requirements Act of 2015 H.R. 1480, the SAFE Act Confidentiality and Privilege Enhancement Act; H.R. 1529, the Community Institution Mortgage Relief Act of 2015 H.R. 1565, Protecting Consumers from Unreasonable Credit Rates Act of 2015 Under Discussion: A bill to provide consumer protections for overdraft fees A bill to provide tax relief to distressed homeowners who receive mortgage debt forgiveness A bill to provide increased consumer protections in auto lending. A bill to provide comprehensive regulatory reform to protect student-borrowers.

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR185; HR 299; HR 601; HR 685; HR 989; HR 1133; HR 1176; HR 1188; HR 1195; HR 1233; HR 1266; HR 1408; HR 1422; HR 1480; HR 1491; HR 1529; S. 423; S. 482; S. 726; S. 774; S. 924; data security and cybersecurity; patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE