Protecting Consumers from Unreasonable Credit Rates Act of 2015

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" (also known as the "Fiduciary Responsibility" rule) regarding retirement savings. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685 Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law Support S. 1133 / H.R.2087 Support HR 2362 Oppose S 1484 Oppose HR 1737 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Urge FHA to improve its current proposal to change the certification requirements that lenders must make in order to secure Federal Housing Administration insurance on a mortgage loan and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Oppose HR 1266 Oppose H.R. 4018 Support principle reduction of mortgages Oppose H.R. 766. Support Operation Choke Point. Support a strong implementation of the Holder Rule, which says that when a seller of a good or service originates or helps arrange credit, the consumer is allowed to raise the sellers misconduct as a basis for bringing claims or defenses against the entity holding the debt. Oppose any financial riders on FY17 spending bills. Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts.Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Support making the AFFH Assessment tool more effective and closing gaps Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the Community Reinvestment Act Support the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual. Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA. Support proposed CFPB rule to limit forced arbitration by financial services Support letter by Congressman Meeks (NY) to federal bank regulators that seeks reforms to CRA regulations and examinations practices. Support the proposed affordability standard set by Federal Insurance Office for future auto insurance research Oppose HR 5893 Support the inclusion of a company satisfaction survey to the CFPBs complaint process. Oppose CFPB outline of proposed regulations of debt collection as they fail to sufficiently improve protect consumers victimized by predatory debt collection practices. Support proposed rule on short-term loans, including payday and car title loans, support strengthening rule to close loopholes, Oppose Congressional efforts to attach piecemeal GSE reform as amendments to must pass legislation. Oppose HR 5485 Oppose Guinta (NH)"auto lending" amendment to HR 5485 Support Sewell (AL)"payday lending" amendment to HR 5485 Support Moore (WI) "CFPB" amendment to HR 5485 Support Ellison "arbitration" amendment to HR 5485

Client expense: $68,750 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Bureau of Alcohol Tobacco Firearms & Explosives, Bureau of Prisons (BOP), Bureau of the Census, Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Council of Economic Advisers (CEA), Defense, Dept of (DOD), Education, Dept of, Election Assistance Commission (EAC), Environmental Protection Agency (EPA), Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Trade Commission (FTC), Food & Drug Administration (FDA), 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), Natl Credit Union Administration (NCUA), Natl Institute of Standards & Technology (NIST), Natl Telecommunications & Information Administration (NTIA), Office of Faith-Based & Community Initiatives, Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, State, Dept of (DOS), Transportation, Dept of (DOT), Treasury, Dept of, U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA), White House Office

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's "Fiduciary Responsibility" rule. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685. Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 Oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law. Support S. 1133 / H.R.2087 Support HR 2362 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Support the Federal Insurance Office‟s effort to assess the affordability and accessibility of auto insurance in low-wealth communities, communities of color and underserved communities and the proposed definition of affordability and Affected Persons. Oppose HR 1266 Oppose S. 2038 Oppose H.R. 4018 Support principle reduction of mortgages by Fannie Mae and Freddie Mac Oppose H.R. 766. Support Operation Choke Point. Support full funding in FY 2017 for the 2020 Census and for the ACS Oppose any financial riders on FY17 spending bills Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts. Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden. Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the ComSupport the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual.munity Reinvestment Act Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA. Support proposed CFPB rule to limit forced arbitration by financial services Support letter by Congressman Meeks (NY) to federal bank regulators that seeks reforms to CRA regulations and examinations practices. Support the proposed affordability standard set by Federal Insurance Office for future auto insurance research Oppose HR 5893 Support the inclusion of a company satisfaction survey to the CFPBs complaint process Oppose CFPB outline of proposed regulations of debt collection as they fail to sufficiently improve protect consumers victimized by predatory debt collection practices. Support proposed rule on short-term loans, including payday and car title loans, support strengthening rule to close loopholes. Oppose Congressional efforts to attach piecemeal GSE reform as amendments to must pass legislation. Oppose HR 5485 Oppose Guinta (NH)"auto lending" amendment to HR 5485 Support Sewell (AL)"payday lending" amendment to HR 5485 Support Moore (WI) "CFPB" amendment to HR 5485 Support Ellison "arbitration" amendment to HR 5485

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" (also known as the "Fiduciary Responsibility" rule) regarding retirement savings. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685 Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law Support S. 1133 / H.R.2087 Support HR 2362 Oppose S 1484 Oppose HR 1737 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Urge FHA to improve its current proposal to change the certification requirements that lenders must make in order to secure Federal Housing Administration insurance on a mortgage loan and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Oppose HR 1266 Oppose H.R. 4018 Support principle reduction of mortgages Oppose H.R. 766. Support Operation Choke Point. Support a strong implementation of the Holder Rule, which says that when a seller of a good or service originates or helps arrange credit, the consumer is allowed to raise the sellers misconduct as a basis for bringing claims or defenses against the entity holding the debt. Oppose any financial riders on FY17 spending bills. Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts.Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Support making the AFFH Assessment tool more effective and closing gaps Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the Community Reinvestment Act Support the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual. Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA. Support proposed CFPB rule to limit forced arbitration by financial services Support letter by Congressman Meeks (NY) to federal bank regulators that seeks reforms to CRA regulations and examinations practices. Support the proposed affordability standard set by Federal Insurance Office for future auto insurance research Oppose HR 5893 Support the inclusion of a company satisfaction survey to the CFPBs complaint process. Oppose CFPB outline of proposed regulations of debt collection as they fail to sufficiently improve protect consumers victimized by predatory debt collection practices. Support proposed rule on short-term loans, including payday and car title loans, support strengthening rule to close loopholes, Oppose Congressional efforts to attach piecemeal GSE reform as amendments to must pass legislation.

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's "Fiduciary Responsibility" rule. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685. Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 Oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law. Support S. 1133 / H.R.2087 Support HR 2362 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Support the Federal Insurance Office‟s effort to assess the affordability and accessibility of auto insurance in low-wealth communities, communities of color and underserved communities and the proposed definition of affordability and Affected Persons. Oppose HR 1266 Oppose S. 2038 Oppose H.R. 4018 Support principle reduction of mortgages by Fannie Mae and Freddie Mac Oppose H.R. 766. Support Operation Choke Point. Support full funding in FY 2017 for the 2020 Census and for the ACS Oppose any financial riders on FY17 spending bills Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts. Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden. Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the ComSupport the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual.munity Reinvestment Act Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA. Support proposed CFPB rule to limit forced arbitration by financial services Support letter by Congressman Meeks (NY) to federal bank regulators that seeks reforms to CRA regulations and examinations practices. Support the proposed affordability standard set by Federal Insurance Office for future auto insurance research Oppose HR 5893 Support the inclusion of a company satisfaction survey to the CFPBs complaint process Oppose CFPB outline of proposed regulations of debt collection as they fail to sufficiently improve protect consumers victimized by predatory debt collection practices. Support proposed rule on short-term loans, including payday and car title loans, support strengthening rule to close loopholes. Oppose Congressional efforts to attach piecemeal GSE reform as amendments to must pass legislation.

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's "Fiduciary Responsibility" rule. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685. Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 Oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law. Support S. 1133 / H.R.2087 Support HR 2362 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Support the Federal Insurance Office‟s effort to assess the affordability and accessibility of auto insurance in low-wealth communities, communities of color and underserved communities and the proposed definition of affordability and Affected Persons. Oppose HR 1266 Oppose S. 2038 Oppose H.R. 4018 Support principle reduction of mortgages by Fannie Mae and Freddie Mac Oppose H.R. 766. Support Operation Choke Point. Support full funding in FY 2017 for the 2020 Census and for the ACS Oppose any financial riders on FY17 spending bills Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts. Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden. Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the ComSupport the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual.munity Reinvestment Act Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA.

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" (also known as the "Fiduciary Responsibility" rule) regarding retirement savings. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685 Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law Support S. 1133 / H.R.2087 Support HR 2362 Oppose S 1484 Oppose HR 1737 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Urge FHA to improve its current proposal to change the certification requirements that lenders must make in order to secure Federal Housing Administration insurance on a mortgage loan and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Oppose HR 1266 Oppose H.R. 4018 Support principle reduction of mortgages Oppose H.R. 766. Support Operation Choke Point. Support a strong implementation of the Holder Rule, which says that when a seller of a good or service originates or helps arrange credit, the consumer is allowed to raise the sellers misconduct as a basis for bringing claims or defenses against the entity holding the debt. Oppose any financial riders on FY17 spending bills. Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts.Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden Support Director Cordray speaking to advocates from across the country about financial reform issues Oppose all budget riders to weaken the powers, structure, or funding of the CFPB --particularly opposing proposals that would limit, delay or remove their authority to take action on forced arbitration. Support reassessment of Treasurys plan to eliminate the GSEs capital buffers by the end of 2017. Oppose S. 2663 Support making the AFFH Assessment tool more effective and closing gaps Oppose HR 5112 Support suspension of GSE dividend payments to Treasury, and require the GSEs to develop and implement capital restoration plans, so they have enough capital to safely manage their business and to support Americas housing finance system. Support the Comprehensive Consumer Credit Reporting Reform Act of 2016 Support HUD AFFH tools as designed to local PHAs and state and local governments with some strengthening suggestions. Support Rep. Meeks Congressional sign-on letter to the regulators urging better enforcement of the Community Reinvestment Act Support the Consumer Financial Protection Bureau (CFPB) for releasing a strong proposed payday and car title lending rule and urge the Bureau to close some concerning loopholes that would allow some lenders to continue making harmful loans business as usual. Support the elimination / reduction of loan level price adjustments Support capturing the borrowers preferred language on mortgage application forms. Support HR 4893 Support principal reduction by HUD and FHFA.

Implementation of Dodd/Frank Act; regulatory reform; internet privacy and cyber security issues - Generally; HR 347/S 838, "Consumer Credit Access, Innovation and Modernization Act;"

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" (also known as the "Fiduciary Responsibility" rule) regarding retirement savings. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685 Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law Support S. 1133 / H.R.2087 Support HR 2362 Oppose S 1484 Oppose HR 1737 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Urge FHA to improve its current proposal to change the certification requirements that lenders must make in order to secure Federal Housing Administration insurance on a mortgage loan and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Oppose HR 1266 Oppose H.R. 4018 Support principle reduction of mortgages Oppose H.R. 766. Support Operation Choke Point. Support a strong implementation of the Holder Rule, which says that when a seller of a good or service originates or helps arrange credit, the consumer is allowed to raise the sellers misconduct as a basis for bringing claims or defenses against the entity holding the debt. Oppose any financial riders on FY17 spending bills. Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts.Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden

Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's "Fiduciary Responsibility" rule. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Oppose H.R. 685. Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support S. 838 / H.R. 1565 Oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law. Support S. 1133 / H.R.2087 Support HR 2362 Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Support the Federal Insurance Office‟s effort to assess the affordability and accessibility of auto insurance in low-wealth communities, communities of color and underserved communities and the proposed definition of affordability and Affected Persons. Oppose HR 1266 Oppose S. 2038 Oppose H.R. 4018 Support principle reduction of mortgages by Fannie Mae and Freddie Mac Oppose H.R. 766. Support Operation Choke Point. Support full funding in FY 2017 for the 2020 Census and for the ACS Oppose any financial riders on FY17 spending bills Support a robust proposed survey of financing for auto buyers. Support CFPB moving forward on a rulemaking to address the widespread harm resulting from forced arbitration. Support Senators signing onto a letter to the CFPB in support of their auto lending efforts. Support extending the upcoming rule curbing short-term pay day and car title loans to long term payday and car title loans. Oppose granting certiorari in the case of Midland Funding LLC v. Madden

Implementation of Dodd/Frank Act; regulatory reform; internet privacy and cyber security issues - Generally; HR 347/S 838, "Consumer Credit Access, Innovation and Modernization Act;"

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Implementation of Dodd/Frank Act; regulatory reform; internet privacy and cyber security issues - Generally; HR 347/S 838, "Consumer Credit Access, Innovation and Modernization Act;"

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Support HUD reducing FHA mortgage premiums. Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" regarding retirement savings. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings Regarding the CFPBs proposed amendments to its mortgage servicing regulations: The final rule should create a deterrent to unreasonable conduct by servicers in confirming successor status by creating a privately enforceable right triggered by the homeowners submission of documentation, not the servicers additional step of confirming the persons status; the final rule should clearly state that a borrower who has obtained a permanent loan modification is eligible to apply again for loss mitigation, as the delinquency has been cured; dual tracking protections should kick in when a homeowner has submitted an initial loss mitigation application package, not when a servicer deems the package complete;The final rule should include specific requirements that the transferor servicer has an obligation to provide all documents and information that have been provided by a borrower on a loss mitigation application to the transferee servicer, including any records of the transferors discussions with borrowers about loss mitigation and any copies of loss mitigation relevant documents. The rule also should require the transferor servicer to provide a detailed list of loans with pending loss mitigation applications and should require the transferee to review the material (not just obtain it); and the CFPB should expand the force-placed insurance provisions in the mortgage servicing rule to ensure that homeowners without escrow accounts are protected from force-placed insurance abuses. Support Crapo-Warner Amendment to the Budget Resolution to ensure that Congress cannot raise Fannie Mae and Freddie Mac guarantee fees to offset the costs associated with unrelated initiatives. Support the Consumer Financial Protection Bureaus proposed rule on prepaid cards. Oppose H.R. 685. Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support the Consumer Financial Protection Bureaus Safe Student Account Scorecard initiative. Support S. 838 / H.R. 1565 Oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law. Oppose HR 1195 as it was presented to the full House of Representatives (oppose capping and cutting its funding). Support the CFPBs initial steps towards releasing a proposed rule on short-term lending and urge the CFPB to issue the strongest possible rules to end the damaging effects of predatory lending. Support S. 1133 / H.R.2087 Support HR 2362 Oppose S 1484 Oppose portions of Financial Services and Government Funding Bill for fiscal year 2016 which limit funding for the CFPB and underfund the SEC. Support requiring Sallie Mae to be more compliant with CRA requirements Support the Department of Education's Proposed Amendments to the Cash Management Rule, 34 C.F.R. Part 668Docket ID ED-2015-OPE-0020 Support the Student Non-Discrimination Act as an amendment to S. 1177 Support requiring the FHA to improve its current proposal and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Support Dodd-Frank Support CFPB Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Oppose HUDs recent decision to remove homeowner-protective language from FHAs form single family note and mortgage Oppose Affirmatively Furthering Fair Housing Assessment Tool, Docket No. FR-5173-N-05 Support ban on all overdraft features and to apply credit card rules to any credit line designed to be accessible through a prepaid card. support the Federal Insurance Office‟s effort to assess the affordability and accessibility of auto insurance in low-wealth communities, communities of color and underserved communities and the proposed definition of affordability and Affected Persons. Oppose HR 1266 Support Duties to Serve in the secondary mortgage market, as well as the primary market. Oppose any riders in appropriations bills which would limit or forestall CFPB action on arbitration. Support FHA continuing to have and deploy its full legal authority over all approved lenders to enforce its standards and responsibilities under the FHA insurance programs. Allow the GSEs to build capital reserves so there will not be a draw against the Treasury line of credit and that he oppose the proposed riders on financial services appropriations bills relating to housing finance. Oppose S. 2038 and reject any effort to include it as a policy rider in the omnibus FY 2016 appropriations agreement. Oppose any policy riders to an omnibus appropriations bill which would in any way weaken or change the structure of the CFPB Oppose H.R. 4018 Support stronger attention to Fannie Mae and Freddie Macs performance on their Single-Family Housing Goals Support principle reduction of mortgages

Support HUD reducing FHA mortgage premiums. Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" regarding retirement savings. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Support Whitehouse Amendment to S. 178. Oppose Toomey Amendment to S. 178. Regarding the CFPBs proposed amendments to its mortgage servicing regulations: The final rule should create a deterrent to unreasonable conduct by servicers in confirming successor status by creating a privately enforceable right triggered by the homeowners submission of documentation, not the servicers additional step of confirming the persons status; the final rule should clearly state that a borrower who has obtained a permanent loan modification is eligible to apply again for loss mitigation, as the delinquency has been cured; dual tracking protections should kick in when a homeowner has submitted an initial loss mitigation application package, not when a servicer deems the package complete;The final rule should include specific requirements that the transferor servicer has an obligation to provide all documents and information that have been provided by a borrower on a loss mitigation application to the transferee servicer, including any records of the transferors discussions with borrowers about loss mitigation and any copies of loss mitigation relevant documents. The rule also should require the transferor servicer to provide a detailed list of loans with pending loss mitigation applications and should require the transferee to review the material (not just obtain it); and the CFPB should expand the force-placed insurance provisions in the mortgage servicing rule to ensure that homeowners without escrow accounts are protected from force-placed insurance abuses. Support Crapo-Warner Amendment to the Budget Resolution to ensure that Congress cannot raise Fannie Mae and Freddie Mac guarantee fees to offset the costs associated with unrelated initiatives. Support the Consumer Financial Protection Bureaus proposed rule on prepaid cards. Oppose H.R. 685 Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support the Consumer Financial Protection Bureaus Safe Student Account Scorecard initiative Support S. 838 / H.R. 1565 oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law Oppose HR 1195 as it was presented to the full House of Representatives (oppose capping and cutting its funding) Support S. 1133 / H.R.2087 Support HR 2362 Oppose S 1484 Oppose HR 1737 Oppose portions of Financial Services and Government Funding Bill for 2016 which limit funding for the CFPB and underfund the SEC Support requiring Sallie Mae to be more compliant with CRA requirements Support requiring the FHA to improve its current proposal and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Urge FHA to improve its current proposal to change the certification requirements that lenders must make in order to secure Federal Housing Administration insurance on a mortgage loan and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Oppose HUDs recent decision to remove homeowner-protective language from FHAs form single family note and mortgage oppose Affirmatively Furthering Fair Housing Assessment Tool, Docket No. FR-5173-N-05 Support ban on all overdraft features and to apply credit card rules to any credit line designed to be accessible through a prepaid card. support the Federal Insurance Offices effort to assess the affordability and accessibility of auto insurance in low-wealth communities, communities of color and underserved communities and the proposed definition of affordability and Affected Persons. Oppose HR 1266 Support Duties to Serve in the secondary mortgage market, as well as the primary market. Oppose any riders in appropriations bills which would limit or forestall CFPB action on arbitration Support FHA continuing to have and deploy its full legal authority over all approved lenders to enforce its standards and responsibilities under the FHA insurance programs. Oppose riders weakening the CFPB in the Highway Transportation Bill. Allow the GSEs to build capital reserves so there will not be a draw against the Treasury line of credit and that he oppose the proposed riders on financial services appropriations bills relating to housing finance. Oppose S. 2038 and reject any effort to include it as a policy rider in the omnibus FY 2016 appropriations agreement. Oppose any policy riders to an omnibus appropriations bill which would in any way weaken or change the structure of the CFPB Oppose H.R. 4018 Support stronger attention to Fannie Mae and Freddie Macs performance on their Single-Family Housing Goals Support principle reduction of mortgages

Support HUD reducing FHA mortgage premiums. Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" regarding retirement savings. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings Regarding the CFPBs proposed amendments to its mortgage servicing regulations: The final rule should create a deterrent to unreasonable conduct by servicers in confirming successor status by creating a privately enforceable right triggered by the homeowners submission of documentation, not the servicers additional step of confirming the persons status; the final rule should clearly state that a borrower who has obtained a permanent loan modification is eligible to apply again for loss mitigation, as the delinquency has been cured; dual tracking protections should kick in when a homeowner has submitted an initial loss mitigation application package, not when a servicer deems the package complete;The final rule should include specific requirements that the transferor servicer has an obligation to provide all documents and information that have been provided by a borrower on a loss mitigation application to the transferee servicer, including any records of the transferors discussions with borrowers about loss mitigation and any copies of loss mitigation relevant documents. The rule also should require the transferor servicer to provide a detailed list of loans with pending loss mitigation applications and should require the transferee to review the material (not just obtain it); and the CFPB should expand the force-placed insurance provisions in the mortgage servicing rule to ensure that homeowners without escrow accounts are protected from force-placed insurance abuses. Support Crapo-Warner Amendment to the Budget Resolution to ensure that Congress cannot raise Fannie Mae and Freddie Mac guarantee fees to offset the costs associated with unrelated initiatives. Support the Consumer Financial Protection Bureaus proposed rule on prepaid cards. Oppose H.R. 685. Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support the Consumer Financial Protection Bureaus Safe Student Account Scorecard initiative. Support S. 838 / H.R. 1565 Oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law. Oppose HR 1195 as it was presented to the full House of Representatives (oppose capping and cutting its funding). Support the CFPBs initial steps towards releasing a proposed rule on short-term lending and urge the CFPB to issue the strongest possible rules to end the damaging effects of predatory lending. Support S. 1133 / H.R.2087 Support HR 2362 Oppose S 1484 Oppose portions of Financial Services and Government Funding Bill for fiscal year 2016 which limit funding for the CFPB and underfund the SEC. Support requiring Sallie Mae to be more compliant with CRA requirements Support the Department of Education's Proposed Amendments to the Cash Management Rule, 34 C.F.R. Part 668Docket ID ED-2015-OPE-0020 Support the Student Non-Discrimination Act as an amendment to S. 1177 Support requiring the FHA to improve its current proposal and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Support Dodd-Frank Support CFPB Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Oppose HUDs recent decision to remove homeowner-protective language from FHAs form single family note and mortgage Oppose Affirmatively Furthering Fair Housing Assessment Tool, Docket No. FR-5173-N-05 Support ban on all overdraft features and to apply credit card rules to any credit line designed to be accessible through a prepaid card. support the Federal Insurance Office‟s effort to assess the affordability and accessibility of auto insurance in low-wealth communities, communities of color and underserved communities and the proposed definition of affordability and Affected Persons. Oppose HR 1266

Support HUD reducing FHA mortgage premiums. Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" regarding retirement savings. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Support Whitehouse Amendment to S. 178. Oppose Toomey Amendment to S. 178. Regarding the CFPBs proposed amendments to its mortgage servicing regulations: The final rule should create a deterrent to unreasonable conduct by servicers in confirming successor status by creating a privately enforceable right triggered by the homeowners submission of documentation, not the servicers additional step of confirming the persons status; the final rule should clearly state that a borrower who has obtained a permanent loan modification is eligible to apply again for loss mitigation, as the delinquency has been cured; dual tracking protections should kick in when a homeowner has submitted an initial loss mitigation application package, not when a servicer deems the package complete;The final rule should include specific requirements that the transferor servicer has an obligation to provide all documents and information that have been provided by a borrower on a loss mitigation application to the transferee servicer, including any records of the transferors discussions with borrowers about loss mitigation and any copies of loss mitigation relevant documents. The rule also should require the transferor servicer to provide a detailed list of loans with pending loss mitigation applications and should require the transferee to review the material (not just obtain it); and the CFPB should expand the force-placed insurance provisions in the mortgage servicing rule to ensure that homeowners without escrow accounts are protected from force-placed insurance abuses. Support Crapo-Warner Amendment to the Budget Resolution to ensure that Congress cannot raise Fannie Mae and Freddie Mac guarantee fees to offset the costs associated with unrelated initiatives. Support the Consumer Financial Protection Bureaus proposed rule on prepaid cards. Oppose H.R. 685 Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support the Consumer Financial Protection Bureaus Safe Student Account Scorecard initiative Support S. 838 / H.R. 1565 oppose H.R. 50 Oppose HR 37 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law Oppose HR 1195 as it was presented to the full House of Representatives (oppose capping and cutting its funding) Support S. 1133 / H.R.2087 Support HR 2362 Oppose S 1484 Oppose HR 1737 Oppose portions of Financial Services and Government Funding Bill for 2016 which limit funding for the CFPB and underfund the SEC Support requiring Sallie Mae to be more compliant with CRA requirements Support requiring the FHA to improve its current proposal and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection) Urge FHA to improve its current proposal to change the certification requirements that lenders must make in order to secure Federal Housing Administration insurance on a mortgage loan and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Oppose HR 1210 Oppose HR 3192 Oppose HR 1737 Oppose HR 776 Oppose HR 1317 Oppose HR 1941 Oppose HR 3189 Support HR 3524 / S 1981 Oppose HUDs recent decision to remove homeowner-protective language from FHAs form single family note and mortgage oppose Affirmatively Furthering Fair Housing Assessment Tool, Docket No. FR-5173-N-05 Support ban on all overdraft features and to apply credit card rules to any credit line designed to be accessible through a prepaid card. support the Federal Insurance Offices effort to assess the affordability and accessibility of auto insurance in low-wealth communities, communities of color and underserved communities and the proposed definition of affordability and Affected Persons. Oppose HR 1266

Implementation of Dodd/Frank Act; regulatory reform; internet privacy and cyber security issues - Generally; HR 347/S 838, "Consumer Credit Access, Innovation and Modernization Act;"

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Support HUD reducing FHA mortgage premiums. Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" regarding retirement savings. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings. Support Whitehouse Amendment to S. 178. Oppose Toomey Amendment to S. 178. Regarding the CFPBs proposed amendments to its mortgage servicing regulations: The final rule should create a deterrent to unreasonable conduct by servicers in confirming successor status by creating a privately enforceable right triggered by the homeowners submission of documentation, not the servicers additional step of confirming the persons status; the final rule should clearly state that a borrower who has obtained a permanent loan modification is eligible to apply again for loss mitigation, as the delinquency has been cured; dual tracking protections should kick in when a homeowner has submitted an initial loss mitigation application package, not when a servicer deems the package complete;The final rule should include specific requirements that the transferor servicer has an obligation to provide all documents and information that have been provided by a borrower on a loss mitigation application to the transferee servicer, including any records of the transferors discussions with borrowers about loss mitigation and any copies of loss mitigation relevant documents. The rule also should require the transferor servicer to provide a detailed list of loans with pending loss mitigation applications and should require the transferee to review the material (not just obtain it); and the CFPB should expand the force-placed insurance provisions in the mortgage servicing rule to ensure that homeowners without escrow accounts are protected from force-placed insurance abuses. Support Crapo-Warner Amendment to the Budget Resolution to ensure that Congress cannot raise Fannie Mae and Freddie Mac guarantee fees to offset the costs associated with unrelated initiatives. Support the Consumer Financial Protection Bureaus proposed rule on prepaid cards. Oppose H.R. 685 Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support the Consumer Financial Protection Bureaus Safe Student Account Scorecard initiative Support S. 838 / H.R. 1565 oppose H.R. 50 Oppose HR 37 Support Merkely (OR) amendment #842 to S Con Res 11 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law Oppose HR 1195 as it was presented to the full House of Representatives (oppose capping and cutting its funding) Support S. 1133 / H.R.2087 Oppose NDAA Amendment #268 (Stivers) Support HR 2362 Oppose S 1484 Oppose HR 1737 Oppose portions of Financial Services and Government Funding Bill for 2016 which limit funding for the CFPB and underfund the SEC Support requiring Sallie Mae to be more compliant with CRA requirements Support requiring the FHA to improve its current proposal and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection)

Support HUD reducing FHA mortgage premiums. Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" regarding retirement savings. Support the CFPB's study on forced arbitration clauses; oppose efforts to disable the CFPB to act on its findings Regarding the CFPBs proposed amendments to its mortgage servicing regulations: The final rule should create a deterrent to unreasonable conduct by servicers in confirming successor status by creating a privately enforceable right triggered by the homeowners submission of documentation, not the servicers additional step of confirming the persons status; the final rule should clearly state that a borrower who has obtained a permanent loan modification is eligible to apply again for loss mitigation, as the delinquency has been cured; dual tracking protections should kick in when a homeowner has submitted an initial loss mitigation application package, not when a servicer deems the package complete;The final rule should include specific requirements that the transferor servicer has an obligation to provide all documents and information that have been provided by a borrower on a loss mitigation application to the transferee servicer, including any records of the transferors discussions with borrowers about loss mitigation and any copies of loss mitigation relevant documents. The rule also should require the transferor servicer to provide a detailed list of loans with pending loss mitigation applications and should require the transferee to review the material (not just obtain it); and the CFPB should expand the force-placed insurance provisions in the mortgage servicing rule to ensure that homeowners without escrow accounts are protected from force-placed insurance abuses. Support Crapo-Warner Amendment to the Budget Resolution to ensure that Congress cannot raise Fannie Mae and Freddie Mac guarantee fees to offset the costs associated with unrelated initiatives. Support the Consumer Financial Protection Bureaus proposed rule on prepaid cards. Oppose H.R. 685. Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support the Consumer Financial Protection Bureaus Safe Student Account Scorecard initiative. Support S. 838 / H.R. 1565 Oppose H.R. 50 Oppose HR 37 Support Merkely (OR) amendment #842 to S Con Res 11 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law. Oppose HR 1195 as it was presented to the full House of Representatives (oppose capping and cutting its funding). Support the CFPBs initial steps towards releasing a proposed rule on short-term lending and urge the CFPB to issue the strongest possible rules to end the damaging effects of predatory lending. Support S. 1133 / H.R.2087 Oppose NDAA Amendment #268 (Stivers) Support HR 2362 Oppose S 1484 Oppose HR 1737 Oppose portions of Financial Services and Government Funding Bill for fiscal year 2016 which limit funding for the CFPB and underfund the SEC. Support requiring Sallie Mae to be more compliant with CRA requirements Support the Department of Education's Proposed Amendments to the Cash Management Rule, 34 C.F.R. Part 668Docket ID ED-2015-OPE-0020 Support the Student Non-Discrimination Act as an amendment to S. 1177 Support requiring the FHA to improve its current proposal and adopt an enhanced certification requirement that requires lenders to certify that they meet all three of the following: Exercise of due diligence and good faith in underwriting the mortgage and submitting the application for insurance, which is proposed; Establish, operate and monitor a Quality Control program that complies with all FHA requirements; and For any defects that occur notwithstanding compliance with the first two lender duties, timely remediate or indemnify FHA for any defects that affect the insurability of the loan. Support a strong short term lending reform package by the CFPB that does not undermine state or local laws which may be stronger (offer more protection)

Implementation of Dodd/Frank Act; regulatory reform; internet privacy and cyber security issues - Generally; HR 347/S 838, "Consumer Credit Access, Innovation and Modernization Act;"

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Support HUD reducing FHA mortgage premiums. Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" regarding retirement savings. Support the CFPB's study on forced arbitration clauses. Support Whitehouse Amendment to S. 178. Oppose Toomey Amendment to S. 178. Regarding the CFPBs proposed amendments to its mortgage servicing regulations: The final rule should create a deterrent to unreasonable conduct by servicers in confirming successor status by creating a privately enforceable right triggered by the homeowners submission of documentation, not the servicers additional step of confirming the persons status; the final rule should clearly state that a borrower who has obtained a permanent loan modification is eligible to apply again for loss mitigation, as the delinquency has been cured; dual tracking protections should kick in when a homeowner has submitted an initial loss mitigation application package, not when a servicer deems the package complete;The final rule should include specific requirements that the transferor servicer has an obligation to provide all documents and information that have been provided by a borrower on a loss mitigation application to the transferee servicer, including any records of the transferors discussions with borrowers about loss mitigation and any copies of loss mitigation relevant documents. The rule also should require the transferor servicer to provide a detailed list of loans with pending loss mitigation applications and should require the transferee to review the material (not just obtain it); and the CFPB should expand the force-placed insurance provisions in the mortgage servicing rule to ensure that homeowners without escrow accounts are protected from force-placed insurance abuses. Support Crapo-Warner Amendment to the Budget Resolution to ensure that Congress cannot raise Fannie Mae and Freddie Mac guarantee fees to offset the costs associated with unrelated initiatives. Support the Consumer Financial Protection Bureaus proposed rule on prepaid cards. Oppose H.R. 685 Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support the Consumer Financial Protection Bureaus Safe Student Account Scorecard initiative Support S. 838 / H.R. 1565 oppose H.R. 50 Oppose HR 37 Support Merkely (OR) amendment #842 to S Con Res 11 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law

Support HUD reducing FHA mortgage premiums. Oppose any efforts to dismantle, weaken, or change the structure or the funding stream of the Consumer Financial Protection Bureau (CFPB). Support a rule from the CFPB regarding payday lending which require the lender to determine the borrowers ability to repay the loan, including consideration of income and expenses; does not sanction any series of repeat loans or provide a safe harbor for poorly underwritten loans; establishes an outer limit on length of indebtedness that is at least as short as the FDICs 2005 guidelines - 90 days in a twelve-month period; and restricts lenders from requiring a post-dated check or electronic access to a borrowers checking account as a condition of extending credit. Support the Department of Labor's proposed "Conflicted Advice Rule" regarding retirement savings. Support the CFPB's study on forced arbitration clauses. Regarding the CFPBs proposed amendments to its mortgage servicing regulations: The final rule should create a deterrent to unreasonable conduct by servicers in confirming successor status by creating a privately enforceable right triggered by the homeowners submission of documentation, not the servicers additional step of confirming the persons status; the final rule should clearly state that a borrower who has obtained a permanent loan modification is eligible to apply again for loss mitigation, as the delinquency has been cured; dual tracking protections should kick in when a homeowner has submitted an initial loss mitigation application package, not when a servicer deems the package complete;The final rule should include specific requirements that the transferor servicer has an obligation to provide all documents and information that have been provided by a borrower on a loss mitigation application to the transferee servicer, including any records of the transferors discussions with borrowers about loss mitigation and any copies of loss mitigation relevant documents. The rule also should require the transferor servicer to provide a detailed list of loans with pending loss mitigation applications and should require the transferee to review the material (not just obtain it); and the CFPB should expand the force-placed insurance provisions in the mortgage servicing rule to ensure that homeowners without escrow accounts are protected from force-placed insurance abuses. Support Crapo-Warner Amendment to the Budget Resolution to ensure that Congress cannot raise Fannie Mae and Freddie Mac guarantee fees to offset the costs associated with unrelated initiatives. Support the Consumer Financial Protection Bureaus proposed rule on prepaid cards. Oppose H.R. 685. Oppose H.R. 1529 Oppose H.R. 650 Oppose H.R. 1408 Oppose H.R. 1265 Oppose H.R. 1259 Oppose H.R. 1195 Oppose H.R. 601 Support the Consumer Financial Protection Bureaus Safe Student Account Scorecard initiative. Support S. 838 / H.R. 1565 Oppose H.R. 50 Oppose HR 37 Support Merkely (OR) amendment #842 to S Con Res 11 Support continued implementation of Dodd-Frank Wall Street Reform Act of 2010; oppose efforts to eliminate or weaken provisions of the law

Implementation of Dodd/Frank Act; regulatory reform; internet privacy and cyber security issues - Generally; HR 347/S 838, "Consumer Credit Access, Innovation and Modernization Act;"

Client expense: Not reported · Firm income: $50,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE