Senior$afe Act of 2017

Preserving the credit union tax exemption; Repeal of the Durbin Amendment on debit interchange; Regulatory relief for credit unions; Credit union exemptions from the CFPB; Reforms to the structure of the CFPB and its powers; data and cyber security - creation of a national data security standard; Housing Finance Reform - ensuring that credit unions have unfettered access to the secondary mortgage market based on loan quality rather than quantity; Member Business Lending - raise the arbitrary cap, raise the de minimis exclusion; exempt loans to veterans from the definition of MBL, and exclude non-owner occupied, 1-4-family dwellings from the calculation of the cap on credit union member business loans (H.R. 389/S. 836); Capital Access for Small Businesses and Jobs Act (H.R. 1244); TRID Improvement Act (H.R. 5078/S. 2490); Bank Secrecy Act; FCC Oversight; Patent Reform - provide relief from practices of patent trolls; NFIP - National flood insurance program; The REINS Act (H.R. 26/S. 21); Regulatory Flexibility Act; Improve or require agency regulatory guidance; Financial CHOICE Act (H.R. 10); Community Financial Institution Exemption Act (H.R. 1264); Financial Services for the Underserved Act (H.R. 4665); Senior$afe Act (H.R. 3758/S. 223); Community Mortgage Lender Regulatory Act of 2017 (H.R. 1964); Securing Access to Affordable Mortgage Act of 2017 (H.R. 3221); Greater pre-emption authority for the NCUA; Mortgage Choice Act (H.R. 1153); Preserving Access to Manufactured Housing Act (H.R.1699/S. 1751); Consumer Financial Protection Board Act 2017 (S. 105); Financial Product Safety Commission Act of 2018 (H.R. 5266); TAILOR Act (H.R. 1116/S.366); CFPB Accountability Act of 2017 or the TABS Act of 2017 (H.R. 2553/S.387); Subject CFPB to Congressional appropriations process; Financial Institutions Examination Fairness and Reform Act (H.R. 4545/S. 2237); Expanding SBA business loan programs; Financial Institution Customer Protection Act (H.R. 2706); Financial services and general government appropriations bill; Home Mortgage Disclosure Adjustment Act (H.R. 2954/S. 1310); Home Mortgage Reporting Relief Act of 2017 (H.R. 4648); QM safe harbor for portfolio loans; Portfolio Lending and Mortgage Access Act (H.R. 2226/S. 2013); the Community Lending Enhancement and Regulatory Relief Act (H.R. 2133/S.1002); Common Sense Credit Union Capital Relief Act of 2017 (H.R. 4464); Risk-Based Capital; Common Sense Credit Union Capital Relief Act of 2018 (H.R. 5288/S.3750); Credit Score Competition Act (H.R. 898/S. 1685); Community Institution Mortgage Relief Act of 2017 (H.R. 3971); Small Business 7(a) Lending Oversight Reform Act (H.R. 4743/S.2283); Business of Insurance Regulatory Reform Act of 2017 (H.R. 3746); Subject non-depository GLBA institutions to regular examinations; require credit reporting agencies to notify depository institutions when one of their accounts is breached; Protecting Americans from Credit Entanglements Act (H.R. 1958/S.838); Making Online Banking Initiation Legal and Easy Act of 2017 (H.R. 1457); Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155); Securing Access to Affordable Mortgages Act (H.R. 3221); Protecting Consumers' Access to Credit Act of 2017 (H.R. 3299); H.R. 4296 - related to operational risk capital requirements; Lawsuit abuse related to website access requirements under the Americans with Disabilities Act; the ADA Education and Reform Act of 2017 (H.R. 620); CFPB Examination and Reporting Threshold Act (H.R. 3072). NCUA - Voluntary mergers; reforms to credit union capital requirements; supplemental capital for credit unions; FOM improvements; FCU interest rate cap; asset securitization authority for credit unions; Call report modernization; NCUSIF issues including NOL ratio and equity distribution; short-term small dollar lending; de novo charter process, approvals, and flexibility; consistent examination expectations; Issuance of clear UDAAP expectations; Exam appeals process; Codify IRPS; Bylaws ANPR; Capital Planning and Supervisory Stress Testing; Accuracy of Advertising; support for NCUA Regulatory Reform Agenda; Extend examination cycle for low-risk, well-run credit unions greater than $1 billion in assets; CFPB - Use of Section 1022 exemption authority; rulemakings related to debt collection, overdraft, qualified mortgage, ATR, mortgage servicing, consumer complaint database (and consumer inquiry handling process), Home Mortgage Disclosure Act (HMDA) requirements and reporting thresholds, implementation and examination, prepaid accounts; Section 1071 small business data collection; remittances rule and review; Truth in Lending Act/Real Estate Settlement Procedures Act (TILA/RESPA); free access to credit scores for consumers; Amendments to TILA/RESPA Integrated Disclosure Rule (TRID); Dept. of Treasury - Executive Order implementation, streamlining CDFI certifications, CDFI and CDRLF funding; cybersecurity interagency coordination; Regulation of FinTech companies; Do not subject credit unions to the Community Reinvestment Act (CRA); FCC - TCPA reform and requirements, interpretations, and litigation, fighting robocalls; FHFA - chattel loans/duty to serve; GSEs use of alternative credit scores; Credit Risk Transfer transactions; implementation of the Common Securitization Platform (CSP) and Single Security; FHLB Capital Requirements; FHLB role in mortgage market; SBA - Expanding CU participation in SBA lending; Dept. of Defense - Military Lending Act (MLA) Final Rule changes, guidance and implementation; IRS - guidance related to the tax reform bill, including executive compensation excise tax; Dept. of Labor - Revocation of Fiduciary Duty rule and Overtime rule; Dept. of Justice - ADA standards and guidance related to website accessibility; FTC - frivolous demand letters in violation of the Federal Trade Commission Act; FinCEN - Burden related to Suspicious Activities Reports (SARs) required under the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules, raising the required SAR reporting threshold; combating financial crimes; Federal Reserve - Regulation CC; acceptance of electronically signed loans as pledged collateral; role in payments system; Electronic Signatures; NIST - framework for Improving Critical Infrastructure Cybersecurity; Dept. of VA - Allowable Charges and Fees Assessed Incident to VA-Guaranteed Home Loans; FFIEC - evolution of the Cybersecurity Assessment Tool (CAT); FASB - CECL Accounting Standard implementation; Involuntary Liquidation of FCUs and Claims Procedures; Modernizing data collection for supervision of credit unions; FHFA's Affordable Housing Program; IRS oversight of credit unions; FinCEN's Customer Due Diligence Rule; CFPB Civil Investigative Demands and Associated processes; CFPB's Rules of Practice for Adjudication Proceedings; Collection of Checks and other items by Federal Reserve Banks and Funds Transfers Through Fedwire; CFPB's Enforcement Processes; Federal Credit Union Bylaws; CFPB's Supervision Program; Proposed Suspension and Debarment Procedures; FY'19 FSGG Appropriations Bill; CFPB's RFI regarding external engagements; Regulatory Review; CFPB's Rulemaking Processes; the Give Useful Information to Define Effective Compliance Act (H.R. 5534); the Counter Terrorism and Illicit Finance Act (H.R. 6068); Regulatory Changes in Light of S. 2155; CFPB's Adopted Regulations and New Rulemakings Authorities; Volker Rule; Feedback regarding operating vision for the US Faster Payments Council; CFPB's Inherited Regulations and Inherited Rulemaking Authorities; Title VII of H.R. 5841; CFPB financial education programs; financial literacy; Payday Alternative Loans (PALs); privacy risks regarding data sharing and section 1033 of Dodd-Frank; Disparate Impact Standard; Identity Fraud; Variable Interest Rates; Glass-Steagall Act; Credit Bureaus and the Fair Credit Reporting Act; NDAA - bank operations on military bases; USPS banking services; H.R. 5036, the Financial Technology Protection Act; H.R. 6743 - the Consumer Information Notification Requirement Act, NCUAs proposed rulemaking on loans and lines of credit (RIN 3133-AE88); CFPBs proposed policy to Encourage Trial Disclosure Program; NCUA budget; FHFAs Enterprise Capital Requirements (RIN 2590-AA95); FHFAs Uniform Mortgage-Backed Security (RIN 2590-AA94); NCUAs Real Estate Appraisals (3133-AE79); Potential Federal Reserve Actions to Support Interbank Settlement of Faster Payments, RFC (Docket No. OP-1625); SBAs Express Loan Programs; Affiliation Standards (RIN 3245-AG74); CFPB Data Collection and internal data governance policies RFI.

Client expense: $530,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Institute of Standards & Technology (NIST), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Preserving the credit union tax exemption; Repeal of the Durbin Amendment on debit interchange; Regulatory relief for credit unions; Credit union exemptions from the CFPB; Reforms to the structure of the CFPB and its powers; data and cyber security - creation of a national data security standard; Housing Finance Reform - ensuring that credit unions have unfettered access to the secondary mortgage market based on loan quality rather than quantity; Member Business Lending - raise the arbitrary cap, raise the de minimis exclusion; exempt loans to veterans from the definition of MBL, and exclude non-owner occupied, 1-4-family dwellings from the calculation of the cap on credit union member business loans (H.R. 389/S. 836); Capital Access for Small Businesses and Jobs Act (H.R. 1244); TRID Improvement Act (H.R. 5078/S. 2490); Bank Secrecy Act; FCC Oversight; Patent Reform - provide relief from practices of patent trolls; NFIP - National flood insurance program; The REINS Act (H.R. 26/S. 21); Regulatory Flexibility Act; Improve or require agency regulatory guidance; Financial CHOICE Act (H.R. 10); Community Financial Institution Exemption Act (H.R. 1264); Financial Services for the Underserved Act (H.R. 4665); Senior$afe Act (H.R. 3758/S. 223); Community Mortgage Lender Regulatory Act of 2017 (H.R. 1964); Securing Access to Affordable Mortgage Act of 2017 (H.R. 3221); Greater pre-emption authority for the NCUA; Mortgage Choice Act (H.R. 1153); Preserving Access to Manufactured Housing Act (H.R.1699/S. 1751); Consumer Financial Protection Board Act 2017 (S. 105); Financial Product Safety Commission Act of 2018 (H.R. 5266); TAILOR Act (H.R. 1116/S.366); CFPB Accountability Act of 2017 or the TABS Act of 2017 (H.R. 2553/S.387); Subject CFPB to Congressional appropriations process; Financial Institutions Examination Fairness and Reform Act (H.R. 4545/S. 2237); Expanding SBA business loan programs; Financial Institution Customer Protection Act (H.R. 2706); Financial services and general government appropriations bill; Home Mortgage Disclosure Adjustment Act (H.R. 2954/S. 1310); Home Mortgage Reporting Relief Act of 2017 (H.R. 4648); QM safe harbor for portfolio loans; Portfolio Lending and Mortgage Access Act (H.R. 2226/S. 2013); the Community Lending Enhancement and Regulatory Relief Act (H.R. 2133/S.1002); Common Sense Credit Union Capital Relief Act of 2017 (H.R. 4464); Risk-Based Capital; Common Sense Credit Union Capital Relief Act of 2018 (H.R. 5288/S.3750); Credit Score Competition Act (H.R. 898/S. 1685); Community Institution Mortgage Relief Act of 2017 (H.R. 3971); Small Business 7(a) Lending Oversight Reform Act (H.R. 4743/S.2283); Business of Insurance Regulatory Reform Act of 2017 (H.R. 3746); Subject non-depository GLBA institutions to regular examinations; require credit reporting agencies to notify depository institutions when one of their accounts is breached; Protecting Americans from Credit Entanglements Act (H.R. 1958/S.838); Making Online Banking Initiation Legal and Easy Act of 2017 (H.R. 1457); Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155); Securing Access to Affordable Mortgages Act (H.R. 3221); Protecting Consumers' Access to Credit Act of 2017 (H.R. 3299); H.R. 4296 - related to operational risk capital requirements; Lawsuit abuse related to website access requirements under the Americans with Disabilities Act; the ADA Education and Reform Act of 2017 (H.R. 620); CFPB Examination and Reporting Threshold Act (H.R. 3072). NCUA - Voluntary mergers; reforms to credit union capital requirements; supplemental capital for credit unions; FOM improvements; FCU interest rate cap; asset securitization authority for credit unions; Call report modernization; NCUSIF issues including NOL ratio and equity distribution; short-term small dollar lending; de novo charter process, approvals, and flexibility; consistent examination expectations; Issuance of clear UDAAP expectations; Exam appeals process; Codify IRPS; Bylaws ANPR; Capital Planning and Supervisory Stress Testing; Accuracy of Advertising; support for NCUA Regulatory Reform Agenda; Extend examination cycle for low-risk, well-run credit unions greater than $1 billion in assets; CFPB - Use of Section 1022 exemption authority; rulemakings related to debt collection, overdraft, qualified mortgage, ATR, mortgage servicing, consumer complaint database (and consumer inquiry handling process), Home Mortgage Disclosure Act (HMDA) requirements and reporting thresholds, implementation and examination, prepaid accounts; Section 1071 small business data collection; remittances rule and review; Truth in Lending Act/Real Estate Settlement Procedures Act (TILA/RESPA); free access to credit scores for consumers; Amendments to TILA/RESPA Integrated Disclosure Rule (TRID); Dept. of Treasury - Executive Order implementation, streamlining CDFI certifications, CDFI and CDRLF funding; cybersecurity interagency coordination; Regulation of FinTech companies; Do not subject credit unions to the Community Reinvestment Act (CRA); FCC - TCPA reform and requirements, interpretations, and litigation, fighting robocalls; FHFA - chattel loans/duty to serve; GSEs use of alternative credit scores; Credit Risk Transfer transactions; implementation of the Common Securitization Platform (CSP) and Single Security; FHLB Capital Requirements; FHLB role in mortgage market; SBA - Expanding CU participation in SBA lending; Dept. of Defense - Military Lending Act (MLA) Final Rule changes, guidance and implementation; IRS - guidance related to the tax reform bill, including executive compensation excise tax; Dept. of Labor - Revocation of Fiduciary Duty rule and Overtime rule; Dept. of Justice - ADA standards and guidance related to website accessibility; FTC - frivolous demand letters in violation of the Federal Trade Commission Act; FinCEN - Burden related to Suspicious Activities Reports (SARs) required under the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules, raising the required SAR reporting threshold; combating financial crimes; Federal Reserve - Regulation CC; acceptance of electronically signed loans as pledged collateral; role in payments system; Electronic Signatures; NIST - framework for Improving Critical Infrastructure Cybersecurity; Dept. of VA - Allowable Charges and Fees Assessed Incident to VA-Guaranteed Home Loans; FFIEC - evolution of the Cybersecurity Assessment Tool (CAT); FASB - CECL Accounting Standard implementation; Involuntary Liquidation of FCUs and Claims Procedures; Modernizing data collection for supervision of credit unions; FHFA's Affordable Housing Program; IRS oversight of credit unions; FinCEN's Customer Due Diligence Rule; CFPB Civil Investigative Demands and Associated processes; CFPB's Rules of Practice for Adjudication Proceedings; Collection of Checks and other items by Federal Reserve Banks and Funds Transfers Through Fedwire; CFPB's Enforcement Processes; Federal Credit Union Bylaws; CFPB's Supervision Program; Proposed Suspension and Debarment Procedures; FY'19 FSGG Appropriations Bill; CFPB's RFI regarding external engagements; Regulatory Review; CFPB's Rulemaking Processes; the Give Useful Information to Define Effective Compliance Act (H.R. 5534); the Counter Terrorism and Illicit Finance Act (H.R. 6068); Regulatory Changes in Light of S. 2155; CFPB's Adopted Regulations and New Rulemakings Authorities; Volker Rule; Feedback regarding operating vision for the US Faster Payments Council; CFPB's Inherited Regulations and Inherited Rulemaking Authorities; Title VII of H.R. 5841; CFPB financial education programs; financial literacy; Payday Alternative Loans (PALs); privacy risks regarding data sharing and section 1033 of Dodd-Frank; Disparate Impact Standard; Identity Fraud; Variable Interest Rates; Glass-Steagall Act; Credit Bureaus and the Fair Credit Reporting Act; NDAA - bank operations on military bases; USPS banking services; H.R. 5036, the Financial Technology Protection Act; H.R. 6743 - the Consumer Information Notification Requirement Act, NCUAs proposed rulemaking on loans and lines of credit (RIN 3133-AE88); CFPBs proposed policy to Encourage Trial Disclosure Program; NCUA budget; FHFAs Enterprise Capital Requirements (RIN 2590-AA95); FHFAs Uniform Mortgage-Backed Security (RIN 2590-AA94); NCUAs Real Estate Appraisals (3133-AE79); Potential Federal Reserve Actions to Support Interbank Settlement of Faster Payments, RFC (Docket No. OP-1625); SBAs Express Loan Programs; Affiliation Standards (RIN 3245-AG74); CFPB Data Collection and internal data governance policies RFI.

Client expense: $530,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Institute of Standards & Technology (NIST), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

S. 223/H.R. 3758 (Senior$afe Act of 2017); provides immunity from suit for certain individuals who disclose potential examples of financial exploitation of senior citizens. H.R. 10 (Financial CHOICE Act of 2017); converts the Consumer Financial Protection Bureau into a consumer law enforcement agency, subjects the agency to the congressional appropriations process, expanded judicial review, and additional congressional oversight, eliminates supervisory authority over financial institutions; and limits the agency's authority to take action against entities for abusive practices. H.R. 3911 (Risk-Based Credit Examination Act); amends the Securities Exchange Act of 1934 with respect to risk-based examinations of Nationally Recognized Statistical Rating Organizations. S. 1321/H.R. 2823 (Affordable Retirement Advice for Savers Act); amends the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code of 198 to repeal the Fiduciary Definition rulemaking. S. 370/S. 1804 (Repeal CFPB Act); eliminates the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. H.R. 3118/H.R. 1031; repeals the Consumer Financial Protection Act of 2010, which established the Consumer Financial Protection Bureau. H.J Res. 111; Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res.47; A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S. 2155 (Economic Growth, Regulatory Relief, and Consumer Protection Act); amends current banking and financial regulation laws. H.R. 5037 (Securities Fraud Act of 2018); provides exclusive Federal jurisdiction over civil securities fraud actions, preempting state law and regulation. S. 3421 (Blue Sky Harmonization Act); provides exclusive federal jurisdiction over civil securities fraud actions, preempting state law and regulation. General lobbying with regard to the Department of Labors conflict of interest rule. General lobbying with regard to the Department of Labors fiduciary rule. General lobbying with regard to the SEC fiduciary standard review. General lobbying on issues related to shareholder arbitration provisions.

Client expense: $1,300,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

S. 3218 - Strengthening Financial Security Through Short-Term Savings Accounts Act of 2018 S. 223, H.R. 3758 - SeniorSafe Act of 2017 H.R. 78 - SEC Regulatory Accountability Act H.R. 5282, S. 2526 - Retirement Enhancement and Savings Act H.R. 854, S. 1383 - Multiple Small Employer Plans - issues relating to MEPs/MSEPs No Bill # - Association Retirement Plans S. 868, H.R. 2055 - Lifetime Income Disclosure & Regulatory Issues - all provisions H.R. 3499 - Automatic IRA - all Provisions H.R. 4523 - Automatic Retirement Plan Act of 2017 No Bill # - Proposed DOL Fiduciary Regulations - all provisions H.R. 4524 - Retirement Plan Simplification and Enhancement Act of 2017 H.R. 2823 - Affordable Retirement Advice for Savers Act H.R. 3910 - To amend the IRS Code of 1986 to make lifetime income and managed accounts options of defined contribution retirement savings plans portable No Bill # - GMWB Interpretive Issues in terms of possible guidance H.R. 4610, S. 3795 - Electronic Disclosure - ERISA/Internal Revenue Code - issues/provisions relating to the use of electronic disclosure by employee benefit plans H.R. 4610, S. 3795 - Receiving Electronic Statements to Improve Retiree Earnings (RETIRE) Act H.R. 4604, H.R. 4637, H.R. 4524 - Issues relating to Annuity Selection Safe Harbor S. 3781 - Retirement Security and Savings Act H.R. 355 - Protecting American Families' Retirement Advice Act H.R. 7278 - General Account Legislative Fix No Bill # - Portable Retirement Accounts Legislation No Bill # - Qualified Professional Asset Manager (OPAM) Exception Amendment H.R. 6757 - Family Savings Act No Bill # - ERISA Clarifications for Securitizes Originated or Underwritten by Inter-Affiliates

Client expense: $1,150,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Federal Highway Administration (FHA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Ginnie Mae, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 10, HR 389, HR 1018, HR 1031, HR 1116, HR 1153, HR 1244, HR 1264, HR 1401, HR 1422, HR 1423, HR 1426, HR 1457, HR 1699, HR 1801, HR 1958, HR 1964, HR 2133, HR 2170, HR 2215, HR 2226, HR 2246, HR 2359, HR 2403, HR 2553, HR 2570, HR 2706, HR 2793, HR 2868, HR 2874, HR 2875, HR 2877, HR 2890, HR 2954, HR 3072, HR 3221, HR 3312, HR 3354, HR 3746, HR 3758, HR 3766, HR 3857, HR 3866, HR 3971, HR 3978, HR 4081, HR 4296, HR 4439, HR 4464, HR 4499, HR 4545, HR 4648, HR 4651, HR 4743, HR 4746, HR 4764, HR 4771, HR 4790, HR 4861, HR 4905, HR 5076, HR 5166, HR 5266, HR 5288, HR 5470, HR 5474, HR 5484, HR 5502, HR 5659, HR 5673, HR 5793, HR 5877, HR 5993, HR 6068, HR 6102, HR 6147, HR 6158, HR 6163, HR 6192, HR 6411, HR 6531, HR 6625, HR 6743, HR 6746, HR 6789, HR 6858, HR 6861, HR 6892, HR 6972; HJ Res 62, HJ Res 73, HJ Res 122, HJ Res 132; S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 488, S 563, S 567, S 836, S 838, S 1002, S 1152, S 1264, S 1284, S 1313, S 1315, S 1368, S 1389, S 1499, S 1571, S 1579, S 1642, S 1753, S 1810, S 1962, S 1982, S 2171, S 2237, S 2289, S 2362, S 2375, S 2417, S 2490, S 2701, S 2702, S 2862, S 3032, S 3040, S 3070, S 3128, S 3139, S 3334, S 3343, S 3443; SJ Res 47 SJ Res 56, SJ Res 57; data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HJRes 111 - CFPB Arbitration Rule HJRes 62 - CFPB Prepaid Rule HJRes 73 - CFPB Prepaid Rule HR 10 - The Financial CHOICE Act of 2017 HR 1116 - Tipton - TAILOR Act HR 1153 - Mortgage Choice Act of 2017 HR 1457 - MOBILE Act of 2017 HR 2133 - CLEARR Act of 2017 HR 2148 - Pittenger - HVCRE clarifications HR 238 - Commodity End-User Relief Act HR 3280 - House FSGG Appropriations 2018 HR 3299 - McHenry - Valid When Made Bill HR 3312 - Luetkemeyer - SIFI Threshold Bill HR 3857 - Wagner - PASS Act (DOL Fiduciary repeal and replace bill) HR 3860 - IRS Tax Transcript Access HR1813 - Border Wall Funding Act of 2017 S. 1002 - CLEAR Act S. 105 - Consumer Financial Protection Board Act of 2017 S. 223 - Senior$afe Act of 2017 S. 366 - TAILOR Act of 2017 SJRes 19 - CFPB Prepaid Rule SJRes 47 - CFPB Arbitration Rule S. 1893 - Bank SIFI Threshold S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.J.Res.122 - Resolution of Disapproval CFPB Payday Lending Rule HR 1 - Tax Cuts and Jobs Act H.R. 2148 - Clarifying Commercial Real Estate Loans S. 2405 - Clarifying Commercial Real Estate Loans S. 2498, the Protecting Children From Identity Theft Act H.R. 5192, the Protecting Children From Identity Theft Act H.R. 5266 - CFPB Commission HR 3354 / HR 238 - Interaffilite Swap Provisions S. 1642 - Valid When Made S. 1958 - Tax Transcripts S. 2854 - The MOBILE Act HR 6068 - BSA/AML Reform HR 4790 - Volcker Harmonization S. 2098 - FIRRMA HR 6258 / S. 3107 - FSGG Appropriations 2019 (swaps & Volcker issues) H.R.5961 Agriculture Appropriations Act, 2019 HR 6158 - Brokered Deposits

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III S. 223/H.R. 3758 - Senior$afe Act of 2017. This bill will provide immunity from suit for certain individuals who disclose potential examples of financial exploitation of senior citizens. Issue: protecting seniors financial security. S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. S. 488 JOBS and Investor Confidence Act of 2018. Issue: Implementation and regulatory reform of the financial services industry. H.R. 10 -- Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. H.R. 3110/S. 1463 - A bill to amend the Financial Stability Act of 2010 to modify the term of the independent member of the Financial Stability Oversight Council. Issue: Dodd-Frank Act reform. S. 1360 - International Insurance Capital Standards Accountability Act of 2017. Issue: international insurance standards. H.R. 3762 - International Insurance Standards Act of 2017. Issue: international insurance standards. H.R. 4537 - International Insurance Standards Act of 2017. Issue: international insurance standards. H.R. 3857 - Protecting Advice for Small Savers (PASS) Act of 2017. Issue: Establishing a best interest standard for financial advisors and fiduciary rule. H.R. 3861 - Federal Insurance Office Reform Act of 2017. Issue: FIO reform. H.R. 4483 - Federal Insurance Office Abolishment Act of 2017. Issue: FIO reform. H.R. 5323 - Derivatives Fairness Act. Issue: establish an exemption from the credit valuation adjustment calculation for uncleared derivatives transactions with end-users. H.R. 1625 - Consolidated Appropriations Act of 2018. Issue: postal reform. H.R.___/S.___ - Financial Services and General Government Appropriations Act. Making appropriations for financial services and general government for the fiscal year ending September 30, 2019, and for other purposes. Issue: Global insurance standards; SIFI de-risking. H.R.__ - Draft legislation regarding the designations or titles of financial professionals. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Whole or universal life insurance premiums. Issue: Swap margin rule. The rule establishes margin requirements for swaps not cleared through a clearinghouse. No bill number assigned. Tracking: H.R. 985 - Fairness in Class Action Litigation and Furthering Asbestos Claim Transparency Act of 2017. The bill would amend the procedures used in Federal court class actions and multidistrict litigation proceedings to assure fairer, more efficient outcomes for claimants and defendants. Issue: tort reform. H.R. 756 - Postal Service Reform Act of 2017. This bill would restore the financial solvency and improve the governance of the U.S. Postal Service in order to ensure the efficient and affordable nationwide delivery of mail. Issue: postal reform. H.R. 1303/S. 180 - H-1B and L-1 Visa Reform Act of 2017. This bill would amend the Immigration and Nationality Act to reform and reduce fraud and abuse in certain visa programs for aliens working temporarily in the U.S. Issue: immigration reform. H.R. 1226/S. 447 - Justice for Uncompensated Survivors Today (JUST) Act of 2017. This bill would require reporting on acts of certain foreign countries on Holocaust era assets and related issues. Issue: Holocaust era insurance claims. H.R. 762/S.258 - Holocaust Insurance Accountability Act of 2017. This bill would provide for the restoration of legal rights for claimants under holocaust-era insurance policies.

Client expense: $1,024,543 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

FIN - Fourth Quarter Report - 2018 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. H.R. 10 -- Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. H.R. 3110/S. 1463 - A bill to amend the Financial Stability Act of 2010 to modify the term of the independent member of the Financial Stability Oversight Council. Issue: Dodd-Frank Act reform. H.R. 3762 - International Insurance Standards Act of 2017. Issue: international insurance standards. H.R. 3857 - Protecting Advice for Small Savers (PASS) Act of 2017. Issue: Establishing a best interest standard for financial advisors and fiduciary rule. H.R. 3861 - Federal Insurance Office Reform Act of 2017. Issue: FIO reform. H.R. 4483 - Federal Insurance Office Abolishment Act of 2017. Issue: FIO reform. H.R. 4537 - International Insurance Standards Act of 2017. Issue: international insurance standards. H.R. 5323 - Derivatives Fairness Act. Issue: establish an exemption from the credit valuation adjustment calculation for uncleared derivatives transactions with end-users. H.R.___/S.___ - Financial Services and General Government Appropriations Act. Making appropriations for financial services and general government for the fiscal year ending September 30, 2019, and for other purposes. Issue: Global insurance standards; SIFI de-risking. H.R.__ - Draft legislation regarding the designations or titles of financial professionals. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III S. 223/H.R. 3758 - Senior$afe Act of 2017. This bill will provide immunity from suit for certain individuals who disclose potential examples of financial exploitation of senior citizens. Issue: protecting seniors financial security. S. 488 JOBS and Investor Confidence Act of 2018. Issue: Implementation and regulatory reform of the financial services industry. S. 1360 - International Insurance Capital Standards Accountability Act of 2017. Issue: international insurance standards. S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Whole or universal life insurance premiums. Issue: Swap margin rule. The rule establishes margin requirements for swaps not cleared through a clearinghouse. No bill number assigned.

Client expense: $620,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Proposals related to retirement plans for small business. Proposals to reform the multiple employer plan rules, including H.R. 854, Retirement Security for American Workers Act. Guidance related to nondiscrimination rules for defined contribution plan annuity investment products. Issues related to tax incentives for retirement savings. Issues related to income investment options. Proposals related to electronic disclosure, including H.R. 4610/S. 3795, the RETIRE Act. Plan consolidation. Proposals to amend the Internal Revenue Code and ERISA to avoid duplicative annual reporting, including H.R. 1688 and S. 695. S. 223, Senior $afe Act. H.R. 3910, to make lifetime income and managed account options of defined contribution retirement savings plans portable. H.R. 4524, the Retirement Plan Simplification and Enhancement Act. H.R. 4604, Increasing Access to a Secure Retirement Act. S. 2526/H.R. 5282, Retirement Enhancement and Savings Act. Proposals related to Rothification. H.R. 6757, Family Savings Act. Executive Order 13847, Strengthening Retirement Security in America. S. 3781, Retirement Security and Savings Act. S. 3219, to modify the requirements for multiple employer plans, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to expanding retirement coverage and adequacy, facilitating retirement income, and increasing retirement security. Issues related to qualifying longevity annuity contracts. Issues related to state law preemption. Proposals to reform the multiple employer plan rules including H.R. 854, Retirement Security for American Workers Act. Proposals related to environmental, social, and governance criteria. Kids Savings Accounts. H.R. 3910, to amend the Internal Revenue Code of 1986 to make lifetime income and managed account options of defined contribution retirement savings plans portable. S. 223, Senior$afe Act. H.R. 4523, the Automatic Retirement Plan Act. H.R. 4524, the Retirement Plan Simplification and Enhancement Act. S. 2526/H.R. 5282, Retirement Enhancement and Savings Act. 403(b) investments. Annuity defaults. H.R. 6757, Family Savings Act. Executive Order 13847, Strengthening Retirement Security in America. Annuity tax credit. S. 3781, Retirement Security and Savings Act. S. 3219, to modify the requirements for multiple employer plans, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to expanding retirement coverage and adequacy, facilitating retirement income, and increasing retirement security. Issues related to qualifying longevity annuity contracts. Issues related to state law preemption. Proposals to reform the multiple employer plan rules including H.R. 854, Retirement Security for American Workers Act. Proposals related to environmental, social, and governance criteria. Kids Savings Accounts. H.R. 3910, to amend the Internal Revenue Code of 1986 to make lifetime income and managed account options of defined contribution retirement savings plans portable. S. 223, Senior$afe Act. H.R. 4523, the Automatic Retirement Plan Act. H.R. 4524, the Retirement Plan Simplification and Enhancement Act. S. 2526/H.R. 5282, Retirement Enhancement and Savings Act. 403(b) investments. Annuity defaults. H.R. 6757, Family Savings Act. Executive Order 13847, Strengthening Retirement Security in America. Annuity tax credit. S. 3781, Retirement Security and Savings Act. S. 3219, to modify the requirements for multiple employer plans, and for other purposes.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Work with respect to proposals to enhance retirement savings opportunities for employers, employees, and individuals, including self correcting inadvertent plan errors. S. 223, Senior$afe Act. Small business tax credit. Issues related to the Department of Labor's regulation defining fiduciary. H.R. 3902, Small Employer Retirement Savings Auto-Enrollment Credit Act. SIMPLE IRAs. H.R. 4524, the Retirement Plan Simplification and Enhancement Act. S. 2526/H.R. 5282, Retirement Enhancement and Savings Act. Required minimum distribution issues. H.R. 6757, Family Savings Act. S. 3197 - SIMPLE Plan Modernization Act. S. 3781, Retirement Security and Savings Act. S. 3278, Protecting Taxpayers Act.

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the effect of the Department of Labor's fiduciary regulation and coordination with possible SEC action on broker/dealer standard of care. Proposals related to small business retirement issues. S. 223, Senior$afe Act. SIMPLE IRAs. Issues relating to expanding retirement coverage and increasing retirement security. S. 2526/H.R. 5282, Retirement Enhancement and Savings Act. Required minimum distributions issues. H.R. 6757, Family Savings Act. S. 3781, Retirement Security and Savings Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Proposals related to limited partnerships. Proposals related to small business retirement issues. S. 223, Senior$afe Act. SIMPLE IRAs. S. 2526/H.R. 5282, Retirement Enhancement and Savings Act. Issues related to Internal Revenue Code Section 199A. Required minimum distribution issues. H.R. 6757, Family Savings Act. S. 3781, Retirement Security and Savings Act.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 223/H.R. 3758 (Senior$afe Act of 2017); provides immunity from suit for certain individuals who disclose potential examples of financial exploitation of senior citizens. H.R. 10 (Financial CHOICE Act of 2017); converts the Consumer Financial Protection Bureau into a consumer law enforcement agency, subjects the agency to the congressional appropriations process, expanded judicial review, and additional congressional oversight, eliminates supervisory authority over financial institutions; and limits the agency's authority to take action against entities for abusive practices. H.R. 3911 (Risk-Based Credit Examination Act); amends the Securities Exchange Act of 1934 with respect to risk-based examinations of Nationally Recognized Statistical Rating Organizations. S. 1321/H.R. 2823 (Affordable Retirement Advice for Savers Act); amends the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code of 198 to repeal the Fiduciary Definition rulemaking. S. 370/S. 1804 (Repeal CFPB Act); eliminates the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. H.R. 3118/H.R. 1031; repeals the Consumer Financial Protection Act of 2010, which established the Consumer Financial Protection Bureau. H.J Res. 111; Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res.47; A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S. 2155 (Economic Growth, Regulatory Relief, and Consumer Protection Act); amends current banking and financial regulation laws. H.R. 5037 (Securities Fraud Act of 2018); provides exclusive Federal jurisdiction over civil securities fraud actions, preempting state law and regulation. General lobbying with regard to the Department of Labors conflict of interest rule. General lobbying with regard to the Department of Labors fiduciary rule. General lobbying with regard to the SEC fiduciary standard review. General lobbying on issues related to shareholder arbitration.

Client expense: $1,430,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, SENATE

Retirement Security as in the following bills: - Senior$afe Act of 2017 (S.223, H.R.3758) - Lifetime Income Disclosure Act (S.868, H.R.2055) - Graduate Student Savings Act (S.1379, H.R.3136) - Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (H.R.2030, S.940, H.R.1, S.1) - Retirement Plan Simplification and Enhancement Act (H.R.4524) - Receiving Electronic Statements to Improve Retiree Earnings Act (H.R.4610) - Small Businesses Add Value for Employees Act (SAVE Act) (H.R.4637) - Increasing Access to a Secure Retirement Act of 2017 Bill Text (H.R.4604) - Automatic Retirement Plan Act of 2017 (H.R.4523) - Portability of Lifetime Income and Managed Account Options (H.R.3910) - Retirement Security for American Workers Act (H.R.854) - Retirement Security Act of 2017 (S.1383) - Retirement Enhancement and Savings Act (S.2526, H.R.5282) - Family Savings Act (H.R.6757) Providing Lifetime Income Illustrations on Retirement Benefit Statements Defined Contribution Retirement Plan Design and Modernization Fiduciary Concerns Related to Advice and Education in Retirement Plans Stretch IRA Electronic Delivery of Plan Documents Tax Reform Preserving Tax-Deferred Treatment of Defined Contribution Plans Preserving the Structure of the Defined Contribution System (Retirement Plan Consolidation) Qualified Default Investment Alternatives (QDIA) Safe Harbor for Plan Sponsors Selecting Annuity Providers on Plan Menus Portability of Annuities in Defined Contribution Plans Automatic IRA/401(k) Retirement Plans Collective Investment Trusts in 403(b) Plans Multiple Employer Plans

Client expense: $370,000 · Firm income: Not reported

Government targets: Federal Deposit Insurance Corporation (FDIC), HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

S. 223/H.R. 3758 (Senior$afe Act of 2017); provides immunity from suit for certain individuals who disclose potential examples of financial exploitation of senior citizens. H.R. 10 (Financial CHOICE Act of 2017); converts the Consumer Financial Protection Bureau into a consumer law enforcement agency, subjects the agency to the congressional appropriations process, expanded judicial review, and additional congressional oversight, eliminates supervisory authority over financial institutions; and limits the agency's authority to take action against entities for abusive practices. H.R. 3911 (Risk-Based Credit Examination Act); amends the Securities Exchange Act of 1934 with respect to risk-based examinations of Nationally Recognized Statistical Rating Organizations. S. 1321/H.R. 2823 (Affordable Retirement Advice for Savers Act); amends the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code of 198 to repeal the Fiduciary Definition rulemaking. S. 370/S. 1804 (Repeal CFPB Act); eliminates the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. H.R. 3118/H.R. 1031; repeals the Consumer Financial Protection Act of 2010, which established the Consumer Financial Protection Bureau. H.J Res. 111; Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res.47; A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S. 2155 (Economic Growth, Regulatory Relief, and Consumer Protection Act); amends current banking and financial regulation laws. H.R. 5037 (Securities Fraud Act of 2018); provides exclusive Federal jurisdiction over civil securities fraud actions, preempting state law and regulation. S. 3421 (Blue Sky Harmonization Act); provides exclusive federal jurisdiction over civil securities fraud actions, preempting state law and regulation. General lobbying with regard to the Department of Labors conflict of interest rule. General lobbying with regard to the Department of Labors fiduciary rule. General lobbying with regard to the SEC fiduciary standard review. General lobbying on issues related to shareholder arbitration provisions.

Client expense: $1,510,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, SENATE, Securities & Exchange Commission (SEC)

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to NCUAs risk-based capital rule Issues related to NCUAs Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUAs rule on securitization Issues related to NCUAs regulatory review process Issues related to NCUAs rule on Member Business Lending Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to premium assessments by the National Credit Union Share Insurance, NCUA Issues related to NCUAs Corporate Credit Union Stabilization Plan Issues related to NCUAs budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Supervisory Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the CFPBs regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPBs regulation on Truth-in-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPBs consumer complaint database Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the CFPB's proposal on arbitration Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulatory D Issues related to the Feds implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumers access to records Issues related to economic growth Issues related to the National Credit Union Administration's Advance Notice of Proposed Rulemaking for Supplemental Capital Issues related to Interchange Fees Issues related to the funding of the National Credit Union Administration Issues related to the consumer notification of privacy standards Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to the transfer of leadership at the Consumer Financial Protection Bureau Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to the nomination of Kathy Kraninger to the BCFP Issues related to GSE/Housing Finance Reform Issues related to FHA and USDA Loan Modifications Issues related to payments innovation Issues related to Faster payments Issues related to the Department of Treasury's Bluespring for a Modernized Financial Issues related to the Fair Credit Reporting Act Issues related to Treasure and IRS actions on the implementation of HR 1, the Tax Cuts and Job Act H.J. Res 111, a resolution providing for congressional disapproval under chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.Con.Res. XX, a concurrent budget resolution for FY 2019-general issues H.R. 10, the Financial CHOICE Act H.R. 26, the Regulations in Need of Scrutiny Act, all provisions H.R. 389, the Credit Union Residential Loan Parity Act, all provisions H.R. 924, the Financial Institutions Due Process Act H.R. 1116, the Taking Account of Institutions with Low Operation Risk Act (TAILOR), all provisions H.R. 1153, the Mortgage Choice Act of 2017, all provisions H.R. 1244, the Capital Access for Small Businesses and Jobs Act, all provisions H.R. 1264, the Community Financial Institution Exemption Act, all provisions H.R. 1457, the MOBILE Act, all provisions H.R. 1585, the Mutual Bank Capital Opportunity Act, all provisions H.R. 1958, the Protections Affordable Coverage for Employees (PACE) Act, all provisions H.R. 2054, Protecting Americans from Credit Entanglements Act of 2017 H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act, all provisions H.R. 2204, the Homeowner Information Privacy Protection Act, all provisions H.R. 2226, the Portfolio Lending and Mortgage Access Act, all provisions H.R. 2359, Fair Credit Reporting Act Liability Harmonization H.R. 2396, the Privacy Notification Technical Correction Act H.R. 2706, the Financial Institution Customer Protection Act, all provisions H.R. 2954, the Home Mortgage Disclosure Adjustment Act H.R. 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold, all provisions H.R. 3089, the Corporate Transparency Act H.R. 3221, the Securing Access to Affordable Mortgages Act, all provisions H.R. 3299, the Protecting Consumers Access to Credit Act of 2017, all provisions H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 H.R. 3758, the Senior Safe Act of 2017 H.R. 3857, the PASS: Protecting Advice for Small Savers Act, all provisions H.R. 3866, to amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan, all provisions H.R. 3911, the Risk-Based Credit Examination Act, all provisions H.R. 3971, the Community Institution Mortgage Relief Act of 2017 H.R. 3978, To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes H.R. 4464, the Common Sense Credit Union Capital Relief Act of 2017, all provisions H.R. 4545, the Financial Institutions Examination Fairness and Reform Act, all provisions H.R. 4607, the Comprehensive Regulatory Review Act, all provisions H.R. 4648, the Home Mortgage Reporting Relief Act of 2017, all provisions H.R. 5078, the TRID Improvement Act of 2018, all provisions H.R. 5266, the Financial Product Safety Commission Act of 2018, all provisions H.R. 5288, the Common Sense Credit Union Capital Relief Act of 2018, all provisions H.R. 5515, The John S. McCain National Defense Authorization Act, provisions related to financial service branches on military bases H.R. 5534, the Give Useful Information to Define Effective Compliance Act, all provisions H.R. 5952, Commerce, Justice, Science and Related Agencies Appropriations, Title II H.R. 6068, the Counter Terrorism and Illicit Finance Act, all provisions H.R. 6147, the Financial Services and General Government Appropriations Act for Fiscal Year 2019, all provisions H.R. 6385, Department of State, Foreign Operations, and Related Programs, Title I H.R. 6743, the Consumer Information Notification Requirement Act, all provisions H.R. 6850, the Financial Reporting Threshold Modernization Act , all provisions S.J. Res. 47, a resolution providing for congressional disapproval under Chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 21, the Regulations in Need of Scrutiny Act, all provisions S. 223, the Senior $afe Act, all provisions S. 366, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act, all provisions S. 836, the Credit Union Residential Loan Parity Act, all provisions S. 838, the Protecting Affordable Coverage for Employees (PACE) Act, all provisions S. 869, Protecting Americans from Credit Entanglements Act of 2017 S. 1002, CLEAR Relief Act of 2017, all provisions S. 1310, Home Mortgage Disclosure Adjustment Act S. 1579, the Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 2155, Economic Growth, Regulatory Relief, and Consumer protection Act, all provisions S. 2237, the Financial Institution Examination Fairness Reform Act, all provisions S. 2463, Better Utilization of Investments Leading to Development (BUILD) Act S.J.Res. 19, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, all provisions Legislation contemplated by House Financial Services Committee Chairman Jeb Hensarling entitled the Financial Creating Hope and Opportunity for Investors, Consumer and Entrepreneurs (CHOICE) Act, provisions impacting credit unions, the National Credit Union Administration and the Consumer Financial Protection Bureau. Title XVII of the House Amendment to S. 488, the JOBS and Investor Confidence Act of 2018

Client expense: $1,020,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)

Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions. Proposals at the Department of Labor for increasing Americans' access to guaranteed lifetime income solutions. Department of Labor rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. Securities and Exchange Commission proposed rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. The Retirement Choice Protection Act (H.R. 3922 - 114th Congress), DOL fiduciary rulemaking. The SAVERS Act (H.R. 4294, S.2505 - 114th Congress), DOL fiduciary rulemaking. The SAVE Act (H.R. 4067 - 114th Congress), improve existing SIMPLE IRA and SIMPLE 401(k) retirement plans to make it easier for small businesses to offer savings plans to their employees. Womens Pension Protection Act (S.2110 - 114th Congress), strengthen consumer protections to safeguard retirement savings, improve access to retirement savings plans for long-term, part-time workers - the majority of whom are women - and help increase womens financial literacy. The Senior Safe Act of 2017 (H.R. 3758, S.223), clarify existing laws to allow and encourage financial service representatives at banks and credit unions, investment advisors, and broker-dealers to report suspected financial fraud targeting seniors to regulators, law enforcement, or adult protective service agencies. The Receiving Electronic Statements to Improve Retiree Earnings Act (H.R. 4610), amends ERISA of 1974 and IRC of 1986 to provide for electronic delivery of pension plan information. The Retirement Savings Lost and Found Act of 2016 (S.3078 - 114th Congress), to increase the portability of and access to retirement savings. Financial CHOICE Act of 2017 (H.R. 10). Secure, Accessible, Valuable, Efficient Universal Pension Accounts (SAVE UPs) Act (H.R. 5731 - 114th Congress). Sen. Wyden Discussion Draft on Retirement Savings and IRAs (114th Congress). Affordable Retirement Advice for Savers Act (H.R. 2823). Affordable Retirement Advice Protection Act (S.1321). Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (H.R. 2030). The Protecting Advice for Small Savers (PASS) Act of 2017 (H.R. 3857). The Make America Secure and Prosperous Appropriations Act (H.R. 3354). The FY 2018 Labor, Health and Human Services, and Education (LHHS) funding bill (H.R. 3358). The FY 2018 Budget Resolution (H.R. Con. Res. 71). Disapproving the rule submitted by the Department of Labor relating to savings arrangements established by States for non-governmental employees (H.J. Res 66). Disapproving the rule submitted by the Department of Labor relating to savings arrangements established by qualified State political subdivisions for non-governmental employees (H.J. Res 67). The Lifetime Income Disclosure Act (H.R. 2055, S.868). The PROSPERS Act (H.R. 2523, S.1035). Implementation of Public Law No: 115-97, the Tax Cuts and Jobs Act. The Economic Growth, Regulatory Relief and Consumer Protection Act (S.2155). The Automatic Retirement Plan Act of 2017 (H.R. 4523). The Retirement Plan Simplification Act of 2017 (H.R.4524). The Increasing Access to Secure Retirement Act (H.R.4604). The Small Businesses Add Value for Employees (SAVE) Act of 2017 (H.R. 4637). Retirement Enhancement and Savings Act of 2018 (H.R. 5282, S.2526). Consolidated Appropriations Act, 2018 (H.R. 1625). Senior Safe Act 2017 included as Title III (H.R. 2255). Retirement Security Act of 2017 (H.R. 854, S.1383). SAVE Act of 2017 (H.R. 4637). The Labor, Health and Human Services, Education and Related Agencies Appropriations Act of 2019 (S.3158). The Commission on Retirement Security Act of 2018 (S.2753). Elder Protection and Abuse Prevention Act (H.R. 6744). Retirement Security Flexibility Act of 2018 (S.3221). Small Business Employees Retirement Enhancement Act (S.3219). Family Savings Act (H.R. 6757). The Strengthening Financial Security through Short-Term Savings Act (S.3218). Senior Security Act of 2018 (H.R.6323). JOBS and Investor Confidence Act of 2018 (S.488).

Client expense: $80,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Legislation and rulemaking affecting annuities, variable life products and retirement savings including Trump Administration and Congressional proposals on tax reform. Public Law 111-203, Dodd-Frank Wall Street Reform and Consumer Protection Act, implementation and regulatory reform. Implementation of Title VII of the Dodd-Frank Wall Street Reform and Consumer Protection Act, promote regulatory coordination, and avoid market disruption. Proposals at the Securities and Exchange Commission for a potential rulemaking on the harmonization of the standard of care for investment advisors and broker-dealers. Proposal with the Securities and Exchange Commission for a rulemaking to provide for the acceptance of a summary prospectus for variable annuities. Proposals at the Department of Treasury for increasing Americans' access to guaranteed lifetime income solutions. Proposals at the Department of Labor for increasing Americans' access to guaranteed lifetime income solutions. Department of Labor rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. Securities and Exchange Commission proposed rule to expand the scope of persons and entities that would be considered a fiduciary under the Employee Retirement Income Security Act. Financial CHOICE Act of 2017 (H.R. 10). Sen. Wyden Discussion Draft on Retirement Savings and IRAs (114th Congress). The Protecting Advice for Small Savers (PASS) Act of 2017 (H.R. 3857). The Make America Secure and Prosperous Appropriations Act (H.R. 3354). The FY 2018 Labor, Health and Human Services, and Education (LHHS) funding bill (H.R. 3358). Senior Safe Act of 2017 (H.R. 3758, S.223). The Economic Growth, Regulatory Relief and Consumer Protection Act (S.2155). Implementation of Public Law No: 115-97, the Tax Cuts and Jobs Act. The Business of Insurance Regulatory Reform Act (H.R. 3746). The Financial Stability Oversight Council Insurance Member Continuity Act (H.R. 3110, S. 1463). The Make America Secure and Prosperous Appropriations Act (H.R. 3354). FY 2018 Budget Resolution (H.R. Con Res 71). Retirement Enhancement and Savings Act of 2018 (H.R. 5282, S.2526). Consolidated Appropriations Act, 2018 (H.R. 1625). Senior Safe Act 2017 included as Title III (H.R. 2255). The Labor, Health and Human Services, Education and Related Agencies Appropriations Act of 2019 (S.3158). The Primary Regulators of Insurance Vote Act of 2018 (H.R. 5666). Elder Protection and Abuse Prevention Act (H.R. 6744). Senior Security Act of 2018 (H.R. 6323). The Strengthening Financial Security through Short-Term Savings Act (S.3218). The Refund to Rainy Day Savings Act (S.3220). JOBS and Investor Confidence Act of 2018 (S.488).

Client expense: $80,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

S. 3218 - Strengthening Financial Security Through Short-Term Savings Accounts Act of 2018 S. 223, H.R. 3758 - SeniorSafe Act of 2017 H.R. 78 - SEC Regulatory Accountability Act H.R. 5282, S. 2526 - Retirement Enhancement and Savings Act H.R. 854, S. 1383 - Multiple Small Employer Plans - issues relating to MEPs/MSEPs S. 868, H.R. 2055 - Lifetime Income Disclosure & Regulatory Issues - all provisions H.R. 3499 - Automatic IRA - all Provisions H.R. 4523 - Automatic Retirement Plan Act of 2017 No Bill # - Proposed DOL Fiduciary Regulations - all provisions H.R. 4524 - Retirement Plan Simplification and Enhancement Act of 2017 H.R. 2823 - Affordable Retirement Advice for Savers Act H.R. 3910 - To amend the IRS Code of 1986 to make lifetime income and managed accounts options of defined contribution retirement savings plans portable No Bill # - GMWB Interpretive Issues in terms of possible guidance H.R. 4610 - Electronic Disclosure - ERISA/Internal Revenue Code - issues/provisions relating to the use of electronic disclosure by employee benefit plans H.R. 4610 - Receiving Electronic Statements to Improve Retiree Earnings (RETIRE) Act H.R. 4604, H.R. 4637, H.R. 4524 - Issues relating to Annuity Selection Safe Harbor H.R. 355 - Protecting American Families' Retirement Advice Act No Bill # - General Account Legislative Fix No Bill # - Portable Retirement Accounts Legislation No Bill # - Qualified Professional Asset Manager (OPAM) Exception Amendment H.R. 6757 - Family Savings Act

Client expense: $1,140,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Federal Highway Administration (FHA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Ginnie Mae, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Supplemental capital issues, regulatory issues for credit unions and tax exemption status: HR 10, HR 389, HR 1018, HR 1031, HR 1116, HR 1153, HR 1244, HR 1264, HR 1401, HR 1422, HR 1423, HR 1426, HR 1457, HR 1699, HR 1801, HR 1958, HR 1964, HR 2133, HR 2170, HR 2215, HR 2226, HR 2246, HR 2359, HR 2403, HR 2553, HR 2570, HR 2706, HR 2793, HR 2868, HR 2874, HR 2875, HR 2877, HR 2890, HR 2954, HR 3072, HR 3110, HR 3221, HR 3312, HR 3354, HR 3746, HR 3758, HR 3766, HR 3857, HR 3866, HR 3971, HR 3978, HR 4081, HR 4296, HR 4439, HR 4464, HR 4499, HR 4545, HR 4648, HR 4651, HR 4743, HR 4746, HR 4764, HR 4771, HR 4790, HR 4861, HR 4905, HR 5076, HR 5166, HR 5266, HR 5288, HR 5470, HR 5474, HR 5484, HR 5502, HR 5659, HR 5673, HR 5793, HR 5877, HR 5993, HR 6068, HR 6102, HR 6147, HR 6158, HR 6163, HR 6192, HR 6411, HR 6531, HR 6625, HR 6743, HR 6746, HR 6789, HR 6858, HR 6861, HR 6892, HR 6972; HJ Res 62, HJ Res 73, HJ Res 122, HJ Res 132; S 21, S 105, S 223, SJ Res 19, S 365, S 366, S 370, S 387, S 488, S 563, S 567, S 836, S 838, S 1002, S 1152, S 1264, S 1284, S 1313, S 1315, S 1368, S 1389, S 1499, S 1571, S 1579, S 1642, S 1753, S 1810, S 1962, S 1982, S 2155, S 2171, S 2237, S 2289, S 2362, S 2375, S 2417, S 2490, S 2701, S 2702, S 2862, S 3032, S 3040, S 3070, S 3128, S 3139, S 3334, S 3343, S 3443; SJ Res 47 SJ Res 56, SJ Res 57; data security and cybersecurity: patent reform; FHLB membership rules; CFPB and FSOC reform; and GSE reform.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

HJRes 111 - CFPB Arbitration Rule HJRes 62 - CFPB Prepaid Rule HJRes 73 - CFPB Prepaid Rule HR 10 - The Financial CHOICE Act of 2017 HR 1116 - Tipton - TAILOR Act HR 1153 - Mortgage Choice Act of 2017 HR 1457 - MOBILE Act of 2017 HR 2133 - CLEARR Act of 2017 HR 2148 - Pittenger - HVCRE clarifications HR 238 - Commodity End-User Relief Act HR 3280 - House FSGG Appropriations 2018 HR 3299 - McHenry - Valid When Made Bill HR 3312 - Luetkemeyer - SIFI Threshold Bill HR 3857 - Wagner - PASS Act (DOL Fiduciary repeal and replace bill) HR 3860 - IRS Tax Transcript Access HR1813 - Border Wall Funding Act of 2017 S. 1002 - CLEAR Act S. 105 - Consumer Financial Protection Board Act of 2017 S. 223 - Senior$afe Act of 2017 S. 366 - TAILOR Act of 2017 SJRes 19 - CFPB Prepaid Rule SJRes 47 - CFPB Arbitration Rule S. 1893 - Bank SIFI Threshold S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.J.Res.122 - Resolution of Disapproval CFPB Payday Lending Rule HR 1 - Tax Cuts and Jobs Act H.R. 2148 - Clarifying Commercial Real Estate Loans S. 2405 - Clarifying Commercial Real Estate Loans S. 2498, the Protecting Children From Identity Theft Act H.R. 5192, the Protecting Children From Identity Theft Act H.R. 5266 - CFPB Commission HR 3354 / HR 238 - Interaffilite Swap Provisions S. 1642 - Valid When Made S. 1958 - Tax Transcripts S. 2854 - The MOBILE Act HR 6068 - BSA/AML Reform HR 4790 - Volcker Harmonization S. 2098 - FIRRMA HR 6258 / S. 3107 - FSGG Appropriations 2019 (swaps & Volcker issues) H.R.5961 Agriculture Appropriations Act, 2019 HR 6158 - Brokered Deposits

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

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

FIN - Second Quarter Report - 2018 Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. H.R. 10 -- Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. H.R. 3110/S. 1463 - A bill to amend the Financial Stability Act of 2010 to modify the term of the independent member of the Financial Stability Oversight Council. Issue: Dodd-Frank Act reform. H.R. 3762 - International Insurance Standards Act of 2017. Issue: international insurance standards. H.R. 3857 - Protecting Advice for Small Savers (PASS) Act of 2017. Issue: Establishing a best interest standard for financial advisors and fiduciary rule. H.R. 3861 - Federal Insurance Office Reform Act of 2017. Issue: FIO reform. H.R. 4483 - Federal Insurance Office Abolishment Act of 2017. Issue: FIO reform. H.R. 4537 - International Insurance Standards Act of 2017. Issue: international insurance standards. H.R. 5323 - Derivatives Fairness Act. Issue: establish an exemption from the credit valuation adjustment calculation for uncleared derivatives transactions with end-users. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III S. 223/H.R. 3758 - Senior$afe Act of 2017. This bill will provide immunity from suit for certain individuals who disclose potential examples of financial exploitation of senior citizens. Issue: protecting seniors financial security. S. 488 JOBS and Investor Confidence Act of 2018. Issue: Implementation and regulatory reform of the financial services industry. S. 1360 - International Insurance Capital Standards Accountability Act of 2017. Issue: international insurance standards. S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. H.R.___/S.___ - Financial Services and General Government Appropriations Act. Making appropriations for financial services and general government for the fiscal year ending September 30, 2019, and for other purposes. Issue: Global insurance standards; SIFI de-risking. H.R.__ - Draft legislation regarding the designations or titles of financial professionals. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Whole or universal life insurance premiums. Issue: Swap margin rule. The rule establishes margin requirements for swaps not cleared through a clearinghouse. No bill number assigned.

Client expense: $840,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Preserving the credit union tax exemption; Repeal of the Durbin Amendment on debit interchange; Regulatory relief for credit unions; Credit union exemptions from the CFPB; Reforms to the structure of the CFPB and its powers; data and cyber security - creation of a national data security standard; Housing Finance Reform - ensuring that credit unions have unfettered access to the secondary mortgage market based on loan quality rather than quantity; Member Business Lending - raise the arbitrary cap, raise the de minimis exclusion; exempt loans to veterans from the definition of MBL, and exclude non-owner occupied, 1-4-family dwellings from the calculation of the cap on credit union member business loans (H.R. 389/S. 836); Capital Access for Small Businesses and Jobs Act (H.R. 1244); TRID Improvement Act (H.R. 5078/S. 2490); Bank Secrecy Act; FCC Oversight; Patent Reform - provide relief from practices of patent trolls; NFIP - National flood insurance program; The REINS Act (H.R. 26/S. 21); Regulatory Flexibility Act; Improve or require agency regulatory guidance; Financial CHOICE Act (H.R. 10); Community Financial Institution Exemption Act (H.R. 1264); Financial Services for the Underserved Act (H.R. 4665); Senior$afe Act (H.R. 3758/S. 223); Community Mortgage Lender Regulatory Act of 2017 (H.R. 1964); Securing Access to Affordable Mortgage Act of 2017 (H.R. 3221); Greater pre-emption authority for the NCUA; Mortgage Choice Act (H.R. 1153); Preserving Access to Manufactured Housing Act (H.R.1699/S. 1751); Consumer Financial Protection Board Act 2017 (S. 105); Financial Product Safety Commission Act of 2018 (H.R. 5266); TAILOR Act (H.R. 1116/S.366); CFPB Accountability Act of 2017 or the TABS Act of 2017 (H.R. 2553/S.387); Subject CFPB to Congressional appropriations process; Financial Institutions Examination Fairness and Reform Act (H.R. 4545/S. 2237); Expanding SBA business loan programs; Financial Institution Customer Protection Act (H.R. 2706); Financial services and general government appropriations bill; Home Mortgage Disclosure Adjustment Act (H.R. 2954/S. 1310); Home Mortgage Reporting Relief Act of 2017 (H.R. 4648); QM safe harbor for portfolio loans; Portfolio Lending and Mortgage Access Act (H.R. 2226/S. 2013); the Community Lending Enhancement and Regulatory Relief Act (H.R. 2133/S.1002); Common Sense Credit Union Capital Relief Act of 2017 (H.R. 4464); Risk-Based Capital; Common Sense Credit Union Capital Relief Act of 2018 (H.R. 5288); Credit Score Competition Act (H.R. 898/S. 1685); Community Institution Mortgage Relief Act of 2017 (H.R. 3971); Small Business 7(a) Lending Oversight Reform Act (H.R. 4743/S.2283); Business of Insurance Regulatory Reform Act of 2017 (H.R. 3746); Subject non-depository GLBA institutions to regular examinations; require credit reporting agencies to notify depository institutions when one of their accounts is breached; Protecting Americans from Credit Entanglements Act (H.R. 1958/S.838); Making Online Banking Initiation Legal and Easy Act of 2017 (H.R. 1457); Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155); Securing Access to Affordable Mortgages Act (H.R. 3221); Protecting Consumers' Access to Credit Act of 2017 (H.R. 3299); H.R. 4296 - related to operational risk capital requirements; Lawsuit abuse related to website access requirements under the Americans with Disabilities Act; the ADA Education and Reform Act of 2017 (H.R. 620); CFPB Examination and Reporting Threshold Act (H.R. 3072). NCUA - Voluntary mergers; reforms to credit union capital requirements; supplemental capital for credit unions; FOM improvements; FCU interest rate cap; asset securitization authority for credit unions; Call report modernization; NCUSIF issues including NOL ratio and equity distribution; short-term small dollar lending; de novo charter process, approvals, and flexibility; consistent examination expectations; Issuance of clear UDAAP expectations; Exam appeals process; Codify IRPS; Bylaws ANPR; Capital Planning and Supervisory Stress Testing; Accuracy of Advertising; support for NCUA Regulatory Reform Agenda; Extend examination cycle for low-risk, well-run credit unions greater than $1 billion in assets; CFPB - Use of Section 1022 exemption authority; rulemakings related to debt collection, overdraft, qualified mortgage, ATR, mortgage servicing, consumer complaint database (and consumer inquiry handling process), Home Mortgage Disclosure Act (HMDA) requirements and reporting thresholds, implementation and examination, prepaid accounts; Section 1071 small business data collection; remittances rule and review; Truth in Lending Act/Real Estate Settlement Procedures Act (TILA/RESPA); free access to credit scores for consumers; Amendments to TILA/RESPA Integrated Disclosure Rule (TRID); Dept. of Treasury - Executive Order implementation, streamlining CDFI certifications, CDFI and CDRLF funding; cybersecurity interagency coordination; Regulation of FinTech companies; Do not subject credit unions to the Community Reinvestment Act (CRA); FCC - TCPA reform and requirements, interpretations, and litigation, fighting robocalls; FHFA - chattel loans/duty to serve; GSEs use of alternative credit scores; Credit Risk Transfer transactions; implementation of the Common Securitization Platform (CSP) and Single Security; FHLB Capital Requirements; FHLB role in mortgage market; SBA - Expanding CU participation in SBA lending; Dept. of Defense - Military Lending Act (MLA) Final Rule changes, guidance and implementation; IRS - guidance related to the tax reform bill, including executive compensation excise tax; Dept. of Labor - Revocation of Fiduciary Duty rule and Overtime rule; Dept. of Justice - ADA standards and guidance related to website accessibility; FTC - frivolous demand letters in violation of the Federal Trade Commission Act; FinCEN - Burden related to Suspicious Activities Reports (SARs) required under the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules, raising the required SAR reporting threshold; combating financial crimes; Federal Reserve - Regulation CC; acceptance of electronically signed loans as pledged collateral; role in payments system; Electronic Signatures; NIST - framework for Improving Critical Infrastructure Cybersecurity; Dept. of VA - Allowable Charges and Fees Assessed Incident to VA-Guaranteed Home Loans; FFIEC - evolution of the Cybersecurity Assessment Tool (CAT); FASB - CECL Accounting Standard implementation; Involuntary Liquidation of FCUs and Claims Procedures; Modernizing data collection for supervision of credit unions; FHFA's Affordable Housing Program; IRS oversight of credit unions; FinCEN's Customer Due Diligence Rule; CFPB Civil Investigative Demands and Associated processes; CFPB's Rules of Practice for Adjudication Proceedings; Collection of Checks and other items by Federal Reserve Banks and Funds Transfers Through Fedwire; CFPB's Enforcement Processes; Federal Credit Union Bylaws; CFPB's Supervision Program; Proposed Suspension and Debarment Procedures; FY'19 FSGG Appropriations Bill; CFPB's RFI regarding external engagements; Regulatory Review; CFPB's Rulemaking Processes; the Give Useful Information to Define Effective Compliance Act (H.R. 5534); the Counter Terrorism and Illicit Finance Act (H.R. 6068); Regulatory Changes in Light of S. 2155; CFPB's Adopted Regulations and New Rulemakings Authorities; Volker Rule; Feedback regarding operating vision for the US Faster Payments Council; CFPB's Inherited Regulations and Inherited Rulemaking Authorities; Title VII of H.R. 5841; CFPB financial education programs; financial literacy; Payday Alternative Loans (PALs); privacy risks regarding data sharing and section 1033 of Dodd-Frank; Disparate Impact Standard; Identity Fraud; Variable Interest Rates; Glass-Steagall Act; Credit Bureaus and the Fair Credit Reporting Act; NDAA - bank operations on military bases; USPS banking services; H.R. 5036, the Financial Technology Protection Act; H.R. 6743 - the Consumer Information Notification Requirement Act.

Client expense: $590,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Institute of Standards & Technology (NIST), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Preserving the credit union tax exemption; Repeal of the Durbin Amendment on debit interchange; Regulatory relief for credit unions; Credit union exemptions from the CFPB; Reforms to the structure of the CFPB and its powers; data and cyber security - creation of a national data security standard; Housing Finance Reform - ensuring that credit unions have unfettered access to the secondary mortgage market based on loan quality rather than quantity; Member Business Lending - raise the arbitrary cap, raise the de minimis exclusion; exempt loans to veterans from the definition of MBL, and exclude non-owner occupied, 1-4-family dwellings from the calculation of the cap on credit union member business loans (H.R. 389/S. 836); Capital Access for Small Businesses and Jobs Act (H.R. 1244); TRID Improvement Act (H.R. 5078/S. 2490); Bank Secrecy Act; FCC Oversight; Patent Reform - provide relief from practices of patent trolls; NFIP - National flood insurance program; The REINS Act (H.R. 26/S. 21); Regulatory Flexibility Act; Improve or require agency regulatory guidance; Financial CHOICE Act (H.R. 10); Community Financial Institution Exemption Act (H.R. 1264); Financial Services for the Underserved Act (H.R. 4665); Senior$afe Act (H.R. 3758/S. 223); Community Mortgage Lender Regulatory Act of 2017 (H.R. 1964); Securing Access to Affordable Mortgage Act of 2017 (H.R. 3221); Greater pre-emption authority for the NCUA; Mortgage Choice Act (H.R. 1153); Preserving Access to Manufactured Housing Act (H.R.1699/S. 1751); Consumer Financial Protection Board Act 2017 (S. 105); Financial Product Safety Commission Act of 2018 (H.R. 5266); TAILOR Act (H.R. 1116/S.366); CFPB Accountability Act of 2017 or the TABS Act of 2017 (H.R. 2553/S.387); Subject CFPB to Congressional appropriations process; Financial Institutions Examination Fairness and Reform Act (H.R. 4545/S. 2237); Expanding SBA business loan programs; Financial Institution Customer Protection Act (H.R. 2706); Financial services and general government appropriations bill; Home Mortgage Disclosure Adjustment Act (H.R. 2954/S. 1310); Home Mortgage Reporting Relief Act of 2017 (H.R. 4648); QM safe harbor for portfolio loans; Portfolio Lending and Mortgage Access Act (H.R. 2226/S. 2013); the Community Lending Enhancement and Regulatory Relief Act (H.R. 2133/S.1002); Common Sense Credit Union Capital Relief Act of 2017 (H.R. 4464); Risk-Based Capital; Common Sense Credit Union Capital Relief Act of 2018 (H.R. 5288); Credit Score Competition Act (H.R. 898/S. 1685); Community Institution Mortgage Relief Act of 2017 (H.R. 3971); Small Business 7(a) Lending Oversight Reform Act (H.R. 4743/S.2283); Business of Insurance Regulatory Reform Act of 2017 (H.R. 3746); Subject non-depository GLBA institutions to regular examinations; require credit reporting agencies to notify depository institutions when one of their accounts is breached; Protecting Americans from Credit Entanglements Act (H.R. 1958/S.838); Making Online Banking Initiation Legal and Easy Act of 2017 (H.R. 1457); Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155); Securing Access to Affordable Mortgages Act (H.R. 3221); Protecting Consumers' Access to Credit Act of 2017 (H.R. 3299); H.R. 4296 - related to operational risk capital requirements; Lawsuit abuse related to website access requirements under the Americans with Disabilities Act; the ADA Education and Reform Act of 2017 (H.R. 620); CFPB Examination and Reporting Threshold Act (H.R. 3072). NCUA - Voluntary mergers; reforms to credit union capital requirements; supplemental capital for credit unions; FOM improvements; FCU interest rate cap; asset securitization authority for credit unions; Call report modernization; NCUSIF issues including NOL ratio and equity distribution; short-term small dollar lending; de novo charter process, approvals, and flexibility; consistent examination expectations; Issuance of clear UDAAP expectations; Exam appeals process; Codify IRPS; Bylaws ANPR; Capital Planning and Supervisory Stress Testing; Accuracy of Advertising; support for NCUA Regulatory Reform Agenda; Extend examination cycle for low-risk, well-run credit unions greater than $1 billion in assets; CFPB - Use of Section 1022 exemption authority; rulemakings related to debt collection, overdraft, qualified mortgage, ATR, mortgage servicing, consumer complaint database (and consumer inquiry handling process), Home Mortgage Disclosure Act (HMDA) requirements and reporting thresholds, implementation and examination, prepaid accounts; Section 1071 small business data collection; remittances rule and review; Truth in Lending Act/Real Estate Settlement Procedures Act (TILA/RESPA); free access to credit scores for consumers; Amendments to TILA/RESPA Integrated Disclosure Rule (TRID); Dept. of Treasury - Executive Order implementation, streamlining CDFI certifications, CDFI and CDRLF funding; cybersecurity interagency coordination; Regulation of FinTech companies; Do not subject credit unions to the Community Reinvestment Act (CRA); FCC - TCPA reform and requirements, interpretations, and litigation, fighting robocalls; FHFA - chattel loans/duty to serve; GSEs use of alternative credit scores; Credit Risk Transfer transactions; implementation of the Common Securitization Platform (CSP) and Single Security; FHLB Capital Requirements; FHLB role in mortgage market; SBA - Expanding CU participation in SBA lending; Dept. of Defense - Military Lending Act (MLA) Final Rule changes, guidance and implementation; IRS - guidance related to the tax reform bill, including executive compensation excise tax; Dept. of Labor - Revocation of Fiduciary Duty rule and Overtime rule; Dept. of Justice - ADA standards and guidance related to website accessibility; FTC - frivolous demand letters in violation of the Federal Trade Commission Act; FinCEN - Burden related to Suspicious Activities Reports (SARs) required under the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules, raising the required SAR reporting threshold; combating financial crimes; Federal Reserve - Regulation CC; acceptance of electronically signed loans as pledged collateral; role in payments system; Electronic Signatures; NIST - framework for Improving Critical Infrastructure Cybersecurity; Dept. of VA - Allowable Charges and Fees Assessed Incident to VA-Guaranteed Home Loans; FFIEC - evolution of the Cybersecurity Assessment Tool (CAT); FASB - CECL Accounting Standard implementation; Involuntary Liquidation of FCUs and Claims Procedures; Modernizing data collection for supervision of credit unions; FHFA's Affordable Housing Program; IRS oversight of credit unions; FinCEN's Customer Due Diligence Rule; CFPB Civil Investigative Demands and Associated processes; CFPB's Rules of Practice for Adjudication Proceedings; Collection of Checks and other items by Federal Reserve Banks and Funds Transfers Through Fedwire; CFPB's Enforcement Processes; Federal Credit Union Bylaws; CFPB's Supervision Program; Proposed Suspension and Debarment Procedures; FY'19 FSGG Appropriations Bill; CFPB's RFI regarding external engagements; Regulatory Review; CFPB's Rulemaking Processes; the Give Useful Information to Define Effective Compliance Act (H.R. 5534); the Counter Terrorism and Illicit Finance Act (H.R. 6068); Regulatory Changes in Light of S. 2155; CFPB's Adopted Regulations and New Rulemakings Authorities; Volker Rule; Feedback regarding operating vision for the US Faster Payments Council; CFPB's Inherited Regulations and Inherited Rulemaking Authorities; Title VII of H.R. 5841; CFPB financial education programs; financial literacy; Payday Alternative Loans (PALs); privacy risks regarding data sharing and section 1033 of Dodd-Frank; Disparate Impact Standard; Identity Fraud; Variable Interest Rates; Glass-Steagall Act; Credit Bureaus and the Fair Credit Reporting Act; NDAA - bank operations on military bases; USPS banking services; H.R. 5036, the Financial Technology Protection Act; H.R. 6743 - the Consumer Information Notification Requirement Act.

Client expense: $590,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Institute of Standards & Technology (NIST), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office

Public Law 111-203, H.R. 4173 - Dodd-Frank Wall Street Reform and Consumer Protection Act. Issue: Implementation and Regulatory reform. Captive Reinsurance Transactions, Insurance Capital Standards and Global Capital Standards. Roles of federal and state agencies at the International Association of Insurance Supervisors and the Financial Stability Board. Implementation of S. 2270 - Insurance Capital Standards Clarification Act of 2014. The bill would give the Federal Reserve the authority to tailor capital standards for insurance companies subject to Fed supervision. Issue: Capital Standards, Basel III S. 223/H.R. 3758 - Senior$afe Act of 2017. This bill will provide immunity from suit for certain individuals who disclose potential examples of financial exploitation of senior citizens. Issue: protecting seniors financial security. S. 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act. Issue: Implementation and regulatory reform of the financial services industry. S. 488 JOBS and Investor Confidence Act of 2018. Issue: Implementation and regulatory reform of the financial services industry. H.R. 10 -- Financial CHOICE Act. Issue: Implementation and regulatory reform of the financial services industry. H.R. 3110/S. 1463 - A bill to amend the Financial Stability Act of 2010 to modify the term of the independent member of the Financial Stability Oversight Council. Issue: Dodd-Frank Act reform. S. 1360 - International Insurance Capital Standards Accountability Act of 2017. Issue: international insurance standards. H.R. 3762 - International Insurance Standards Act of 2017. Issue: international insurance standards. H.R. 4537 - International Insurance Standards Act of 2017. Issue: international insurance standards. H.R. 3857 - Protecting Advice for Small Savers (PASS) Act of 2017. Issue: Establishing a best interest standard for financial advisors and fiduciary rule. H.R. 3861 - Federal Insurance Office Reform Act of 2017. Issue: FIO reform. H.R. 4483 - Federal Insurance Office Abolishment Act of 2017. Issue: FIO reform. H.R. 5323 - Derivatives Fairness Act. Issue: establish an exemption from the credit valuation adjustment calculation for uncleared derivatives transactions with end-users. H.R. 1625 - Consolidated Appropriations Act of 2018. Issue: postal reform. H.R.___/S.___ - Financial Services and General Government Appropriations Act. Making appropriations for financial services and general government for the fiscal year ending September 30, 2019, and for other purposes. Issue: Global insurance standards; SIFI de-risking. H.R.__ - Draft legislation regarding the designations or titles of financial professionals. Issue: Unclaimed life insurance products. No bill number assigned. Issue: Covered agreement on prudential measures with respect to the business of insurance and reinsurance. No bill number assigned. Issue: Whole or universal life insurance premiums. Issue: Swap margin rule. The rule establishes margin requirements for swaps not cleared through a clearinghouse. No bill number assigned. Tracking: H.R. 985 - Fairness in Class Action Litigation and Furthering Asbestos Claim Transparency Act of 2017. The bill would amend the procedures used in Federal court class actions and multidistrict litigation proceedings to assure fairer, more efficient outcomes for claimants and defendants. Issue: tort reform. H.R. 756 - Postal Service Reform Act of 2017. This bill would restore the financial solvency and improve the governance of the U.S. Postal Service in order to ensure the efficient and affordable nationwide delivery of mail. Issue: postal reform. H.R. 1303/S. 180 - H-1B and L-1 Visa Reform Act of 2017. This bill would amend the Immigration and Nationality Act to reform and reduce fraud and abuse in certain visa programs for aliens working temporarily in the U.S. Issue: immigration reform. H.R. 1226/S. 447 - Justice for Uncompensated Survivors Today (JUST) Act of 2017. This bill would require reporting on acts of certain foreign countries on Holocaust era assets and related issues. Issue: Holocaust era insurance claims. H.R. 762/S.258 - Holocaust Insurance Accountability Act of 2017. This bill would provide for the restoration of legal rights for claimants under holocaust-era insurance policies.

Client expense: $824,400 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Proposals related to retirement plans for small business. Proposals to reform the multiple employer plan rules, including H.R. 854, Retirement Security for American Workers Act. Guidance related to nondiscrimination rules for defined contribution plan annuity investment products. Issues related to tax incentives for retirement savings. Issues related to income investment options. Proposals related to electronic disclosure, including H.R. 4610, the RETIRE Act. Plan consolidation. Proposals to amend the Internal Revenue Code and ERISA to avoid duplicative annual reporting, including H.R. 1688 and S. 695. S. 223, Senior $afe Act. H.R. 3910, to make lifetime income and managed account options of defined contribution retirement savings plans portable. H.R. 4524, the Retirement Plan Simplification and Enhancement Act. H.R. 4604, Increasing Access to a Secure Retirement Act. S. 2526/H.R. 5282, Retirement Enhancement and Savings Act. Proposals related to Rothification. H.R. 6757, Family Savings Act. Executive Order 13847, Strengthening Retirement Security in America.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to expanding retirement coverage and adequacy, facilitating retirement income, and increasing retirement security. Issues related to qualifying longevity annuity contracts. Issues related to state law preemption. Proposals to reform the multiple employer plan rules including H.R. 854, Retirement Security for American Workers Act. Proposals related to environmental, social, and governance criteria. Kids Savings Accounts. H.R. 3910, to amend the Internal Revenue Code of 1986 to make lifetime income and managed account options of defined contribution retirement savings plans portable. S. 223, Senior$afe Act. H.R. 4523, the Automatic Retirement Plan Act. H.R. 4524, the Retirement Plan Simplification and Enhancement Act. S. 2526/H.R. 5282, Retirement Enhancement and Savings Act. 403(b) investments. Annuity defaults. H.R. 6757, Family Savings Act. Executive Order 13847, Strengthening Retirement Security in America.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to expanding retirement coverage and adequacy, facilitating retirement income, and increasing retirement security. Issues related to qualifying longevity annuity contracts. Issues related to state law preemption. Proposals to reform the multiple employer plan rules including H.R. 854, Retirement Security for American Workers Act. Proposals related to environmental, social, and governance criteria. Kids Savings Accounts. H.R. 3910, to amend the Internal Revenue Code of 1986 to make lifetime income and managed account options of defined contribution retirement savings plans portable. S. 223, Senior$afe Act. H.R. 4523, the Automatic Retirement Plan Act. H.R. 4524, the Retirement Plan Simplification and Enhancement Act. S. 2526/H.R. 5282, Retirement Enhancement and Savings Act. 403(b) investments. Annuity defaults. H.R. 6757, Family Savings Act. Executive Order 13847, Strengthening Retirement Security in America.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Work with respect to proposals to enhance retirement savings opportunities for employers, employees, and individuals, including self correcting inadvertent plan errors. S. 223, Senior$afe Act. Small business tax credit. Issues related to the Department of Labor's regulation defining fiduciary. H.R. 3902, Small Employer Retirement Savings Auto-Enrollment Credit Act. SIMPLE IRAs. H.R. 4524, the Retirement Plan Simplification and Enhancement Act. S. 2526/H.R. 5282, Retirement Enhancement and Savings Act. Required minimum distribution issues. H.R. 6757, Family Savings Act.

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Proposals related to limited partnerships. Proposals related to small business retirement issues. S. 223, Senior$afe Act. SIMPLE IRAs. S. 2526/H.R. 5282, Retirement Enhancement and Savings Act. Issues related to Internal Revenue Code Section 199A. Required minimum distribution issues. H.R. 6757, Family Savings Act.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to the effect of the Department of Labor's fiduciary regulation and coordination with possible SEC action on broker/dealer standard of care. Proposals related to small business retirement issues. S. 223, Senior$afe Act. SIMPLE IRAs. Issues relating to expanding retirement coverage and increasing retirement security. S. 2526/H.R. 5282, Retirement Enhancement and Savings Act. Required minimum distributions issues. H.R. 6757, Family Savings Act.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 1083 - American Savings Account Act of 2017; entire bill H.R. 2030 - Savings Enhancement by Alleviating Leakage in 401(k) Savings (SEAL) Act; entire bill H.R. 2823 - Affordable Retirement Advice for Savers Act; entire bill H.R. 3758 - Senior $afe Act of 2017; entire bill H.R. 3857 - Protecting Advice for Small Savers Act of 2017 or PASS Act of 2017; entire bill H.R. 4523 - Automatic Retirement Plan Act of 2017; entire bill H.R. 4524 - Retirement Plan Simplification and Enhancement Act of 2017; entire bill H.R. 4604 - Increasing Access to a Secure Retirement Act of 2017; entire bill H.R. 4610 - Receiving Electronic Statements to Improve Retiree Earnings Act; entire bill H.R. 4637 - Small Businesses Add Value for Employees Act of 2017 or SAVE Act; entire bill H.R. 4997 - Giving Retirement Options to Workers Act of 2018 or the GROW Act; entire bill H.R. 5282 - the Retirement Enhancement and Savings Act (RESA); entire bill S. 223 - Senior $afe Act of 2017; entire bill S. 940 - Shrinking Emergency Account Losses (SEAL) Act of 2017; entire bill S. 1035 - Preserve Rights Of States and Political Subdivisions to Encourage Retirement Savings Act (PROSPERS Act); entire bill S. 1321 - Affordable Retirement Advice Protection Act; entire bill S. 1379 - Graduate Student Savings Act of 2017; entire bill S. 1383 - Retirement Security Act of 2017; entire bill S. 1861 - Automatic IRA Act of 2017; entire bill S. 2526 - Retirement Enhancement and Savings Act of 2018; entire bill S. 2753 - Commission on Retirement Security Act of 2018; entire bill Not Yet Introduced: Savings Accounts legislation (Rep. Himes, Sen. Klobuchar)

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 223/H.R. 3758 (Senior$afe Act of 2017); provides immunity from suit for certain individuals who disclose potential examples of financial exploitation of senior citizens. H.R. 10 (Financial CHOICE Act of 2017); converts the Consumer Financial Protection Bureau into a consumer law enforcement agency, subjects the agency to the congressional appropriations process, expanded judicial review, and additional congressional oversight, eliminates supervisory authority over financial institutions; and limits the agency's authority to take action against entities for abusive practices. H.R. 3911 (Risk-Based Credit Examination Act); amends the Securities Exchange Act of 1934 with respect to risk-based examinations of Nationally Recognized Statistical Rating Organizations. S. 1321/H.R. 2823 (Affordable Retirement Advice for Savers Act); amends the Employee Retirement Income Security Act of 1974 and the Internal Revenue Code of 198 to repeal the Fiduciary Definition rulemaking. S. 370/S. 1804 (Repeal CFPB Act); eliminates the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. H.R. 3118/H.R. 1031; repeals the Consumer Financial Protection Act of 2010, which established the Consumer Financial Protection Bureau. H.J Res. 111; Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S.J.Res.47; A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements." S. 2155 (Economic Growth, Regulatory Relief, and Consumer Protection Act); amends current banking and financial regulation laws. H.R. 5037 (Securities Fraud Act of 2018); provides exclusive Federal jurisdiction over civil securities fraud actions, preempting state law and regulation. General lobbying with regard to the Department of Labors conflict of interest rule. General lobbying with regard to the Department of Labors fiduciary rule. General lobbying with regard to the SEC fiduciary standard review. General lobbying on issues related to shareholder arbitration.

Client expense: $1,430,000 · Firm income: Not reported

Government targets: Centers For Medicare and Medicaid Services (CMS), HOUSE OF REPRESENTATIVES, SENATE

Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organizations Issues related to vacancies on the National Credit Union Administration (NCUA) Board Issues related to NCUAs low income designation regulations Issues related to NCUA examination procedures Issues related to NCUAs regulation regarding its regulatory flexibility program Issues related to NCUAs proposed rule regarding emergency liquidity Issues related to NCUAs rulemaking process Issues related to NCUAs risk-based capital rule Issues related to NCUAs Advanced Notice of Proposed Rulemaking on Alternative Capital Issues related to NCUAs rule on securitization Issues related to NCUAs regulatory review process Issues related to NCUAs rule on Member Business Lending Issues related to Federal Credit Union bylaws Issues relating to home-based credit unions Issues related to credit union loan maturity restrictions Issues related to credit union investment authority Issues related to Regulation of Federal Credit Union by-laws Issues related to credit unions incidental powers Issues related to credit unions ability to offer prepaid cards Issues related to credit union service to marijuana businesses Issues related to material loss reports of the NCUA Office of Inspector General Issues related to the regulation of corporate credit unions Issues related to 1-4 Family Non-Owner Occupied Residential Loan Treatment as Residential Rather than Business Loans Issues related to the use of Eminent Domain to Seize Performing Mortgage Loans Issues related to fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to premium assessments by the National Credit Union Share Insurance, NCUA Issues related to NCUAs Corporate Credit Union Stabilization Plan Issues related to NCUAs budget and the overhead transfer rate Issues related to Credit Union Service Organizations (CUSO) Issues related to the authority of the CFPB to exempt credit unions from its rulemaking Issues related to the CFPB rule to remittances and international wire transfers Issues related to CFPBs Leadership Structure and Installing a Board Rather than Director Issues related to funding the CFPB through the Appropriations Process Issues related to increasing the CFPB Supervisory Threshold Issues related to conducting a cost-benefit analysis of all CFPB Proposals Issues related to codifying the CFPBs Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings Issues related to standardizing the definition of mortgage originator Issues related to overdraft protection and check ordering practices Issues related to mortgage servicing Issues related to mortgage loan originator compensation and qualifications Issues related to high-cost mortgage loans (HOEPA) Issues related to the CFPBs rule regarding qualified mortgage / ability to repay Issues related to reverse mortgages Issues related to the CFPBs regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPBs regulation on Truth-in-Lending Act / Real Estate Settlement Procedures Act Integrated Disclosures Issues related to the payday, vehicle title, and similar lending Issues related to short term lending products and advance deposit products Issues related to the CFPBs consumer complaint database Issues related to the Department of Justices investigation entitled, Operation Choke Point Issues related to the Department of Defense proposal regarding Credit Extending to Service Members under MLA Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the United States Postal Service Office of Inspector General report related to role of the postal service in financial services Issues related to the CFPB's proposal on arbitration Issues related to the Financial Accounting Standards Board (FASB) Issues related to mark-to-market accounting Issues related to private equity standards Issues related to data and cyber security Issues related to mobile banking and mobile payments Issues related to identity theft and fraud reduction Issues related to secure payments Issues related to merchant data breaches Issues related to the payments system Issues related to Federal Reserve Regulatory D Issues related to the Feds implementation of same-day ACH Issues related to the Bank Secrecy Act and Currency Transaction Reporting Requirements Issues related to the oversight of the Federal Housing Administration Issues related to USDA Rural Development Loan program Issues related to the Federal Home Loan Bank System Issues related to Fannie Mae capital Issues related to membership eligibility in the Federal Home Loan Bank System Issues related to financial literacy Issues related to Housing Finance Reform Issues related to student lending Issues related to the Economic Growth and Regulatory Paperwork Reduction Act process Issues related to retirement security Issues related to flood insurance Issues related to consumers access to records Issues related to economic growth Issues related to the National Credit Union Administration's Advance Notice of Proposed Rulemaking for Supplemental Capital Issues related to Interchange Fees Issues related to the funding of the National Credit Union Administration Issues related to the consumer notification of privacy standards Issues related to the Equal Credit Opportunity Act Issues related to the Fair Housing Act Issues related to the merger of credit unions Issues related to the Real Estate Settlement Procedures Act Issues related to the transfer of leadership at the Consumer Financial Protection Bureau Issues related to Community Reinvestment Act Issues related to Regulation Z Issues related to Military Lending Act Issues related to Financial Technology Issues related to Small Business Lending Data collection requirements Issues related to Involuntary liquidation of Federal Credit Unions and Claims procedures Issues related to Web-Based Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms H.J. Res 111, a resolution providing for congressional disapproval under chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" H.R. 10, the Financial CHOICE Act H.R. 26, the Regulations in Need of Scrutiny Act, all provisions H.R. 389, the Credit Union Residential Loan Parity Act, all provisions H.R. 924, the Financial Institutions Due Process Act H.R. 1116, the Taking Account of Institutions with Low Operation Risk Act (TAILOR), all provisions H.R. 1153, the Mortgage Choice Act of 2017, all provisions H.R. 1244, the Capital Access for Small Businesses and Jobs Act, all provisions H.R. 1264, the Community Financial Institution Exemption Act, all provisions H.R. 1457, the MOBILE Act, all provisions H.R. 1585, the Mutual Bank Capital Opportunity Act, all provisions H.R. 1958, the Protections Affordable Coverage for Employees (PACE) Act, all provisions H.R. 2054, Protecting Americans from Credit Entanglements Act of 2017 H.R. 2133, the Community Lending Enhancement and Regulatory Relief Act, all provisions H.R. 2204, the Homeowner Information Privacy Protection Act, all provisions H.R. 2226, the Portfolio Lending and Mortgage Access Act, all provisions H.R. 2359, Fair Credit Reporting Act Liability Harmonization H.R. 2396, the Privacy Notification Technical Correction Act H.R. 2706, the Financial Institution Customer Protection Act, all provisions H.R. 2954, the Home Mortgage Disclosure Adjustment Act H.R. 3072, the Bureau of Consumer Financial Protection Examination and Reporting Threshold, all provisions H.R. 3089, the Corporate Transparency Act H.R. 3221, the Securing Access to Affordable Mortgages Act, all provisions H.R. 3299, the Protecting Consumers Access to Credit Act of 2017, all provisions H.R. 3746, the Business of Insurance Regulatory Reform Act of 2017 H.R. 3758, the Senior Safe Act of 2017 H.R. 3857, the PASS: Protecting Advice for Small Savers Act, all provisions H.R. 3866, to amend the Federal Credit Union Act to exclude extensions of credit made to veterans from the definition of a member business loan, all provisions H.R. 3911, the Risk-Based Credit Examination Act, all provisions H.R. 3971, the Community Institution Mortgage Relief Act of 2017 H.R. 3978, To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes H.R. 4464, the Common Sense Credit Union Capital Relief Act of 2017, all provisions H.R. 4545, the Financial Institutions Examination Fairness and Reform Act, all provisions H.R. 4607, the Comprehensive Regulatory Review Act, all provisions H.R. 4648, the Home Mortgage Reporting Relief Act of 2017, all provisions H.R. 5078, the TRID Improvement Act of 2018, all provisions H.R. 5266, the Financial Product Safety Commission Act of 2018, all provisions H.R. 5288, the Common Sense Credit Union Capital Relief Act of 2018, all provisions S.J. Res. 47, a resolution providing for congressional disapproval under Chapter 8 title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Arbitration Agreements" S. 21, the Regulations in Need of Scrutiny Act, all provisions S. 223, the Senior $afe Act, all provisions S. 366, the Taking Account of Institutions with Low Operation Risk (TAILOR) Act, all provisions S. 836, the Credit Union Residential Loan Parity Act, all provisions S. 838, the Protecting Affordable Coverage for Employees (PACE) Act, all provisions S. 869, Protecting Americans from Credit Entanglements Act of 2017 S. 1002, CLEAR Relief Act of 2017, all provisions S. 1310, Home Mortgage Disclosure Adjustment Act S. 1579, the Bureau of Consumer Financial Protection Advisory Board Enhancement Act S. 2155, Economic Growth, Regulatory Relief, and Consumer protection Act, all provisions S. 2237, the Financial Institution Examination Fairness Reform Act, all provisions S.J.Res. 19, A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act, all provisions Legislation contemplated by House Financial Services Committee Chairman Jeb Hensarling entitled the Financial Creating Hope and Opportunity for Investors, Consumer and Entrepreneurs (CHOICE) Act, provisions impacting credit unions, the National Credit Union Administration and the Consumer Financial Protection Bureau.

Client expense: $1,070,000 · Firm income: Not reported

Government targets: Agriculture, Dept of (USDA), Consumer Financial Protection Bureau (CFPB), Executive Office of the President (EOP), Federal Communications Commission (FCC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)

No Bill Number: Issues related to retirement savings S. 2526: Retirement Enhancement and Savings Act S. 3471 (114th): Retirement Enhancement and Savings Act of 2016 H.R. 5282: Retirement Enhancement and Savings Act H.R. 1625: Consolidated Appropriations Act, 2018 H.R. 4604: Increasing Access to a Secure Retirement Act H.R. 6396 (114th): Retirement Security for American Workers Act H.R. 2055: Lifetime Income Disclosure Act H.R. 4610: Receiving Electronic Statements to Improve Retiree Earnings Act H.R. 4637: SAVE Act No Bill Number: Issues related to senior financial protection No Bill Number: Issues related to SEC Standard of Care for Broker Dealers and Investment Advisers S. 223: Senior$afe Act of 2017 H.R. 3857: Protecting Advice for Small Savers (PASS) Act of 2017 H.R. 854: the Retirement Security for American Workers Act H.R. 4604: the Increasing Access to a Secure Retirement Act

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

Government targets: Commerce, Dept of (DOC), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, U.S. Trade Representative (USTR)

S. 223, H.R. 3758 - SeniorSafe Act of 2017 H.R. 78 - SEC Regulatory Accountability Act H.R. 5282, S. 2526 - Retirement Enhancement and Savings Act H.R. 854, S. 1383 - Multiple Small Employer Plans - issues relating to MEPs/MSEPs S. 868, H.R. 2055 - Lifetime Income Disclosure & Regulatory Issues - all provisions H.R. 3499 - Automatic IRA - all Provisions H.R. 4523 - Automatic Retirement Plan Act of 2017 No Bill # - Proposed DOL Fiduciary Regulations - all provisions H.R. 4524 - Retirement Plan Simplification and Enhancement Act of 2017 H.R. 2823 - Affordable Retirement Advice for Savers Act H.R. 3910 - To amend the IRS Code of 1986 to make lifetime income and managed accounts options of defined contribution retirement savings plans portable No Bill # - GMWB Interpretive Issues in terms of possible guidance H.R. 4610 - Electronic Disclosure - ERISA/Internal Revenue Code - issues/provisions relating to the use of electronic disclosure by employee benefit plans H.R. 4604, H.R. 4637, H.R. 4524 - Issues relating to Annuity Selection Safe Harbor H.R. 355 - Protecting American Families' Retirement Advice Act No Bill # - General Account Legislative Fix No Bill # - Portable Retirement Accounts Legislation No Bill # - Qualified Professional Asset Manager (OPAM) Exception Amendment

Client expense: $1,790,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Federal Highway Administration (FHA), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

HJRes 111 - CFPB Arbitration Rule HJRes 62 - CFPB Prepaid Rule HJRes 73 - CFPB Prepaid Rule HR 10 - The Financial CHOICE Act of 2017 HR 1116 - Tipton - TAILOR Act HR 1153 - Mortgage Choice Act of 2017 HR 1457 - MOBILE Act of 2017 HR 2133 - CLEARR Act of 2017 HR 2148 - Pittenger - HVCRE clarifications HR 238 - Commodity End-User Relief Act HR 3280 - House FSGG Appropriations 2018 HR 3299 - McHenry - Valid When Made Bill HR 3312 - Luetkemeyer - SIFI Threshold Bill HR 3857 - Wagner - PASS Act (DOL Fiduciary repeal and replace bill) HR 3860 - IRS Tax Transcript Access HR1813 - Border Wall Funding Act of 2017 S. 1002 - CLEAR Act S. 105 - Consumer Financial Protection Board Act of 2017 S. 223 - Senior$afe Act of 2017 S. 366 - TAILOR Act of 2017 SJRes 19 - CFPB Prepaid Rule SJRes 47 - CFPB Arbitration Rule S. 1893 - Bank SIFI Threshold S. 2155 - Economic Growth, Regulatory Relief, and Consumer Protection Act H.J.Res.122 - Resolution of Disapproval CFPB Payday Lending Rule HR 1 - Tax Cuts and Jobs Act H.R. 2148 - Clarifying Commercial Real Estate Loans S. 2405 - Clarifying Commercial Real Estate Loans S. 2498, the Protecting Children From Identity Theft Act H.R. 5192, the Protecting Children From Identity Theft Act H.R. 5266 - CFPB Commission HR 3354 / HR 238 - Interaffilite Swap Provisions S. 1642 - Valid When Made S. 1958 - Tax Transcripts S. 2854 - The MOBILE Act HR 6068 - BSA/AML Reform HR 4790 - Volcker Harmonization S. 2098 - FIRRMA HR 6258 / S. 3107 - FSGG Appropriations 2019 (swaps & Volcker issues) H.R.5961 Agriculture Appropriations Act, 2019 HR 6158 - Brokered Deposits

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

Government targets: Commerce, Dept of (DOC), Consumer Financial Protection Bureau (CFPB), Federal Reserve System, HOUSE OF REPRESENTATIVES, Natl Economic Council (NEC), SENATE, Treasury, Dept of

Issues relating to: Reforms to Dodd-Frank Act; S.223, SeniorSafe Act; Fintech Policy; Government Sponsored Enterprise (GSE) Reform; H.R. 1457, Making Online Banking Initiation Legal and Easy Act of 2017 (MOBILE Act); S.J.Res 19, and H.J.Res 73,Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to prepaid accounts under the Electronic Fund Transfer Act and the Truth in Lending Act"; H.R. 3299, Protecting Consumers Access to Credit Act of 2017; H.R. 3312, Systemic Risk Designation Improvement Act of 2017; and H.R. 3758, Senior Safe Act of 2017; Matters related to Interaffiliate Margin treatment; H.R. 3857, S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act; Synthetic identify fraud; Bank Secrecy Act reform; Matters related to data breaches and data security; H.R. 4292 Financial Institutions Living Will Improvement Act of 2017; H.R. 2319, Consumer Financial Choice and Capital Markets Protection Act of 2017; H.R. 4061, Financial Stability Oversight Council Improvement Act of 2017; H.R. 1625,Consolidated Appropriations Act, 2018 and H.R. 5323, Derivatives Fairness Act; and H.R. 4790 Volcker Rule, Regulatory Harmonization Act

Client expense: $750,000 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Natl Economic Council (NEC), SENATE, Treasury, Dept of, White House Office

Financial regulatory reform issues including implementation of PL 111-203 Dodd-Frank Wall Street Reform and Consumer Protection Act. HR 3857 Protecting Advice for Small Savers (PASS) Act of 2017. Issue: establishing a best interest standard for financial advisors and fiduciary rule. HR 10 Financial CHOICE Act. Issue: implementation and regulatory reform of the financial services industry. HR 3861 Federal Insurance Office Reform Act of 2017. Issue: FIO reform. S 223 / HR 3758 Senior$afe Act of 2017. Issue: protecting seniors' financial security. S 2155 Economic Growth, Regulatory Relief and Consumer Protection Act. Issue: Regulatory reform. PL 115-61. FSOC Insurance Member Continuity Act. Draft legislation establishing a best interest standard for financial advisers. Issue: fiduciary rule.

Client expense: $730,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of

S 1360/HR 4537 International Insurance Standards, covered agreements authority, and implementation of the covered agreement. HR 3861 FIO Reform, covered agreements authority, and implementation of the covered agreement. HR 3746/S 2702 Business of Insurance Regulatory Reform S 223/HR 3758 Senior Safe Act S 2155 Economic Growth, Regulatory Relief, and Consumer Protection Act; including provisions relating to international insurance standards, systemic designations, and senior investor protection. H.R. 5059 State Insurance Regulation Preservation Act addressing Federal Reserve Board supervision of insurance companies. H.R. 5666/S. 3177 Primary Regulators of Insurance Vote Act of 2018 Financial Services and General Government Appropriations Act. Making appropriations for financial services and general government for the fiscal year ending September 30, 2018, and for other purposes. Issue: Global insurance standards; SIFI de-risking.

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

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Treasury, Dept of

Retirement Security as in the following bills: - Senior$afe Act of 2017 (S.223, H.R.3758) - Lifetime Income Disclosure Act (S.868, H.R.2055) - Graduate Student Savings Act (S.1379, H.R.3136) - Savings Enhancement by Alleviating Leakage in 401(k) Savings Act (H.R.2030, S.940, H.R.1, S.1) - Retirement Plan Simplification and Enhancement Act (H.R.4524) - Receiving Electronic Statements to Improve Retiree Earnings Act (H.R.4610) - Small Businesses Add Value for Employees Act (SAVE Act) (H.R.4637) - Increasing Access to a Secure Retirement Act of 2017 Bill Text (H.R.4604) - Automatic Retirement Plan Act of 2017 (H.R.4523) - Portability of Lifetime Income and Managed Account Options (H.R.3910) - Retirement Security for American Workers Act (H.R.854) - Retirement Security Act of 2017 (S.1383) - Retirement Enhancement and Savings Act (S.2526, H.R.5282) DOL & SEC Fiduciary Proposals Providing Lifetime Income Illustrations on Retirement Benefit Statements Defined Contribution Retirement Plan Design and Modernization Fiduciary Concerns Related to Advice and Education in Retirement Plans Stretch IRA Electronic Delivery of Plan Documents Tax Reform Preserving Tax-Deferred Treatment of Defined Contribution Plans Preserving the Structure of the Defined Contribution System (Retirement Plan Consolidation) Qualified Default Investment Alternatives (QDIA) Safe Harbor for Plan Sponsors Selecting Annuity Providers on Plan Menus Portability of Annuities in Defined Contribution Plans Automatic IRA/401(k) Retirement Plans Collective Investment Trusts in 403(b) Plans

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

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

Discussed support for the DOL Fiduciary rule and discussed SEC proposed best interest standard. Sent a letter to the SEC in support of a uniform standard that would apply to both broker-dealers and investment advisers when providing personalized investment advice to retail customers. Sent letter in response to and in support of the Consumer Financial Protection Bureaus (CFPB) Request for Information (RFIs) on its public database for Consumer Complaint Reporting. H.R. 6258/S. 3107, Financial Services & General Government Appropriations bill for FY 2018 - Lobbied in opposition to inclusion of hostile riders concerning SEC and DOL fiduciary duty rules with House and Senate Appropriations Committee staff. S. 223/H.R. 3758, Senior Safe Act - Discussed support for the bill. Discussed senior financial fraud (no bill).

Client expense: $2,220,000 · Firm income: Not reported

Government targets: Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Consumer Financial Protection Bureau (CFPB), Federal Communications Commission (FCC), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Housing & Urban Development, Dept of (HUD), Natl Highway Traffic Safety Administration (NHTSA), Office of Management & Budget (OMB), SENATE, Securities & Exchange Commission (SEC), Social Security Administration (SSA), U.S. Trade Representative (USTR), Veterans Affairs, Dept of (VA), White House Office

Preserving the credit union tax exemption; Repeal of the Durbin Amendment on debit interchange; Regulatory relief for credit unions; Credit union exemptions from the CFPB; Reforms to the structure of the CFPB and its powers; data and cyber security - creation of a national data security standard; Housing Finance Reform - ensuring that credit unions have unfettered access to the secondary mortgage market based on loan quality rather than quantity; Member Business Lending - raise the arbitrary cap, raise the de minimis exclusion; exempt loans to veterans from the definition of MBL, and exclude non-owner occupied, 1-4-family dwellings from the calculation of the cap on credit union member business loans (H.R. 389/S. 836); Capital Access for Small Businesses and Jobs Act (H.R. 1244); TRID Improvement Act (H.R. 5078/S. 2490); Bank Secrecy Act amendments; FCC Oversight; Patent Reform - provide relief from practices of patent trolls; NFIP - National flood insurance program reauthorization; The REINS Act (H.R. 26/S. 21); Regulatory Flexibility Act; Improve or require agency regulatory guidance; Financial CHOICE Act (H.R. 10); Community Financial Institution Exemption Act (H.R. 1264); Financial Services for the Underserved Act (H.R. 4665); Senior$afe Act (H.R. 3758/S. 223); Community Mortgage Lender Regulatory Act of 2017 (H.R. 1964); Securing Access to Affordable Mortgage Act of 2017 (H.R. 3221); Greater pre-emption authority for the NCUA; Mortgage Choice Act (H.R. 1153); Preserving Access to Manufactured Housing Act (H.R.1699/S. 1751); Consumer Financial Protection Board Act 2017 (S. 105); Financial Product Safety Commission Act of 2018 (H.R. 5266); TAILOR Act (H.R. 1116/S.366); CFPB Accountability Act of 2017 or the TABS Act of 2017 (H.R. 2553/S.387); Subject CFPB to Congressional appropriations process; Financial Institutions Examination Fairness and Reform Act (H.R. 4545/S. 2237); Expanding SBA business loan programs; Financial Institution Customer Protection Act (H.R. 2706); Financial services and general government appropriations bill; Home Mortgage Disclosure Adjustment Act (H.R. 2954/S. 1310); Home Mortgage Reporting Relief Act of 2017 (H.R. 4648); QM safe harbor for portfolio loans; Portfolio Lending and Mortgage Access Act (H.R. 2226/S. 2013); the Community Lending Enhancement and Regulatory Relief Act (H.R. 2133/S.1002); Common Sense Credit Union Capital Relief Act of 2017 (H.R. 4464); Common Sense Credit Union Capital Relief Act of 2018 (H.R. 5288); Credit Score Competition Act (H.R. 898/S. 1685); Community Institution Mortgage Relief Act of 2017 (H.R. 3971); Small Business 7(a) Lending Oversight Reform Act (H.R. 4743/S.2283); Business of Insurance Regulatory Reform Act of 2017 (H.R. 3746); Subject non-depository GLBA institutions to regular examinations; require credit reporting agencies to notify depository institutions when one of their accounts is breached; Protecting Americans from Credit Entanglements Act (H.R. 1958/S.838); Making Online Banking Initiation Legal and Easy Act of 2017 (H.R. 1457); Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155); Securing Access to Affordable Mortgages Act (H.R. 3221); Protecting Consumers' Access to Credit Act of 2017 (H.R. 3299); H.R. 4296 - related to operational risk capital requirements; Lawsuit abuse related to website access requirements under the Americans with Disabilities Act; the ADA Education and Reform Act of 2017 (H.R. 620); CFPB Examination and Reporting Threshold Act (H.R. 3072). NCUA - Voluntary mergers; reforms to credit union capital requirements; supplemental capital for credit unions; FOM improvements; FCU interest rate cap; asset securitization authority for credit unions; Call report modernization; NCUSIF issues including NOL ratio and equity distribution; short-term small dollar lending; de novo charter process, approvals, and flexibility; consistent examination expectations; Issuance of clear UDAAP expectations; Exam appeals process; Codify IRPS; Bylaws ANPR; Capital Planning and Supervisory Stress Testing; Accuracy of Advertising; support for NCUA Regulatory Reform Agenda; Extend examination cycle for low-risk, well-run credit unions greater than $1 billion in assets; CFPB - Use of Section 1022 exemption authority; rulemakings related to debt collection, overdraft, qualified mortgage, ATR, mortgage servicing, consumer complaint database, Home Mortgage Disclosure Act (HMDA) requirements and reporting thresholds, implementation and examination, prepaid accounts; Section 1071 small business data collection; remittances rule and review; Truth in Lending Act/Real Estate Settlement Procedures Act (TILA/RESPA); free access to credit scores for consumers; Amendments to TILA/RESPA Integrated Disclosure Rule (TRID); Dept. of Treasury - Executive Order implementation, streamlining CDFI certifications, CDFI funding; cybersecurity interagency coordination; Regulation of FinTech companies; Do not subject credit unions to the Community Reinvestment Act (CRA); FCC - TCPA reform and requirements, interpretations, and litigation, fighting robocalls; FHFA - chattel loans/duty to serve; GSEs use of alternative credit scores; Credit Risk Transfer transactions; implementation of the Common Securitization Platform (CSP) and Single Security; FHLB Capital Requirements; FHLB role in mortgage market; SBA - Expanding CU participation in SBA lending; Dept. of Defense - Military Lending Act (MLA) Final Rule changes, guidance and implementation; IRS - guidance related to the tax reform bill, including executive compensation excise tax; Dept. of Labor - Revocation of Fiduciary Duty rule and Overtime rule; Dept. of Justice - ADA standards and guidance related to website accessibility; FTC - frivolous demand letters in violation of the Federal Trade Commission Act; FinCEN - Burden related to Suspicious Activities Reports (SARs) required under the Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) rules, raising the required SAR reporting threshold; combating financial crimes; Federal Reserve - Regulation CC; acceptance of electronically signed loans as pledged collateral; role in payments system; NIST - framework for Improving Critical Infrastructure Cybersecurity; Dept. of VA - Allowable Charges and Fees Assessed Incident to VA-Guaranteed Home Loans; FFIEC - evolution of the Cybersecurity Assessment Tool (CAT); FASB - CECL Accounting Standard implementation; Involuntary Liquidation of FCUs and Claims Procedures; Modernizing data collection for supervision of credit unions; FHFA's Affordable Housing Program; suggested IRS oversight of credit unions; FinCEN's Customer Due Diligence Rule; CFPB Civil Investigative Demands and Associated processes; CFPB's Rules of Practice for Adjudication Proceedings; Collection of Checks and other items by Federal Reserve Banks and Funds Transfers Through Fedwire; CFPB's Enforcement Processes; Federal Credit Union Bylaws; CFPB's Supervision Program; Proposed Suspension and Debarment Procedures; FY'19 FSGG Appropriations Bill; CFPB's RFI regarding external engagements; Regulatory Review; CFPB's Rulemaking Processes; the Give Useful Information to Define Effective Compliance Act (H.R. 5534); the Counter Terrorism and Illicit Finance Act (H.R. 6068); Regulatory Changes in Light of S. 2155; CFPB's Adopted Regulations and New Rulemakings Authorities; Volker Rule; Feedback regarding operating vision for the US Faster Payments Council; CFPB's Inherited Regulations and Inherited Rulemaking Authorities; Title VII of H.R. 5841.

Client expense: $550,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), Financial Crimes Enforcement Network (FinCEN), Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Natl Institute of Standards & Technology (NIST), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Treasury, Dept of, White House Office