American Housing and Economic Mobility Act of 2021

Extension of unused VA home loan benefits to certain decendents of deseased servicemembers Improving VA home loan loss mitigation efforts Urging for release and implementation of the Fair Housing Act's statutory mandate to affirmatively further fair housing (AFFH) H.R. 2768 / S. 1368, American Housing and Economic Ability Mobility Act H.R. 8607, VA Housing Loan Forever Act

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

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Veterans Affairs, Dept of (VA)

H.R. 1466 - Safe RESEARCH Act H.R. 1827 - Pausing Enhanced Pandemic Pathogen Research Act of 2023 H.R. 4421 - Preparing for All Hazards and Pathogen Reauthorization Act H.R. 4002 - Relieving Economic Strain to Enhance American Resilience and Competitiveness in Higher Education and Research Act H.R.5933 - DETERRENT Act H.R.5404 - Countering Chinese Espionage Reporting Act H.R. 8070 - National Defense Authorization Act for FY25 (NDAA) Potential Legislation on AI H.R. 1398 - Protect America's Innovation and Economic Security from CCP Act of 2024 H.R.1516 - DHS Restrictions on Confucius Institutes and Chinese Entities of Concern Act H.R. 1157 - Countering the PRC Malign Influence Fund Authorization Act of 2023 H.R. 7686 H.R. ___ - Draft Cures 2.0 Act H.R.5077 - CREATE AI Act of 2023 H.R.8315 - ENFORCE Act S. 289 - Genomics Data Security Act S. 4638 - National Defense Authorization Act for FY25 (NDAA) S. 2333 - Pandemic and All Hazards Preparedness Reauthorization Act S. ____ - CHIPS 2.0 S. 1351 - Safeguarding American Innovation Act (117th Congress) S.3362 - DETERRENT Act S.2714 - CREATE AI Act of 2023 S.3392 - AREA Act S.3558 - A bill to prohibit contracting with certain biotechnology providers, and for other purposes. S.4207 - Spectrum and National Security Act of 2024 S.4667 - Risky Research Review Act S.2714 - CREATE AI Act of 2023 S.1368 - Preventing PLA Acquisition of United States Technology Act of 2023 -- regarding research-related funding and policy issues affecting higher education institutions and their faculty and students.

Client expense: $62,254 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE

Extension of unused VA home loan benefits to certain decendents of deseased servicemembers Improving VA home loan loss mitigation efforts Urging for release and implementation of the Fair Housing Act's statutory mandate to affirmatively further fair housing (AFFH) H.R. 2768 / S. 1368, American Housing and Economic Ability Mobility Act H.R. 8607, VA Housing Loan Forever Act

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

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Veterans Affairs, Dept of (VA)

Extension of unused VA home loan benefits to certain decendents of deseased servicemembers Improving VA home loan loss mitigation efforts Urging for release and implementation of the Fair Housing Act's statutory mandate to affirmatively further fair housing (AFFH) H.R. 2768 / S. 1368, American Housing and Economic Ability Mobility Act H.R. ___, VA Housing Loan Forever Act

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

Government targets: Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE, Veterans Affairs, Dept of (VA)

S. 2182, Eviction Crisis Act, In support of ending the national housing crisis and assisting families struggling because of eviction; S. 1368/H.R. 2768, American Housing and Economic Mobility Act, In support of increasing access to affordable housing.

Client expense: $44,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Extension and Expansion of Credits for Paid Sick and Family Leave and Employee Retention HR1319 - The American Rescue Plan Act of 2021 State and Local Tax Deduction HR202 - SALT Fairness Act HR613 - SALT Deductibility Act HR946 - SALT Act HR2439 - SALT Fairness for Working Families Act HR3925 - SHELTER Act HR5565 - Banana Stand Money Act S85 - SALT Deductibility Act S804 - SALT Deduction Fairness Act Communications with the House of Representatives re: the SALT cap. Section 199A Deduction HR1381 - Main Street Certainty Act HR5376 - Inflation Reduction Act of 2022S480 - Main Street Tax Certainty Act S2387, the Small Business Tax Fairness Act Communications with the House Ways & Means Committee and the Senate Finance Committee opposing the repeal of the Section 199A Qualified Business Interest Deduction. Opportunity Zones HR970 - The Opportunity Zone Extension Act HR4177 - The Expanding Opportunity Zones Act Communications with the U.S. Senate in support of extending the Qualified Opportunity Zone program deadlines. Section 1031 Like-Kind Exchanges HR1742 - The Real Estate Exchange Fairness Act HR5376 - Inflation Reduction Act of 2022 Conversations with the U.S. House of Representatives and the U.S. Senate in support of retaining Section 1031 Like-Kind Exchanges. Neighborhood Homes Investment Act S98 - The Neighborhood Homes Investment Act HR2143 - The Neighborhood Homes Investment Act Conversations with the U.S. House of Representatives and the U.S. Senate supporting bolstering the NHIA. First time homebuyer tax credits HR2863 - First-Time Homebuyer Act of 2021 Conversations with the U.S. House of Representatives and the U.S. Senate in support of a first-time homebuyer tax credit. Low Income Housing Tax Credit HR4204, the Affordable House Act Conversations with the U.S. House of Representatives and the U.S. Senate in support of bolstering the Low Income Housing Tax Credit. Increasing Housing Supply HR2617 - Consolidated Appropriations Act, 2023 Conversations with the U.S. House of Representatives and the U.S. Senate in support of tax incentives to create more housing supply and more housing options for first-time homebuyers. Communications with the House and Senate regarding legislative proposals to convert underused/abandoned commercial properties into residential real estate Estate Tax Reform HR1712 - Death Tax Repeal Act HR5376 - Inflation Reduction Act of 2022 S617 - Death Tax Repeal Act Affordable Housing HR2573 - Affordable Housing Credit Improvement Act of 2021 HR2617 - Consolidated Appropriations Act, 2023 HR2768 - American Housing and Economic Mobility Act HR5376 - Inflation Reduction Act of 2022 S1136 - Affordable Housing Credit Improvement Act of 2021 S1368 - American Housing and Economic Mobility Act Commercial Real Estate Conversion Tax Credits HR4759 - The Revitalizing Downtowns Act S2511 - The Revitalizing Downtowns Act Discussions with the House and Senate regarding policy proposals to encourage converting underutilized commercial real estate into residential housing units. Carried Interest HR1068 - The Carried Interest Fairness Act HR5376 - Inflation Reduction Act of 2022 S1598 - Carried Interest Fairness Act of 2021 Capital Gains HR9015 - More Homes on the Market Act Discussions regarding proposed legislation, the Sensible Taxation and Equity Promotion (STEP) Act. Communications with the House and Senate opposing increases to the capital gains tax rate and taxing of unrealized capital gains Energy Efficiency Tax Incentives HR2346 - E-QUIP Act HR5376 - Inflation Reduction Act of 2022 Tax Credit for Disaster Mitigation/Expenses S1805 - Shelter Act REITs HR3123 - Parity for Non-Traded REITs Act Partnership Tax Rules Communications with the Senate Finance Committee about proposed legislation to change the partnership tax rules Tax Reform HR2275 - The Mortgage Debt Tax Forgiveness Act HR2276 - the Mortgage Insurance Tax Deduction Act HR2286 - A bill to treat property transferred by gift or at death as sold for fair market value HR5376 - Inflation Reduction Act of 2022 S126 - A bill to amend the Internal Revenue Code of 1986 to make permanent the individual tax provisions of the tax reform law, and for other purposes. Communications with the House and Senate opposing changes to the "step-up in basis" provision and in support of increasing the section 121 IRC exclusion. Infrastructure Proposals HR5376 - Inflation Reduction Act of 2022 Communications with the House and Senate regarding the pay-fors in the American Rescue Plan and the American Jobs Plan The Historic Tax Credit HR2266 - The Historic Tax Credit Growth and Opportunity Act HR2294 - The Historic Tax Credit Growth and Opportunity Act COVID-19 Recovery Communications with the U.S. House of Representatives and the U.S. Senate regarding the Coronavirus Recovery Fund Housing Tax Credit Statute Adjustment. Depreciation of Real Property HR7229 - Renewing Investment in American Workers and Supply Chains Act Tax incentives for housing Discussions with the House and Senate regarding policy proposals to give tax incentives for the production of residential units. Net Investment Income Tax Communications with Congressional leadership opposing the 3.8% net investment income tax. Middle Income Housing Tax Credit Discussions with the House and Senate regarding creating a "middle income housing tax credit." Mortgage Insurance Tax Deduction Conversations with the Senate Finance Committee and the House Ways and Means Committee regarding mortgage insurance tax deduction policies.

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws 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 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 fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's 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 CFPB's Leadership structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings 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 the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's 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 CFPB's consumer complaint database Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) 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 and innovation Issues related to the Fed's 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 the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System 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 consumer's access to records Issues related to Interchange Fees 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 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-Bases Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to digital identity legislation Issues related Paid Leave Payroll Tax Credits Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to troubled debt restructuring Issues related to Prompt Corective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan Application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal Issues related to credit union coverage under GNMA rules Issues related to Cryptocurrency and digital assets Issues related to the re-nomination of Todd Harper to the NCUA Board Issues related to examining frameworks to address future pandemic risk Issues related to the NDAA rate cap proposals Issues related to the collection of checks and other items by Federal Reserve Banks and Funds Transfers through Fedwire Issues related to the potential modifications to the Federal Reserve policy on payment system risk Issues related to Small Business Bankruptcy Issues related to mortgage-backed securities insurance Issues related to the state of the rural economy Issues related to financial barriers to minority and women-owned businesses' involvement in infrastructure projects Issues related to the President's working group on financial market's report on stablecoins Issues related to economic impact of growing burden of medical debt Issues related to the Credit Union Employee and Member Safety Act in the FY2022 Omnibus Appropriations Act Issues related to the Interagency Task Force on Property Appraisal and Valuation Equity (PAVE) appraisals Issues related to the National Defense Authorization Act FY2023 Issues related to the Administration of the CDFI Fund Issues related to Central Bank Digital Currency Issues related to National Flood Insurance Program Reauthorization Issues related to Reg. II, Dodd Frank, Durbin Amendment, Section 107531 Issues related to G20 Rome Leaders Declaration Issues related to the United States Innovation and Competition Act of 2021 Issues related to Prompt Corrective Action: Earnings Retention Waivers and Net Worth Restoration Plans Issues related to Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking Issues related to the Truth in Savings Act (TISA) and Part 707 of the NCUA Rules and Regulations Issues related to 40 Year Term Loan Modifications Issues related to data security and interchange fees Issues related to credit union loan maturity limits Issues related to credit union business lending caps Issues related to the administration of the CDFI Fund Issues related to the National Defense Authorization Act and Interchange fee issues Issues related to CDFI recertification applications Issues related to Protecting military service members and veterans from Financial scams and fraud Issues related to new consumer financial products and the impacts to workers Issues related to making the CFPB Accountable to Small Business Act Issues related to cyber incident notification requirements for Federally insured credit unions Issues related to ensuring responsible development of digital assets Issues related to the CFPB ensuring data aggregation services market is Fair, transparent and competitive H.J. Res 35, providing for Congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" S.J. Res 15, a joint resolution providing for congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 963, the Forced Arbitration Injustice Repeal (FAIR) Act H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2471, the Consolidated Appropriations Act of 2022 H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3684, Infrastructure Investment and Jobs Act, Sec. 90005, Extension of enterprise guarantee fees H.R. 3958, Central Liquidity Facility Enhancement Act H.R. 3962, SECURE Notarization Act of 2021 H.R. 4277, Overdraft protection legislation H.R. 4495, the Down payment Toward Equity Act of 2021 H.R. 4773, the Consumer Financial Protection Commission Act H.R. 4905, Promoting New and Diverse Depository Institutions Act H.R. 5189, Member Business Loan Expansion Act H.R. 5206, Tax Gap Reform and IRS Enforcement Act H.R. 5305, Extending Government Funding and Delivering Emergency Assistance Act H.R. 5451, Protecting Financial Privacy Act of 2021 H.R. 5912, the Close the ILC Loophole Act H.R. 6889, Credit Union Board Modernization Act H.R. 7003, Expanding Financial Access to Underserved Communities Act H.R. 7022, the Strengthening Cyber-Security for the Financial Sector Act H.R. 7733, the CDFI Bond Guarantee Program Improvement Act of 2022 H.R. 7900, SAFE Banking, amendment #983 by Representative Beatty (OH), Amendment #543 offered by Representatives Dean (PA), Armstrong (ND), Perlmutter (CO),Reschenthalter (PA) and Escobar (TX) H.R. 8152, American Data Privacy and Protection Act H.R. 8294, the Transportation, Housing and Urban development, Agriculture, Rural development, Energy and Water Development, Financial Services and General Government, Interior, Environment, Military Construction, and Veterans affairs Appropriations Act of Fiscal Year 2023 H.R. 8485, the Expanding Access to Credit through Consumer-Permissioned Data Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1625, Securing and Enabling Commerce Using Remote and Electronic Notarization Act S. 1767, the Credit Union Employee and Member Safety Act of 2021 S. 2857, Protection Financial Privacy Act of 2021 S. 3715, E-SIGN Modernization Act of 2022 S. 3813, Veterans Member Business Loan Act S. 4325, Credit Union Board Modernization S. 4356, The Responsible Financial Innovation Act S. 4676, Credit Card Competition Act of 2022 S. 4698, Improving Cybersecurity of Credit Unions Act S. 4879, Expanding Financial Access for Underserved Communities Act S. Amendment 6174, National Defense Authorization Act, Report on Credit and Debit Card

S. 2182, Eviction Crisis Act, In support of ending the national housing crisis and assisting families struggling because of eviction; S. 1368/H.R. 2768, American Housing and Economic Mobility Act, In support of increasing access to affordable housing.

Client expense: $87,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Extension and Expansion of Credits for Paid Sick and Family Leave and Employee Retention HR1319 - The American Rescue Plan Act of 2021 State and Local Tax Deduction HR202 - SALT Fairness Act HR613 - SALT Deductibility Act HR946 - SALT Act HR2439 - SALT Fairness for Working Families Act HR3925 - SHELTER Act HR5565 - Banana Stand Money Act S85 - SALT Deductibility Act S804 - SALT Deduction Fairness Act Communications with the House of Representatives re: the SALT cap. Section 199A Deduction HR1381 - Main Street Certainty Act HR5376 - Inflation Reduction Act of 2022S480 - Main Street Tax Certainty Act S2387, the Small Business Tax Fairness Act Communications with the House Ways & Means Committee and the Senate Finance Committee opposing the repeal of the Section 199A Qualified Business Interest Deduction. Opportunity Zones HR970 - The Opportunity Zone Extension Act HR4177 - The Expanding Opportunity Zones Act Communications with the U.S. Senate in support of extending the Qualified Opportunity Zone program deadlines. Section 1031 Like-Kind Exchanges HR1742 - The Real Estate Exchange Fairness Act HR5376 - Inflation Reduction Act of 2022 Conversations with the U.S. House of Representatives and the U.S. Senate in support of retaining Section 1031 Like-Kind Exchanges. Neighborhood Homes Investment Act S98 - The Neighborhood Homes Investment Act HR2143 - The Neighborhood Homes Investment Act Conversations with the U.S. House of Representatives and the U.S. Senate supporting bolstering the NHIA. First time homebuyer tax credits HR2863 - First-Time Homebuyer Act of 2021 Conversations with the U.S. House of Representatives and the U.S. Senate in support of a first-time homebuyer tax credit. Low Income Housing Tax Credit HR4204, the Affordable House Act Conversations with the U.S. House of Representatives and the U.S. Senate in support of bolstering the Low Income Housing Tax Credit. Increasing Housing Supply Conversations with the U.S. House of Representatives and the U.S. Senate in support of tax incentives to create more housing supply and more housing options for first-time homebuyers. Communications with the House and Senate regarding legislative proposals to convert underused/abandoned commercial properties into residential real estate Estate Tax Reform HR1712 - Death Tax Repeal Act HR5376 - Inflation Reduction Act of 2022 S617 - Death Tax Repeal Act Affordable Housing HR2573 - Affordable Housing Credit Improvement Act of 2021 HR2768 - American Housing and Economic Mobility Act HR5376 - Inflation Reduction Act of 2022 S1136 - Affordable Housing Credit Improvement Act of 2021 S1368 - American Housing and Economic Mobility Act Commercial Real Estate Conversion Tax Credits HR4759 - The Revitalizing Downtowns Act S2511 - The Revitalizing Downtowns Act Discussions with the House and Senate regarding policy proposals to encourage converting underutilized commercial real estate into residential housing units. Carried Interest HR1068 - The Carried Interest Fairness Act HR5376 - Inflation Reduction Act of 2022 S1598 - Carried Interest Fairness Act of 2021 Capital Gains HR9015 - More Homes on the Market Act Discussions regarding proposed legislation, the Sensible Taxation and Equity Promotion (STEP) Act. Communications with the House and Senate opposing increases to the capital gains tax rate and taxing of unrealized capital gains Energy Efficiency Tax Incentives HR2346 - E-QUIP Act HR5376 - Inflation Reduction Act of 2022 Tax Credit for Disaster Mitigation/Expenses S1805 - Shelter Act REITs HR3123 - Parity for Non-Traded REITs Act Partnership Tax Rules Communications with the Senate Finance Committee about proposed legislation to change the partnership tax rules Tax Reform HR2275 - The Mortgage Debt Tax Forgiveness Act HR2276 - the Mortgage Insurance Tax Deduction Act HR2286 - A bill to treat property transferred by gift or at death as sold for fair market value HR5376 - Inflation Reduction Act of 2022 S126 - A bill to amend the Internal Revenue Code of 1986 to make permanent the individual tax provisions of the tax reform law, and for other purposes. Communications with the House and Senate opposing changes to the "step-up in basis" provision and in support of increasing the section 121 IRC exclusion. Infrastructure Proposals HR5376 - Inflation Reduction Act of 2022 Communications with the House and Senate regarding the pay-fors in the American Rescue Plan and the American Jobs Plan The Historic Tax Credit HR2266 - The Historic Tax Credit Growth and Opportunity Act HR2294 - The Historic Tax Credit Growth and Opportunity Act COVID-19 Recovery Communications with the U.S. House of Representatives and the U.S. Senate regarding the Coronavirus Recovery Fund Housing Tax Credit Statute Adjustment. Depreciation of Real Property HR7229 - Renewing Investment in American Workers and Supply Chains Act Tax incentives for housing Discussions with the House and Senate regarding policy proposals to give tax incentives for the production of residential units. Net Investment Income Tax Communications with Congressional leadership opposing the 3.8% net investment income tax. Middle Income Housing Tax Credit Discussions with the House and Senate regarding creating a "middle income housing tax credit."

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws 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 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 fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's 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 CFPB's Leadership structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings 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 the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's 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 CFPB's consumer complaint database Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) 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 and innovation Issues related to the Fed's 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 the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System 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 consumer's access to records Issues related to Interchange Fees 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 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-Bases Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to digital identity legislation Issues related Paid Leave Payroll Tax Credits Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to troubled debt restructuring Issues related to Prompt Corective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan Application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal Issues related to credit union coverage under GNMA rules Issues related to Cryptocurrency and digital assets Issues related to the re-nomination of Todd Harper to the NCUA Board Issues related to examining frameworks to address future pandemic risk Issues related to the NDAA rate cap proposals Issues related to the collection of checks and other items by Federal Reserve Banks and Funds Transfers through Fedwire Issues related to the potential modifications to the Federal Reserve policy on payment system risk Issues related to Small Business Bankruptcy Issues related to mortgage-backed securities insurance Issues related to the state of the rural economy Issues related to financial barriers to minority and women-owned businesses' involvement in infrastructure projects Issues related to the President's working group on financial market's report on stablecoins Issues related to economic impact of growing burden of medical debt Issues related to the Credit Union Employee and Member Safety Act in the FY2022 Omnibus Appropriations Act Issues related to the Interagency Task Force on Property Appraisal and Valuation Equity (PAVE) appraisals Issues related to the National Defense Authorization Act FY2023 Issues related to the Administration of the CDFI Fund Issues related to Central Bank Digital Currency Issues related to National Flood Insurance Program Reauthorization Issues related to Reg. II, Dodd Frank, Durbin Amendment, Section 107531 Issues related to G20 Rome Leaders Declaration Issues related to the United States Innovation and Competition Act of 2021 Issues related to Prompt Corrective Action: Earnings Retention Waivers and Net Worth Restoration Plans Issues related to Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking Issues related to the Truth in Savings Act (TISA) and Part 707 of the NCUA Rules and Regulations Issues related to 40 Year Term Loan Modifications Issues related to data security and interchange fees Issues related to credit union loan maturity limits Issues related to credit union business lending caps Issues related to the administration of the CDFI Fund Issues related to the National Defense Authorization Act and Interchange fee issues Issues related to CDFI recertification applications Issues related to Protecting military service members and veterans from Financial scams and fraud Issues related to new consumer financial products and the impacts to workers Issues related to making the CFPB Accountable to Small Business Act Issues related to cyber incident notification requirements for Federally insured credit unions Issues related to ensuring responsible development of digital assets Issues related to the CFPB ensuring data aggregation services market is Fair, transparent and competitive H.J. Res 35, providing for Congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" S.J. Res 15, a joint resolution providing for congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 963, the Forced Arbitration Injustice Repeal (FAIR) Act H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2471, the Consolidated Appropriations Act of 2022 H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3684, Infrastructure Investment and Jobs Act, Sec. 90005, Extension of enterprise guarantee fees H.R. 3958, Central Liquidity Facility Enhancement Act H.R. 3962, SECURE Notarization Act of 2021 H.R. 4277, Overdraft protection legislation H.R. 4495, the Down payment Toward Equity Act of 2021 H.R. 4773, the Consumer Financial Protection Commission Act H.R. 4905, Promoting New and Diverse Depository Institutions Act H.R. 5189, Member Business Loan Expansion Act H.R. 5206, Tax Gap Reform and IRS Enforcement Act H.R. 5305, Extending Government Funding and Delivering Emergency Assistance Act H.R. 5451, Protecting Financial Privacy Act of 2021 H.R. 5912, the Close the ILC Loophole Act H.R. 6889, Credit Union Board Modernization Act H.R. 7003, Expanding Financial Access to Underserved Communities Act H.R. 7022, the Strengthening Cyber-Security for the Financial Sector Act H.R. 7733, the CDFI Bond Guarantee Program Improvement Act of 2022 H.R. 7900, SAFE Banking, amendment #983 by Representative Beatty (OH), Amendment #543 offered by Representatives Dean (PA), Armstrong (ND), Perlmutter (CO),Reschenthalter (PA) and Escobar (TX) H.R. 8152, American Data Privacy and Protection Act H.R. 8294, the Transportation, Housing and Urban development, Agriculture, Rural development, Energy and Water Development, Financial Services and General Government, Interior, Environment, Military Construction, and Veterans affairs Appropriations Act of Fiscal Year 2023 H.R. 8485, the Expanding Access to Credit through Consumer-Permissioned Data Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1625, Securing and Enabling Commerce Using Remote and Electronic Notarization Act S. 1767, the Credit Union Employee and Member Safety Act of 2021 S. 2857, Protection Financial Privacy Act of 2021 S. 3715, E-SIGN Modernization Act of 2022 S. 3813, Veterans Member Business Loan Act S. 4325, Credit Union Board Modernization S. 4356, The Responsible Financial Innovation Act S. 4676, Credit Card Competition Act of 2022 S. 4698, Improving Cybersecurity of Credit Unions Act S. 4879, Expanding Financial Access for Underserved Communities Act S. Amendment 6174, National Defense Authorization Act, Report on Credit and Debit Card

Extension and Expansion of Credits for Paid Sick and Family Leave and Employee Retention HR1319 - The American Rescue Plan Act of 2021 State and Local Tax Deduction HR202 - SALT Fairness Act HR613 - SALT Deductibility Act HR946 - SALT Act HR2439 - SALT Fairness for Working Families Act HR3925 - SHELTER Act HR5565 - Banana Stand Money Act S85 - SALT Deductibility Act S804 - SALT Deduction Fairness Act Communications with the House of Representatives re: the SALT cap. Section 199A Deduction HR1381 - Main Street Certainty Act S480 - Main Street Tax Certainty Act S2387, the Small Business Tax Fairness Act Communications with the House Ways & Means Committee and the Senate Finance Committee opposing the repeal of the Section 199A Qualified Business Interest Deduction. Opportunity Zones HR970 - The Opportunity Zone Extension Act HR4177 - The Expanding Opportunity Zones Act Communications with the U.S. Senate in support of extending the Qualified Opportunity Zone program deadlines. Section 1031 Like-Kind Exchanges HR1742 - The Real Estate Exchange Fairness Act Conversations with the U.S. House of Representatives and the U.S. Senate in support of retaining Section 1031 Like-Kind Exchanges. Neighborhood Homes Investment Act S98 - The Neighborhood Homes Investment Act HR2143 - The Neighborhood Homes Investment Act Conversations with the U.S. House of Representatives and the U.S. Senate supporting bolstering the NHIA. First time homebuyer tax credits HR2863 - First-Time Homebuyer Act of 2021 Conversations with the U.S. House of Representatives and the U.S. Senate in support of a first-time homebuyer tax credit. Low Income Housing Tax Credit HR4204, the Affordable House Act Conversations with the U.S. House of Representatives and the U.S. Senate in support of bolstering the Low Income Housing Tax Credit. Increasing Housing Supply Conversations with the U.S. House of Representatives and the U.S. Senate in support of tax incentives to create more housing supply and more housing options for first-time homebuyers. Communications with the House and Senate regarding legislative proposals to convert underused/abandoned commercial properties into residential real estate Estate Tax Reform HR1712 - Death Tax Repeal Act S617 - Death Tax Repeal Act Affordable Housing HR2573 - Affordable Housing Credit Improvement Act of 2021 HR2768 - American Housing and Economic Mobility Act S1136 - Affordable Housing Credit Improvement Act of 2021 S1368 - American Housing and Economic Mobility Act Commercial Real Estate Conversion Tax Credits HR4759 - The Revitalizing Downtowns Act S2511 - The Revitalizing Downtowns Act Carried Interest HR1068 - The Carried Interest Fairness Act S1598 - Carried Interest Fairness Act of 2021 Capital Gains Discussions regarding proposed legislation, the Sensible Taxation and Equity Promotion (STEP) Act. Communications with the House and Senate opposing increases to the capital gains tax rate and taxing of unrealized capital gains Energy Efficiency Tax Incentives HR2346 - E-QUIP Act Tax Credit for Disaster Mitigation/Expenses S1805 - Shelter Act REITs HR3123 - Parity for Non-Traded REITs Act Partnership Tax Rules Communications with the Senate Finance Committee about proposed legislation to change the partnership tax rules Tax Reform HR2275 - The Mortgage Debt Tax Forgiveness Act HR2276 - the Mortgage Insurance Tax Deduction Act HR2286 - A bill to treat property transferred by gift or at death as sold for fair market value S126 - A bill to amend the Internal Revenue Code of 1986 to make permanent the individual tax provisions of the tax reform law, and for other purposes. Communications with the House and Senate opposing changes to the "step-up in basis" provision and in support of increasing the section 121 IRC exclusion. Infrastructure Proposals HR5376 - Build Back Better Act Communications with the House and Senate regarding the pay-fors in the American Rescue Plan and the American Jobs Plan The Historic Tax Credit HR2266 - The Historic Tax Credit Growth and Opportunity Act HR2294 - The Historic Tax Credit Growth and Opportunity Act COVID-19 Recovery Communications with the U.S. House of Representatives and the U.S. Senate regarding the Coronavirus Recovery Fund Housing Tax Credit Statute Adjustment. Depreciation of Real Property HR722 9 - Renewing Investment in American Workers and Supply Chains Act Tax incentives for housing Discussions with the House and Senate regarding policy proposals to give tax incentives for the production of residential units.

S. 2182, Eviction Crisis Act, In support of ending the national housing crisis and assisting families struggling because of eviction; S. 1368/H.R. 2768, American Housing and Economic Mobility Act, In support of increasing access to affordable housing.

Client expense: $115,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws 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 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 fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's 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 CFPB's Leadership structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings 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 the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's 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 CFPB's consumer complaint database Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) 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 and innovation Issues related to the Fed's 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 the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System 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 consumer's access to records Issues related to Interchange Fees 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 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-Bases Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to digital identity legislation Issues related Paid Leave Payroll Tax Credits Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to troubled debt restructuring Issues related to Prompt Corective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan Application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal Issues related to credit union coverage under GNMA rules Issues related to Cryptocurrency and digital assets Issues related to the re-nomination of Todd Harper to the NCUA Board Issues related to examining frameworks to address future pandemic risk Issues related to the NDAA rate cap proposals Issues related to the collection of checks and other items by Federal Reserve Banks and Funds Transfers through Fedwire Issues related to the potential modifications to the Federal Reserve policy on payment system risk Issues related to Small Business Bankruptcy Issues related to mortgage-backed securities insurance Issues related to the state of the rural economy Issues related to financial barriers to minority and women-owned businesses' involvement in infrastructure projects Issues related to the President's working group on financial market's report on stablecoins Issues related to economic impact of growing burden of medical debt Issues related to the Credit Union Employee and Member Safety Act in the FY2022 Omnibus Appropriations Act Issues related to the Interagency Task Force on Property Appraisal and Valuation Equity (PAVE) appraisals Issues related to the National Defense Authorization Act FY2023 Issues related to the Administration of the CDFI Fund Issues related to Central Bank Digital Currency Issues related to National Flood Insurance Program Reauthorization Issues related to Reg. II, Dodd Frank, Durbin Amendment, Section 107531 Issues related to G20 Rome Leaders Declaration Issues related to the United States Innovation and Competition Act of 2021 Issues related to Prompt Corrective Action: Earnings Retention Waivers and Net Worth Restoration Plans Issues related to Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking Issues related to the Truth in Savings Act (TISA) and Part 707 of the NCUA Rules and Regulations Issues related to 40 Year Term Loan Modifications H.J. Res 35, providing for Congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" S.J. Res 15, a joint resolution providing for congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 963, the Forced Arbitration Injustice Repeal (FAIR) Act H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2471, the Consolidated Appropriations Act of 2022 H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3684, Infrastructure Investment and Jobs Act, Sec. 90005, Extension of enterprise guarantee fees H.R. 3958, Central Liquidity Facility Enhancement Act H.R. 3962, SECURE Notarization Act of 2021 H.R. 4495, the Downpayment Toward Equity Act of 2021 H.R. 4773, the Consumer Financial Protection Commission Act H.R. 4905, Promoting New and Diverse Depository Institutions Act H.R. 5189, Member Business Loan Expansion Act H.R. 5206, Tax Gap Reform and IRS Enforcement Act H.R. 5305, Extending Government Funding and Delivering Emergency Assistance Act H.R. 5451, Protecting Financial Privacy Act of 2021 H.R. 5912, the Close the ILC Loophole Act H.R. 6889, Credit Union Board Modernization Act H.R. 7003, Expanding Financial Access to Underserved Communities Act H.R. 8152, American Data Privacy and Protection Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1625, Securing and Enabling Commerce Using Remote and Electronic Notarization Act S. 1767, the Credit Union Employee and Member Safety Act of 2021 S. 2857, Protection Financial Privacy Act of 2021 S. 3715, E-SIGN Modernization Act of 2022 S. 3813, Veterans Member Business Loan Act S. 4325, Credit Union Board Modernization S. 4356, The Responsible Financial Innovation Act

Extension and Expansion of Credits for Paid Sick and Family Leave and Employee Retention HR1319 - The American Rescue Plan Act of 2021 State and Local Tax Deduction HR202 - SALT Fairness Act HR613 - SALT Deductibility Act HR946 - SALT Act HR2439 - SALT Fairness for Working Families Act HR3925 - SHELTER Act HR5565 - Banana Stand Money Act S85 - SALT Deductibility Act S804 - SALT Deduction Fairness Act Communications with the House of Representatives re: the SALT cap. Section 199A Deduction HR1381 - Main Street Certainty Act S480 - Main Street Tax Certainty Act S2387, the Small Business Tax Fairness Act Communications with the House Ways & Means Committee and the Senate Finance Committee opposing the repeal of the Section 199A Qualified Business Interest Deduction Opportunity Zones HR970 - The Opportunity Zone Extension Act HR4177 - The Expanding Opportunity Zones Act Communications with the U.S. Senate in support of extending the Qualified Opportunity Zone program deadlines. Section 1031 Like-Kind Exchanges HR1742 - The Real Estate Exchange Fairness Act Conversations with the U.S. House of Representatives and the U.S. Senate in support of retaining Section 1031 Like-Kind Exchanges. Neighborhood Homes Investment Act S98 - The Neighborhood Homes Investment Act HR2143 - The Neighborhood Homes Investment Act Conversations with the U.S. House of Representatives and the U.S. Senate supporting bolstering the NHIA. First time homebuyer tax credits HR2863 - First-Time Homebuyer Act of 2021 Conversations with the U.S. House of Representatives and the U.S. Senate in support of a first-time homebuyer tax credit. Low Income Housing Tax Credit HR4204, the Affordable House Act Conversations with the U.S. House of Representatives and the U.S. Senate in support of bolstering the Low Income Housing Tax Credit. Increasing Housing Supply Conversations with the U.S. House of Representatives and the U.S. Senate in support of tax incentives to create more housing supply and more housing options for first-time homebuyers. Communications with the House and Senate regarding legislative proposals to convert underused/abandoned commercial properties into residential real estate Estate Tax Reform HR1712 - Death Tax Repeal Act S617 - Death Tax Repeal Act Affordable Housing HR2573 - Affordable Housing Credit Improvement Act of 2021 HR2768 - American Housing and Economic Mobility Act S1136 - Affordable Housing Credit Improvement Act of 2021 S1368 - American Housing and Economic Mobility Act Commercial Real Estate Conversion Tax Credits HR4759 - The Revitalizing Downtowns Act S2511 - The Revitalizing Downtowns Act Carried Interest HR1068 - The Carried Interest Fairness Act S1598 - Carried Interest Fairness Act of 2021 Capital Gains Discussions regarding proposed legislation, the Sensible Taxation and Equity Promotion (STEP) Act. Communications with the House and Senate opposing increases to the capital gains tax rate and taxing of unrealized capital gains Energy Efficiency Tax Incentives HR2346 - E-QUIP Act Tax Credit for Disaster Mitigation/Expenses S1805 - Shelter Act REITs HR3123 - Parity for Non-Traded REITs Act Partnership Tax Rules Communications with the Senate Finance Committee about proposed legislation to change the partnership tax rules Tax Reform HR2275 - The Mortgage Debt Tax Forgiveness Act HR2276 - the Mortgage Insurance Tax Deduction Act HR2286 - A bill to treat property transferred by gift or at death as sold for fair market value S126 - A bill to amend the Internal Revenue Code of 1986 to make permanent the individual tax provisions of the tax reform law, and for other purposes. Communications with the House and Senate opposing changes to the "step-up in basis" provision Infrastructure Proposals HR5376 - Build Back Better Act Communications with the House and Senate regarding the pay-fors in the American Rescue Plan and the American Jobs Plan The Historic Tax Credit HR2266 - The Historic Tax Credit Growth and Opportunity Act HR2294 - The Historic Tax Credit Growth and Opportunity Act COVID-19 Recovery Communications with the U.S. House of Representatives and the U.S. Senate regarding the Coronavirus Recovery Fund Housing Tax Credit Statute Adjustment. Depreciation of Real Property HR722 9 - Renewing Investment in American Workers and Supply Chains Act

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws 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 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 fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's 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 CFPB's Leadership structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings 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 the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's 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 CFPB's consumer complaint database Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) 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 and innovation Issues related to the Fed's 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 the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System 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 consumer's access to records Issues related to Interchange Fees 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 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-Bases Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to digital identity legislation Issues related Paid Leave Payroll Tax Credits Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to troubled debt restructuring Issues related to Prompt Corective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan Application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal Issues related to credit union coverage under GNMA rules Issues related to Cryptocurrency and digital assets Issues related to the re-nomination of Todd Harper to the NCUA Board Issues related to examining frameworks to address future pandemic risk Issues related to the NDAA rate cap proposals Issues related to the collection of checks and other items by Federal Reserve Banks and Funds Transfers through Fedwire Issues related to the potential modifications to the Federal Reserve policy on payment system risk Issues related to Small Business Bankruptcy Issues related to mortgage-backed securities insurance Issues related to the state of the rural economy Issues related to financial barriers to minority and women-owned businesses' involvement in infrastructure projects Issues related to the President's working group on financial market's report on stablecoins Issues related to economic impact of growing burden of medical debt Issues related to the Credit Union Employee and Member Safety Act in the FY2022 Omnibus Appropriations Act Issues related to the Interagency Task Force on Property Appraisal and Valuation Equity (PAVE) appraisals H.J. Res 35, providing for Congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" S.J. Res 15, a joint resolution providing for congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 963, the Forced Arbitration Injustice Repeal (FAIR) Act H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2471, the Consolidated Appropriations Act of 2022 H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3684, Infrastructure Investment and Jobs Act, Sec. 90005, Extension of enterprise guarantee fees H.R. 3958, Central Liquidity Facility Enhancement Act H.R. 3962, SECURE Notarization Act of 2021 H.R. 4773, the Consumer Financial Protection Commission Act H.R. 4905, Promoting New and Diverse Depository Institutions Act H.R. 5206, Tax Gap Reform and IRS Enforcement Act H.R. 5305, Extending Government Funding and Delivering Emergency Assistance Act H.R. 5451, Protecting Financial Privacy Act of 2021 H.R. 5189, Member Business Loan Expansion Act H.R. 6889, Credit Union Board Modernization Act H.R. 7003, Expanding Financial Access to Underserved Communities Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1625, Securing and Enabling Commerce Using Remote and Electronic Notarization Act S. 1767, the Credit Union Employee and Member Safety Act of 2021 S. 2857, Protection Financial Privacy Act of 2021 S. 3715, E-SIGN Modernization Act of 2022 S. 3813, Veterans Member Business Loan Act

S. 2182, Eviction Crisis Act, In support of ending the national housing crisis and assisting families struggling because of eviction; S. 1368/H.R. 2768, American Housing and Economic Mobility Act, In support of increasing access to affordable housing.

Client expense: $120,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws 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 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 fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's 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 CFPB's Leadership structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings 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 the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's 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 CFPB's consumer complaint database Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) 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 and innovation Issues related to the Fed's 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 the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System 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 consumer's access to records Issues related to Interchange Fees 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 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-Bases Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to digital identity legislation Issues related Paid Leave Payroll Tax Credits Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to troubled debt restructuring Issues related to Prompt Corective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan Application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal H.J. Res 35, providing for Congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" S.J. Res 15, a joint resolution providing for congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3958, Central Liquidity Facility Enhancement Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1767, the Credit Union Employee and Member Safety Act of 2021

H.R. 1068 -Carried Interest Fairness Act of 2021 H.R. 1321 -NMTC Extension Act of 2021 H.R. 1381 -Mainstreet Tax Certainty Act H.R. 1483 -REHAB Act of 2021 H.R. 1977 -Enhancing Credit Opportunities in Rural America Act H.R. 2143 -Neighborhood Homes Investment Act H.R. 2188 -Reopening America by Supporting Workers and Businesses Act H.R. 2189 -State Tax Freedom Act H.R. 2286 -taxes property transferred by gift or death as sold at market value H.R. 2288 -Investing in Our Communities Act H.R. 2294 -Historic Tax Credit Growth and Opportunity Act H.R. 2439 -SALT Fairness for Working Families Act H.R. 2558 -ALIGN Act H.R. 2573 -Affordable Housing Credit Improvement Act H.R. 2768 -American Housing and Economic Mobility Act of 2021 H.R. 2863 -First Time Homebuyer Act H.R. 3123 -Parity for Non-Traded REITS Act H.R. 3178 -Estate Tax Rate Reduction Act H.R. 3265 -Middle Class Savings Act H.R. 3324 -Incentivize Residential Energy Efficiency Act H.R. 3357 -Rural Jobs Act H.R. 3725 -Relief and Equity Through Small Business Tax Act H.R. 3805 -Millionaires Surtax Act H.R. 3903 -Tax Fairness Act H.R. 4165 -Uplifting First-Time Homebuyers Act of 2021 H.R. 4177 -Expanding Opportunity Zones Act H.R. 4940 -Real Corporate Profits Tax Act of 2021 H.R. 5376 -Build Back Better Act S. 98 -Neighborhood Homes Investment Act S. 456 -New Markets Tax Credit Extension Act of 2021 S. 480-Mainstreet Tax Certainty Act S. 1027-Tax Assistance for Crumbling Foundations Act S. 1136-Affordable Housing Credit Improvement Act S. 1166-Align Act S. 1368-American Housing and Economic Mobility Act S. 1403-Move America Act S. 1479-Home Lead Safety Credit Improvement Act S. 1499-REPAIR Act S. 1519-Save Hotel Jobs Act S. 1598-Carried Interest Fairness Act of 2021 S. 1627-Estate Tax Reduction Act S. 1652-Paying Fair Share Act S. 1653-SMART Act S. 1671-Rural Jobs Act S. 1753-Home Energy Savings Act S. 1768-Hope for HOMES Act S. 1805-SHELTER Act S. 2028-Millionaires Surtax Act S. 2234-Affordable Homes Act S. 2266-Historic Tax Credit Growth and Opportunity Act S. 2680-Real Corporate Profits Tax Act of 2021 S. 2820-DASH Act

H.R. 1068 -Carried Interest Fairness Act of 2021 H.R. 1321 -NMTC Extension Act of 2021 H.R. 1381 -Mainstreet Tax Certainty Act H.R. 1483 -REHAB Act of 2021 H.R. 1977 -Enhancing Credit Opportunities in Rural America Act H.R. 2143 -Neighborhood Homes Investment Act H.R. 2188 -Reopening America by Supporting Workers and Businesses Act H.R. 2189 -State Tax Freedom Act H.R. 2286 -taxes property transferred by gift or death as sold at market value H.R. 2288 -Investing in Our Communities Act H.R. 2294 -Historic Tax Credit Growth and Opportunity Act H.R. 2439 -SALT Fairness for Working Families Act H.R. 2558 -ALIGN Act H.R. 2573 -Affordable Housing Credit Improvement Act H.R. 2768 -American Housing and Economic Mobility Act of 2021 H.R. 2863 -First Time Homebuyer Act H.R. 3123 -Parity for Non-Traded REITS Act H.R. 3178 -Estate Tax Rate Reduction Act H.R. 3265 -Middle Class Savings Act H.R. 3324 -Incentivize Residential Energy Efficiency Act H.R. 3357 -Rural Jobs Act H.R. 3725 -Relief and Equity Through Small Business Tax Act H.R. 3805 -Millionaires Surtax Act H.R. 3903 -Tax Fairness Act H.R. 4165 -Uplifting First-Time Homebuyers Act of 2021 H.R. 4177 -Expanding Opportunity Zones Act H.R. 4940 -Real Corporate Profits Tax Act of 2021 H.R. 5376 -Build Back Better Act S. 98 -Neighborhood Homes Investment Act S. 456 -New Markets Tax Credit Extension Act of 2021 S. 480-Mainstreet Tax Certainty Act S. 1027-Tax Assistance for Crumbling Foundations Act S. 1136-Affordable Housing Credit Improvement Act S. 1166-Align Act S. 1368-American Housing and Economic Mobility Act S. 1403-Move America Act S. 1479-Home Lead Safety Credit Improvement Act S. 1499-REPAIR Act S. 1519-Save Hotel Jobs Act S. 1598-Carried Interest Fairness Act of 2021 S. 1627-Estate Tax Reduction Act S. 1652-Paying Fair Share Act S. 1653-SMART Act S. 1671-Rural Jobs Act S. 1753-Home Energy Savings Act S. 1768-Hope for HOMES Act S. 1805-SHELTER Act S. 2028-Millionaires Surtax Act S. 2234-Affordable Homes Act S. 2266-Historic Tax Credit Growth and Opportunity Act S. 2680-Real Corporate Profits Tax Act of 2021 S. 2820-DASH Act

S. 2182, Eviction Crisis Act , In support of ending the national housing crisis and assisting families struggling because of eviction; S. 1368/H.R. 2768, American Housing and Economic Mobility Act, In support of increasing access to affordable housing.

Client expense: $100,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Extension and Expansion of Credits for Paid Sick and Family Leave and Employee Retention HR1319 - The American Rescue Plan Act of 2021 State and Local Tax Deduction HR202 - SALT Fairness Act HR613 - SALT Deductibility Act HR946 - SALT Act HR2439 - SALT Fairness for Working Families Act HR3925 - SHELTER Act HR5565 - Banana Stand Money Act S85 - SALT Deductibility Act S804 - SALT Deduction Fairness Act Communications with the House of Representatives re: the SALT cap. Section 199A Deduction HR1381 - Main Street Certainty Act S480 - Main Street Tax Certainty Act S2387, the Small Business Tax Fairness Act Communications with the House Ways & Means Committee and the Senate Finance Committee opposing the repeal of the Section 199A Qualified Business Interest Deduction Opportunity Zones HR970 - The Opportunity Zone Extension Act HR4177 - The Expanding Opportunity Zones Act Communications with the U.S. Senate in support of extending the Qualified Opportunity Zone program deadlines. Section 1031 Like-Kind Exchanges HR1742 - The Real Estate Exchange Fairness Act Conversations with the U.S. House of Representatives and the U.S. Senate in support of retaining Section 1031 Like-Kind Exchanges. Neighborhood Homes Investment Act S98 - The Neighborhood Homes Investment Act HR2143 - The Neighborhood Homes Investment Act Conversations with the U.S. House of Representatives and the U.S. Senate supporting bolstering the NHIA. First time homebuyer tax credits HR2863 - First-Time Homebuyer Act of 2021 Conversations with the U.S. House of Representatives and the U.S. Senate in support of a first-time homebuyer tax credit. Low Income Housing Tax Credit HR4204, the Affordable House Act Conversations with the U.S. House of Representatives and the U.S. Senate in support of bolstering the Low Income Housing Tax Credit. Increasing Housing Supply Conversations with the U.S. House of Representatives and the U.S. Senate in support of tax incentives to create more housing supply and more housing options for first-time homebuyers. Communications with the House and Senate regarding legislative proposals to convert underused/abandoned commercial properties into residential real estate Estate Tax Reform HR1712 - Death Tax Repeal Act S617 - Death Tax Repeal Act Affordable Housing HR2573 - Affordable Housing Credit Improvement Act of 2021 HR2768 - American Housing and Economic Mobility Act S1136 - Affordable Housing Credit Improvement Act of 2021 S1368 - American Housing and Economic Mobility Act Commercial Real Estate Conversion Tax Credits HR4759 - The Revitalizing Downtowns Act S2511 - The Revitalizing Downtowns Act Carried Interest HR1068 - The Carried Interest Fairness Act S1598 - Carried Interest Fairness Act of 2021 Capital Gains Discussions regarding proposed legislation, the Sensible Taxation and Equity Promotion (STEP) Act. Communications with the House and Senate opposing increases to the capital gains tax rate and taxing of unrealized capital gains Energy Efficiency Tax Incentives HR2346 - E-QUIP Act Tax Credit for Disaster Mitigation/Expenses S1805 - Shelter Act REITs HR3123 - Parity for Non-Traded REITs Act Partnership Tax Rules Communications with the Senate Finance Committee about proposed legislation to change the partnership tax rules Tax Reform HR2275 - The Mortgage Debt Tax Forgiveness Act HR2276 - the Mortgage Insurance Tax Deduction Act HR2286 - A bill to treat property transferred by gift or at death as sold for fair market value S126 - A bill to amend the Internal Revenue Code of 1986 to make permanent the individual tax provisions of the tax reform law, and for other purposes. Communications with the House and Senate opposing changes to the "step-up in basis" provision Infrastructure Proposals HR5376 - Build Back Better Act Communications with the House and Senate regarding the pay-fors in the American Rescue Plan and the American Jobs Plan The Historic Tax Credit HR2266 - The Historic Tax Credit Growth and Opportunity Act HR2294 - The Historic Tax Credit Growth and Opportunity Act Discussions with the U.S. Treasury Department regarding tax policy, like-kind exchanges, capital gains, tax incentives for residential units, and the step-up in basis.

H.R. 1068 -Carried Interest Fairness Act of 2021 H.R. 1321 -NMTC Extension Act of 2021 H.R. 1381 -Mainstreet Tax Certainty Act H.R. 1483 -REHAB Act of 2021 H.R. 1977 -Enhancing Credit Opportunities in Rural America Act H.R. 2143 -Neighborhood Homes Investment Act H.R. 2188 -Reopening America by Supporting Workers and Businesses Act H.R. 2189 -State Tax Freedom Act H.R. 2286 -taxes property transferred by gift or death as sold at market value H.R. 2288 -Investing in Our Communities Act H.R. 2294 -Historic Tax Credit Growth and Opportunity Act H.R. 2439 -SALT Fairness for Working Families Act H.R. 2558 -ALIGN Act H.R. 2573 -Affordable Housing Credit Improvement Act H.R. 2768 -American Housing and Economic Mobility Act of 2021 H.R. 2863 -First Time Homebuyer Act H.R. 3123 -Parity for Non-Traded REITS Act H.R. 3178 -Estate Tax Rate Reduction Act H.R. 3265 -Middle Class Savings Act H.R. 3324 -Incentivize Residential Energy Efficiency Act H.R. 3357 -Rural Jobs Act H.R. 3725 -Relief and Equity Through Small Business Tax Act H.R. 3805 -Millionaires Surtax Act H.R. 3903 -Tax Fairness Act H.R. 4165 -Uplifting First-Time Homebuyers Act of 2021 H.R. 4177 -Expanding Opportunity Zones Act H.R. 4940 -Real Corporate Profits Tax Act of 2021 H.R. 5376 -Build Back Better Act S. 98 -Neighborhood Homes Investment Act S. 456 -New Markets Tax Credit Extension Act of 2021 S. 480-Mainstreet Tax Certainty Act S. 1027-Tax Assistance for Crumbling Foundations Act S. 1136-Affordable Housing Credit Improvement Act S. 1166-Align Act S. 1368-American Housing and Economic Mobility Act S. 1403-Move America Act S. 1479-Home Lead Safety Credit Improvement Act S. 1499-REPAIR Act S. 1519-Save Hotel Jobs Act S. 1598-Carried Interest Fairness Act of 2021 S. 1627-Estate Tax Reduction Act S. 1652-Paying Fair Share Act S. 1653-SMART Act S. 1671-Rural Jobs Act S. 1753-Home Energy Savings Act S. 1768-Hope for HOMES Act S. 1805-SHELTER Act S. 2028-Millionaires Surtax Act S. 2234-Affordable Homes Act S. 2266-Historic Tax Credit Growth and Opportunity Act S. 2680-Real Corporate Profits Tax Act of 2021 S. 2820-DASH Act

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws 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 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 fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's 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 CFPB's Leadership structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings 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 the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's 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 CFPB's consumer complaint database Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) 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 and innovation Issues related to the Fed's 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 the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System 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 consumer's access to records Issues related to Interchange Fees 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 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-Bases Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to digital identity legislation Issues related Paid Leave Payroll Tax Credits Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to troubled debt restructuring Issues related to Prompt Corective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan Application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal Issues related to credit union coverage under GNMA rules Issues related to Cryptocurrency and digital assets Issues related to the re-nomination of Todd Harper to the NCUA Board Issues related to examining frameworks to address future pandemic risk Issues related to the NDAA rate cap proposals Issues related to the collection of checks and other items by Federal Reserve Banks and Funds Transfers through Fedwire Issues related to the potential modifications to the Federal Reserve policy on payment system risk H.J. Res 35, providing for Congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" S.J. Res 15, a joint resolution providing for congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3684, Infrastructure Investment and Jobs Act, Sec. 90005, Extension of enterprise guarantee fees H.R. 3958, Central Liquidity Facility Enhancement Act H.R. 4773, the Consumer Financial Protection Commission Act H.R. 4905, Promoting New and Diverse Depository Institutions Act H.R. 5305, Extending Government Funding and Delivering Emergency Assistance Act H.R. 5189, Member Business Loan Expansion Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1767, the Credit Union Employee and Member Safety Act of 2021

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws 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 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 fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's 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 CFPB's Leadership structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings 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 the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's 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 CFPB's consumer complaint database Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) 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 and innovation Issues related to the Fed's 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 the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System 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 consumer's access to records Issues related to Interchange Fees 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 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-Bases Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to digital identity legislation Issues related Paid Leave Payroll Tax Credits Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to troubled debt restructuring Issues related to Prompt Corective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan Application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal Issues related to credit union coverage under GNMA rules Issues related to Cryptocurrency and digital assets Issues related to the re-nomination of Todd Harper to the NCUA Board Issues related to examining frameworks to address future pandemic risk Issues related to the NDAA rate cap proposals Issues related to the collection of checks and other items by Federal Reserve Banks and Funds Transfers through Fedwire Issues related to the potential modifications to the Federal Reserve policy on payment system risk H.J. Res 35, providing for Congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" S.J. Res 15, a joint resolution providing for congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3684, Infrastructure Investment and Jobs Act, Sec. 90005, Extension of enterprise guarantee fees H.R. 3958, Central Liquidity Facility Enhancement Act H.R. 4773, the Consumer Financial Protection Commission Act H.R. 4905, Promoting New and Diverse Depository Institutions Act H.R. 5305, Extending Government Funding and Delivering Emergency Assistance Act H.R. 5189, Member Business Loan Expansion Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1767, the Credit Union Employee and Member Safety Act of 2021

S. 2182, Eviction Crisis Act, In support of ending the national housing crisis and assisting families struggling because of eviction; S. 1368/H.R. 2768, American Housing and Economic Mobility Act, In support of increasing access to affordable housing.

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

GSE escrow shortage, urging FHFA to require GSE's to perform an escrow analysis before implementing a COVID-19 Payment Deferral Plan FHFA requiring Fannie Mae and Freddie Mac to submit Equitable Housing Finance Plans Homeowner Assistance Fund, reviewing implementation and challenges Support restoration of the Affirmatively Furthering Fair Housing (AFFH) rule to foster inclusive housing in communities Appropriations for Departments of Transportation, and Housing and Urban Development, and related agencies Restoring Disperate Impact standard as an enforcement tool, across all service areas, including auto lending and add-on/s Extension and servicing of pandemic related forclosure assistance H.R. 449 - Downpayment Toward Equity Act, a bill to provide downpayment assistance to first-generation homebuyers to address multigenerational inequities in access to homeownership and to narrow and ultimately close the racial homeownership gap in the United States, and for other purposes. H.R. 2547 - Comprehensive Debt Collection Improvement Act, a bill to expand and enhance consumer, student, servicemember, and small business protections with respect to debt collection practices, and for other purposes. H.R. 782 - Homeownership for DREAMers Act, a bill to clarify that eligibility of certain mortgages with Federal credit enhancement may not be conditioned on the status of a mortgagor as a DACA recipient if all other eligibility criteria are satisfied, and for other purposes. S. 1368 - American Housing and Economic Mobility Act, a bill to make housing more affordable, and for other purposes. Nominations for HUD, FHA

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

Extension and Expansion of Credits for Paid Sick and Family Leave and Employee Retention HR1319 - The American Rescue Plan Act of 2021 State and Local Tax Deduction HR202 - SALT Fairness Act HR613 - SALT Deductibility Act HR946 - SALT Act HR2439 - SALT Fairness for Working Families Act HR3925 - SHELTER Act HR5565 - Banana Stand Money Act S85 - SALT Deductibility Act S804 - SALT Deduction Fairness Act Communications with the House of Representatives re: the SALT cap. Section 199A Deduction HR1381 - Main Street Certainty Act S480 - Main Street Tax Certainty Act S2387, the Small Business Tax Fairness Act Communications with the House Ways & Means Committee and the Senate Finance Committee opposing the repeal of the Section 199A Qualified Business Interest Deduction Opportunity Zones HR970 - The Opportunity Zone Extension Act HR4177, the Expanding Opportunity Zones Act Section 1031 Like-Kind Exchanges HR1742 - The Real Estate Exchange Fairness Act Conversations with the U.S. House of Representatives and the U.S. Senate in support of retaining Section 1031 Like-Kind Exchanges. Neighborhood Homes Investment Act S98 - The Neighborhood Homes Investment Act HR2143 - The Neighborhood Homes Investment Act Conversations with the U.S. House of Representatives and the U.S. Senate supporting bolstering the NHIA. First time homebuyer tax credits HR2863 - First-Time Homebuyer Act of 2021 Conversations with the U.S. House of Representatives and the U.S. Senate in support of a first-time homebuyer tax credit. Low Income Housing Tax Credit HR4204, the Affordable House Act Conversations with the U.S. House of Representatives and the U.S. Senate in support of bolstering the Low Income Housing Tax Credit. Increasing Housing Supply Conversations with the U.S. House of Representatives and the U.S. Senate in support of tax incentives to create more housing supply and more housing options for first-time homebuyers. Communications with the House and Senate regarding legislative proposals to convert underused/abandoned commercial properties into residential real estate Estate Tax Reform HR1712 - Death Tax Repeal Act S617 - Death Tax Repeal Act Affordable Housing HR2573 - Affordable Housing Credit Improvement Act of 2021 HR2768 - American Housing and Economic Mobility Act S1136 - Affordable Housing Credit Improvement Act of 2021 S1368 - American Housing and Economic Mobility Act Commercial Real Estate Conversion Tax Credits HR4759 - The Revitalizing Downtowns Act S2511 - The Revitalizing Downtowns Act Carried Interest HR1068 - The Carried Interest Fairness Act S1598 - Carried Interest Fairness Act of 2021 Capital Gains Discussions regarding proposed legislation, the Sensible Taxation and Equity Promotion (STEP) Act. Communications with the House and Senate opposing increases to the capital gains tax rate and taxing of unrealized capital gains Energy Efficiency Tax Incentives HR2346 - E-QUIP Act Tax Credit for Disaster Mitigation/Expenses S1805 - Shelter Act REITs HR3123 - Parity for Non-Traded REITs Act Partnership Tax Rules Communications with the Senate Finance Committee about proposed legislation to change the partnership tax rules Tax Reform HR2275 - The Mortgage Debt Tax Forgiveness Act HR2276 - the Mortgage Insurance Tax Deduction Act HR2286 - A bill to treat property transferred by gift or at death as sold for fair market value S126 - A bill to amend the Internal Revenue Code of 1986 to make permanent the individual tax provisions of the tax reform law, and for other purposes. Communications with the House and Senate opposing changes to the "step-up in basis" provision Communications with the House Ways and Means Committee and Senate Finance Committee regarding proposed limitations on real estate investment Infrastructure Proposals HR5376 - Build Back Better Act Communications with the House and Senate regarding the pay-fors in the American Rescue Plan and the American Jobs Plan The Historic Tax Credit HR2266 - The Historic Tax Credit Growth and Opportunity Act HR2294 - The Historic Tax Credit Growth and Opportunity Act Discussions with the U.S. Treasury Department regarding tax policy, like-kind exchanges, capital gains, tax incentives for residential units, and the step-up in basis.

H.R. 1068 -Carried Interest Fairness Act of 2021 H.R. 1321 -NMTC Extension Act of 2021 H.R. 1381 -Mainstreet Tax Certainty Act H.R. 1483 -REHAB Act of 2021 H.R. 1977 -Enhancing Credit Opportunities in Rural America Act H.R. 2143 -Neighborhood Homes Investment Act H.R. 2188 -Reopening America by Supporting Workers and Businesses Act H.R. 2189 -State Tax Freedom Act H.R. 2286 -taxes property transferred by gift or death as sold at market value H.R. 2288 -Investing in Our Communities Act H.R. 2294 -Historic Tax Credit Growth and Opportunity Act H.R. 2439 -SALT Fairness for Working Families Act H.R. 2558 -ALIGN Act H.R. 2573 -Affordable Housing Credit Improvement Act H.R. 2768 -American Housing and Economic Mobility Act of 2021 H.R. 2863 -First Time Homebuyer Act H.R. 3123 -Parity for Non-Traded REITS Act H.R. 3178 -Estate Tax Rate Reduction Act H.R. 3265 -Middle Class Savings Act H.R. 3324 -Incentivize Residential Energy Efficiency Act H.R. 3357 -Rural Jobs Act H.R. 3725 -Relief and Equity Through Small Business Tax Act H.R. 3805 -Millionaires Surtax Act H.R. 3903 -Tax Fairness Act H.R. 4165 -Uplifting First-Time Homebuyers Act of 2021 H.R. 4177 -Expanding Opportunity Zones Act H.R. 4940 -Real Corporate Profits Tax Act of 2021 H.R. 5376 -Build Back Better Act S. 98 -Neighborhood Homes Investment Act S. 456 -New Markets Tax Credit Extension Act of 2021 S. 480-Mainstreet Tax Certainty Act S. 1027-Tax Assistance for Crumbling Foundations Act S. 1136-Affordable Housing Credit Improvement Act S. 1166-Align Act S. 1368-American Housing and Economic Mobility Act S. 1403-Move America Act S. 1479-Home Lead Safety Credit Improvement Act S. 1499-REPAIR Act S. 1519-Save Hotel Jobs Act S. 1598-Carried Interest Fairness Act of 2021 S. 1627-Estate Tax Reduction Act S. 1652-Paying Fair Share Act S. 1653-SMART Act S. 1671-Rural Jobs Act S. 1753-Home Energy Savings Act S. 1768-Hope for HOMES Act S. 1805-SHELTER Act S. 2028-Millionaires Surtax Act S. 2234-Affordable Homes Act S. 2266-Historic Tax Credit Growth and Opportunity Act S. 2680-Real Corporate Profits Tax Act of 2021 S. 2820-DASH Act

Budget Reconciliation - U.S. House Low-income housing tax credit - U.S. House and Senate Infrastructure - U.S. House and Senate Bills: H.R. 2573 The Affordable Housing Credit Improvement Act of 2021 The Decent, Affordable, Safe Housing for All (DASH) Act H.R. 3684 Infrastructure Investment and Jobs Act H.R. 227 Build America Act of 2021 H.R. 4497 Housing is Infrastructure Act of 2021 S.1368 American Housing and Economic Mobility Act of 2021 H.R.2768 American Housing and Economic Mobility Act of 2021 S.598 Public Housing Emergency Response Act H.R.235 Public Housing Emergency Response Act S.1218 Green New Deal for Public Housing Act H.R.2664 Green New Deal for Public Housing Act S.1136 Affordable Housing Credit Improvement Act of 2021 H.R.2573 Affordable Housing Credit Improvement Act of 2021 S.2190 Task Force on the Impact of the Affordable Housing Crisis Act of 2021 H.R. 4496 Ending Homelessness Act of 2021 H.R.1728 Strategy and Investment in Rural Housing Preservation Act of 2021

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Budget Reconciliation - U.S. House Low-income housing tax credit - U.S. House and Senate Infrastructure - U.S. House and Senate Bills: H.R. 2573 The Affordable Housing Credit Improvement Act of 2021 The Decent, Affordable, Safe Housing for All (DASH) Act H.R. 3684 Infrastructure Investment and Jobs Act H.R. 227 Build America Act of 2021 H.R. 4497 Housing is Infrastructure Act of 2021 S.1368 American Housing and Economic Mobility Act of 2021 H.R.2768 American Housing and Economic Mobility Act of 2021 S.598 Public Housing Emergency Response Act H.R.235 Public Housing Emergency Response Act S.1218 Green New Deal for Public Housing Act H.R.2664 Green New Deal for Public Housing Act S.1136 Affordable Housing Credit Improvement Act of 2021 H.R.2573 Affordable Housing Credit Improvement Act of 2021 S.2190 Task Force on the Impact of the Affordable Housing Crisis Act of 2021 H.R. 4496 Ending Homelessness Act of 2021 H.R.1728 Strategy and Investment in Rural Housing Preservation Act of 2021

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Budget Reconciliation - U.S. House Low-income housing tax credit - U.S. House and Senate Infrastructure - U.S. House and Senate Bills: H.R. 2573 The Affordable Housing Credit Improvement Act of 2021 The Decent, Affordable, Safe Housing for All (DASH) Act H.R. 3684 Infrastructure Investment and Jobs Act H.R. 227 Build America Act of 2021 H.R. 4497 Housing is Infrastructure Act of 2021 S.1368 American Housing and Economic Mobility Act of 2021 H.R.2768 American Housing and Economic Mobility Act of 2021 S.598 Public Housing Emergency Response Act H.R.235 Public Housing Emergency Response Act S.1218 Green New Deal for Public Housing Act H.R.2664 Green New Deal for Public Housing Act S.1136 Affordable Housing Credit Improvement Act of 2021 H.R.2573 Affordable Housing Credit Improvement Act of 2021 S.2190 Task Force on the Impact of the Affordable Housing Crisis Act of 2021 H.R. 4496 Ending Homelessness Act of 2021 H.R.1728 Strategy and Investment in Rural Housing Preservation Act of 2021

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

PN433 - Nomination of Solomon Jeffrey Greene to be Assistant Secretary of Housing and Urban Development H.R. 4497 - Housing is Infrastructure Act of 2021 H.R. 4496 - Ending Homelessness Act of 2021 H.R. 4495 - Downpayment Toward Equity Act of 2021 H.R. 2768 - American Housing and Economic Mobility Act of 2021 H.R. 2126 - Housing Supply and Affordability Act H.R. 3198 - Yes In My Backyard Act S. 1614 - Yes In My Backyard Act S. 902 - Housing Supply and Affordability Act S. 1368 - American Housing and Economic Mobility Act of 2021

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

S. 2182, Eviction Crisis Act, In support of ending the national housing crisis and assisting families struggling because of eviction; S. 1368/H.R. 2768, American Housing and Economic Mobility Act, In support of increasing access to affordable housing.

Client expense: $130,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Extension and Expansion of Credits for Paid Sick and Family Leave and Employee Retention HR1319 - The American Rescue Plan Act of 2021 State and Local Tax Deduction HR__ - SALT Relief and Marriage Penalty Elimination Act HR202 - SALT Fairness Act HR613 - SALT Deductibility Act HR946 - SALT Act HR2439 - SALT Fairness for Working Families Act S85 - SALT Deductibility Act S804 - SALT Deduction Fairness Act Section 199A Deduction HR1381 - Main Street Certainty Act S480 - Main Street Tax Certainty Act Communications with the House Ways & Means Committee and the Senate Finance Committee opposing the repeal of the Section 199A Qualified Business Interest Deduction Opportunity Zones HR970 - The Opportunity Zone Extension Act Section 1031 Like-Kind Exchanges Conversations with the U.S. House of Representatives and the U.S. Senate in support of retaining Section 1031 Like-Kind Exchanges. Neighborhood Homes Investment Act S98 - The Neighborhood Homes Investment Act HR2143 - The Neighborhood Homes Investment Act Conversations with the U.S. House of Representatives and the U.S. Senate supporting bolstering the NHIA. First time homebuyer tax credits HR2863 - First-Time Homebuyer Act of 2021 Conversations with the U.S. House of Representatives and the U.S. Senate in support of a first-time homebuyer tax credit. Low Income Housing Tax Credit Conversations with the U.S. House of Representatives and the U.S. Senate in support of bolstering the Low Income Housing Tax Credit. Increasing Housing Supply Conversations with the U.S. House of Representatives and the U.S. Senate in support of tax incentives to create more housing supply and more housing options for first-time homebuyers. Communications with the House and Senate regarding legislative proposals to convert underused/abandoned commercial properties into residential real estate Estate Tax Reform HR1712 - Death Tax Repeal Act S617 - Death Tax Repeal Act Affordable Housing HR2573 - Affordable Housing Credit Improvement Act of 2021 HR2768 - American Housing and Economic Mobility Act S1136 - Affordable Housing Credit Improvement Act of 2021 S1368 - American Housing and Economic Mobility Act Carried Interest HR1068 - The Carried Interest Fairness Act S1598 - Carried Interest Fairness Act of 2021 Capital Gains Discussions regarding proposed legislation, the Sensible Taxation and Equity Promotion (STEP) Act. Communications with the House and Senate opposing increases to the capital gains tax rate and taxing of unrealized capital gains Energy Efficiency Tax Incentives HR2346 - E-QUIP Act Tax Credit for Disaster Mitigation/Expenses S1805 - Shelter Act REITs HR3123 - Parity for Non-Traded REITs Act Tax Reform S126 - A bill to amend the Internal Revenue Code of 1986 to make permanent the individual tax provisions of the tax reform law, and for other purposes. Communications with the House and Senate opposing changes to the "step-up in basis" provision Infrastructure Proposals Communications with the House and Senate regarding the pay-fors in the American Rescue Plan and the American Jobs Plan Discussions with the U.S. Treasury Department regarding tax policy, 1031 like-kind exchanges, capital gains, and tax incentives for building residential housing units.

Issues related to Federal Credit Union Charter Modernization Issues related to credit union operations Issues related to credit union field of membership Issues related to credit union service organization Issues related to NCUA's low income designation regulation Issues related to NCUA examination procedures Issues related to NCUA's regulation regarding liquidity Issues related to NCUA's rulemaking process Issues related to NCUA's regulatory review process Issues related to Federal Credit Union Bylaws 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 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 fixed assets Issues related to credit union conversions Issues related to credit union call report modernization Issues related to NCUA's Corporate Credit Union Stabilization Plan Issues related to NCUA's 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 CFPB's Leadership structure and Installing a Board rather than a Director Issues related to codifying the CFPB's Credit Union Advisory Council Issues related to requiring SBREFA Panels for CFPB Rulemakings 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 the CFPB's rule regarding qualified mortgage / ability to repay Issues related to the CFPB's regulation on Home Mortgage Disclosure Act (Regulation C) Issues related to the CFPB's 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 CFPB's consumer complaint database Issues related to the CFPB's consumer complaint database Issues related to the Department of Justice's investigation entitled, "Operation Choke Point" Issues related to indirect auto lending Issues related to credit union service to unbanked and underbanked consumers Issues related to the Financial Accounting Standards Board (FASB) 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 and innovation Issues related to the Fed's 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 the USDA Rural Development Loan Program Issues related to the Federal Home Loan Bank System 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 consumer's access to records Issues related to Interchange Fees 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 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-Bases Quantitative Testing of Point of Sale / ATM Overdraft Disclosure Forms Issues related to residential appraisals Issues related to FHA appraisal certification Issues related to FHA and USDA Loan Modifications Issues related to Faster Payments Issues related to the Fair Credit Reporting Act Issues related to cooperative funding sources in federal appropriations legislation Issues related to regulation of debt collection activity Issues related to capital reform for credit unions Issues related to diversity and inclusion in Financial Services Issues related to Section 124 of the Federal Credit Union Act Issues related to the Consumer Financial Protection Bureau's No-Action Letters and the BCFP Product Sandbox Issues related to enterprise validation and approval of credit score models Issues related to the availability of Funds and Collection of Checks (Regulation CC) Issues related to arbitration clauses Issues related to SBA 7(a) loan program Issues related to financial institutions operating on military installations Issues related to postal banking Issues related to Telephone Consumer Protection Act Issues related to financial technology (FINTECH) Issues related to robocalls and the draft Declatory Ruling (the ruling) and Third Further Notice of Proposted Rulemaking (FNPRM) CG Docket No 17-59, WC Docket No. 17 - 97 Issues related to payday and small dollar lending Issues related to leases of non-excess property on military bases Issues related to Opportunity Zones Issues related to minority homeownership Issues related to the ability of Federal Credit unions to establish their own fiscal year Issues related to a requirement that Federal credit unions file certain information regarding loan officers Issues related to enhancing flexibility of Federal Credit Unions to schedule board meetings Issues related to removing certain outdated responsibilites of Federal credit union board of directors Issues related to permitting Federal credit unions to expel disruptive members for just cause without a vote Issues related to permitting balloting for conversions from state to federal charter and from federal to state charter to be conducted electronically Issues related to PACE Loans Issues related to minority depository insitutions Issues related to AI and cloud computing Issues related to the Consumer Online Privacy Rights Act Issues related to COVID-19 crisis response legislation Issues related to the Paycheck Protection Program Issues related to Taxi Medallion loans Issues related to QRM Risk Retection Review Issues related to NCUA's proposed rule on combination transactions Issues related to the regulation of credit unions as employers Issues related to liability protections for businesses Issues related to remote notary Issues related to digital identity legislation Issues related Paid Leave Payroll Tax Credits Issues related to Economic Impact Payments Issues related to Fed Accounts Issues related to the Federal Reserve's Main Street Lending Program Issues related to troubled debt restructuring Issues related to Prompt Corective Action requirements Issues related to NCUA subordinated debt rulemaking Issues related to Uniform Residential Loan Application Issues related to digitalization of money Issues related to electronic signatures on wire transfer documents Issues related to cybercriminal activity during COVID-19 Issues related to lender forebearance Issues related to Paycheck Protection Program forgiveness process Issues related to Agriculture Lending Issues related to OCC payment charters Issues related to the Student Empowerment and Financial Literacy Act Issues related to OCC National Bank and Savings Association Digital Activities Issues related to the treatment of certain COVID-19 Loss Mitigation options under RESPA (Reg X) Issues related to premium assessments by the National Credit Union Share Insurance Issues related to the proposed exclusion of PPP Loans from financial institution asset calculations Issues related to Section 4013 of the CARES Act Issues related to Section 4016 of the CARES Act Issues related tot he oversight of prudential regulators Issues related to PAL 1 Program Issues related to credit union asset size thresholds for regulatory compliance Issues related to NCUA MERIT examination system Issues related to NCUA Derivatives rulemaking Issues related to mortgage servicer assistance Issues related to Section 4022 of the CARES Act Issues related to the ability of NCUA to offer forbearance from Prompt Corrective Action Requirements Issues related to Temporarily Excluding Certain Low-Risk Assets from the Credit Union Net Worth Ratio Issues related to London Inter-Bank Offered Rate (LIBOR) Issues related to the regulation of Federal Employment Laws Issues related to the Office of Comptroller Charter Issues related to the Crypto Charter Issues related to the Solar Winds Data Breach Issues related to PPP Loan Necessity Questionnaires Issues related to SBA Economic Injury Disaster Loan Advances Issues related to Seasoned QM Loan Definitions Issues related to FHFA Strategic Plan for 2021-2024 Issues related to GSE Housing Goals Issues related to Member Business Lending Issues related to interest rate caps Issues related to Federal Housing Finance Agency's (FHFA) recapitalization plans Issues related to rental and mortgage payment assistance Issues related to BSA / AML Regulation Issues related to CECL Accounting requirements Issues related to climate control issues and effect on financial institutions Issues related to UDAAP guidance and requirements Issues related to risk-based capital requirements Issues related to NCUA's Communications and Transparency Issues related to Enterprise liquidity framework (FHFA) Issues related to the discussion draft of the Expanding Financial Access for Underserved Communities Act Issues related to the NCUA's Capitalization of Interest in Connection with Loan Workouts and Modifications Rulemaking Issues related to the Federal Reserve's proposed Regulation II Issues related to Capitalizing interest on consumer loans Issues related to Cryptocurrency Issues related to proposed postal banking pilot program Issues related to proposed new tax reporting requirements for financial institutions Issues related to the implementation of consumer financial protection laws Issues related to the safety and soundness regulations of credit unions Issues related to investment authority Issues related to BSA / AML regulation and Cannabis Banking Issues related to rate cap legislation and the Military Lending Act Issues related to credit card interchange fees and routing Issues related to FY22 National Defense Authorization Act Issues related to NCUA Central Liquidity Facility Issues related to Climate and Natural disaster risk management at regulated entities Issues related to PSPA / QM Conflict Issues related to CAMELS proposal H.J. Res 35, providing for Congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" S.J. Res 15, a joint resolution providing for congressional disapproval under Chapter 8 of title 5, United States Code, of the rule submitted by the Office of the Comptroller of the Currency relating to "National Banks and Federal Savings Associations as Lenders" H.R. 133, the Consolidated Appropriations Act (2020) H.R. 1319, American Rescue Plan Act of 2021 H.R. 1395, the Housing Financial Literacy Act of 2021 H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act 0f 2021 H.R. 1996, Secure and Fair Enforcement (SAFE) Banking Act of 2021 H.R. 2040, the Financial Reporting Threshold Modernization Act H.R. 2311, To amend the Federal Credit Union Act to modernize certain processes regarding expulsion of credit union members for cause, and for other purposes H.R. 2547, the Comprehensive Debt Collection Improvement Act H.R. 3958, Central Liquidity Facility Enhancement Act S. 254, A bill to establish a Homeowner Assistance Fund at the Department of the Treasury S. 337, Stop Senior Scams Act S. 762, A bill to provide the National Credit Union Administration Board flexibility to increase Federal credit union loan maturities, and for other purposes S. 910, SAFE Banking Act of 2021 S. 1368, American Housing and Economic Mobility Act of 2021 S. 1767, the Credit Union Employee and Member Safety Act of 2021

-Policies that are related to the Community Reinvestment Act -Comments related to bank mergers and bank charters -Support For The Greater Supervision In Banking Act (H.R. 3948) -Support for S.1368 and H.R.2768, the American Housing and Economic Mobility Act -Letters Regarding Qualified mortgage -Joint Industry-Advocates Letter On Delaying Compliance With The General Loan Definition Under The CFPBs Qualified Mortgage Rule -Sign-on Letter regarding OCC "true lender" rule -Support for Veterans and Consumers Fair Credit Act -Letter Regarding Application for Deposit Insurance (New Bank) from PayServices, Inc.

Client expense: $9,872 · Firm income: Not reported

Government targets: Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of