Middle Class Mortgage Insurance Premium Act of 2022

1. Tax Extenders and H.R. 6109, S. 3590 and new bills for 117th Congress S. 1938 and H.R. 4212 - The Middle-Class Mortgage Insurance Premium Acts. 2. H.R. 1 of 2017 - The Tax Cuts and Jobs Act - and The Tax Extenders - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages. 3. Government-Sponsored Enterprise/Housing Finance Reform legislation. 4. Federal Housing Administration/Ginnie Mae Administrative Action and legislation. 5. FHFAs Enterprise Capital Framework and following amendments. 6. FHFAs New Products and Activities Rule for the GSEs (implemented April 2023). 7. FHFAs Equitable Housing Finance Plans for the GSEs. 8. FHFAs pricing review and Loan Level Price Adjustment changes via FHFAs new Enterprise Pricing Framework. 9. FHA Premiums. 10. Basel III Endgame Proposal. 11. Housing Finance Reform - to increase the role of private capital, specifically Mortgage Insurance. 12. Comprehensive (and/or piecemeal) Housing Finance Reform proposals 13. Further Administrative Reforms for Treasury and the GSEs

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

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1. Tax Extenders and H.R. 6109, S. 3590 and new bills for 117th Congress S. 1938 and H.R. 4212 - The Middle-Class Mortgage Insurance Premium Acts. 2. H.R. 1 of 2017 - The Tax Cuts and Jobs Act - and The Tax Extenders - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages. 3. Government-Sponsored Enterprise/Housing Finance Reform legislation. 4. Federal Housing Administration/Ginnie Mae Administrative Action and legislation. 5. FHFAs Enterprise Capital Framework and following amendments. 6. FHFAs New Products and Activities Rule for the GSEs (implemented April 2023). 7. FHFAs Equitable Housing Finance Plans for the GSEs. 8. Tracking financial services, specifically housing industry legislation and anything related to mortgage forbearance due to COVID - e.g. The CARES Act (enacted into law) (H.R. 748), The HEROES Act (H.R. 6800), The American Rescue Plan (H.R. 1319), Build Back Better - President Bidens infrastructure and tax proposals and any future federal assistance/relief directed to the COVID-19 Pandemic. 9. FHFAs pricing review and Loan Level Price Adjustment changes via FHFAs new Enterprise Pricing Framework. 10. FHA Premiums. 11. Basel III Endgame Proposal. 12. Overseeing the implementation of the P/A rule, product by product. Issue: Housing Finance Reform - to increase the role of private capital, specifically Mortgage Insurance. Issue: Comprehensive (and/or piecemeal) Housing Finance Reform proposals Further Administrative Reforms for Treasury and the GSEs

Client expense: $340,352 · Firm income: Not reported

1. Tax Extenders and H.R. 6109, S. 3590 and new bills for 117th Congress S. 1938 and H.R. 4212 - The Middle-Class Mortgage Insurance Premium Acts. 2. H.R. 1 of 2017 - The Tax Cuts and Jobs Act - and The Tax Extenders - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages. 3. Government-Sponsored Enterprise/Housing Finance Reform legislation. 4. Federal Housing Administration/Ginnie Mae Administrative Action and legislation. 5. FHFAs Enterprise Capital Framework and following amendments. 6. FHFAs New Products and Activities Rule for the GSEs (implemented April 2023). 7. FHFAs Equitable Housing Finance Plans for the GSEs. 8. FHFAs pricing review and Loan Level Price Adjustment changes via FHFAs new Enterprise Pricing Framework. 9. FHA Premiums. 10. Basel III Endgame Proposal. 11. Housing Finance Reform - to increase the role of private capital, specifically Mortgage Insurance. 12. Comprehensive (and/or piecemeal) Housing Finance Reform proposals 13. Further Administrative Reforms for Treasury and the GSEs

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

1. Tax Extenders and H.R. 6109, S. 3590 and new bills for 117th Congress S. 1938 and H.R. 4212 - The Middle-Class Mortgage Insurance Premium Acts. 2. H.R. 1 of 2017 - The Tax Cuts and Jobs Act - and The Tax Extenders - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages. 3. Government-Sponsored Enterprise/Housing Finance Reform legislation. 4. Federal Housing Administration/Ginnie Mae Administrative Action and legislation. 5. FHFAs Enterprise Capital Framework and following amendments. 6. FHFAs Products/Activities Rule for the GSEs. 7. FHFAs Equitable Housing Finance Plans for the GSEs. 8. Tracking financial services, specifically housing industry legislation and anything related to mortgage forbearance due to COVID - e.g. The CARES Act (enacted into law) (H.R. 748), The HEROES Act (H.R. 6800), The American Rescue Plan (H.R. 1319), Build Back Better - President Bidens infrastructure and tax proposals and any future federal assistance/relief directed to the COVID-19 Pandemic. 9. FHFAs pricing review and Loan Level Price Adjustment changes via FHFAs new Enterprise Pricing Framework. 10. FHA Premiums. 11. SEC Conflict of Interest re-proposal #192. Issue: Housing Finance Reform - to increase the role of private capital, specifically Mortgage Insurance. Issue: Comprehensive (and/or piecemeal) Housing Finance Reform proposals Further Administrative Reforms for Treasury and the GSEs

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

Tax Extenders- H.R.3301- to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages H.R. 1 of 2017 - Tax Law - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages H.R. 6109 and S. 3590 - The Middle Class Mortgage Insurance Premium Acts H.R. 4212 and S. 1938 - 117th Congress Mortgage Insurance Deductibility bills

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

Tax Extenders- H.R.3301- to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages H.R. 1 of 2017 - Tax Law - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages H.R. 6109 and S. 3590 - The Middle Class Mortgage Insurance Premium Acts. H.R. 4212 and S. 1938 - 117th Congress Mortgage Insurance Deductibility bills.

Client expense: $322,161 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1. Tax Extenders and H.R. 6109, S. 3590 and new bills for 117th Congress S. 1938 and H.R. 4212 - The Middle-Class Mortgage Insurance Premium Acts. 2. H.R. 1 of 2017 - The Tax Cuts and Jobs Act - and The Tax Extenders - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages. 3. Government-Sponsored Enterprise/Housing Finance Reform legislation. 4. Federal Housing Administration/Ginnie Mae Administrative Action and legislation. 5. FHFAs Enterprise Capital Framework and following amendments. 6. FHFAs Products/Activities Rule for the GSEs. 7. FHFAs Equitable Housing Finance Plans for the GSEs. 8. Tracking financial services, specifically housing industry legislation and anything related to mortgage forbearance due to COVID - e.g. The CARES Act (enacted into law) (H.R. 748), The HEROES Act (H.R. 6800), The American Rescue Plan (H.R. 1319), Build Back Better - President Bidens infrastructure and tax proposals and any future federal assistance/relief directed to the COVID-19 Pandemic. 9. FHFAs pricing review and Loan Level Price Adjustment changes via FHFAs new Enterprise Pricing Framework. 10. FHA Premiums. 11. SEC Conflict of Interest re-proposal #192. Issue: Housing Finance Reform - to increase the role of private capital, specifically Mortgage Insurance. Issue: Comprehensive (and/or piecemeal) Housing Finance Reform proposals Further Administrative Reforms for Treasury and the GSEs

Client expense: $322,161 · Firm income: Not reported

Tax Extenders- H.R.3301- to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages H.R. 1 of 2017 - Tax Law - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages H.R. 6109 and S. 3590 - The Middle Class Mortgage Insurance Premium Acts

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

1. Tax Extenders and H.R. 6109 and S. 3590 - The Middle-Class Mortgage Insurance Premium Acts. 2. H.R. 1 of 2017 - The Tax Cuts and Jobs Act - and The Tax Extenders - to achieve parity between the Mortgage Insurance Deduction and SecondLien Mortgages. 3. Government-Sponsored Enterprise/Housing Finance Reform legislation. 4. Federal Housing Administration/Ginnie Mae Administrative Action and legislation. 5. FHFAs Enterprise Capital Framework and following amendments. 6. FHFAs Products/Activities Rule for the GSEs. 7. FHFAs Equitable Housing Finance Plans for the GSEs. 8. Tracking financial services, specifically housing industry legislation and anything related to mortgage forbearance due to COVID - e.g. TheCARES Act (enacted into law) (H.R. 748), The HEROES Act (H.R. 6800), The American Rescue Plan (H.R. 1319), Build Back Better - PresidentBidens infrastructure and tax proposals and any future federal assistance/relief directed to the COVID-19 Pandemic. 9. FHFAs pricing review and Loan Level Price Adjustment changes via FHFAs new Enterprise Pricing Framework. 10. FHA Premiums. 11. SEC Conflict of Interest re-proposal #192. Issue: Housing Finance Reform - to increase the role of private capital, specifically Mortgage Insurance. Issue: Comprehensive (and/or piecemeal) Housing Finance Reform proposals Further Administrative Reforms for Treasury and the GSEs

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

Tax Extenders- H.R.3301- to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages H.R. 1 of 2017 - Tax Law - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages H.R. 6109 and S. 3590 - The Middle Class Mortgage Insurance Premium Acts

Client expense: $331,310 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1. Tax Extenders and H.R. 6109 and S. 3590 - The Middle-Class Mortgage Insurance Premium Acts. 2. H.R. 1 of 2017 - The Tax Cuts and Jobs Act - and The Tax Extenders - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages. 3. Government-Sponsored Enterprise/Housing Finance Reform legislation. 4. Federal Housing Administration/Ginnie Mae Administrative Action and legislation. 5. FHFAs Enterprise Capital Framework and following amendments. 6. FHFAs Products/Activities Rule for the GSEs. 7. FHFAs Equitable Housing Finance Plans for the GSEs. 8. Tracking financial services, specifically housing industry legislation and anything related to mortgage forbearance due to COVID - e.g. The CARES Act (enacted into law) (H.R. 748), The HEROES Act (H.R. 6800), The American Rescue Plan (H.R. 1319), Build Back Better - President Bidens infrastructure and tax proposals and any future federal assistance/relief directed to the COVID-19 Pandemic. 9. FHFAs pricing review and Loan Level Price Adjustment changes via FHFAs new Enterprise Pricing Framework. 10. FHA Premiums. 11. SEC Conflict of Interest re-proposal #192. Issue: Housing Finance Reform - to increase the role of private capital, specifically Mortgage Insurance. Issue: Comprehensive (and/or piecemeal) Housing Finance Reform proposals Further Administrative Reforms for Treasury and the GSEs

Client expense: $331,310 · Firm income: Not reported

Protect the credit union tax exemption; Support legislation and regulation that helps credit unions grow membership, loans, and retained earnings in order to serve their 127 million members; Support regulatory relief for credit unions; Provide guidance or rulemakings rather than rule through enforcement; Support increase in funding for CDFI Fund, MDIs, and the CDRLF; Fair Market: This includes ensuring all lenders are following the same rules of the road and protecting consumers, including making fintechs, predatory payday lenders, and other non-regulated entities subject to proper oversight; Technology and Innovation: As new technologies emerge and disrupt finance, the NCUA needs to foster strong fintech partnerships to help credit unions and support credit unions ability to provide custodial services for digital assets and utilize blockchain technologies; Regulatory Relief: Remove the CFPBs examination and enforcement powers over credit unions, retain the NCUA Boards bipartisan three-member structure, and oppose efforts to place new restrictions on lending and credit reporting that will inhibit credit unions from helping their members; Data Protection: Encouraging federal standards for data privacy and data security that recognize existing regulatory requirements for credit unions, such as a federal standard of privacy rules that aligns with our principles outlined in our white paper; Support extending GLBA like data security measures to retailers; Support recognizing GLBA compliance in any privacy legislation; Oppose SBA direct lending authority; Support improvements to ease the process for forgiveness of PPP loans to small businesses; Oppose limits on fee income for credit unions including courtesy pay; Support CFPB study of overdraft programs to determine the value to consumers; Support limiting burdens of HMDA rule on credit unions; CFPB should remove unnecessary and unused data points related to HMDA reporting; Support permanently increasing reporting thresholds for open- and closed-end loans; Prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products; CFPB should make greater use of Section 1022 of the Dodd-Frank Act to exempt credit unions from rules where appropriate; CFPB should engage in interagency coordination on Section 1033 consumer access to financial records rulemaking; Oppose CFPBs characterization of regulated and disclosed financial services fees as junk fees; CFPB should explore streamlining required fee disclosures; CFPB should clarify UDAAP authority; CFPB should respect GLBAs data security regulatory structure; CFPB should limit impact and burden from proposed rule related to Section 1071 Small Business Lending Data Collection (RIN: 3170-AA09); Improve examination coordination between CFPB and NCUA; Support permanent adoption of CFPBs expired temporary relief of E-SIGN regulation; Support CFPB exercise of larger participant authority to oversee fintech companies; Support fair distribution of Regulation E error resolution responsibilities; Support clear regulatory framework for digital assets to encourage responsible innovation and permit credit union participation; Support CDFI Fund transparency on certification changes; Support streamlining and modernization of CDFI Fund certification process; Support Congressional oversight of SBAs Affiliation and Small Business Lending Company proposed rules; Support tax deduction for mortgage insurance premiums; Support modification or removal of the credit union member business lending cap; FHFA should allow GSEs to purchase non-conforming loans from CDFIs; Support alternative credit scoring models; Oppose development of a CBDC; Support prevention of an NFIP lapse; Support improving veterans access to capital by exempting credit unions business loans to veterans from the credit union member business lending cap; Support expanding the definition of Community Financial Institutions (CFIs) in the Federal Home Loan Bank Act (FHLB Act) to include credit unions and Treasury-certified non-depository community development financial institutions; Oppose any interchange/swipe fee legislation including related to routing or any form of market manipulation; Support parity for credit unions related to stablecoin regulation; Treasury should address the demand for coins to help consumers who rely on cash transactions; Support addressing appraisal bias and modernize the appraisal process for consistency; Support for forced arbitration - studies show consumers benefit more often from arbitration than litigation; Support easing requirements for de novo credit unions; Support providing flexibility for credit unions to issue subordinated debt; Support H.R. 5189, the Member Business Loan Expansion Act; Support the Federal Home Loan Banks' Mission Implementation Act (H.R. 3323, S.1684); Support H.R. 4773, the Consumer Financial Protection Commission Act; Oppose legislation granting NCUA third-party vendor examination authority (H.R. 7022, S. 4698); Oppose Credit Card Competition Act (H.R. 8874, S. 4674); Support SAFE Banking Act (H.R. 1996, S. 910); Support Central Liquidity Facility Enhancement Act (H.R. 3958, S. 5183); Support Credit Union Board Modernization Act (H.R. 6889, S. 4325); Support Expanding Financial Access for Underserved Communities Act (H.R. 7003, S. 4879); Support CDFI Bond Guarantee Program Improvement Act (H.R. 7733, S. 3441); Support Title III, Subtitle C of H.R. 2543 - Promoting and Advancing Communities of Color Through Inclusive Lending; Support S. 3590, the Middle Class Mortgage Insurance Premium Act; Oppose inclusion of the Credit Card Competition Act (H.R. 8874, S. 4674) or NCUA third-party vendor examination authority (H.R. 7022, S. 4698) in the FY 2023 NDAA; Support H.R. 5912, the Close the ILC Loophole Act; Support S. 762, the Expanding Access to Lending Options Act; Oppose Senate NDAA amendments 6201 and 6174 on credit card interchange; Support S. 4165, the CDFI Crisis Fund Act; Oppose H.R. 4277, the Overdraft Protection Act; Oppose FDCPA changes that improperly burden creditors in H.R. 6814, the Small Business Fair Debt Collection Protection Act; Oppose inclusion of bank lease provision in FY 2023 NDAA; Oppose H.R. 8152, the American Data Privacy and Protection Act; Support H.R. 5911, the Fair Hiring in Banking Act; Support H.R. 4590, the Promoting New and Diverse Depository Institutions Act; Oppose H.R. 8485, the Expanding Access to Credit through Consumer-Permissioned Data Act; Support the Small LENDER Act (H.R. 6732, S. 4004); Support H.R. 7628, the Improve the SBA Act; Support the SECURE Notarization Act (H.R. 3962, S. 1625); Support the TAILOR Act (H.R. 766, S. 3745); Support the Transparency in Consumer Financial Protection Bureau (CFPB) Cost-Benefit Analysis Act (H.R. 7412, S.4522); Support H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act; Oppose H.R. 963, the Forced Arbitration Injustice Repeal (FAIR) Act; Support S. 5189, the Close the Shadow Banking Loophole Act; Support for Advancing Technologies to Support Inclusion Act discussion draft; Support for Creation of Diverse and Mission-Driven Community Financial Institutions Act discussion draft; Comments to SBA on RIN 3245-AH87 expressing concern about interaction between Affiliation and Small Business Lending Company proposed rules; Request for extension of temporary NCUA relief on loan participation and eligible obligation regulations due to the COVID-19 pandemic; Request for clarification of CFPB authority and intention for auto loan data collection; Comments to Treasury Dept on Docket No. 2022-21524 requesting streamlined applications for federal community investment programs; Comments to CDFI Fund on Docket No. 2022-22767 requesting modification of proposed pre-approved Target Market assessment methodologies; Comments to EPA on Docket ID No. EPA-HQ-OA-2022-0859 opposing establishment of single national green bank and supporting credit union inclusion as indirect recipients of Greenhouse Gas Reduction Fund disbursements; Comments to NCUA on RIN: 3133-AF43 supporting the elimination of the maximum maturity requirement for subordinated debt; Comments to CDFI Fund on Docket No. 2022-24082 opposing changes to CDFI certification requirements; Comments to NCUA on Docket No. NCUA-2022-0132 opposing overly complex member expulsion process; Support delay of GSEs credit fee caps effective date; Comments to CFPB on Docket No. CFPB-2022-0059 supporting additional flexibility in the Qualified Mortgage rule; Comments to FTC on R111004 opposing data privacy rulemaking absent comprehensive federal legislation; Support elimination of in-person quorum requirement for credit union annual meetings; Comments to CISA on Docket ID: CISA-2022-0010 supporting simplification of cyber incident reporting requirements; Support inclusion of 501(c)(19) veterans organizations as qualified charit[ies] in NCUA regulations; Comments to Treasury Department on Document No. 2022-20279 supporting application of Bank Secrecy Act and anti-money laundering regulations to digital assets and supporting interagency coordination to ensure credit union inclusion in digital asset regulations; Comments to FHFA on Federal Home Loan Bank System review supporting capital requirements for System members and supporting alignment of tangible capital definitions among regulators; Comments to FHFA on Fintech in Housing Finance supporting interagency coordination and caution in integration of non-depository fintech lenders; Comments to NCUA on RIN 3064-ZA33 supporting flexibility in updated commercial real estate loan accommodations policy statement; Oppose increases to NCUAs 2023-2024 budget and support increased budget transparency; Oppose expansion of Regulation E liability;

Protect the credit union tax exemption; Support legislation and regulation that helps credit unions grow membership, loans, and retained earnings in order to serve their 127 million members; Support regulatory relief for credit unions; Provide guidance or rulemakings rather than rule through enforcement; Support increase in funding for CDFI Fund, MDIs, and the CDRLF; Fair Market: This includes ensuring all lenders are following the same rules of the road and protecting consumers, including making fintechs, predatory payday lenders, and other non-regulated entities subject to proper oversight; Technology and Innovation: As new technologies emerge and disrupt finance, the NCUA needs to foster strong fintech partnerships to help credit unions and support credit unions ability to provide custodial services for digital assets and utilize blockchain technologies; Regulatory Relief: Remove the CFPBs examination and enforcement powers over credit unions, retain the NCUA Boards bipartisan three-member structure, and oppose efforts to place new restrictions on lending and credit reporting that will inhibit credit unions from helping their members; Data Protection: Encouraging federal standards for data privacy and data security that recognize existing regulatory requirements for credit unions, such as a federal standard of privacy rules that aligns with our principles outlined in our white paper; Support extending GLBA like data security measures to retailers; Support recognizing GLBA compliance in any privacy legislation; Oppose SBA direct lending authority; Support improvements to ease the process for forgiveness of PPP loans to small businesses; Oppose limits on fee income for credit unions including courtesy pay; Support CFPB study of overdraft programs to determine the value to consumers; Support limiting burdens of HMDA rule on credit unions; CFPB should remove unnecessary and unused data points related to HMDA reporting; Support permanently increasing reporting thresholds for open- and closed-end loans; Prevent competitive disadvantages for credit unions and market distortions related to the integration of digital assets into traditional financial products; CFPB should make greater use of Section 1022 of the Dodd-Frank Act to exempt credit unions from rules where appropriate; CFPB should engage in interagency coordination on Section 1033 consumer access to financial records rulemaking; Oppose CFPBs characterization of regulated and disclosed financial services fees as junk fees; CFPB should explore streamlining required fee disclosures; CFPB should clarify UDAAP authority; CFPB should respect GLBAs data security regulatory structure; CFPB should limit impact and burden from proposed rule related to Section 1071 Small Business Lending Data Collection (RIN: 3170-AA09); Improve examination coordination between CFPB and NCUA; Support permanent adoption of CFPBs expired temporary relief of E-SIGN regulation; Support CFPB exercise of larger participant authority to oversee fintech companies; Support fair distribution of Regulation E error resolution responsibilities; Support clear regulatory framework for digital assets to encourage responsible innovation and permit credit union participation; Support CDFI Fund transparency on certification changes; Support streamlining and modernization of CDFI Fund certification process; Support Congressional oversight of SBAs Affiliation and Small Business Lending Company proposed rules; Support tax deduction for mortgage insurance premiums; Support modification or removal of the credit union member business lending cap; FHFA should allow GSEs to purchase non-conforming loans from CDFIs; Support alternative credit scoring models; Oppose development of a CBDC; Support prevention of an NFIP lapse; Support improving veterans access to capital by exempting credit unions business loans to veterans from the credit union member business lending cap; Support expanding the definition of Community Financial Institutions (CFIs) in the Federal Home Loan Bank Act (FHLB Act) to include credit unions and Treasury-certified non-depository community development financial institutions; Oppose any interchange/swipe fee legislation including related to routing or any form of market manipulation; Support parity for credit unions related to stablecoin regulation; Treasury should address the demand for coins to help consumers who rely on cash transactions; Support addressing appraisal bias and modernize the appraisal process for consistency; Support for forced arbitration - studies show consumers benefit more often from arbitration than litigation; Support easing requirements for de novo credit unions; Support providing flexibility for credit unions to issue subordinated debt; Support H.R. 5189, the Member Business Loan Expansion Act; Support the Federal Home Loan Banks' Mission Implementation Act (H.R. 3323, S.1684); Support H.R. 4773, the Consumer Financial Protection Commission Act; Oppose legislation granting NCUA third-party vendor examination authority (H.R. 7022, S. 4698); Oppose Credit Card Competition Act (H.R. 8874, S. 4674); Support SAFE Banking Act (H.R. 1996, S. 910); Support Central Liquidity Facility Enhancement Act (H.R. 3958, S. 5183); Support Credit Union Board Modernization Act (H.R. 6889, S. 4325); Support Expanding Financial Access for Underserved Communities Act (H.R. 7003, S. 4879); Support CDFI Bond Guarantee Program Improvement Act (H.R. 7733, S. 3441); Support Title III, Subtitle C of H.R. 2543 - Promoting and Advancing Communities of Color Through Inclusive Lending; Support S. 3590, the Middle Class Mortgage Insurance Premium Act; Oppose inclusion of the Credit Card Competition Act (H.R. 8874, S. 4674) or NCUA third-party vendor examination authority (H.R. 7022, S. 4698) in the FY 2023 NDAA; Support H.R. 5912, the Close the ILC Loophole Act; Support S. 762, the Expanding Access to Lending Options Act; Oppose Senate NDAA amendments 6201 and 6174 on credit card interchange; Support S. 4165, the CDFI Crisis Fund Act; Oppose H.R. 4277, the Overdraft Protection Act; Oppose FDCPA changes that improperly burden creditors in H.R. 6814, the Small Business Fair Debt Collection Protection Act; Oppose inclusion of bank lease provision in FY 2023 NDAA; Oppose H.R. 8152, the American Data Privacy and Protection Act; Support H.R. 5911, the Fair Hiring in Banking Act; Support H.R. 4590, the Promoting New and Diverse Depository Institutions Act; Oppose H.R. 8485, the Expanding Access to Credit through Consumer-Permissioned Data Act; Support the Small LENDER Act (H.R. 6732, S. 4004); Support H.R. 7628, the Improve the SBA Act; Support the SECURE Notarization Act (H.R. 3962, S. 1625); Support the TAILOR Act (H.R. 766, S. 3745); Support the Transparency in Consumer Financial Protection Bureau (CFPB) Cost-Benefit Analysis Act (H.R. 7412, S.4522); Support H.R. 1471, the Access to Credit for Small Businesses Impacted by the COVID-19 Crisis Act; Oppose H.R. 963, the Forced Arbitration Injustice Repeal (FAIR) Act; Support S. 5189, the Close the Shadow Banking Loophole Act; Support for Advancing Technologies to Support Inclusion Act discussion draft; Support for Creation of Diverse and Mission-Driven Community Financial Institutions Act discussion draft; Comments to SBA on RIN 3245-AH87 expressing concern about interaction between Affiliation and Small Business Lending Company proposed rules; Request for extension of temporary NCUA relief on loan participation and eligible obligation regulations due to the COVID-19 pandemic; Request for clarification of CFPB authority and intention for auto loan data collection; Comments to Treasury Dept on Docket No. 2022-21524 requesting streamlined applications for federal community investment programs; Comments to CDFI Fund on Docket No. 2022-22767 requesting modification of proposed pre-approved Target Market assessment methodologies; Comments to EPA on Docket ID No. EPA-HQ-OA-2022-0859 opposing establishment of single national green bank and supporting credit union inclusion as indirect recipients of Greenhouse Gas Reduction Fund disbursements; Comments to NCUA on RIN: 3133-AF43 supporting the elimination of the maximum maturity requirement for subordinated debt; Comments to CDFI Fund on Docket No. 2022-24082 opposing changes to CDFI certification requirements; Comments to NCUA on Docket No. NCUA-2022-0132 opposing overly complex member expulsion process; Support delay of GSEs credit fee caps effective date; Comments to CFPB on Docket No. CFPB-2022-0059 supporting additional flexibility in the Qualified Mortgage rule; Comments to FTC on R111004 opposing data privacy rulemaking absent comprehensive federal legislation; Support elimination of in-person quorum requirement for credit union annual meetings; Comments to CISA on Docket ID: CISA-2022-0010 supporting simplification of cyber incident reporting requirements; Support inclusion of 501(c)(19) veterans organizations as qualified charit[ies] in NCUA regulations; Comments to Treasury Department on Document No. 2022-20279 supporting application of Bank Secrecy Act and anti-money laundering regulations to digital assets and supporting interagency coordination to ensure credit union inclusion in digital asset regulations; Comments to FHFA on Federal Home Loan Bank System review supporting capital requirements for System members and supporting alignment of tangible capital definitions among regulators; Comments to FHFA on Fintech in Housing Finance supporting interagency coordination and caution in integration of non-depository fintech lenders; Comments to NCUA on RIN 3064-ZA33 supporting flexibility in updated commercial real estate loan accommodations policy statement; Oppose increases to NCUAs 2023-2024 budget and support increased budget transparency; Oppose expansion of Regulation E liability;

1. Tax Extenders and H.R. 6109 and S. 3590 - The Middle Class Mortgage Insurance Premium Acts. 2. H.R. 1 of 2017 - The Tax Cuts and Jobs Act - and The Tax Extenders - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages. 3. Government-Sponsored Enterprise/Housing Finance Reform legislation. 4. Federal Housing Administration/Ginnie Mae Administrative Action and legislation. 5. FHFAs Enterprise Capital Framework and following amendments. 6. FHFAs Products/Activities Rule for the GSEs. 7. FHFAs Equitable Housing Finance Plans for the GSEs. 8. Tracking financial services, specifically housing industry legislation and anything related to mortgage forbearance due to COVID - e.g. The CARES Act (enacted into law) (H.R. 748), The HEROES Act (H.R. 6800), The American Rescue Plan (H.R. 1319), Build Back Better - President Bidens infrastructure and tax proposals and any future federal assistance/relief directed to the COVID-19 Pandemic. 9. FHFAs pricing review and Loan Level Price Adjustment changes via FHFAs new Enterprise Pricing Framework. 10. FHA Premiums. Issue: Housing Finance Reform - to increase the role of private capital, specifically Mortgage Insurance. Issue: Comprehensive (and/or piecemeal) Housing Finance Reform proposals Further Administrative Reforms for Treasury and the GSEs

Client expense: $421,603 · Firm income: Not reported

Tax Extenders- H.R.3301- to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages H.R. 1 of 2017 - Tax Law - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages H.R. 6109 and S. 3590 - The Middle Class Mortgage Insurance Premium Acts

Client expense: $421,603 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

H.R. 2143 Neighborhood Homes Investment Act S. 98 Neighborhood Homes Investment Act H.R. 2573 Affordable Housing Credit Improvement Act S. 1136 Affordable Housing Credit Improvement Act S.2554 Renters Tax Credit Act of 2021 S. 2680 Real Corporate Profits Tax Act of 2021 S. 2820 DASH Act S.3590 Middle Class Mortgage Insurance Premium Act of 2022 H.R. 4759 Revitalizing Downtowns Act S. 2511Revitalizing Downtowns Act H.R. 9589 IRS Electronic Income Verification Act

Client expense: $570,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of

1. Tax Extenders and H.R. 6109 and S. 3590 - The Middle Class Mortgage Insurance Premium Acts. 2. H.R. 1 of 2017 - The Tax Cuts and Jobs Act - and The Tax Extenders - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages. 3. Government-Sponsored Enterprise/Housing Finance Reform legislation. 4. Federal Housing Administration/Ginnie Mae Administrative Action and legislation. 5. FHFAs Enterprise Capital Framework and following amendments. 6. FHFAs Products/Activities Rule for the GSEs. 7. FHFAs Equitable Housing Finance Plans for the GSEs. 8. Tracking financial services, specifically housing industry legislation and anything related to mortgage forbearance due to COVID - e.g. The CARES Act (enacted into law) (H.R. 748), The HEROES Act (H.R. 6800), The American Rescue Plan (H.R. 1319), Build Back Better - President Bidens infrastructure and tax proposals and any future federal assistance/relief directed to the COVID-19 Pandemic. 9. Pricing at FHFA and FHA. Issue: Housing Finance Reform - to increase the role of private capital, specifically Mortgage Insurance. Issue: Comprehensive (and/or piecemeal) Housing Finance Reform proposals Further Administrative Reforms for Treasury and the GSEs.

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

Tax Extenders- H.R.3301- to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages; H.R. 1 of 2017 - Tax Law - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages; H.R. 6109 and S. 3590 - The Middle Class Mortgage Insurance Premium Acts.

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

H.R. 2143 Neighborhood Homes Investment Act S. 98 Neighborhood Homes Investment Act H.R. 2573 Affordable Housing Credit Improvement Act S. 1136 Affordable Housing Credit Improvement Act H.R. 5376 Build Back Better Act S.2554 Renters Tax Credit Act of 2021 S. 2680 Real Corporate Profits Tax Act of 2021 S. 2820 DASH Act S.3590 Middle Class Mortgage Insurance Premium Act of 2022

Client expense: $520,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1. Tax Extenders and H.R. 6109 and S. 3590 - The Middle Class Mortgage Insurance Premium Acts. 2. H.R. 1 of 2017 - The Tax Cuts and Jobs Act - and The Tax Extenders - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages. 3. Government-Sponsored Enterprise/Housing Finance Reform legislation. 4. Federal Housing Administration/Ginnie Mae Administrative Action and legislation. 5. FHFAs Enterprise Capital Framework and following amendments. 6. FHFAs Products/Activities Rule for the GSEs. 7. FHFAs Equitable Housing Finance Plans for the GSEs. 8. Tracking financial services, specifically housing industry legislation and anything related to mortgage forbearance due to COVID - e.g. The CARES Act (enacted into law) (H.R. 748), The HEROES Act (H.R. 6800), The American Rescue Plan (H.R. 1319), Build Back Better - President Bidens infrastructure and tax proposals and any future federal assistance/relief directed to the COVID-19 Pandemic. 9. Pricing at FHFA and FHA. Issue: Housing Finance Reform - to increase the role of private capital, specifically Mortgage Insurance. Issue: Comprehensive (and/or piecemeal) Housing Finance Reform proposals Further Administrative Reforms for Treasury and the GSEs.

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

Tax Extenders- H.R.3301- to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages; H.R. 1 of 2017 - Tax Law - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages; H.R. 6109 and S. 3590 - The Middle Class Mortgage Insurance Premium Acts.

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

Tax Extenders- H.R.3301- to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages H.R. 1 of 2017 - Tax Law - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages H.R. 6109 and S. 3590 - The Middle Class Mortgage Insurance Premium Acts

Client expense: $283,507 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1. Tax Extenders and H.R. 6109 and S. 3590 - The Middle Class Mortgage Insurance Premium Acts. 2. H.R. 1 of 2017 - The Tax Cuts and Jobs Act - and The Tax Extenders - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages. 3. Government-Sponsored Enterprise/Housing Finance Reform legislation. 4. Federal Housing Administration/Ginnie Mae Administrative Action and legislation. 5. FHFAs Enterprise Capital Framework and following amendments. 6. FHFAs Products/Activities Rule for the GSEs. 7. FHFAs Equitable Housing Finance Plans for the GSEs. 8. Tracking financial services, specifically housing industry legislation and anything related to mortgage forbearance due to COVID - e.g. The CARES Act (enacted into law) (H.R. 748), The HEROES Act (H.R. 6800), The American Rescue Plan (H.R. 1319), Build Back Better - President Bidens infrastructure and tax proposals and any future federal assistance/relief directed to the COVID-19 Pandemic. 9. Pricing at FHFA and FHA. Issue: Housing Finance Reform - to increase the role of private capital, specifically Mortgage Insurance. Issue: Comprehensive (and/or piecemeal) Housing Finance Reform proposals Further Administrative Reforms for Treasury and the GSEs.

Client expense: $283,507 · Firm income: Not reported

H.R. 2143Neighborhood Homes Investment Act S. 98 Neighborhood Homes Investment Act H.R. 2573Affordable Housing Credit Improvement Act S. 1136 Affordable Housing Credit Improvement Act H.R. 5376Build Back Better Act S.2554 Renters Tax Credit Act of 2021 S. 2680 Real Corporate Profits Tax Act of 2021 S. 2820 DASH Act S.3590 Middle Class Mortgage Insurance Premium Act of 2022

Client expense: $860,000 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1. Tax Extenders and H.R. 6109 and S. 3590 - The Middle Class Mortgage Insurance Premium Acts. 2. H.R. 1 of 2017 - The Tax Cuts and Jobs Act - and The Tax Extenders - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages. 3. Government-Sponsored Enterprise/Housing Finance Reform legislation. 4. Federal Housing Administration/Ginnie Mae Administrative Action and legislation. 5. FHFAs Enterprise Capital Framework and following amendments. 6. FHFAs Products/Activities Rule for the GSEs. 7. FHFAs Equitable Housing Finance Plans for the GSEs. 8. Tracking financial services, specifically housing industry legislation and anything related to mortgage forbearance due to COVID - e.g. The CARES Act (enacted into law) (H.R. 748), The HEROES Act (H.R. 6800), The American Rescue Plan (H.R. 1319), Build Back Better - President Bidens infrastructure and tax proposals and any future federal assistance/relief directed to the COVID-19 Pandemic. Issue: Housing Finance Reform - to increase the role of private capital, specifically Mortgage Insurance. Issue: Comprehensive (and/or piecemeal) Housing Finance Reform proposals Further Administrative Reforms for Treasury and the GSEs.

Client expense: $268,405 · Firm income: Not reported

Tax Extenders- H.R.3301- to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages H.R. 1 of 2017 - Tax Law - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages H.R. 6109 and S. 3590 - The Middle Class Mortgage Insurance Premium Acts

Client expense: $268,405 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Tax Extenders and H.R. 6109 and S. 3590- The Middle Class Mortgage Insurance Premium Acts. H.R. 1 of 2017 - The Tax Cuts and Jobs Act - and The Tax Extenders - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages.

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

Tax Extenders- H.R.3301- to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages H.R. 1 of 2017 - Tax Law - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages H.R. 6109 and S. 3590 - The Middle Class Mortgage Insurance Premium Acts

Client expense: $340,088 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, SENATE

1. Tax Extenders and H.R. 6109 and S. 3590 - The Middle Class Mortgage Insurance Premium Acts. 2. H.R. 1 of 2017 - The Tax Cuts and Jobs Act - and The Tax Extenders - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages. 3. Government-Sponsored Enterprise/Housing Finance Reform legislation. 4. Federal Housing Administration/Ginnie Mae Administrative Action and legislation. 5. FHFAs Enterprise Capital Framework and following amendments. 6. FHFAs Products/Activities Rule for the GSEs. 7. FHFAs Equitable Housing Finance Plans for the GSEs. 8. Tracking financial services, specifically housing industry legislation and anything related to mortgage forbearance due to COVID - e.g. The CARES Act (enacted into law) (H.R. 748), The HEROES Act (H.R. 6800), The American Rescue Plan (H.R. 1319), Build Back Better - President Bidens infrastructure and tax proposals and any future federal assistance/relief directed to the COVID-19 Pandemic. Issue: Housing Finance Reform - to increase the role of private capital, specifically Mortgage Insurance. Issue: Comprehensive (and/or piecemeal) Housing Finance Reform proposals Further Administrative Reforms for Treasury and the GSEs.

Client expense: $340,088 · Firm income: Not reported

Tax Extenders and H.R. 6109 and S. 3590- The Middle Class Mortgage Insurance Premium Acts. H.R. 1 of 2017 - The Tax Cuts and Jobs Act - and The Tax Extenders - to achieve parity between the Mortgage Insurance Deduction and Second Lien Mortgages.

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

Any legislative or administrative proposal to amend or waive the coastwise laws. Coast Guard Authorization Act of 2022: Issues related to coastwise laws and the outer continental shelf. S. 3590 - Ocean Shipping Reform Act of 2022 - entire bill. H.R. 6803/S.3683 - Alaska Tourism Restoration Extension Act - all of each bill.

Client expense: Not reported · Firm income: $360,000

Government targets: Government Accountability Office (GAO), HOUSE OF REPRESENTATIVES, Maritime Administration (MARAD), Office of Management & Budget (OMB), SENATE, U.S. Customs & Border Protection, White House Office