mr MARK GOLDHABER

Worked on GSE reform issues relating to affordable housing and ownership structures and continued to engage with key housing stakeholders.

Worked on additional housing support initiatives as a result of the ongoing pandemic. Continue to work on different GSE reform issues relating to capital requirements and ownership structures for the GSEs and continued to engage with key housing stakeholders. Also tracked FHA issues including continued funding of FHA technology as part of the appropriations process and omnibus end of the year legislation.

Worked on additional housing support initiatives subsequent to passage of CARES Act. Continue to work on different GSE reform issues relating to capital requirements and ownership structures for the GSEs and met with key housing stakeholders. Also worked on FHA issues including continued funding of FHA technology as part of the appropriation process.

Worked on housing, mortgage finance, and consumer issues subsequent to the passage and surrounding implementation of the CARES Act. This included discussions with the leadership of the CFPB. Continue to work on different GSE reform issues relating to capital requirements, data, and ownership structures for the GSEs and met with key housing stakeholders. Also worked on FHA issues including continued funding of FHA technology as part of the Appropriation process.

Worked on housing legislative issues regarding the Cares Act H.R.748 and the subsequent implementation of housing issues surrounding the CARES Act. Continue to work on different GSE reform issues relating to capital requirements, data and ownership structures for the GSEs and met with key housing stakeholders.

Work on several FHA issues including meetings with Congressional staff on additional funding for FHA technology. Worked on FHA regulatory issues including loan-level cert and defect taxonomy, issues impacting HUD/ FHA. Continue to work on different GSE reform issues relating to capital requirements, data and ownership structures for the GSEs and met with Congressional staff and key housing stakeholders.

Work on several FHA issues including funding for FHA technology. Continued to work on other FHA issues including FHA loan Certification. Worked on different GSE reform issues relating to capital requirements, data and ownership structures for the GSEs and met with Congressional staff and key housing stakeholders.

Met with senior leadership at FHA on technology funding short and longer term for FHA. Continued to work on other FHA issues impacting FHA loan Certification. Met with a Member of Congress and staff on GSE reform. Continue to work on different GSE reform proposals and issues relating to capital requirements and ownership structure for the GSEs with key housing stakeholders.

Met with senior leadership at FHA on technology funding short and longer term for FHA. In addition, discussed FHA policy and technology issues with a Member of Congress as well as Appropriations staff. Met with a Member of Congress and staff on GSE reform. Continue to work on different GSE reform proposals and issues relating to capital requirements and ownership structure for the GSEs with key housing stakeholders.

Worked on policy issues related to the PACE program including discussions with staff at FHFA.

Met with senior leadership at HUD and FHA on technology funding short and longer term for FHA. In addition, discussed FHA policy issues impeding FHAs effectiveness and the shortage of entry-level housing stock both rental and ownership. Continued to track and work on different GSE reform proposals and issues relating to capital requirements and ownership structure for the GSEs with key housing stakeholders.

Worked on policy issues related to the PACE program including discussions with staff at FHFA.

Continued to track and work on different GSE reform proposals and issues relating to capital requirements for the GSEs with key housing stakeholders. Continue to work on FHA policy issues impeding FHAs effectiveness including issues concerning FHA technology funding.

Worked on policy issues related to the PACE program, including issues in Senate Regulatory reform bill S.2155 with key consumer and housing stakeholders.

Worked on issues and options related to non-bank membership in Federal Home Loan Bank (FHLB) including S.2361 to continue or restore the membership of captive insurance company in the FHLB. Tracking issues related to S.2155 the Senate regulatory reform bill.

Continued to track and work on different GSE reform proposals and issues relating to capital requirements for the GSEs with key housing stakeholders.

Continued to track and work on different GSE reform proposals and issues relating to capital requirements for the GSEs with key housing stakeholders. Continue to work on FHA policy issues impeding FHAs effectiveness including issues concerning FHA technology funding.

Worked on issues and options related to non-bank membership in Federal Home Loan Bank (FHLB) including tracking issues related to S.2155 the Senate regulatory reform bill.

Worked on policy issues related to the PACE program, including issues in Senate Regulatory reform bill S.2155 with key consumer and housing stakeholders. Met with senior staff of FHFA on issues and updates concerning the PACE loans.

Continued to track and work on different GSE reform proposals and issues relating to capital requirements for the GSEs with key housing stakeholders.

Worked on issues and options related to non-bank membership in Federal Home Loan Bank (FHLB) including S.2361 to continue or restore the membership of captive insurance company in the FHLB. Tracking issues related to S.2155 the Senate regulatory reform bill.

Worked on issues and options related to non-bank membership in Federal Home Loan Bank (FHLB) including tracking issues related to S.2155 the Senate regulatory reform bill.

Continued to track and work on different GSE reform proposals and issues relating to capital requirements for the GSEs with key housing stakeholders. Continue to work on FHA policy issues impeding FHAs effectiveness such as the current false claims policy.

Worked on policy issues related to the PACE program in Senate Regulatory reform bill S.2155 with key consumer and housing stakeholders.

Worked on a mortgage servicing rights issue in the Tax Cuts and Jobs Act tax reform legislation.

Worked on issues and options related to non-bank membership in Federal Home Loan Bank. Worked with stakeholders on CFPB including policy issues and staffing.

Continued to track and work on different GSE reform proposals with key housing stakeholders.

Continued to track and work on different GSE reform proposals and issues relating to capital requirements for the GSEs with key housing stakeholders.

Worked with stakeholders on CFPB including policy issues and staffing.

Worked on issues related to private activity bonds and mortgage servicing rights in Tax Cuts and Jobs Act tax reform legislation.

Worked on policy issues related to the PACE program with key consumer and housing stakeholders.

Worked on issues and options related to non-bank membership in Federal Home Loan Bank

Continued to track and work on different GSE reform proposals with key housing stakeholders

Continued to track and work on different GSE reform proposals and issues relating to capital requirements for the GSEs with key housing stakeholders.

Worked with stakeholders on CFPB including policy issues and staffing.

Issues related to property assessed clean energy (PACE) program and working with FHA on this program.

Issues related to property assessed clean energy (PACE) program and working with FHA on this program.

Worked on issues and options related to non-bank membership in Federal Home Loan Bank.

Continued to track and work on different GSE reform proposals with key housing stakeholders.

Worked with stakeholders on CFPB including policy issues related to the functioning and structure of the CFPB.

Continued to track and work on different GSE reform proposals with key housing stakeholders.

Worked on GSE reform proposals including discussions with key stakeholders on mortgage reform proposals.

Discuss regulatory and legislative issues with key trade associations and consumer stakeholders; issues including FHA and GSEs.

Discuss regulatory and legislative issues with key trade associations and consumer stakeholders; issues including CFPB and issues specifically facing non-banks.

Continued to work on issues and options related to non-bank membership in Federal Home Loan Bank.

Worked with trade association and consumer stakeholders on regulatory issues including FHA, specifically including down payment assistance currently impacting the FHA single-family program and Housing Finance Agencies.

Continued to work on issues related to non-bank membership in Federal Home Loan Bank. In addition worked with stakeholders on CFPB and policy issues related to the functioning of the CFPB.

Worked on regulatory issues such as policy and funding issues impacting FHA and GNMA. Continued to work on different GSE reform proposals with key housing stakeholders.

worked on GSE reform proposals included discussions with key stakeholders on mortgage reform proposals. Work with stakeholders on regulatory issues including Know Before You Own (KBYO)

Continued to worked to inform key stakeholders concerned withFHFAs principle reduction modification program

Continue to work and discuss regulatory issues with key stakeholders including issues facing Non-banks, Know Before You Own (KBYO) and the expected CFPB debt collection rule sometime in 2017.

Continued to work on issues and options related to non-bank membership in Federal Home Loan Bank.

Work with stakeholders on regulatory issues including Know Before You Own (KBYO) and FHA regulatory issues including down payment assistance currently impacting the FHA single-family program and Housing Finance Agencies.

Worked on regulatory, issues such as policy and funding issues impacting FHA, GNMA. In addition worked with stakeholders on CFPB regulatory issues including Know Before You Own (KBYO) and policy issues related to the functioning of the CFPB. Worked on GSE reform proposals included discussions with key stakeholders on mortgage reform proposals.

Continued to work on issues related to non-bank membership in Federal Home Loan Bank.

worked on GSE reform proposals included discussions with key stakeholders on mortgage reform proposals. Work with stakeholders on regulatory issues including Know Before You Own (KBYO)

Continued to worked to inform key stakeholders concerned withFHFAs principle reduction modification program.

Continue to work and discuss regulatory issues with key stakeholders including issues facing Non-banks, Know Before You Own (KBYO) and the expected CFPB debt collection rule late this year.

Continued to work on issues and options related to non-bank membership in Federal Home Loan Bank.

Work with stakeholders on regulatory issues including Know Before You Own (KBYO) and FHA regulatory issues including down payment assistance programs currently impacting the FHA single-family program and Housing Finance Agencies.

Continued to work on GSE reform proposals including discussions with key stakeholders. Worked on issues impacting FHA and GNMA. Work with stakeholders on regulatory issues including Know Before You Own (KBYO).

Continued to work on issues and options related to non-bank membership in Federal Home Loan Bank.

Work with stakeholders on regulatory issues including Know Before You Own (KBYO). Worked on GSE reform proposals included meeting with key stakeholders to discuss mortgage reform proposals.

Worked with organization to rollout to key stakeholders participation inFHFAs principle reduction modification program.

Continue to work and discuss regulatory issues with key stakeholders including issues facing Non-banks, Know Before You Own (KBYO) and the expected CFPB debt collection rule late this year.

Work with stakeholders on regulatory issues including Know Before You Own (KBYO) and FHA regulatory issues including down payment assistance currently impacting the FHA single-family program and Housing Finance Agencies.

Continued to work on issues related to non-bank membership in Federal Home Loan Bank.

Continued to work on issues related to non-bank membership in Federal Home Loan Bank.

Continued to work on GSE reform proposals including meeting with key stakeholders. Worked on issues impacting FHA and GNMA resources. Work with stakeholders on regulatory issues including Know Before You Own (KBYO).

Worked on GSE reform proposal and met with Congressional staff on the secondary market issues related to Fannie Mae Freddie Mac.

Continue to work with stakeholders on regulatory issues including Know Before You Own (KBYO) and the expected CFPB debt collection rule late this year.

Continue work on potential programs involving Fannie Mae and Freddie Mac that would need FHFA approval

Continued to work on issues related to non-bank membership in Federal Home Loan Bank system including H.R. 3808 that would compel the Federal Housing Finance Agency (FHFA) to withdraw a proposed rule concerning bank membership.

Work with stakeholders on regulatory issues including Know Before You Own (KBYO) and FHA regulatory issues including down payment assistants currently impacting the FHA single-family program and State Housing Finance Agencies

. Continue to work with stakeholders on regulatory issues including CFPBs Know Before You Own (KBYO) and FHA.

Continued to work on issues related to non-bank membership in Federal Home Loan Bank system including H.R. 3808 that would compel the Federal Housing Finance Agency (FHFA) to withdraw a proposed rule concerning bank membership.

Lobbying will encompass financial services activities, including housing, mortgage, secondary market issues including Fannie Mae and Freddie Mac

Lobbying will encompass financial services activities, including housing, mortgage, secondary market issues including Fannie Mae and Freddie Mac

Work on potential programs involving Fannie Mae and Freddie Mac that would need FHFA approval. Continue to work with stakeholders on the expected CFPB debt collection rule late next year.

Spoke to HUD staff seeking a clarification on FHA regulatory issues including down payment assistants currently impacting the FHA single family program.

Worked on issues related to membership in a FHLB for a nonbank including H.R. 3808 that would compel the Federal Housing Finance Agency (FHFA) to withdraw a proposed rule concerning bank membership.

Worked on regulatory issues currently impacting the functioning of the FHA program such as claims processing under the FHA single family program.

Met with a Member of House Financial Services Committee related to the Federal Home Loan Bank membership rule for non-banks. Continuing discussions with organizations on GSE and mortgage finance reform.

Work on potential programs involving Fannie Mae and Freddie Mac that would need FHFA approval. Continue to work with stakeholders on the expected CFPB debt collection rule late this year.

Worked on regulatory issues currently impacting the functioning of the FHA program.

Met with FHFA staff on Federal Home Loan Bank (FHLB) issues and worked on issues related to membership in a FHLB for a nonbank.

Discussed with White House staff housing issues including the current state of the non-agency market, FHLB issues and the GSEs conventional loan limits. Worked on regulatory issues currently impacting the FHA program

Meet with leadership of GNMA to discuss issues and resource capacity currently facing the program. Work on regulatory barriers in impacting the current FHA program.

Meet with FHFA staff on questions related to the Federal Home Loan Banks.

Discussion with FHA staff and FHA leadership about issues surrounding the FHA program and specifically recent announcements concerning the reverse mortgage program.

Continued to work with key stakeholders on the anticipated CFPB proposed rule on debt collection practices expected later this year.

Continuing to work with Treasury and trade organizations on issues to reestablish an effective non-agency private MBS market. Explored issues surrounding potential membership in the FHLBs

Worked with trade association and consumer groups on H.R. 685 the Mortgage Choice Act.

Meeting with senior officials at GNMA about current market conditions and obstacles facing GNMA. Discussion with FHA leadership about program issues including technology as well as the FHA's financial condition.

Discussions with industry groups about further refinements to the qualified mortgage rule; and continuing dialog with Treasury officials about the non-agency market and how to restore a non-agency market.

Continued to work with key stakeholders on the anticipated of CFPB proposed rule on debt collection practices expected later this year.

Issues related to the Federal Housing Finance Agency's (FHFA) proposed minimum financial requirements for enterprise seller services. In addition had discussions with senior FHFA staff about specific state related activities that could potentially negatively impact the mortgage market and Fannie Mae and Freddie Mac.

Meets with industry groups, and policy experts on how to proceed with GSE issues including GSE reform, in the current legislative and regulatory environment.

Discussions took place with FHA staff, about FHA and the FHA premium and potential impact of changes to the premium. There was also a meeting with House Financial Services staff concerning FHA including the premium change.

Initiated work with trade organizations and consumer groups in anticipation of a proposed debt collection rule from the CFPB in 2015.

In a meeting with Treasury officials discussed what steps were necessary to restart private label securities (PLS) market. In addition there was a discussion of the need for FHFA to move ahead with a single security project for FNMA and Freddie Mac.

At a meeting with treasury department officials discussed the importance of continuing the mortgage debt forgiveness provision in the tax extender legislation H.R. 5771.

In a meeting with Treasury officials discussed what steps were necessary to restart private label securities (PLS) market. In addition there was a discussion of the need for FHFA to move ahead with a single security project for FNMA and Freddie Mac.

At a meeting with treasury department officials discussed the importance of continuing the mortgage debt forgiveness provision in the tax extender legislation H.R. 5771.

In a meeting with Treasury officials discussed what steps were necessary to restart private label securities (PLS) market. In addition there was a discussion of the need for FHFA to move ahead with a single security project for FNMA and Freddie Mac.

At a meeting with treasury department officials discussed the importance of continuing the mortgage debt forgiveness provision in the tax extender legislation H.R. 5771.

Housing and mortgage servicing issues

Worked on FHFA comment letter concerning FNMA and Freddie Mac guarantees fees as well as working with mortgage industry groups on this issue. Worked on a Treasury request for comment on issues impacting the private-label securities market (PLS) Continue to work to work on issues relating to non-QM product development. Legislative activity related to GSE reform, and the committee markup of Johnson Crapo S.1217

Met with the head of GNMA and discussed housing and market conditions, servicing issues and capital issues relating to GNMA. In addition discussed the impact on GNMA moving toward a single security for Fannie Mae and Freddie Mac.

Discussions with White House, FHFA staff and the FHFA Director on issues that included guarantee fees for Fannie Mae and Freddie Mac, and the proposed private mortgage insurance eligibility standards. In addition there were discussions about access to credit, current market conditions, mortgage servicing rights and capital for non-banks and the need to move to a single security for both Fannie Mae and Freddie Mac. Legislative activity related to GSE reform, and the committee markup of Johnson Crapo S.1217

Met with the head of GNMA and discussed housing and market conditions, servicing issues and capital issues relating to GNMA. In addition discussed the impact on GNMA moving toward a single security for Fannie Mae and Freddie Mac. Met with a Member of the House Financial services committee to discuss access to credit and issues related to Fannie Mae and Freddie Mac including a discussion of potentially moving to a single security.

There were meeting and discussions concerning Johnson Crapo legislation and specifically the markup of S. 1217 Housing Finance Reform and Taxpayer Protection Act of 2013. There were discussions with FHFA staff on the non-agency market and the common securitization platform.

There were meetings with CFPB senior staff including a meeting with director Cordray on a non-QM product, as well as a discussion of the non-QM market.

Activity around a Congressional briefing on The Rise of Institutional Investors and Rental-Backed Securities, where rent with option to own was presented.

There were meeting and discussions concerning Johnson Crapo legislation and specifically the markup of S. 1217 Housing Finance Reform and Taxpayer Protection Act of 2013. .Meeting with FHFA staff following the release of the scorecard and included a discussion of rent with the option to own.

Housing, mortgage bank issues, and secondary market issues both conforming and non-agency. Issues impacting the regulatory implementation of Dodd-Frank including needed clarifications regarding qualified mortgages specifically changes to treatment of affiliate title.

Housing, mortgage bank issues, and secondary market issues both conforming and non-agency. Issues impacting the regulatory implementation of Dodd-Frank including needed clarifications regarding qualified mortgages specifically changes to treatment of affiliate title.

Discussions with HUD staff on the departments to direction and developments relating to homebuyer education as a element in the FHA 203 (b) program. Met with the acting deputy secretary of HUD and discussed the current single family market the impact of QM and what was needed to expand access. Also had meetings with financial services staff that included discussions concerning FHA, affiliate fees and GSE reform. Discussions with FHFA and the GSE's on a potential rent with an option to own and meeting with Congressman Takano on staff about an educational roundtable about rent with an option to own.

Discussions with treasury and other groups on next steps necessary to restore a affective private label mortgage securities market. There have been extensive discussions concerning GSE reform proposals particularly the Johnson Crapo amendment to S.1217 with industry participants and congressional staff. Discussion on issues and the agenda of FHFA. Discussions with CFPB staff on needed clarifications regarding qualified mortgages specifically changes to the affiliate title as it relates to the 3%.

Met with the FHA Commissioner and staff to discuss rent with an option to own and other issues concerning access to credit. In addition we discussed the state of both single-family and multifamily markets.

Met with Senator Stabenow staff on the extension of the mortgage debt cancellation provision. Senator Stabenow and Heller and Heller have introduced S.1187 the Mortgage Forgiveness Tax Relief Act.

There were discussions with FHFA staff and Treasury concerning an array of issues including the common securitization platform, loan limits and ongoing efforts to restart the non-agency securitization market. There were meetings and discussions concerning GSE reform proposals with FHFA, Treasury industry executives, Members of Congress and congressional staff. These meeting included discussions of the key legislative proposals, Corker Warner S.1217 and PATH Act H.R.2767. There were also discussions about confirmation of a new director of FHFA. Met with CFPB senior staff on several occasions to discuss needed clarifications to the qualified mortgage rule. Specifically changes to affiliate title as it relates to the 3% cap whether it is achieved regulatory thru the CFPB or legislatively thru H.R.1077/S.949.

1.Ongoing discussions with CFPB staff concerning issues related to the qualified mortgage regulations of Dodd Frank. Specifically, changes to the treatment of affiliate title as it relates to the 3% cap. This same affiliate title issue is included in H.R. 1077/ S.949. Additionally, there were several meetings and conversations concerning needed clarifications relating to qualified mortgage impacts on the non-agency market. 2. There are now several pieces of legislation that would reform the government-sponsored enterprises Fannie Mae and Freddie Mac. This quarter there has been significant industry input provided on both Corker Warner S. 1217 and the PATH act H.R.2767.

Met with house financial services staff concerning provisions related to H. R. 2767 Protecting American Taxpayers and Homeowners Act (PATH) including issues concerning FHA single and multi family programs. In addition discussed the provisions that would prohibit the utilization of eminent domain to restructure mortgages.

Participated with Signature Bank on a call with GAO concerning a report to Congress on to big to fail (TBTF) banks and had discussions with Members on TBTF.

Meeting with HUD multifamily staff including the Deputy Assistant Secretary for Multifamily to introduce Situs and discuss how it could assist the department with servicing, other multi family processing and organizational issues. Participated in a meeting with the director of the CFPB and Congressional meetings concerning the qualified mortgage rule and its impact on the marketplace. Specifically, worked with consumer groups and trade organizations on the affiliate title issue and H.R. 1077/S.949, the Consumer Mortgage Choice Act, how affiliate title fees should be counted within the qualified mortgage rule Participated in a trade organization meeting with staff from the CFPB staff regarding issues and questions relating to ability to repay (ATR ) and the qualified mortgage ( QM ) rule and how it impacted the non-agency market.

There were meeting with Senators and staff that discuss the current condition of the mortgage market, the impact of Dodd Frank regulations on the cost of credit, and specifically the impact of the proposed Qualified Mortgage Rule on the non agency market. A meeting with CFPB staff on issues and potential solutions and needed clarifications concerning the proposed qualified mortgage rule. Among the issues discussed including the title fees for an affiliate and some of the other items in HR 1077. Met with the FHA Commissioner on a number of program and policy issues concerning the FHA single-family program.

Met with Treasury staff to discuss steps being taken to bring back the non agency market. In addition discussed GSE reform and FHFA's actions to reduce the GSE's footprint as well as the new securitization platform being designed by the GSE's. In addition meet with FHFA staff and discussed the new securitization platform and the impacts on the servicing market as a result of the Basel capital rules.

Meeting with HUD staff on the sale of REO and delinquent mortgage assets. In addition discussed issues around servicing including special servicing.

-Supported and advocated the confirmation of Carol Galante as FHA Commissioner -Meeting with FHA staff including the Commissioner on a rent with an option to own concept.

Discussed the impact of Too Big To Fail Banks including S.3637 to extend TAG Section 343 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). Also discussed secondary market issues

Discussed S. 3085, Responsible Homeowner Refinancing Act of 2012 with executive branch staff. Meet with FHA about Non-performing loan program, as well as working with GNMA executive on a mini pool execution. Spoke to FHFA staff about rep and warrants as well as servicing issues. Spoke to House staff about FHA Emergency Fiscal Solvency Act of 2012 HR 4264 and S.3085

Discussion of issues concerning pooling of GNMA's

Housing, mortgage finance including GSE issues and general financial services issues to be identified.

Housing, mortgage finance including GSE issues and general financial services issues to be identified.

Housing, mortgage finance including GSE issues and general financial services issues to be identified.